0000739421-17-000017.txt : 20170309 0000739421-17-000017.hdr.sgml : 20170309 20170309094209 ACCESSION NUMBER: 0000739421-17-000017 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 102 CONFORMED PERIOD OF REPORT: 20161231 FILED AS OF DATE: 20170309 DATE AS OF CHANGE: 20170309 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-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-13222 FILM NUMBER: 17677083 BUSINESS ADDRESS: STREET 1: 15 S MAIN ST CITY: MANSFIELD STATE: PA ZIP: 16933 BUSINESS PHONE: 570-662-0444 MAIL ADDRESS: STREET 1: 15 S MAIN ST CITY: MANSFIELD STATE: PA ZIP: 16933 10-K 1 tenk2017.htm ANNUAL REPORT ON FORM 10-K


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

FORM 10-K
(Mark One)

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

For the fiscal year ended
  
     December 31, 2016

or

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

For the transition period from
  
to
  

Commission file number
     000-13222

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
         
Securities registered pursuant to Section 12(b) of the Act:
None
  
         
Securities registered pursuant to Section 12(g) of the Act:
         
Common Stock, par value $1.00 per share
(Title of class)

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

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

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

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

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.
                ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or 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. (Check one):
Large accelerated filer  ☐                                                                                                                Accelerated filer  ■
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 Act).
    □  Yes     ■  No


State the aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal quarter. $151,208,703 as of June 30, 2016.

As of February 23, 2017, there were 3,323,997 shares of the registrant's common stock outstanding.

DOCUMENTS INCORPORATED BY REFERENCE

Certain information required by Part III is incorporated by reference to the Registrant's Definitive Proxy Statement for the 2017 Annual Meeting of Shareholders.



Citizens Financial Services, Inc.
Form 10-K
INDEX
 
Page
PART I
  
ITEM 1 – BUSINESS
1 – 10
ITEM 1A – RISK FACTORS
10 – 16
ITEM 1B – UNRESOLVED STAFF COMMENTS
16
ITEM 2 – PROPERTIES
16
ITEM 3 – LEGAL PROCEEDINGS
17
ITEM 4 – MINE SAFETY DISCLOSURES
17
PART II
  
ITEM 5 – MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES
18 – 19
ITEM 6 – SELECTED FINANCIAL DATA
20
ITEM 7 – MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS  OF OPERATIONS
21 – 52
ITEM 7A – QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK
52
ITEM 8 – FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
53 – 112
ITEM 9 – CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE
113
ITEM 9A – CONTROLS AND PROCEDURES
113
ITEM 9B– OTHER INFORMATION
113
PART III
  
ITEM 10 – DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE
114
ITEM 11 – EXECUTIVE COMPENSATION
114
ITEM 12 – SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS
114 – 115
ITEM 13 – CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE
115
ITEM 14 – PRINCIPAL ACCOUNTANT FEES AND SERVICES
115
PART IV
  
ITEM 15 – EXHIBITS AND FINANCIAL STATEMENT SCHEDULES
116 – 118
ITEM 16 – FORM 10-K SUMMARY
118
   
SIGNATURES
119

PART I

ITEM 1 – BUSINESS.
CITIZENS FINANCIAL SERVICES, INC.
Citizens Financial Services, Inc. (the "Company"), a Pennsylvania corporation, was incorporated on April 30, 1984 to be the holding company for First Citizens Community Bank (the "Bank"), a Pennsylvania-chartered bank and trust company. The Company is primarily engaged in the ownership and management of the Bank and the Bank's wholly-owned insurance agency subsidiary, First Citizens Insurance Agency, Inc. On December 11, 2015, the Company completed the acquisition of The First National Bank of Fredericksburg ("FNB") by merging FNB into the Bank, with the Bank as the resulting institution.
AVAILABLE INFORMATION
A copy of the Company's annual report on Form 10-K, quarterly reports on Form 10-Q, current events reports on Form 8-K, and amendments to these reports, filed or furnished pursuant to Section 13(a) or 15(d)  of the Securities Exchange Act of 1934, as amended, are made available free of charge through the Company's web site at www.firstcitizensbank.com as soon as reasonably practicable after such reports are filed with or furnished to  the Securities and Exchange Commission. Information on our website shall not be considered as incorporated by reference into this Form 10-K.
FIRST CITIZENS COMMUNITY BANK
The Bank is a full-service bank engaged in a broad range of banking activities and services for individual, business, governmental and institutional customers.  These activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services.  The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management and retirement services.
The Bank's main office is located at 15 South Main Street, Mansfield (Tioga County), Pennsylvania.  The Bank's primary market area consists of the Pennsylvania Counties of Bradford, Clinton, Potter and Tioga in north central Pennsylvania.  It also includes Allegany, Steuben, Chemung and Tioga Counties in Southern New York.  With the completion of the FNB acquisition, the Bank added seven additional banking offices in south central Pennsylvania; four offices in Lebanon County, two offices in Schuylkill County, and one office in Berks County. During 2016, the Bank opened a full service branch in Lancaster County, Pennsylvania and a limited branch office in Union County, Pennsylvania. The economy of the Bank's market areas are diversified and include manufacturing industries, wholesale and retail trade, service industries, agricultural and the production of natural resources of gas and timber.  We are dependent geographically upon the economic conditions in north central, central and south central Pennsylvania, as well as the southern tier of New York.  In addition to the main office in Mansfield, the Bank operates 24 full service offices and one limited branch office in its market areas.
As of December 31, 2016, the Bank had 226 full time employees and 44 part-time employees, resulting in 254 full time equivalent employees at our corporate offices and other banking locations.
COMPETITION
The banking industry in the Bank's service area is intensely competitive, both among commercial banks and with financial service providers such as consumer finance companies, thrifts, investment firms, mutual funds, insurance companies, credit unions, mortgage banking firms, financial companies, financial affiliates of industrial companies, internet entities, and government sponsored agencies, such as Freddie Mac and Fannie Mae, provide additional competition for loans and other financial services.  There has been an increase in competitive pressures as entities continue to seek loan growth. Additionally, north central Pennsylvania has benefited from additional wealth resulting from the exploration for natural gas in our primary market.  This has resulted in increased competition from brokerage firms and retirement fund management firms.  The Bank is generally competitive with all competing financial institutions in its service areas with respect to interest rates paid on time and savings deposits, service charges on deposit accounts and interest rates charged on loans.
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Additional information related to our business and competition is included in Part II, Item 7, "Management's Discussion and Analysis of Financial Condition and Results of Operations".

SUPERVISION AND REGULATION

GENERAL

The Bank is subject to extensive regulation, examination and supervision by the Pennsylvania Department of Banking ("PDB") and, as a member of the Federal Reserve System, by the Board of Governors of the Federal Reserve System (the "FRB").  Federal and state banking laws and regulations govern, among other things, the scope of a bank's business, the investments a bank may make, the reserves against deposits a bank must maintain, terms of deposit accounts, loans a bank makes, the interest rates a bank charges and collateral a bank takes, the activities of a bank with respect to mergers and consolidations and the establishment of branches.  The Company is registered as a bank holding company and is subject to supervision and regulation by the FRB under the Bank Holding Company Act of 1956, as amended (the "BHCA").

PENNSYLVANIA BANKING LAWS

The Pennsylvania Banking Code ("Banking Code") contains detailed provisions governing the organization, location of offices, rights and responsibilities of directors, officers, and employees, as well as corporate powers, savings and investment operations and other aspects of the Bank and its affairs. The Banking Code delegates extensive rule-making power and administrative discretion to the PDB so that the supervision and regulation of state chartered banks may be flexible and readily responsive to changes in economic conditions and in savings and lending practices.
Pennsylvania law also provides Pennsylvania state chartered institutions elective parity with the power of national banks, federal thrifts, and state-chartered institutions in other states as authorized by the FDIC, subject to a required notice to the PDB. The Federal Deposit Insurance Corporation Act ("FDIA"), however, prohibits state chartered banks from making new investments, loans, or becoming involved in activities as principal and equity investments which are not permitted for national banks unless (1) the FDIC determines the activity or investment does not pose a significant risk of loss to the Deposit Insurance Fund and (2) the bank meets all applicable capital requirements. Accordingly, the additional operating authority provided to the Bank by the Banking Code is restricted by the FDIA.
In April 2008, banking regulators in the States of New Jersey, New York, and Pennsylvania entered into a Memorandum of Understanding (the "Interstate MOU") to clarify their respective roles, as home and host state regulators, regarding interstate branching activity on a regional basis pursuant to the Riegle-Neal Amendments Act of 1997. The Interstate MOU establishes the regulatory responsibilities of the respective state banking regulators regarding bank regulatory examinations and is intended to reduce the regulatory burden on state chartered banks branching within the region by eliminating duplicative host state compliance exams.  Under the Interstate MOU, the activities of branches we established in New York would be governed by Pennsylvania state law to the same extent that federal law governs the activities of the branch of an out-of-state national bank in such host states. Issues regarding whether a particular host state law is preempted are to be determined in the first instance by the PDB. In the event that the PDB and the applicable host state regulator disagree regarding whether a particular host state law is pre-empted, the PDB and the applicable host state regulator would use their reasonable best efforts to consider all points of view and to resolve the disagreement.
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COMMUNITY REINVESTMENT ACT
The Community Reinvestment Act, ("CRA"), as implemented by FRB regulations, provides that the Bank has a continuing and affirmative obligation consistent with its safe and sound operation to help meet the credit needs of its entire community, including low and moderate income neighborhoods.  The CRA does not establish specific lending requirements or programs for financial institutions nor does it limit an institution's discretion to develop the types of products and services that it believes are best suited to its particular community, consistent with the CRA.  The CRA requires the FRB, in connection with its examination of the Bank, to assess the institution's record of meeting the credit needs of its community and to take such record into account in its evaluation of certain corporate applications by such institution, such as mergers and branching.  The Bank's most recent rating was "Satisfactory."  Various consumer laws and regulations also affect the operations of the Bank.  In addition to the impact of regulation, commercial banks are affected significantly by the actions of the FRB as it attempts to control the money supply and credit availability in order to influence the economy.
THE DODD-FRANK ACT
The Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank Act") has significantly changed the current bank regulatory structure and will affect it into the immediate future the lending and investment activities and general operations of depository institutions and their holding companies.
The Dodd-Frank Act requires the FRB to establish minimum consolidated capital requirements for bank holding companies that are as stringent as those required for insured depository institutions; the components of Tier 1 capital would be restricted to capital instruments that are currently considered to be Tier 1 capital for insured depository institutions. In addition, the proceeds of trust preferred securities are excluded from Tier 1 capital unless (i) such securities are issued by bank holding companies with assets of less than $500 million or (ii) such securities were issued prior to May 19, 2010 by bank or savings and loan holding companies with less than $15 billion of assets. The exclusion of such proceeds are phased in over a three year period beginning in 2013.
 The Dodd-Frank Act also created a new Consumer Financial Protection Bureau with extensive powers to implement and enforce consumer protection laws. The Consumer Financial Protection Bureau has broad rulemaking authority for a wide range of consumer protection laws that apply to all banks, among other things, including the authority to prohibit "unfair, deceptive or abusive" acts and practices. However, institutions of less than $10 billion in assets, such as the Bank, will continue to be examined for compliance with consumer protection and fair lending laws and regulations by, and be subject to the enforcement authority of, their prudential regulators.
The Dodd-Frank Act created a new supervisory structure for oversight of the U.S. financial system, including the establishment of a new council of regulators, the Financial Stability Oversight Council, to monitor and address systemic risks to the financial system. Non-bank financial companies that are deemed to be significant to the stability of the U.S. financial system and all bank holding companies with $50 billion or more in total consolidated assets will be subject to heightened supervision and regulation. The FRB will implement prudential requirements and prompt corrective action procedures for such companies.
The Dodd-Frank Act made many other changes in banking regulation. Those include allowing depository institutions, for the first time, to pay interest on business checking accounts, requiring originators of securitized loans to retain a percentage of the risk for transferred loans, establishing regulatory rate-setting for certain debit card interchange fees and establishing a number of reforms for mortgage originations. Effective October 1, 2011, the debit-card interchange fee was capped at $0.21 per transaction, plus an additional 5 basis point charge to cover fraud losses. Although the regulation only impacts banks with assets above $10 billion, we believe that the provisions could result in a reduction in interchange revenue in the future.
The Dodd-Frank Act also broadened the base for FDIC insurance assessments. The FDIC was required to promulgate rules revising its assessment system so that it is based on the average consolidated total assets less tangible equity capital of an insured institution instead of deposits. That rule took effect April 1, 2011. The Dodd-Frank Act also permanently increased the maximum amount of deposit insurance for banks, savings institutions and credit unions to $250,000 per depositor, retroactive to January 1, 2008.
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Under provisions of the Dodd-Frank Act referred to as the "Volcker Rule" certain limitations are placed on the ability of bank holding companies and their affiliates to engage in sponsoring, investing in and transacting with certain investment funds, including hedge funds and private equity funds (collectively "covered funds"). The Volcker Rule also places restrictions on proprietary trading, which could impact certain hedging activities. The Volcker Rule became fully effective in July 2015. We do not expect this rule to have a material impact on the Company.
The Dodd-Frank Act requires various federal agencies to promulgate numerous and extensive implementing regulations. Although the substance and scope of many of these regulations cannot be determined at this time, particularly those provisions relating to the new Consumer Financial Protection Bureau, the Dodd-Frank Act and implementing regulations may have a material impact on operations through, among other things, increased compliance costs, heightened regulatory supervision, and higher interest expense.
CURRENT CAPITAL REQUIREMENTS
        Federal regulations require FDIC-insured depository institutions, including state-chartered, FRB-member banks, to meet several minimum capital standards.  These capital standards were effective January 1, 2015, and result from a final rule implementing regulatory amendments based on recommendations of the Basel Committee on Banking Supervision and certain requirements of the Dodd-Frank Act.
        The capital standards require the maintenance of common equity Tier 1 capital, Tier 1 capital and total capital to risk-weighted assets of at least 4.5%, 6.0% and 8.0%, respectively, and a leverage ratio of at least 4% of Tier 1 capital.  Common equity Tier 1 capital is generally defined as common stockholders' equity and retained earnings.  Tier 1 capital is generally defined as common equity Tier 1 and Additional Tier 1 capital.  Additional Tier 1 capital generally includes certain noncumulative perpetual preferred stock and related surplus and minority interests in equity accounts of consolidated subsidiaries.  Total capital includes Tier 1 capital (common equity Tier 1 capital plus Additional Tier 1 capital) and Tier 2 capital.  Tier 2 capital is comprised of capital instruments and related surplus meeting specified requirements, and may include cumulative preferred stock and long-term perpetual preferred stock, mandatory convertible securities, intermediate preferred stock and subordinated debt.  Also included in Tier 2 capital is the allowance for loan and lease losses limited to a maximum of 1.25% of risk-weighted assets and, for institutions that have exercised an opt-out election regarding the treatment of Accumulated Other Comprehensive Income ("AOCI"), up to 45% of net unrealized gains on available-for-sale equity securities with readily determinable fair market values.  The Company has exercised the AOCI opt-out option and therefore AOCI is not incorporated into common equity Tier 1 capital.  Calculation of all types of regulatory capital is subject to deductions and adjustments specified in the regulations.
        In determining the amount of risk-weighted assets for purposes of calculating risk-based capital ratios, assets, including certain off-balance sheet assets (e.g., recourse obligations, direct credit substitutes, residual interests) are multiplied by a risk weight factor assigned by the regulations based on the risks believed inherent in the type of asset.  Higher levels of capital are required for asset categories believed to present greater risk.  For example, a risk weight of 0% is assigned to cash and U.S. government securities, a risk weight of 50% is generally assigned to prudently underwritten first lien one- to four-family residential mortgages, a risk weight of 100% is assigned to commercial and consumer loans, a risk weight of 150% is assigned to certain past due loans and a risk weight of between 0% to 600% is assigned to permissible equity interests, depending on certain specified factors.
        In addition to establishing the minimum regulatory capital requirements, the regulations limit capital distributions by the institution and certain discretionary bonus payments to management if an institution does not hold a "capital conservation buffer" consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets above the amount necessary to meet its minimum risk-based capital requirements.  The capital conservation buffer requirement is being phased in beginning January 1, 2016 at 0.625% of risk-weighted assets and increasing each year until fully implemented at 2.5% on January 1, 2019.
        
4
        The FRB has authority to establish individual minimum capital requirements in appropriate cases upon a determination that an institution's capital level is or may become inadequate in light of the particular risks or circumstances.
        As of December 31, 2016, we met all applicable capital adequacy requirements.
PROMPT CORRECTIVE ACTION RULES
        Federal law establishes a system of prompt corrective action to resolve the problems of undercapitalized institutions.  The law requires that certain supervisory actions be taken against undercapitalized institutions, the severity of which depends on the degree of undercapitalization.  The FRB has adopted regulations to implement the prompt corrective action legislation as to state member banks.  The regulations were amended to incorporate the previously mentioned increased regulatory capital standards that were effective January 1, 2015.  An institution is deemed to be "well capitalized" if it has a total risk-based capital ratio of 10.0% or greater, a Tier 1 risk-based capital ratio of 8.0% or greater, a leverage ratio of 5.0% or greater and a common equity Tier 1 ratio of 6.5% or greater.  An institution is "adequately capitalized" if it has a total risk-based capital ratio of 8.0% or greater, a Tier 1 risk-based capital ratio of 6.0% or greater, a leverage ratio of 4.0% or greater and a common equity Tier 1 ratio of 4.5% or greater.  An institution is "undercapitalized" if it has a total risk-based capital ratio of less than 8.0%, a Tier 1 risk-based capital ratio of less than 6.0%, a leverage ratio of less than 4.0% or a common equity Tier 1 ratio of less than 4.5%.  An institution is deemed to be "significantly undercapitalized" if it has a total risk-based capital ratio of less than 6.0%, a Tier 1 risk-based capital ratio of less than 4.0%, a leverage ratio of less than 3.0% or a common equity Tier 1 ratio of less than 3.0%.  An institution is considered to be "critically undercapitalized" if it has a ratio of tangible equity (as defined in the regulations) to total assets that is equal to or less than 2.0%.
        Subject to a narrow exception, a receiver or conservator must be appointed for an institution that is "critically undercapitalized" within specified time frames.  The regulations also provide that a capital restoration plan must be filed with the FRB within 45 days of the date an institution is deemed to have received notice that it is "undercapitalized," "significantly undercapitalized" or "critically undercapitalized." Compliance with the capital restoration plan must be guaranteed by any parent holding company up to the lesser of 5% of the depository institution's total assets when it was deemed to be undercapitalized or the amount necessary to achieve compliance with applicable capital requirements.  In addition, numerous mandatory supervisory actions become immediately applicable to an undercapitalized institution including, but not limited to, increased monitoring by regulators and restrictions on growth, capital distributions and expansion.  The FRB could also take any one of a number of discretionary supervisory actions, including the issuance of a capital directive and the replacement of senior executive officers and directors.  Significantly and critically undercapitalized institutions are subject to additional mandatory and discretionary measures.
STANDARDS FOR SAFETY AND SOUNDNESS
        The federal banking agencies have adopted Interagency Guidelines prescribing Standards for Safety and Soundness in various areas such as internal controls and information systems, internal audit, loan documentation and credit underwriting, interest rate exposure, asset growth and quality, earnings and compensation, fees and benefits.  The guidelines set forth the safety and soundness standards that the federal banking agencies use to identify and address problems at insured depository institutions before capital becomes impaired.  If the FRB determines that a state member bank fails to meet any standard prescribed by the guidelines, the FRB may require the institution to submit an acceptable plan to achieve compliance with the standard.
5
ENFORCEMENT
        The PDB maintains enforcement authority over the Bank, including the power to issue cease and desist orders and civil money penalties and remove directors, officers or employees.  The PDB also has the power to appoint a conservator or receiver for a bank upon insolvency, imminent insolvency, unsafe or unsound condition or certain other situations.  The FRB has primary federal enforcement responsibility over FRB-member state banks and has authority to bring actions against the institution and all institution-affiliated parties, including shareholders, who knowingly or recklessly participate in wrongful actions likely to have an adverse effect on the bank. Formal enforcement action may range from the issuance of a capital directive or a cease and desist order, to removal of officers and/or directors.  Civil penalties cover a wide range of violations and can amount to $25,000 per day, or even $1 million per day in especially egregious cases.  The FDIC, as deposit insurer, has the authority to recommend to the FRB that enforcement action be taken with respect to a member bank.  If the FRB does not take action, the FDIC has authority to take such action under certain circumstances.  In general, regulatory enforcement actions occur with respect to situations involving unsafe or unsound practices or conditions, violations of law or regulation or breaches of fiduciary duty.  Federal and Pennsylvania law also establish criminal penalties for certain violations.
REGULATORY RESTRICTIONS ON BANK DIVIDENDS
The Bank may not declare a dividend without approval of the FRB, 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 years, less any required transfers to surplus.
Under Pennsylvania law, the Bank may only declare and pay dividends from its accumulated net earnings.  In addition, the Bank may not declare and pay dividends from the surplus funds that Pennsylvania law requires that it maintain.  Under these policies and subject to the restrictions applicable to the Bank, the Bank could have declared, during 2016, without prior regulatory approval, aggregate dividends of approximately $6.3 million, plus net profits earned to the date of such dividend declaration.
BANK SECRECY ACT
Under the Bank Secrecy Act (BSA), banks and other financial institutions are required to retain records to assure that the details of financial transactions can be traced if investigators need to do so.  Banks are also required to report most cash transactions in amounts exceeding $10,000 made by or on behalf of their customers.  Failure to meet BSA requirements may expose the Bank to statutory penalties, and a negative compliance record may affect the willingness of regulating authorities to approve certain actions by the Bank requiring regulatory approval, including acquisition and opening new branches.
INSURANCE OF DEPOSIT ACCOUNTS
The Bank's deposits are insured up to applicable limits by the Deposit Insurance Fund (DIF) of the FDIC.  Under the FDIC's risk-based assessment system, insured institutions are assigned to one of four risk categories based on supervisory evaluations, regulatory capital levels and certain other factors, with less risky institutions paying lower assessments.  An institution's assessment rate depends upon the category to which it is assigned, and certain adjustments specified by FDIC regulations.  Until recently, assessment rates ranged from seven to 77.5 basis points of assessable deposits.
As required by the Dodd-Frank Act, the FDIC has issued final rules implementing changes to the assessment rules. The rules change the assessment base used for calculating deposit insurance assessments from deposits to total assets less tangible (Tier 1) capital. Since the new base is larger than the previous base, the FDIC also lowered assessment rates so that the rule would not significantly alter the total amount of revenue collected from the industry. The range of adjusted assessment rates is now 2.5 to 45 basis points of the new assessment base. The rule is expected to benefit smaller financial institutions, which typically rely more on deposits for funding, and shift more of the burden for supporting the insurance fund to larger institutions, which are thought to have greater access to nondeposit funding. No institution may pay a dividend if it is in default of its assessments.  As a result of the Dodd-Frank Act, deposit insurance per account owner is $250,000 for all types of accounts.
6
The Dodd-Frank Act increased the minimum target DIF ratio from 1.15% of estimated insured deposits to 1.35% of estimated insured deposits.  The FDIC must seek to achieve the 1.35% ratio by September 30, 2020.  Insured institutions with assets of $10 billion or more are supposed to fund the increase.  The Dodd-Frank Act eliminated the 1.5% maximum fund ratio, instead leaving it to the discretion of the FDIC. The FDIC has recently exercised that discretion by establishing a long range fund ratio of 2%.
The FDIC has authority to increase insurance assessments. A significant increase in insurance premiums would likely have an adverse effect on the operating expenses and results of operations of the Bank.  Management cannot predict what insurance assessment rates will be in the future.
Insurance of deposits may be terminated by the FDIC upon a finding that the institution has engaged in unsafe or unsound practices, is in an unsafe or unsound condition to continue operations or has violated any applicable law, regulation, rule, order or regulatory condition imposed in writing.  The management of the Bank does not know of any practice, condition or violation that might lead to termination of deposit insurance.
FEDERAL RESERVE SYSTEM
Under FRB regulations, the Bank is required to maintain reserves against its transaction accounts (primarily NOW and regular checking accounts). For 2017, the Bank is required to maintain average daily reserves equal to 3% on aggregate transaction accounts of up to and including $115.1 million, plus 10% on the remainder, and the first $15.5 million of otherwise reservable balances will be exempt. These reserve requirements are subject to annual adjustment by the FRB.  The Bank is in compliance with the foregoing requirements.
PROHIBITIONS AGAINST TYPING ARRANGEMENTS
State-chartered banks are prohibited, subject to some exceptions, from extending credit to or offering any other service, or fixing or varying the consideration for such extension of credit or service, on the condition that the customer obtain some additional service from the institution or its affiliates or not obtain services of a competitor of the institution.
OTHER REGULATIONS
Interest and other charges collected or contracted for by the Bank are subject to state usury laws and federal laws concerning interest rates.  The Bank's operations are also subject to federal and state laws applicable to credit transactions, such as the:

•
Truth-In-Lending Act, governing disclosures of credit terms to consumer borrowers;
•
Home Mortgage Disclosure Act, requiring financial institutions to provide information to enable the public and public officials to determine whether a financial institution is fulfilling its obligation to help meet the housing needs of the community it serves;
•
Equal Credit Opportunity Act, prohibiting discrimination on the basis of race, creed or other prohibited factors in extending credit;
•
Fair Credit Reporting Act, governing the use and provision of information to credit reporting agencies;
•
Fair Debt Collection Act, governing the manner in which consumer debts may be collected by collection agencies;
•
Truth in Savings Act; and
•
Rules and regulations of the various federal and state agencies charged with the responsibility of implementing such laws.

The Bank's operations also are subject to the:

•
Right to Financial Privacy Act, which imposes a duty to maintain confidentiality of consumer financial records and prescribes procedures for complying with administrative subpoenas of financial records;
7
•
Electronic Funds Transfer Act and Regulation E promulgated thereunder, which govern automatic deposits to and withdrawals from deposit accounts and customers' rights and liabilities arising from the use of automated teller machines and other electronic banking services;
•
Check Clearing for the 21st Century Act (also known as "Check 21"), which gives "substitute checks," such as digital check images and copies made from that image, the same legal standing as the original paper check;
•
The USA PATRIOT Act, which requires banks operating to, among other things, establish broadened anti-money laundering compliance programs, due diligence policies and controls to ensure the detection and reporting of money laundering. Such required compliance programs are intended to supplement existing compliance requirements, also applicable to financial institutions, under the Bank Secrecy Act and the Office of Foreign Assets Control regulations; and
•
The Gramm-Leach-Bliley Act, which places limitations on the sharing of consumer financial information by financial institutions with unaffiliated third parties. Specifically, the Gramm-Leach-Bliley Act requires all financial institutions offering financial products or services to retail customers to provide such customers with the financial institution's privacy policy and provide such customers the opportunity to "opt out" of the sharing of certain personal financial information with unaffiliated third parties.
HOLDING COMPANY REGULATION
The Company, as a bank holding company, is subject to examination, supervision, regulation, and periodic reporting under the BHCA, as administered by the FRB.  The Company is required to obtain the prior approval of the FRB to acquire all, or substantially all, of the assets of any bank or bank holding company.  Prior FRB approval is also required for the Company to acquire direct or indirect ownership or control of any voting securities of any bank or bank holding company if it would, directly or indirectly, own or control more than 5% of any class of voting shares of the bank or bank holding company.
A bank holding company is generally prohibited from engaging in, or acquiring, direct or indirect control of more than 5% of the voting securities of any company engaged in nonbanking activities.  One of the principal exceptions to this prohibition is for activities found by the FRB to be so closely related to banking or managing or controlling banks as to be a proper incident thereto.  Some of the principal activities that the FRB has determined by regulation to be closely related to banking are: (i) making or servicing loans; (ii) performing certain data processing services; (iii) providing securities brokerage services; (iv) acting as fiduciary, investment or financial advisor; (v) leasing personal or real property under certain conditions; (vi) making investments in corporations or projects designed primarily to promote community welfare; and (vii) acquiring a savings association.
A bank holding company that meets specified conditions, including that its depository institutions subsidiaries are "well capitalized" and "well managed," can opt to become a "financial holding company." A "financial holding company" may engage in a broader array of financial activities than permitted a typical bank holding company.  Such activities can include insurance underwriting and investment banking.  The Company does not anticipate opting for "financial holding company" status at this time.
The Company is subject to the FRB's consolidated capital adequacy guidelines for bank holding companies.  Traditionally, those guidelines have been structured similarly to the regulatory capital requirements for the subsidiary depository institutions, but were somewhat more lenient.  For example, the holding company capital requirements allowed inclusion of certain instruments in Tier 1 capital that are not includable at the institution level.  As previously noted, the Dodd-Frank Act requires that the guidelines be amended so that they are at least as stringent as those required for the subsidiary depository institutions.  See  "—The Dodd-Frank Act."
A bank holding company is generally required to give the FRB prior written notice of any purchase or redemption of then outstanding equity securities if the gross consideration for the purchase or redemption, when combined with the net consideration paid for all such purchases or redemptions during the preceding 12 months, is equal to 10% or more of the Company's consolidated net worth.  The FRB may disapprove such a purchase or redemption if it determines that the proposal would constitute an unsafe and unsound practice, or would violate any law, regulation, FRB order or directive, or any condition imposed by, or written agreement with, the FRB.  The FRB has adopted an exception to that approval requirement for well-capitalized bank holding companies that meet certain other conditions.
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The FRB has issued a policy statement regarding the payment of dividends by bank holding companies.  In general, the FRB's policies provide that dividends should be paid only out of current earnings and only if the prospective rate of earnings retention by the bank holding company appears consistent with the organization's capital needs, asset quality and overall financial condition.  The FRB's policies also require that a bank holding company serve as a source of financial strength to its subsidiary banks by using available resources to provide capital funds during periods of financial stress or adversity and by maintaining the financial flexibility and capital-raising capacity to obtain additional resources for assisting its subsidiary banks where necessary.  The Dodd-Frank Act codified the source of strength policy and requires the promulgation of implementing regulations.  Under the prompt corrective action laws, the ability of a bank holding company to pay dividends may be restricted if a subsidiary bank becomes undercapitalized.  These regulatory policies could affect the ability of the Company to pay dividends or otherwise engage in capital distributions.
The Federal Deposit Insurance Act makes depository institutions liable to the Federal Deposit Insurance Corporation for losses suffered or anticipated by the insurance fund in connection with the default of a commonly controlled depository institution or any assistance provided by the Federal Deposit Insurance Corporation to such an institution in danger of default.  That law would have potential applicability if the Company ever held as a separate subsidiary a depository institution in addition to the Bank.
The status of the Company as a registered bank holding company under the Bank Holding Company Act will not exempt it from certain federal and state laws and regulations applicable to corporations generally, including, without limitation, certain provisions of the federal securities laws.
ACQUISITION OF THE HOLDING COMPANY
Under the Federal Change in Bank Control Act (the "CIBCA"), a notice must be submitted to the FRB if any person (including a company), or group acting in concert, seeks to acquire 10% or more of the Company's shares of outstanding common stock, unless the FRB has found that the acquisition will not result in a change in control of the Company. Under the CIBCA, the FRB generally has 60 days within which to act on such notices, taking into consideration certain factors, including the financial and managerial resources of the acquirer, the convenience and needs of the communities served by the Company and the Bank, and the anti-trust effects of the acquisition. Under the BHCA, any company would be required to obtain prior approval from the FRB before it may obtain "control" of the Company within the meaning of the BHCA. Control generally is defined to mean the ownership or power to vote 25% or more of any class of voting securities of the Company or the ability to control in any manner the election of a majority of the Company's directors. An existing bank holding company would be required to obtain the FRB's prior approval under the BHCA before acquiring more than 5% of the Company's voting stock.
EFFECT OF GOVERNMENT MONETARY POLICIES
The earnings and growth of the banking industry are affected by the credit policies of monetary authorities, including the Federal Reserve System.  An important function of the Federal Reserve System is to regulate the national supply of bank credit in order to control recessionary and inflationary pressures.  Among the instruments of monetary policy used by the Federal Reserve to implement these objectives are open market activities in U.S. government securities, changes in the discount rate on member bank borrowings and changes in reserve requirements against member bank deposits.  These operations are used in varying combinations to influence overall economic growth and indirectly, bank loans, securities, and deposits.  These variables may also affect interest rates charged on loans or paid on deposits.  The monetary policies of the Federal Reserve authorities have had a significant effect on the operating results of commercial banks in the past and are expected to continue to have such an effect in the future.
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In view of the changing conditions in the national economy and in the money markets, as well as the effect of actions by monetary and fiscal authorities including the Federal Reserve System, no prediction can be made as to possible changes in interest rates, deposit levels, loan demand or their effect on the business and earnings of the Company and the Bank.   Additional information is included under the caption "Management's Discussion and Analysis of Financial Condition and Results of Operations" appearing in this Annual Report on Form 10-K.
 
ITEM 1A – RISK FACTORS.
Changing interest rates may decrease our earnings and asset values.
Our net interest income is the interest we earn on loans and investments less the interest we pay on our deposits and borrowings.  Our net interest margin is the difference between the yield we earn on our assets and the interest rate we pay for deposits and our other sources of funding.  Changes in interest rates—up or down—could adversely affect our net interest margin and, as a result, our net interest income.  Although the yield we earn on our assets and our funding costs tend to move in the same direction in response to changes in interest rates, one can rise or fall faster than the other, causing our net interest margin to expand or contract.  Our liabilities tend to be shorter in duration than our assets, so they may adjust faster in response to changes in interest rates.  As a result, when interest rates rise, our funding costs may rise faster than the yield we earn on our assets, causing our net interest margin to contract until the asset yields catch up.   Changes in the slope of the "yield curve"—or the spread between short-term and long-term interest rates—could also reduce our net interest margin.  Normally, the yield curve is upward sloping, meaning short-term rates are lower than long-term rates.  Because our liabilities tend to be shorter in duration than our assets, when the yield curve flattens or even inverts, we could experience pressure on our net interest margin as our cost of funds increases relative to the yield we can earn on our assets.
Changes in interest rates also affect the value of the Bank's interest-earning assets, and in particular the Bank's securities portfolio.  Generally, the value of fixed-rate securities fluctuates inversely with changes in interest rates.  Unrealized gains and losses on securities available for sale are reported as a separate component of shareholder equity, net of tax.  Decreases in the fair value of securities available for sale resulting from increases in interest rates could have an adverse effect on shareholders' equity.
Local economic conditions are impacted by the exploration and drilling activities for natural gas in the in the Marcellus and Utica Shale formations.
Our north central Pennsylvania market area is predominately centered in the Marcellus and Utica Shale natural gas exploration and drilling area, and as a result, the economy in north central Pennsylvania is influenced by the natural gas industry.  Loan demand, deposit levels and the market value of local real estate are impacted by this activity.  While the Company does not lend to the various entities directly engaged in exploration, drilling or production activities, many of our customers provide transportation and other services and products that support natural gas exploration and production activities.  Therefore, our customers are impacted by changes in the market price for natural gas, as a significant downturn in this industry could impact the ability of our borrowers to repay their loans in accordance with their terms.  Additionally, exploration and drilling activities may be affected by federal, state and local laws and regulations such as restrictions on production, permitting, changes in taxes and environmental protection.  Regulatory and market pricing of natural gas could also impact and/or reduce demand for loans and deposit levels or loan collateral values. These factors could have a material adverse effect on our business, prospects, financial condition and results of operations.
Higher loan losses could require us to increase our allowance for loan losses through a charge to earnings.
When we loan money we incur the risk that our borrowers do not repay their loans. We reserve for loan losses by establishing an allowance through a charge to earnings. The amount of this allowance is based on our assessment of loan losses inherent in our loan portfolio. The process for determining the amount of the allowance is critical to our financial results and condition. It requires subjective and complex judgments about the future, including forecasts of economic or market conditions that might impair the ability of our borrowers to repay their loans. We might underestimate the loan losses inherent in our loan portfolio and have loan losses in excess of the amount reserved. We might increase the allowance because of changing economic conditions. For example, in a rising interest rate environment, borrowers with adjustable-rate loans could see their payments increase. There may be a significant increase in the number of borrowers who are unable or unwilling to repay their loans, resulting in our charging off more loans and increasing our allowance. In addition, when real estate values decline, the potential severity of loss on a real estate-secured loan can increase significantly, especially in the case of loans with high combined loan-to-value ratios. A decline in the national economy and the local economies of the areas in which the loans are concentrated could result in an increase in loan delinquencies, foreclosures or repossessions resulting in increased charge-off amounts and the need for additional loan loss allowances in future periods. In addition, bank regulators may require us to make a provision for loan losses or otherwise recognize further loan charge-offs following their periodic review of our loan portfolio, our underwriting procedures, and our loan loss allowance. Any increase in our allowance for loan losses or loan charge-offs as required by such regulatory authorities could have a material adverse effect on our financial condition and results of operations.
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Our allowance for loan losses amounted to $8.9 million, or 1.11% of total loans outstanding and 74.9% of nonperforming loans, at December 31, 2016. Our allowance for loan losses at December 31, 2016 may not be sufficient to cover future loan losses. A large loss could deplete the allowance and require increased provisions to replenish the allowance, which would decrease our earnings. In addition, at December 31, 2016 we had a total of 25 loan relationships with outstanding balances that exceeded $3.0 million, 23 of which were performing according to their original terms. However, the deterioration of one or more of these loans could result in a significant increase in our nonperforming loans and our provision for loan losses, which would negatively impact our results of operations.
Our emphasis on commercial real estate, agricultural real estate, construction and municipal lending may expose us to increased lending risks.
At December 31, 2016, we had $252.6 million in loans secured by commercial real estate, $123.6 million in agricultural real estate loans, $25.4 million in construction loans and $97.5 million in municipal loans. Commercial real estate loans, agricultural real estate, construction and municipal loans represented 31.6%, 15.5%, 3.2% and 12.2%, respectively, of our loan portfolio.  At December 31, 2016, we had $6.0 million of reserves specifically allocated to these loan types.  While commercial real estate, agricultural real estate, construction and municipal loans are generally more interest rate sensitive and carry higher yields than do residential mortgage loans, these types of loans generally expose a lender to greater risk of non-payment and loss than single-family residential mortgage loans because repayment of the loans often depends on the successful operation of the property, the income stream of the borrowers and, for construction loans, the accuracy of the estimate of the property's value at completion of construction and the estimated cost of construction.  Such loans typically involve larger loan balances to single borrowers or groups of related borrowers compared to single-family residential mortgage loans.
Agricultural loans are dependent for repayment on the successful operation and management of the farm property, the health of the agricultural industry broadly, and on the location of the borrower in particular, and other factors outside of the borrower's control.
At December 31, 2016, our agricultural loans, consisting primarily of agricultural real estate loans and other agricultural loans were $147.0 million representing 18.4% of our total loan portfolio. The primary activities of our agricultural customers include dairy and beef farms, poultry and swine operations, crops and support businesses.  Agricultural markets are highly sensitive to real and perceived changes in the supply and demand of agricultural products. Weaker prices, could reduce the value of agricultural land in our local markets and thereby increase the risk of default by our borrowers or reduce the foreclosure value of agricultural land, animals and equipment that serves as collateral for certain of our loans.  At December 31, 2016, the Company had one loan concentration within the dairy industry totaling $95,328,000 or 11.9% of total loans.
Our agricultural loans are dependent on the profitable operation and management of the farm property securing the loan and its cash flows. The success of a farm property may be affected by many factors outside the control of the borrower, including:
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·
adverse weather conditions (such as hail, drought and floods), restrictions on water supply or other conditions that prevent the planting of a crop or limit crop yields;
·
loss of crops or livestock due to disease or other factors;
·
declines in the market prices or demand for agricultural products (both domestically and internationally), for any reason;
·
increases in production costs (such as the costs of labor, rent, feed, fuel and fertilizer);
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the impact of government policies and regulations (including changes in price supports, subsidies, government-sponsored crop insurance, minimum ethanol content requirements for gasoline, tariffs, trade barriers and health and environmental regulations);
·
access to technology and the successful implementation of production technologies; and
·
changes in the general economy that could affect the availability of off-farm sources of income and prices of real estate for borrowers.
Lower prices for agricultural products may cause farm revenues to decline and farm operators may be unable to reduce expenses as quickly as their revenues decline. In addition, many farms are dependent on a limited number of key individuals whose injury or death could significantly affect the successful operation of the farm. If the cash flow from a farming operation is diminished, the borrower's ability to repay the loan may be impaired. Consequently, agricultural loans may involve a greater degree of risk than residential mortgage lending, particularly in the case of loans that are unsecured or secured by rapidly depreciating assets such as farm equipment (some of which is highly specialized with a limited or no market for resale) or assets such as livestock or crops. In such cases, any repossessed collateral for a defaulted agricultural operating loan may not provide an adequate source of repayment of the outstanding loan balance as a result of the greater likelihood of damage, loss or depreciation or because the assessed value of the collateral exceeds the eventual realization value.
Loan participations have been a significant source of loan originations in recent periods and a decline in loan participation volume could hurt profits and slow loan growth.
We have actively engaged in loan participations in recent periods whereby we are invited to participate in loans, primarily commercial real estate and municipal loans, originated by another financial institution known as the lead lender.  We have participated with other financial institutions in both our primary markets and out of market areas. Loan participations accounted for approximately $14.4 million, $13.1 million and $400,000, or 100%, 50.4% and 0.3% of the Company's net organic loan growth during 2014, 2015 and 2016, respectively. As of December 31, 2016, $86.7 million of our outstanding loan portfolio was from purchased participation loans. Our profits and loan growth could be significantly and adversely affected if the volume of loan participations would materially decrease, whether because loan demand declines, loan payoffs, lead lenders may come to perceive us as a potential competitor in their respective market areas, or otherwise.
If we conclude that the decline in value of any of our investment securities is other than temporary, we are required to write down the value of that security through a charge to earnings.
We review our investment securities portfolio monthly and at each quarter-end reporting period to determine whether the fair value is below the current carrying value. When the fair value of any of our investment securities has declined below its carrying value, we are required to assess whether the decline is other than temporary. If we conclude that the decline is other than temporary, we are required to write down the value of that security through a charge to earnings. As of December 31, 2016, our investment portfolio included available for sale investment securities with an amortized cost of $312.0 million and a fair value of $314.0 million, which included unrealized losses on 88 securities totaling $1,109,000.  Changes in the expected cash flows of these securities and/or prolonged price declines may result in our concluding in future periods that the impairment of these securities is other than temporary, which would require a charge to earnings to write down these securities to their fair value. Any charges for other-than-temporary impairment would not impact cash flow, tangible capital or liquidity.
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Failure to pass a Pennsylvania state budget could hurt our profits, asset values and liquidity.
The Company makes loans to, invests in securities issued by, and maintains deposit accounts of Pennsylvania municipalities, primarily school districts.  Until funding was distributed in January 2016 for the fiscal year 2015-2016, the state budget impasse resulted in the non-receipt by municipalities of state subsidies, which is a significant source of cash flow needed to meet their financial obligations.  If in the future another budget impasse occurs, we may incur losses on loans granted to municipalities as well as incur losses, including impairment losses as a result of credit rating downgrades or otherwise, on municipal securities in which we invest.  A budget impasse may also reduce municipal funds on deposit with the Company, which could hurt our liquidity and our earnings if we would have to resort to higher cost funding sources to meet our liquidity needs.
Income from secondary mortgage market operations is volatile, and we may incur losses or charges with respect to our secondary mortgage market operations which would negatively affect our earnings.
We generally sell in the secondary market the longer term fixed-rate residential mortgage loans that we originate, earning non-interest income in the form of gains on sale. When interest rates rise, the demand for mortgage loans tends to fall and may reduce the number of loans available for sale. Furthermore, the prolonged low interest rate environment has reduced the demand for loans available for sale.  In addition to interest rate levels, weak or deteriorating economic conditions also tend to reduce loan demand. Although we sell loans in the secondary market without recourse, we are required to give customary representations and warranties to the buyers. If we breach those representations and warranties, the buyers can require us to repurchase the loans and we may incur a loss on the repurchase. Because we generally retain the servicing rights on the loans we sell in the secondary market, we are required to record a mortgage servicing right asset, which we test annually for impairment. The value of mortgage servicing rights tends to increase with rising interest rates and to decrease with falling interest rates. If we are required to take an impairment charge on our mortgage servicing rights our earnings would be adversely affected.
As a result of the acquisition of FNB, the Bank acquired a portfolio of loans sold to the FHLB, which were sold under the Mortgage Partnership Finance Program ("MPF"). The Bank is no longer an active participant in the MPF program. The MPF portfolio balance was $32,960,000 at December 31, 2016. The FHLB maintains a first-loss position for the MPF portfolio that totals $120,000. Should the FHLB exhaust its first-loss position, recourse to the Bank's credit enhancement would be up to the next $985,000 of losses. The Bank has not experienced any losses for the MPF portfolio.
The Company's financial condition and results of operations are dependent on the economy in the Bank's market area.
The Bank's primary market area consists of the Pennsylvania Counties of Bradford, Clinton, Potter, and Tioga in north central Pennsylvania and Allegany, Steuben, Chemung and Tioga Counties in southern New York.  With the acquisition of FNB, south central Pennsylvania counties of Lebanon, Schuylkill and Berks represents a new market area.  As a result of opening a full service branch in 2016 in Mount Joy, Pennsylvania, we consider Lancaster County to now be part of the south central Pennsylvania market.  As of December 31, 2016, management estimates that approximately 92.0% of deposits and 71.7% of loans came from households whose primary address is located in the Bank's primary market areas.  Because of the Bank's concentration of business activities in its market area, the Company's financial condition and results of operations depend upon economic conditions in its market areas.  Adverse economic conditions in our market areas could reduce our growth rate, affect the ability of our customers to repay their loans and generally affect our financial condition and results of operations.  Conditions such as inflation, recession, unemployment, high interest rates and short money supply and other factors beyond our control may adversely affect our profitability.  We are less able than a larger institution to spread the risks of unfavorable local economic conditions across a large number of diversified economies.  Any sustained period of increased payment delinquencies, foreclosures or losses caused by adverse market or economic conditions in the States of Pennsylvania and New York could adversely affect the value of our assets, revenues, results of operations and financial condition.  Moreover, we cannot give any assurance we will benefit from any market growth or favorable economic conditions in our primary market areas if they do occur.
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A return of recessionary conditions could result in increases in our level of nonperforming loans and/or reduce demand for our products and services, which could have an adverse effect on our results of operations.
Although the U.S. economy is not currently in a recession, economic growth has been slow and uneven, and the percentage of people out of the workforce or unemployed remains elevated. A return to prolonged deteriorating economic conditions and/or continued negative developments in the domestic and international credit markets could significantly affect the markets in which we do business, the value of our loans and investments, and our ongoing operations, costs and profitability. These events may cause us to incur losses and may adversely affect our financial condition and results of operations.
We may fail to realize all of the anticipated benefits of entering new markets.
With the FNB acquisition and the hiring of an additional agricultural lending teams, the Company entered into new banking market areas.  The success of the FNB acquisition will depend upon, in part, the Company's ability to realize the anticipated benefits and cost savings from combining the businesses of the Company and FNB, as well as organically growing loans and deposits.  To realize these anticipated benefits and cost savings, the businesses and individuals must be successfully combined and operated.  If the Company is not able to achieve these objectives, the anticipated benefits, including growth and cost savings related to the combined businesses, may not be realized at all or may take longer to realize than expected.  If the Company fails to realize the anticipated benefits of the acquisition and the new employee hirings, the Company's results of operations could be adversely affected.
Regulation of the financial services industry is undergoing major changes, and future legislation could increase our cost of doing business or harm our competitive position.
We are subject to extensive regulation, supervision and examination by the FRB and the PDB, our primary regulators, and by the FDIC, as insurer of our deposits. Such regulation and supervision governs the activities in which an institution and its holding company may engage and are intended primarily for the protection of the insurance fund and the depositors and borrowers of the Bank rather than for holders of our common stock. Regulatory authorities have extensive discretion in their supervisory and enforcement activities, including the imposition of restrictions on our operations, the classification of our assets and determination of the level of our allowance for loan losses. Any change in such regulation and oversight, whether in the form of regulatory policy, regulations, legislation or supervisory action, may have a material impact on our profitability and operations. Future legislative changes could require changes to business practices or force us to discontinue businesses and potentially expose us to additional costs, liabilities, enforcement action and reputational risk.
We are periodically subject to examination and scrutiny by a number of banking agencies and, depending upon the findings and determinations of these agencies, we may be required to make adjustments to our business that could adversely affect us.
Federal and state banking agencies periodically conduct examinations of our business, including compliance with applicable laws and regulations. If, as a result of an examination, a banking agency was to determine that the financial condition, capital resources, asset quality, asset concentration, earnings prospects, management, liquidity, sensitivity to market risk or other aspects of any of our operations has become unsatisfactory, or that we or our management is in violation of any law or regulation, it could take a number of different remedial actions as it deems appropriate. These actions include the power to enjoin "unsafe or unsound" practices, to require affirmative actions to correct any conditions resulting from any violation or practice, to issue an administrative order that can be judicially enforced, to direct an increase in our capital, to restrict our growth, to change the composition of our assets or liabilities, to assess civil monetary penalties against us and/or our officers or directors, to remove officers and directors and, if it is concluded that such conditions cannot be corrected or there is an imminent risk of loss to depositors, to terminate our deposit insurance. If we become subject to such regulatory actions, our business, results of operations and reputation may be negatively impacted.
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Strong competition within the Bank's market areas could hurt profits and slow growth.
The Bank faces intense competition both in making loans and attracting deposits.  This competition has made it more difficult for the Bank to make new loans and at times has forced the Bank to offer higher deposit rates.  Price competition for loans and deposits might result in the Bank earning less on loans and paying more on deposits, which would reduce net interest income.  Competition also makes it more difficult to increase the volume of our loan and deposit portfolios.  As of June 30, 2016, which is the most recent date for which information is available, we held 35.6% of the FDIC insured deposits in Bradford, Potter and Tioga Counties, Pennsylvania, which was the largest share of deposits out of eight financial institutions with offices in the area, and 6.1% of the FDIC insured deposits in Allegany County, New York, which was the fourth largest share of deposits out of five financial institutions with offices in this area. As of June 30, 2016, we held 6.4% of the deposits in Lebanon County, Pennsylvania, which was the fifth largest share out of the 12 financial institutions with offices in the County. This data does not include deposits held by credit unions. Competition also makes it more difficult to hire and retain experienced employees.  Some of the institutions with which the Bank competes have substantially greater resources and lending limits than the Bank has and may offer services that the Bank does not provide.  Management expects competition to increase in the future as a result of legislative, regulatory and technological changes and the continuing trend of consolidation in the financial services industry.  The Bank's profitability depends upon its continued ability to compete successfully in its market area.
We rely on our management and other key personnel, and the loss of any of them may adversely affect our operations.
We are and will continue to be dependent upon the services of our executive management team. In addition, we will continue to depend on our ability to retain and recruit key commercial and agricultural loan officers. The unexpected loss of services of any key management personnel or commercial and agricultural loan officers could have an adverse effect on our business and financial condition because of their skills, knowledge of our market, years of industry experience and the difficulty of promptly finding qualified replacement personnel.
Environmental liability associated with lending activities could result in losses.
In the course of our business, we may foreclose on and take title to properties securing our loans.  If hazardous substances were discovered on any of these properties, we could be liable to governmental entities or third parties for the costs of remediation of the hazard, as well as for personal injury and property damage.  Many environmental laws can impose liability regardless of whether we knew of, or were responsible for, the contamination.  In addition, if we arrange for the disposal of hazardous or toxic substances at another site, we may be liable for the costs of cleaning up and removing those substances from the site even if we neither own nor operate the disposal site.  Environmental laws may require us to incur substantial expenses and may materially limit use of properties we acquire through foreclosure, reduce their value or limit our ability to sell them in the event of a default on the loans they secure.  In addition, future laws or more stringent interpretations or enforcement policies with respect to existing laws may increase our exposure to environmental liability.
Our ability to pay dividends is limited by law.
Our ability to pay dividends to our shareholders largely depends on our receipt of dividends from the Bank. The amount of dividends that the Bank may pay to us is limited by federal and state laws and regulations. We also may decide to limit the payment of dividends even when we have the legal ability to pay them in order to retain earnings for use in our business.
Federal and state banking laws, our articles of incorporation and our by-laws may have an anti-takeover effect.
Federal law imposes restrictions, including regulatory approval requirements, on persons seeking to acquire control over us.  Pennsylvania law also has provisions that may have an anti-takeover effect.  These provisions may serve to entrench management or discourage a takeover attempt that shareholders consider to be in their best interest or in which they would receive a substantial premium over the current market price.
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We are subject to certain risks in connection with our use of technology.
Communications and information systems are essential to the conduct of our business, as we use such systems to manage our customer relationships, our general ledger, our deposits, our loans, and to deliver on-line and electronic banking services. Our operations rely on the secure processing, storage, and transmission of confidential and other information in our computer systems and networks. Although we take protective measures and endeavor to modify them as circumstances warrant, the security of our computer systems, software, and networks may be vulnerable to breaches, unauthorized access, misuse, computer viruses, or other malicious code and cyber attacks that could have a security impact.
In addition, breaches of security may occur through intentional or unintentional acts by those having authorized or unauthorized access to our confidential or other information or the confidential or other information of our customers, clients, or counterparties. If one or more of such events were to occur, the confidential and other information processed and stored in, and transmitted through, our computer systems and networks could potentially be jeopardized, or could otherwise cause interruptions or malfunctions in our operations or the operations of our customers, clients, or counterparties. This could cause us significant reputational damage or result in our experiencing significant losses from fraud or otherwise.
Furthermore, we may be required to expend significant additional resources to modify our protective measures or to investigate and remediate vulnerabilities or other exposures arising from operational and security risks. Also, we may be subject to litigation and financial losses that are either not insured against or not fully covered through any insurance we maintain.
We routinely transmit and receive personal, confidential, and proprietary information by e-mail and other electronic means. We have discussed and worked with our customers, clients, and counterparties to develop secure transmission capabilities, but we do not have, and may be unable to put in place, secure capabilities with all of these constituents, and we may not be able to ensure that these third parties have appropriate controls in place to protect the confidentiality of such information. Any interception, misuse, or mishandling of personal, confidential, or proprietary information being sent to or received from a customer, client, or counterparty could result in legal liability, regulatory action, and reputational harm, and could have a significant adverse effect on our competitive position, financial condition, and results of operations.
Our risk management framework may not be effective in mitigating risks and/or losses to us.
We have implemented a risk management framework to manage our risk exposure. This framework is comprised of various processes, systems and strategies, and is designed to manage the types of risk to which we are subject, including, among others, credit, market, liquidity, interest rate and compliance. Our framework also includes financial or other modeling methodologies which involve management assumptions and judgment. There is no assurance that our risk management framework will be effective under all circumstances or that it will adequately mitigate any risk or loss to us. If our framework is not effective, we could suffer unexpected losses and our business, financial condition, results of operations or prospects could be materially and adversely affected. We may also be subject to potentially adverse regulatory consequences.
 
ITEM 1B – UNRESOLVED STAFF COMMENTS.
Not applicable.
 
ITEM 2 – PROPERTIES.
The headquarters of the Company and Bank are located at 15 South Main Street, Mansfield, Pennsylvania. The building contains the central offices of the Company and Bank. Our bank owns twenty one banking facilities and leases six other facilities. All buildings owned by the Bank are free of any liens or encumbrances.
The net book value of owned banking facilities and leasehold improvements totaled $15,992,000 as of December 31, 2016.  The properties are adequate to meet the needs of the employees and customers. We have equipped all of our facilities with current technological improvements for data processing.

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ITEM 3 - LEGAL PROCEEDINGS.
The Company is not involved in any pending legal proceedings other than routine legal proceedings occurring in the ordinary course of business.  Such routine legal proceedings in the aggregate are believed by management to be immaterial to the Company's financial condition or results of operations.

ITEM 4 – MINE SAFETY DISCLOSURES
Not applicable.

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PART II
ITEM 5 - MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES.
The Company's stock is not listed on any stock exchange, but it is quoted on the OTC Pink Market under the trading symbol CZFS.  Prices presented in the table below are bid prices between broker-dealers published by the OTC Pink Market and the Pink Sheets Electronic Quotation Service.  The prices do not include retail markups or markdowns or any commission to the broker-dealer.  The bid prices do not necessarily reflect prices in actual transactions.  For 2016 and 2015, cash dividends were declared on a quarterly basis and are summarized in the table below
     
Dividends
                
Dividends
  
 
  
2016
    
declared
    
2015
    
declared
  
   
High
    
Low
    
per share
    
High
    
Low
    
per share
  
First quarter
  
$
48.51
    
$
46.78
    
$
0.415
    
$
53.63
    
$
49.39
    
$
0.405
  
Second quarter
    
48.50
      
46.53
      
0.415
      
50.14
      
48.00
      
0.405
  
Third quarter
    
52.00
      
47.25
      
0.420
      
49.89
      
45.50
      
0.510
  
Fourth quarter
    
51.75
      
49.50
      
0.420
      
49.22
      
45.50
      
0.410
  
The Company has paid dividends since April 30, 1984, the effective date of our formation as a bank holding company. The Company's Board of Directors expects that comparable cash dividends will continue to be paid by the Company in the future; however, future dividends necessarily depend upon earnings, financial condition, appropriate legal restrictions and other factors in existence at the time the Board of Directors considers a dividend distribution. Cash available for dividend distributions to stockholders of the Company comes primarily from dividends paid to the Company by the Bank. Therefore, restrictions on the ability of the Bank to make dividend payments are directly applicable to the Company.  Under the Pennsylvania Business Corporation Law of 1988, the Company may pay dividends only if, after payment, the Company would be able to pay debts as they become due in the usual course of our business and total assets will be greater than the sum of total liabilities.  These regulatory policies could affect the ability of the Company to pay dividends or otherwise engage in capital distributions. Also see "Supervision and Regulation – Regulatory Restrictions on Bank Dividends," "Supervision and Regulation – Holding Company Regulation," and "Note 14 – Regulatory Matter" to the consolidated financial statements.
As of February 23, 2017, the Company had approximately 1,754 stockholders of record.  The computation of stockholders of record excludes investors whose shares were held for them by a bank or broker at that date. The following table presents information regarding the Company's stock repurchases during the three months ended December 31, 2016:
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)
  
 
                        
10/1/16 to 10/31/16
    
3,000
    
$
50.00
      
3,000
      
134,933
  
11/1/16 to 11/31/16
    
27,507
    
$
49.63
      
27,507
      
107,426
  
12/1/16 to 12/31/16
    
90
    
$
49.26
      
90
      
107,336
  
Total
    
30,597
    
$
49.67
      
30,597
      
107,336
  
(1)
On October 20, 2015, the Company announced that the Board of Directors authorized the Company to repurchase up to an additional 150,000 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.
18
Set forth below is a line graph comparing the yearly dollar changes in the cumulative shareholder return on the Company's common stock against the cumulative total return of the S&P 500 Stock index, SNL Mid-Atlantic Bank Index, SNL Bank $1 Billion to $5 Billion index and SNL Bank $500 Million to $1 Billion index for the period of seven fiscal years assuming the investment of $100.00 on December 31, 2009 and assuming the reinvestment of dividends. The $1 Billion to $5 Billion index was added to the chart in 2015 due to the Company exceeding $1.0 billion in assets in December of 2015 as a result of the FNB acquisition. The shareholder return shown on the graph below is not necessarily indicative of future performance and was obtained from SNL Financial LC, Charlottesville, VA.

 
Period Ended
Index
12/31/09
12/31/10
12/31/11
12/31/12
12/31/13
12/31/14
12/31/15
12/31/16
Citizens Financial Services, Inc.
100
150.76
146.47
191.7
259.14
270.7
256.14
289.37
S&P 500
100
115.06
117.49
136.3
180.44
205.14
207.98
232.85
SNL Mid-Atlantic Bank
100
116.66
87.64
117.4
158.25
172.41
178.88
227.36
SNL Bank $1B-$5B
100
113.35
103.38
127.47
185.36
193.81
216.95
312.12
SNL Bank $500M-$1B
100
109.16
96.03
123.12
159.65
175.15
197.69
266.93
19
ITEM 6 - SELECTED FINANCIAL DATA.
The following table sets forth certain financial data as of and for each of the years in the five year period ended December 31, 2016:
(in thousands, except per share data)
  
2016
    
2015
    
2014
    
2013
    
2012
  
Interest and dividend income
  
$
43,005
    
$
35,653
    
$
35,291
    
$
36,234
    
$
38,085
  
Interest expense
    
5,041
      
4,820
      
4,953
      
6,315
      
7,659
  
Net interest income
    
37,964
      
30,833
      
30,338
      
29,919
      
30,426
  
Provision for loan losses
    
1,520
      
480
      
585
      
405
      
420
  
Net interest income after provision
                                        
  for loan losses
    
36,444
      
30,353
      
29,753
      
29,514
      
30,006
  
Non-interest income
    
7,644
      
6,994
      
6,740
      
6,982
      
7,364
  
Investment securities gains, net
    
255
      
429
      
616
      
441
      
604
  
Non-interest expenses
    
28,671
      
23,429
      
20,165
      
19,810
      
19,428
  
Income before provision for income taxes
    
15,672
      
14,347
      
16,944
      
17,127
      
18,546
  
Provision for income taxes
    
3,034
      
2,721
      
3,559
      
3,752
      
4,331
  
Net income
  
$
12,638
    
$
11,626
    
$
13,385
    
$
13,375
    
$
14,215
  
 
                                        
Per share data:
                                        
Net income - Basic (1)
  
$
3.78
    
$
3.79
    
$
4.36
    
$
4.33
    
$
4.56
  
Net income - Diluted (1)
    
3.78
      
3.79
      
4.36
      
4.33
      
4.56
  
Cash dividends declared (1)
    
1.66
      
1.71
      
2.15
      
1.20
      
1.48
  
Stock dividend
    
1
%
    
0
%
    
1
%
    
5
%
    
1
%
Book value (1) (2)
    
37.55
      
35.62
      
32.48
      
30.31
      
27.33
  
 
                                        
End of Period Balances:
                                        
Total assets
  
$
1,223,018
    
$
1,162,984
    
$
925,048
    
$
914,934
    
$
882,427
  
Total investments
    
314,017
      
359,737
      
306,146
      
317,301
      
310,252
  
Loans
    
799,611
      
695,031
      
554,105
      
540,612
      
502,463
  
Allowance for loan losses
    
8,886
      
7,106
      
6,815
      
7,098
      
6,784
  
Total deposits
    
1,005,503
      
988,031
      
773,933
      
748,316
      
737,096
  
Total borrowings
    
79,662
      
41,631
      
41,799
      
66,932
      
46,126
  
Stockholders' equity
    
123,268
      
119,760
      
100,528
      
92,056
      
89,475
  
 
                                        
Key Ratios
                                        
Return on assets (net income to average total assets)
    
1.06
%
    
1.22
%
    
1.48
%
    
1.51
%
    
1.62
%
Return on equity (net income to average total equity)
    
10.24
%
    
11.20
%
    
13.73
%
    
14.89
%
    
17.48
%
Equity to asset ratio (average equity to average total assets,
                                        
  excluding other comprehensive income)
    
10.35
%
    
10.91
%
    
10.74
%
    
10.13
%
    
9.26
%
Net interest margin
    
3.68
%
    
3.76
%
    
3.84
%
    
3.87
%
    
3.99
%
Efficiency (3)
    
57.97
%
    
54.50
%
    
48.61
%
    
48.12
%
    
46.10
%
Dividend payout ratio (dividends declared divided by net income)
    
44.12
%
    
46.00
%
    
49.32
%
    
27.63
%
    
32.37
%
Tier 1 leverage
    
9.46
%
    
11.01
%
    
10.99
%
    
10.42
%
    
9.70
%
Common equity risk based capital
    
12.89
%
    
14.14
%
    
N/A
      
N/A
      
N/A
  
Tier 1 risk-based capital
    
13.81
%
    
15.20
%
    
17.30
%
    
16.44
%
    
16.21
%
Total risk-based capital
    
14.93
%
    
16.23
%
    
18.55
%
    
17.75
%
    
17.50
%
Nonperforming assets/total loans
    
1.61
%
    
1.22
%
    
1.67
%
    
1.88
%
    
1.83
%
Nonperforming loans/total loans
    
1.48
%
    
1.03
%
    
1.34
%
    
1.63
%
    
1.71
%
Allowance for loan losses/total loans
    
1.11
%
    
1.02
%
    
1.23
%
    
1.31
%
    
1.35
%
Net (recoveries)charge-offs/average loans
    
(0.04
%)
    
0.03
%
    
0.16
%
    
0.02
%
    
0.02
%
(1) Amounts were retroactively adjusted to reflect stock dividends.
  
(2) Calculation excludes accumulated other comprehensive income.
                                  
(3) Bank expenses to tax adjusted net interest income and non-interest income excluding security gains
  
20
ITEM 7 – MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS.
CAUTIONARY STATEMENT
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 assumed future results of operations of the Company, the Bank, First Citizens Insurance Agency, Inc. or the Company on a consolidated basis. When we use words such as "believes," "expects," "anticipates," or similar expressions, we are making forward-looking statements.  Forward-looking statements may prove inaccurate. For a variety of reasons, actual results could differ materially from those contained in or implied by forward-looking statements:
·
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 money by issuing new securities.
·
It could take us longer than we anticipate implementing 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 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, regulatory or compliance practices or requirements. Failure to comply with any one or more of these requirements could have an adverse effect on our operations.
·
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.
·
A budget impasse in the Commonwealth of Pennsylvania could impact our asset values, liquidity and profitability.
·
Companies providing support services related to the 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. Additionally, the activities the companies providing support services related to 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 these companies, our customers.
Additional factors are discussed in this Annual Report on Form 10-K under "Item 1A. Risk Factors."  These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements.  Forward-looking statements speak only as of the date they are made and the Company does not undertake to update forward-looking statements to reflect circumstances or events that occur after the date of the forward-looking statements or to reflect the occurrence of unanticipated events. Accordingly, past results and trends should not be used by investors to anticipate future results or trends.
21
INTRODUCTION
The following is management's discussion and analysis of the significant changes in financial condition, the results of operations, capital resources and liquidity presented in its 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 audited consolidated financial statements and related notes. Except as noted, tabular information is presented in thousands of dollars.
Our Company currently engages in the general business of banking throughout our service area of Potter, Tioga, Clinton and Bradford counties in north central Pennsylvania, Lebanon, Berks, Schuylkill and Lancaster counties in south central Pennsylvania and Allegany county in southern New York. We also have a limited branch office in Union county, Pennsylvania, which primarily serves agricultural customers in the central Pennsylvania market. We maintain our main office in Mansfield, Pennsylvania. Presently we operate 27 banking facilities, 26 of which operate as bank branches.  In Pennsylvania, the Company has full service offices located in Mansfield, Blossburg, Ulysses, Genesee, Wellsboro, Troy, Sayre, Canton, Gillett, Millerton, LeRaysville, Towanda, Rome, the Mansfield Wal-Mart Super Center, Mill Hall, Schuylkill Haven, Friedensburg, Mt. Aetna, Fredericksburg, Mount Joy and three branches near the city of Lebanon, Pennsylvania. We also have a limited branch office in Winfield, Pennsylvania. In New York, our office is in Wellsville.
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 policies 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, which could include identify theft, or theft of customer information through third parties. 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 and its subsidiary.  We cannot predict what legislation might be enacted or what regulations might be adopted, or if adopted, the effect thereof on our operations.
Readers should carefully review the risk factors described in other documents our Company files with the SEC, including the annual reports on Form 10-K, the quarterly reports on Form 10-Q and any current reports on Form 8-K filed by us.
22
TRUST AND INVESTMENT SERVICES; OIL AND GAS SERVICES
Our Investment and Trust Division is committed to helping our customers meet their financial goals.  The Trust Division offers professional trust administration, investment management services, estate planning and administration, custody of securities and individual retirement accounts.  Assets held by the Bank 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 Bank. As of December 31, 2016 and 2015, assets owned and invested by customers of the Bank through the Bank's investment representatives totaled $137.4 million and $119.7 million, respectively.  Additionally, as summarized in the table below, the Trust Department had assets under management as of December 31, 2016 and 2015 of $110.6 million and $110.2 million, respectively. The increase in assets under management is due to due to new accounts and contributions of $13.4 million, accounts closings and distributions of $24.1 million and changes in market value and income of $11.1 million.
(market values - in thousands)
  
2016
    
2015
  
INVESTMENTS:
            
Bonds
  
$
17,871
    
$
16,425
  
Stock
    
18,860
      
18,574
  
Savings and Money Market Funds
    
10,697
      
12,437
  
Mutual Funds
    
59,306
      
58,644
  
Mineral interests
    
2,598
      
2,781
  
Mortgages
    
456
      
686
  
Real Estate
    
613
      
565
  
Miscellaneous
    
170
      
68
  
TOTAL
  
$
110,571
    
$
110,180
  
ACCOUNTS:
                
Trusts
    
26,597
      
26,746
  
Guardianships
    
1,846
      
1,274
  
Employee Benefits
    
48,692
      
46,888
  
Investment Management
    
33,434
      
35,268
  
Custodial
    
2
      
4
  
TOTAL
  
$
110,571
    
$
110,180
  
Our financial consultants offer full service brokerage and financial planning services throughout the Bank's market areas.  Appointments can be made at any Bank branch.  Products such as mutual funds, annuities, health and life insurance are made through our insurance subsidiary, First Citizens Insurance Agency, Inc.
In addition to traditional trust and investment services offered, we 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 December 31, 2016, customers owning 6,961 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
Net income for the year ended December 31, 2016 was $12,638,000, which represents an increase of $1,012,000, or 8.7%, when compared to the 2015 related period.  Net income for the year ended December 31, 2015 was $11,626,000, which represents a decrease of $1,759,000, or 13.1%, when compared to the 2014 related period.  Basic earnings per share were $3.78, $3.79, and $4.36 for the years ended 2016, 2015 and 2014, respectively. Diluted earnings per share were $3.78, $3.79 and  $4.36 for the years ended 2016, 2015 and 2014, respectively.
Net income is influenced by five key components: net interest income, provision for loan losses, non-interest income, non-interest expenses, and the provision for income taxes.
23
Net Interest Income
The most significant source of revenue is net interest income; the amount of interest earned on interest-earning assets exceeding interest paid on interest-bearing liabilities.  Factors that influence net interest income are changes in volume of interest-earning assets and interest-bearing liabilities as well as changes in the associated interest rates.
The following table sets forth our Company's average balances of, and the interest earned or incurred on, each principal category of assets, liabilities and stockholders' equity, the related rates, net interest income and rate "spread" created. It should be noted that average balances and rates for 2016 were impacted by the acquisition of FNB, which closed on December 11, 2015. This acquisition had a small impact on average balances for 2015:
 
24
Analysis of Average Balances and Interest Rates
  
 
  
2016
    
2015
    
2014
  
 
  
Average
          
Average
    
Average
          
Average
    
Average
          
Average
  
 
  
Balance (1)
    
Interest
    
Rate
    
Balance (1)
    
Interest
    
Rate
    
Balance (1)
    
Interest
    
Rate
  
(dollars in thousands)
  
 
$ 
    
$ 
    
 
%
    
 
$ 
    
$ 
    
 
%
    
 
$ 
    
$ 
    
 
%
  
ASSETS
                                                                  
Short-term investments:
                                                                  
   Interest-bearing deposits at banks
    
22,726
      
82
      
0.36
      
12,218
      
20
      
0.16
      
8,479
      
9
      
0.11
  
Total short-term investments
    
22,726
      
82
      
0.36
      
12,218
      
20
      
0.16
      
8,479
      
9
      
0.11
  
Interest bearing time deposits at banks
    
7,232
      
139
      
1.92
      
6,215
      
122
      
1.97
      
3,651
      
73
      
2.00
  
Investment securities:
                                                                        
  Taxable
    
254,673
      
3,971
      
1.56
      
202,991
      
3,320
      
1.64
      
212,338
      
3,531
      
1.66
  
  Tax-exempt (3)
    
99,689
      
4,499
      
4.51
      
97,852
      
4,776
      
4.88
      
96,954
      
5,082
      
5.24
  
  Total investment securities
    
354,362
      
8,470
      
2.39
      
300,843
      
8,096
      
2.69
      
309,292
      
8,613
      
2.78
  
Loans:
                                                                        
  Residential mortgage loans
    
204,278
      
10,749
      
5.26
      
182,877
      
10,059
      
5.50
      
187,057
      
10,582
      
5.66
  
  Construction loans
    
15,242
      
752
      
4.93
      
8,518
      
438
      
5.14
      
5,237
      
247
      
4.71
  
  Commercial & agricultural loans
    
393,996
      
20,537
      
5.21
      
292,518
      
15,294
      
5.23
      
270,164
      
14,618
      
5.41
  
  Loans to state & political subdivisions
    
101,329
      
4,278
      
4.22
      
85,631
      
3,815
      
4.45
      
69,440
      
3,225
      
4.64
  
  Other loans
    
11,036
      
916
      
8.30
      
8,448
      
676
      
8.00
      
8,643
      
703
      
8.13
  
  Loans, net of discount (2)(3)(4)
    
725,881
      
37,232
      
5.13
      
577,992
      
30,282
      
5.24
      
540,541
      
29,375
      
5.43
  
Total interest-earning assets
    
1,110,201
      
45,923
      
4.14
      
897,268
      
38,520
      
4.29
      
861,963
      
38,070
      
4.42
  
Cash and due from banks
    
7,357
                      
4,197
                      
3,781
                  
Bank premises and equipment
    
17,218
                      
12,837
                      
11,454
                  
Other assets
    
57,604
                      
36,781
                      
30,152
                  
Total non-interest earning assets
    
82,179
                      
53,815
                      
45,387
                  
Total assets
    
1,192,380
                      
951,083
                      
907,350
                  
LIABILITIES AND STOCKHOLDERS' EQUITY
                                                                  
Interest-bearing liabilities:
                                                                        
  NOW accounts
    
301,681
      
917
      
0.30
      
230,675
      
801
      
0.35
      
219,473
      
764
      
0.35
  
  Savings accounts
    
172,182
      
184
      
0.11
      
119,021
      
144
      
0.12
      
101,639
      
119
      
0.12
  
  Money market accounts
    
118,486
      
523
      
0.44
      
98,452
      
481
      
0.49
      
91,373
      
424
      
0.46
  
  Certificates of deposit
    
271,117
      
2,623
      
0.97
      
250,952
      
2,687
      
1.07
      
257,723
      
3,040
      
1.18
  
Total interest-bearing deposits
    
863,466
      
4,247
      
0.49
      
699,100
      
4,113
      
0.59
      
670,208
      
4,347
      
0.65
  
Other borrowed funds
    
47,004
      
794
      
1.69
      
36,700
      
707
      
1.93
      
39,209
      
606
      
1.55
  
Total interest-bearing liabilities
    
910,470
      
5,041
      
0.55
      
735,800
      
4,820
      
0.66
      
709,417
      
4,953
      
0.70
  
Demand deposits
    
145,968
                      
102,977
                      
92,878
                  
Other liabilities
    
12,524
                      
8,510
                      
7,578
                  
Total non-interest-bearing liabilities
    
158,492
                      
111,487
                      
100,456
                  
Stockholders' equity
    
123,418
                      
103,796
                      
97,477
                  
Total liabilities & stockholders' equity
    
1,192,380
                      
951,083
                      
907,350
                  
Net interest income
            
40,882
                      
33,700
                      
33,117
          
Net interest spread (5)
                    
3.59
%
                    
3.63
%
                    
3.72
%
Net interest income as a percentage
                                                                        
  of average interest-earning assets
                    
3.68
%
                    
3.76
%
                    
3.84
%
Ratio of interest-earning assets
                                                                        
  to interest-bearing liabilities
                    
1.22
                      
1.22
                      
1.22
  
 
                                                                        
(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 interest 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 34% Federal statutory rate.  Accordingly, tax equivalent adjustments for investments and loans have been made accordingly to the previous table for the years ended December 31, 2016, 2015 and 2014, respectively (in thousands):
25
 
  
2016
    
2015
    
2014
  
Interest and dividend income from investment securities,
                  
    interest bearing time deposits and short-term investments (non-tax adjusted)
  
$
7,161
    
$
6,614
    
$
6,967
  
Tax equivalent adjustment
    
1,530
      
1,624
      
1,728
  
Interest and dividend income from investment securities,
                        
    interest bearing time deposits and short-term investments (tax equivalent basis)
  
$
8,691
    
$
8,238
    
$
8,695
  
 
                        
 
    
2016
      
2015
      
2014
  
Interest and fees on loans (non-tax adjusted)
  
$
35,844
    
$
29,039
    
$
28,324
  
Tax equivalent adjustment
    
1,388
      
1,243
      
1,051
  
Interest and fees on loans (tax equivalent basis)
  
$
37,232
    
$
30,282
    
$
29,375
  
 
                        
 
    
2016
      
2015
      
2014
  
Total interest income
  
$
43,005
    
$
35,653
    
$
35,291
  
Total interest expense
    
5,041
      
4,820
      
4,953
  
Net interest income
    
37,964
      
30,833
      
30,338
  
Total tax equivalent adjustment
    
2,918
      
2,867
      
2,779
  
Net interest income (tax equivalent basis)
  
$
40,882
    
$
33,700
    
$
33,117
  
The following table shows the tax-equivalent effect of changes in volume and rates on interest income and expense (in thousands):
Analysis of Changes in Net Interest Income on a Tax-Equivalent Basis
  
 
  
2016 vs. 2015 (1)
    
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
  
$
26
    
$
36
    
$
62
    
$
5
    
$
6
    
$
11
  
Interest bearing time deposits at banks
    
20
      
(3
)
    
17
      
50
      
(1
)
    
49
  
Investment securities:
                                                
  Taxable
    
797
      
(146
)
    
651
      
(154
)
    
(57
)
    
(211
)
  Tax-exempt
    
92
      
(369
)
    
(277
)
    
47
      
(353
)
    
(306
)
Total investment securities
    
889
      
(515
)
    
374
      
(107
)
    
(410
)
    
(517
)
Total investment income
    
935
      
(482
)
    
453
      
(52
)
    
(405
)
    
(457
)
Loans:
                                                
  Residential mortgage loans
    
1,096
      
(406
)
    
690
      
(234
)
    
(289
)
    
(523
)
  Construction loans
    
331
      
(17
)
    
314
      
166
      
25
      
191
  
  Commercial & agricultural loans
    
5,290
      
(47
)
    
5,243
      
1,141
      
(465
)
    
676
  
  Loans to state & political subdivisions
    
648
      
(185
)
    
463
      
715
      
(125
)
    
590
  
  Other loans
    
214
      
26
      
240
      
(16
)
    
(11
)
    
(27
)
Total loans, net of discount
    
7,579
      
(629
)
    
6,950
      
1,772
      
(865
)
    
907
  
Total Interest Income
    
8,514
      
(1,111
)
    
7,403
      
1,720
      
(1,270
)
    
450
  
Interest Expense:
                                                
Interest-bearing deposits:
                                                
  NOW accounts
    
195
      
(79
)
    
116
      
39
      
(2
)
    
37
  
  Savings accounts
    
54
      
(14
)
    
40
      
21
      
4
      
25
  
  Money Market accounts
    
79
      
(37
)
    
42
      
34
      
23
      
57
  
  Certificates of deposit
    
321
      
(385
)
    
(64
)
    
(77
)
    
(276
)
    
(353
)
Total interest-bearing deposits
    
649
      
(515
)
    
134
      
17
      
(251
)
    
(234
)
Other borrowed funds
    
156
      
(69
)
    
87
      
(35
)
    
136
      
101
  
Total interest expense
    
805
      
(584
)
    
221
      
(18
)
    
(115
)
    
(133
)
Net interest income
  
$
7,709
    
$
(527
)
  
$
7,182
    
$
1,738
    
$
(1,155
)
  
$
583
  
 
                                                
(1) The portion of the total change attributable to both volume and rate changes during the year has been allocated
          
to volume and rate components based upon the absolute dollar amount of the change in each component prior to allocation.
  

26
2016 vs. 2015
Tax equivalent net interest income for 2016 was $40,882,000 compared with $33,700,000 for 2015, an increase of $7,182,000 or 21.3%. Total interest income increased $7,403,000, as loan interest income increased $6,950,000, while total investment income increased $453,000. Interest expense increased $221,000 from 2015.
Total tax equivalent interest income from investment securities increased $374,000 in 2016 from 2015. The average balance of investment securities increased $53.5 million, which had an effect of increasing interest income by $889,000 due to volume. The majority of the increase in volume was in taxable securities, which experienced an increase in the average balance of $51.7 million. The average tax-effected yield on our investment portfolio decreased from 2.69% in 2015 to 2.39% in 2016.  This had the effect of decreasing interest income by $515,000 due to rate, the majority of which was related to non-taxable securities whose yield decreased from 4.88% in 2015 to 4.51% in 2016. The primary driver of the increase in the average balance of investments securities is attributable to the FNB acquisition.  The decrease in yield is also attributable to the acquisition of FNB, as the securities acquired had a lower yield than our existing portfolio.  Due to the amount of liquidity obtained as part of the FNB acquisition, during the first part of 2016 purchases made included US agency securities, mortgage backed securities, and high coupon municipal bonds.  During the second half of 2016, we chose to fund a portion of our loan growth from the cash flows from the investment portfolio, which were not reinvested in the bond market.  The Bank believes its investment strategy has appropriately mitigated its interest rate risk exposure if interest rates continue to rise, while also providing sufficient cash flows to fund loan growth expected as a result of the acquisition and strategic efforts.
In total, loan interest income increased $6,950,000 in 2016 from 2015.  The average balance of our loan portfolio increased by $147.9 million in 2016 compared to 2015, which resulted in an increase in interest income of $7,579,000 due to volume.  Offsetting this was a decrease in average yield on total loans from 5.24% in 2015 to 5.13% in 2016 resulting in a decrease in interest income of $629,000 due to rate. The increase in the average balance of loans was driven by the FNB acquisition as well as loan growth in our central and south central Pennsylvania markets as a result of lending teams hired in 2016.
·
Interest income on residential mortgage loans increased $690,000. The average balance of residential mortgage loans increased $21.4 million, resulting in an increase of $1,096,000 due to volume. The increase in volume was a result of the FNB acquisition.  The change due to rate was a decrease of $406,000 as the average yield on residential mortgages decreased from 5.50% in 2015 to 5.26% in 2016.  The Bank originated loans to be sold of $22.2 million during 2016, which compares to $18.9 million originated in 2015. Currently, all loans sold by the Bank are sold without recourse, with servicing retained.
·
The average balance of construction loans increased $6.7 million from 2015 to 2016, due to several large projects in progress during 2016 which resulted in an increase of $331,000 in interest income. Additionally, the average yield on construction loans decreased from 5.14% to 4.93%, which correlated to a $17,000 decrease in interest income.
·
Interest income on commercial and agricultural loans increased $5,243,000 from 2015 to 2016.  The increase in the average balance of commercial and agricultural loans of $101.5 million is primarily attributable to the acquisition of FNB as well as the additional lenders hired in 2016 to serve the central and south central markets. The ability of these lenders to attract and retain previous loan relationships, and the market upheaval created by several bank mergers in the Lebanon and Lancaster markets, resulted in commercial and agricultural loan growth.  The increase in the average balance of these loans resulted in an increase in interest income due to volume of $5,290,000.  We believe our lenders are adept at customizing and structuring loans to customers that meet their needs and satisfy our commitment to credit quality. In many cases, the Bank works with the United States Department of Agriculture's (USDA) and Small Business Administration (SBA) guaranteed loan programs to offset risk and to further promote economic growth in our market area.
27
·
 The average balance of loans to state and political subdivisions increased $15.7 million from 2015 to 2016 which had a positive impact of $648,000 on total interest income due to volume. The average tax equivalent yield on loans to state and political subdivisions decreased from 4.45% in 2015 to 4.22% in 2016, decreasing interest income by $185,000.
Total interest expense increased $221,000 in 2016 compared to 2015.  The increase is attributable to a change in volume as the average balance of interest bearing liabilities increased $174.7 million in 2016, which had the effect of increasing interest expense by $805,000. This increase was attributable to the FNB acquisition, which increased our deposit levels and the increase in borrowings to fund our loan portfolio growth. Increases in average deposits included NOW accounts of $71.0 million, savings accounts of $53.2 million, money markets accounts of $20.0 and certificates of deposit of $20.2 million. The combined impact to interest expense of these increases was an increase $649,000. The average balance of other borrowed funds increased $10.3 million as a result of funding loan growth in the second half of 2016, which corresponds to an increase in interest expense of $156,000.
The average interest rate paid on interest bearing liabilities decreased from 0.66% in 2015 to 0.55% in 2016, which resulted in a decrease in interest expense of $584,000. The low interest rate environment prompted by the Federal Reserve again had the effect of decreasing our rates on certificate of deposit products. While the Company's rates on certificate of deposit products are below historical averages they are competitive with rates paid by other institutions in the marketplace. The average rate on certificates of deposit decreased from 1.07% to 0.97% resulting in a decrease in interest expense of $385,000. The average rate paid on other borrowed funds decreased from 1.93% to 1.69% resulting in a decrease in interest expense of $69,000. Decreases in rates paid on NOW accounts, savings accounts and money market accounts were less than 5 basis points, and resulted in a cumulative decrease in interest expense of $130,000.
Our net interest margin for 2016 was 3.68% compared to 3.76% for 2015.  The interest rate environment for the majority of 2016 resulted in a very flat yield curve, which resulted in more downward pressure on the pricing of interest earning assets than on interest bearing liabilities. Should short or long-term interest rates move in such a way that results in a return to a flattened or inverted yield curve, we would anticipate additional pressure on our margin.

2015 vs. 2014
Tax equivalent net interest income for 2015 was $33,700,000 compared with $33,117,000 for 2014, an increase of $583,000 or 1.8%. Total interest income increased $450,000, as loan interest income increased $907,000, which was offset by a decrease in total investment income of $457,000. Interest expense decreased $133,000 from 2014.
Total tax equivalent interest income from investment securities decreased $517,000 in 2015 from 2014.  The average tax-effected yield on our investment portfolio decreased from 2.78% in 2014 to 2.69% in 2015.  This had the effect of decreasing interest income by $410,000 due to rate, the majority of which was related to non-taxable securities whose yield decreased from 5.24% in 2014 to 4.88% in 2015. The average balance of investment securities decreased $8.4 million, which had an effect of decreasing interest income by $107,000 due to volume. During 2015, there were significant fluctuations in the yield on investments as a result of economic indicators in the United States and global markets, turbulence in foreign markets, and comments made by the Federal Reserve about raising the Fed funds rate and the actual increase in the Fed funds rate of 25 bps in late 2015. These factors led to a further flattening of the yield curve in late 2015. Prior to the acquisition close, we chose to fund a portion of our loan growth from the cash flows from the investment portfolio, which 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 prior to the acquisition, the investment strategy in 2015 was to purchase agency securities with maturities of less than five years and high quality municipal bonds with high coupons. Due to the amount of liquidity obtained as part of the acquisition, purchases made subsequent to the acquisition included US treasury securities as the spread between agency and treasuries on the short end of the curve was insignificant and therefore treasury securities were purchased. Additionally, mortgage backed securities were purchased to provide a higher yield than agencies.
28
In total, loan interest income increased $907,000 in 2015 from 2014.  The average balance of our loan portfolio increased by $37.5 million in 2015 compared to 2014, which resulted in an increase in interest income of $1,772,000 due to volume.  Offsetting this was a decrease in average yield on total loans from 5.43% in 2014 to 5.24% in 2015 resulting in a decrease in interest income of $865,000 due to rate.
·
Interest income on residential mortgage loans decreased $523,000. The change due to rate was a decrease of $289,000 as the average yield on residential mortgages decreased from 5.66% in 2014 to 5.50% in 2015. Additionally, the average balance of residential mortgage loans decreased $4.2 million, resulting in a decrease of $234,000 due to volume. Loan demand for conforming mortgages in 2015 increased over demand in 2014 as a result of a decrease in interest rates in the secondary market. Due to the decrease in rates in the secondary market, we did not portfolio as many loans that qualified for sale in 2015 as we did in 2014. In 2015, the Company added to its portfolio $2.0 million of conforming mortgages with maturities of less than 15 years compared to $5.1 million of similar loans in 2014.  The Company originated loans to be sold of $18.9 million during 2015, which compares to $11.1 million originated and sold in 2014. As a result of the FNB acquisition, the Bank obtained a portfolio of serviced loans that include recourse, which totaled $40.4 million at December 31, 2015.
·
The average balance of construction loans increased $3.3 million from 2014 to 2015, due to several large projects, which resulted in an increase of $166,000 in interest income. Additionally, the average yield on construction loans increased from 4.71% to 5.14%, which correlated to a $25,000 increase in interest income.
·
During 2015 the average balance of commercial and agricultural loans increased $22.4 million which had a positive impact of $1,141,000 on total interest income due to volume.  Offsetting the increase due to volume, the average yield on commercial and agricultural loans decreased from 5.41% in 2014 to 5.23% in 2015, decreasing interest income by $465,000.
·
The average balance of loans to state and political subdivisions increased $16.2 million from 2014 to 2015 which had a positive impact of $715,000 on total interest income due to volume. The average tax equivalent yield on loans to state and political subdivisions decreased from 4.64% in 2014 to 4.45% in 2015, decreasing interest income by $125,000.
  Total interest expense decreased $133,000 in 2015 compared to 2014.  The decrease is primarily attributable to a change in average rate from .70% in 2014 to .66% in 2015, which had the effect of decreasing interest expense by $115,000. The continued low interest rate environment prompted by the Federal Reserve had the effect of decreasing our rates on certificate of deposit products. The average balance of interest bearing liabilities increased $26.4 million from 2014 to 2015. Certificates of deposit and other borrowed funds decreased $6.8 million and $2.5 million, respectively, which resulted in a decrease in interest expense due to volume of $112,000. These decreases were offset by increases in NOW accounts of $11.2 million, savings accounts of $17.4 million and money market accounts of $7.1 million. The cumulative effect of these increases was an increase in interest expense of $94,000.
The average balance of certificates of deposit decreased $6.8 million causing a decrease in interest expense of $77,000.  In addition, as a result of the continued low rate environment, there was a decrease in the average rate on certificates of deposit from 1.18% to 1.07% resulting in a decrease in interest expense of $276,000. The average balance of other borrowed funds decreased $2.5 million causing a decrease in interest expense of $35,000. Offsetting this decrease, there was an increase in the average rate on other borrowed funds from 1.55% to 1.93% resulting in an increase in interest expense of $136,000.  The increase in rate on borrowed funds was the result of the taking out a long term borrowing during the first quarter of 2015 and a decrease in the amount of funds borrowed overnight from the Federal Home Loan Bank of Pittsburgh as a result of an increase in deposit levels.
29
PROVISION FOR LOAN LOSSES
For the year ended December 31, 2016, we recorded a provision for loan losses of $1,520,000. The provision for 2016 was $1,040,000, or 216.7%, higher than the provision in 2015. The increase in the provision for loan losses was primarily the result of the organic loan growth experienced in 2016 and the increase in classified loans from December 31, 2015 to December 31, 2016. (see also "Financial Condition – Allowance for Loan Losses and Credit Quality Risk").
For the year ended December 31, 2015, we recorded a provision for loan losses of $480,000. The provision for 2015 was $105,000, or 18.0%, lower than the provision in 2014. The decrease in the provision for loan losses was primarily the result of the decrease in charge-offs the Company recorded in 2015 compared to 2014. (see also "Financial Condition – Allowance for Loan Losses and Credit Quality Risk").
NON-INTEREST INCOME
The following table reflects non-interest income by major category for the periods ended December 31 (dollars in thousands):
 

The following table reflects non-interest income by major category for the periods ended December 31 (dollars in thousands):
 
  
2016
    
2015
    
2014
Service charges
  
$
4,461
    
$
4,126
    
$
4,297
Trust
    
693
      
673
      
688
Brokerage and insurance
    
766
      
720
      
567
Investment securities gains, net
    
255
      
429
      
616
Gains on loans sold
    
449
      
404
      
236
Earnings on bank owned life insurance
    
688
      
628
      
507
Other
    
587
      
443
      
445
Total
  
$
7,899
    
$
7,423
    
$
7,356
 
   
2016/2015
    
2015/2014
  
 
  
Change
    
Change
  
 
  
Amount
    
%
    
Amount
    
%
  
Service charges
  
$
335
      
8.1
    
$
(171
)
    
(4.0
)
Trust
    
20
      
3.0
      
(15
)
    
(2.2
)
Brokerage and insurance
    
46
      
6.4
      
153
      
27.0
  
Investment securities gains, net
    
(174
)
    
(40.6
)
    
(187
)
    
(30.4
)
Gains on loans sold
    
45
      
11.1
      
168
      
71.2
  
Earnings on bank owned life insurance
    
60
      
9.6
      
121
      
23.9
  
Other
    
144
      
32.5
      
(2
)
    
(0.4
)
Total
  
$
476
      
6.4
    
$
67
      
0.9
  
 
2016 vs. 2015
Non-interest income increased $476,000 in 2016 from 2015, or 6.4%.  We recorded investment securities gains totaling $255,000 compared with net gains of $429,000 in 2015. During 2016, we sold two US treasury securities and one agency security for gains totaling $27,000 and $48,000, respectively, as a result of interest rates at the time of the sale. We sold four municipal securities for gains totaling $80,000. We also sold 7 agency securities for a gain of $2,000 and 6 corporate securities for a loss of $35,000 to fund loan growth that occurred in the fourth quarter and the uncertainty in the markets after the 2016 presidential election. Finally, we sold portions of three of the equity security positions as a result of their rise in price subsequent to the presidential election for a total gain of $133,000. During 2015, we sold five agency securities for gains totaling $196,000, five mortgage backed securities in government sponsored entities for gains totaling $69,000, 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 interest rate market conditions. Subsequent to the acquisition in 2015, we sold seven agency securities and three mortgage backed securities, as a result of their risk profile in a rising interest rate environment. These securities were sold upon the acquisition close and as a result no gains or losses were recorded on the sale.
30
Gains on loans sold increased $45,000 compared to last year, which is the result of the additional market areas obtained as part of the acquisition. During 2016, the Bank generated $21.5 million of loan sale proceeds, which was $2.2 million, or 11.5% more than the proceeds received in 2015.
Service charge income increased by $335,000 in 2016 compared to 2015, and continues to be the Company's primary source of non-interest income. The Company experienced a $33,000 increase in fees charged to customers for insufficient funds. ATM income increased $32,000 in 2016 compared to 2015 and interchange revenue increased $272,000. The increases were the result of the additional customers obtained as part of the acquisition.
The increase in earnings on bank owned life insurance of $60,000 is primarily due to the additional insurance obtained as part of the acquisition. The increase in other income is attributable to the acquisition and includes increases in safe deposit rents and loan servicing fees.
2015 vs. 2014
Non-interest income increased $67,000 in 2015 from 2014, or 0.9%.  We recorded investment securities gains totaling $429,000 compared with net gains of $616,000 in 2014. During 2015, we sold five agency securities for gains totaling $196,000, five mortgage backed securities in government sponsored entities for gains totaling $69,000, 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. As a result of the acquisition, we sold seven agency securities and three mortgage backed securities. These securities were sold upon the acquisition date and as a result no gains or losses were recorded on the sale. During 2014 we elected to sell eight agency securities, seven mortgage backed securities, several lots of an equity security, and one municipal security for gains of $177,000, $197,000, $101,000 and $172,000, respectively. We also sold two US Treasury securities for a loss of $31,000.
Gains on loans sold increased $168,000 for 2015 compared to 2014, which is the result of an increased level of refinancing activities in 2015 versus 2014 for conforming loans. During 2015, the Bank generated $19.2 million of loan sale proceeds, which was $8.1 million, or 72.6% more than the proceeds received in 2014.
Service charge income decreased by $171,000 in 2015 compared to 2014. The largest decrease was in fees charged to customers for insufficient funds, which experienced a decrease of $139,000. ATM income decreased $22,000 in 2015 compared to 2014 due to decreased usage of the Company's ATM machines by non-customers.
The increase in earnings on bank owned life insurance of $121,000 is primarily 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 $153,000 is primarily due to sales to a new customer, with a large brokerage balance.
Non-interest Expenses
The following tables reflect the breakdown of non-interest expense by major category for the periods ended December 31 (dollars in thousands):
31
 
  
2016
    
2015
    
2014
Salaries and employee benefits
  
$
16,410
    
$
12,504
    
11,505
Occupancy
    
1,900
      
1,424
    
1,287
Furniture and equipment
    
644
      
506
    
362
Professional fees
    
1,094
      
846
    
820
FDIC insurance
    
572
      
464
    
461
ORE expenses
    
389
      
969
    
299
Pennsylvania shares tax
    
690
      
713
    
686
Amortization of intangibles
    
327
      
-
    
-
Merger and acquisition
    
-
      
1,103
    
237
Other
    
6,645
      
4,900
    
4,508
Total
  
$
28,671
    
$
23,429
    
20,165
 
   
2016/2015
      2015/2014  
 
  
Change
    
Change
  
 
  
Amount
    
%
    
Amount
    
%
  
Salaries and employee benefits
  
$
3,906
      
31.2
    
$
999
      
8.7
  
Occupancy
    
476
      
33.4
      
137
      
10.6
  
Furniture and equipment
    
138
      
27.3
      
144
      
39.8
  
Professional fees
    
248
      
29.3
      
26
      
3.2
  
FDIC insurance
    
108
      
23.3
      
3
      
0.7
  
ORE expenses
    
(580
)
    
(59.9
)
    
670
      
224.1
  
Pennsylvania shares tax
    
(23
)
    
(3.2
)
    
27
      
3.9
  
Amortization of intangibles
    
327
      
-
      
-
      
-
  
Merger and acquisition
    
(1,103
)
    
(100.0
)
    
866
      
365.4
  
Other
    
1,745
      
35.6
      
392
      
8.7
  
Total
  
$
5,242
      
22.4
    
$
3,264
      
16.2
  

2016 vs. 2015
Non-interest expenses for 2016 totaled $28,671,000, which represents an increase of $5,242,000, compared with 2015 expenses of $23,429,000. The primary cause of the total increase was the acquisition of FNB and the retained employees and branches and the hiring of the lending teams in 2016. Salary and benefit costs increased $3,906,000.  Base salaries and related payroll taxes increased $2,848,000. Full time equivalent staffing was 252 and 195 employees for 2016 and 2015, respectively. Health insurance related expenses increased $615,000 from 2015 due to increased claims experience in 2016 from the additional headcount due to the acquisition and hiring of lending teams. Retirement and profit sharing expenses increased $286,000 compared to 2015, also as a result of the increased headcount.
The increases in occupancy and furniture and equipment was primarily related to the acquisition and the acquired branches as well as the opening of the office in Mount Joy, Pennsylvania and the limited branch office in Winfield, Pennsylvania. The increase in professional fees is associated with legal fees, as the Company looked to exit certain contracts and to close a branch in 2016, and consulting fees associated with system upgrades, including the issuance of new debit cards in the third quarter of 2016. The new chipped cards include additional security features, which we anticipate will reduce our fraudulent card charges.
The decrease in merger and acquisition expense is due to the acquisition that occurred in 2015 with no corresponding activity in 2016. The decrease in ORE expenses is the result of a non-accrual loan paying off in the third quarter of 2016, which resulted in the reimbursement of $240,000 of previously paid real estate taxes and legal fees. Additionally, in 2015, there were two OREO write-downs that totaled $262,000 compared to write-downs in 2016 that totaled $60,000.
The largest driver of the increase in other expenses was a general expense increase as part of the acquisition. These included additional advertising, phone and data communication, supplies and printing expenses. A second factor was an increase of $200,000 in contributions associated with the Pennsylvania educational improvement tax credit program. Also, we experienced an increase of $240,000 in charge-offs related to fraudulent charges on our customers debit cards.
32
2015 vs. 2014
Non-interest expenses for 2015 totaled $23,429,000, which represents an increase of $3,264,000, compared with 2014 expenses of $20,165,000.  Salary and benefit costs increased $999,000.  Base salaries and related payroll taxes increased $597,000, primarily due to merit increases and additional head count.  Full time equivalent staffing was 195 and 189 employees for 2015 and 2014, respectively. Health insurance related expenses increased $128,418 from 2014 due to increased claims experience in 2015. Retirement expenses increased $192,000 compared to 2014 as a result of actuarial changes and a decrease in earnings on pension plan assets.
The increases in occupancy and furniture and equipment was primarily related to the opening of the Mill Hall branch in the first quarter of 2015, which included some one-time costs incurred as part of the opening. The increase in ORE expenses was primarily the result of writing down several properties to fair value based upon updated appraisals. During 2015, the Company experienced losses on ORE properties of $409,000 compared to losses of $16,400 in 2014. The other large increase in ORE expenses was the result of an increase in legal fees and real estate taxes on certain properties and loans in foreclosure.
The increase in merger and acquisition costs was the result of the completed FNB acquisition in 2015, which resulted in severance costs, professional fees to assist with the completion of the merger, and system conversion costs to combine financial systems and records.
The largest driver of the increase in other expenses was charge-offs related to fraudulent charges on our customers debit cards. In addition, increases in other expenses included office and printing supplies for the new Mill Hall branch and the acquired branches as part of the FNB transaction and travel related expenses as a result of opening the new Mill Hall branch.
Provision for Income Taxes
The provision for income taxes was $3,034,000, $2,721,000 and $3,559,000 for 2016, 2015 and 2014, respectively. The effective tax rates for 2016, 2015 and 2014 were 19.4%, 19.0% and 21.0%, respectively.
Income before the provision for income taxes increased by $1,325,000 in 2016 compared to 2015. As the result of this increase, the provision for income taxes increased by $313,000 when compared to 2015. We have managed our effective tax rate by remaining invested in tax-exempt municipal loans and bonds and investments in certain partnerships that provide the Company with tax credits.
Income before the provision for income taxes decreased by $2,597,000 in 2015 compared to 2014. As the result of this decrease and an increase in non-taxable investment and loan interest income, the provision for income taxes decreased by $838,000 when compared to 2014.
We are involved in four limited partnership agreements that established low-income housing projects in our market area. During 2016, 2015 and 2014, we recognized tax credits related to two of the four partnerships. The tax credits for the other two projects were fully utilized by December 31, 2012. We anticipate recognizing an aggregate of $846,000 of tax credits over the next six years.    
FINANCIAL CONDITION
The following table presents ending balances (dollars in millions), growth and the percentage change during the past two years:

33

 
  
2016
          
%
    
2015
          
%
    
2014
  
 
  
Balance
    
Increase
    
Change
    
Balance
    
Increase
    
Change
    
Balance
  
 Total assets
  
$
1,223.0
    
$
60.0
      
5.2
    
$
1,163.0
    
$
238.0
      
25.7
    
$
925.0
  
 Total investments
    
314.0
      
(45.7
)
    
(12.7
)
    
359.7
      
53.6
      
17.5
      
306.1
  
 Total loans, net
    
790.7
      
102.8
      
14.9
      
687.9
      
140.6
      
25.7
      
547.3
  
 Total deposits
    
1,005.5
      
17.5
      
1.8
      
988.0
      
214.1
      
27.7
      
773.9
  
 Total stockholders' equity
    
123.3
      
3.5
      
2.9
      
119.8
      
19.3
      
19.2
      
100.5
  
 
Cash and Cash Equivalents
Cash and cash equivalents totaled $17.8 million at December 31, 2016 compared with $24.4 million at December 31, 2015. Management actively measures and evaluates its liquidity 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, 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 year-end composition of the investment portfolio for the five years ended December 31 (dollars in thousands):
 
  
2016
    
% of
    
2015
    
% of
    
2014
    
% of
    
2013
    
% of
    
2012
    
% of
  
 
  
Amount
    
Total
    
Amount
    
Total
    
Amount
    
Total
    
Amount
    
Total
    
Amount
    
Total
  
Available-for-sale:
                                                            
  U.S. Agency securities
  
$
170,414
      
54.3
    
$
199,591
      
55.5
    
$
150,885
      
49.3
    
$
152,189
      
48.0
    
$
127,234
      
41.0
  
  U.S. Treasuries
    
3,000
      
0.9
      
10,082
      
2.8
      
4,849
      
1.6
      
11,309
      
3.6
      
4,947
      
1.6
  
  Obligations of state & political
                                                                                
     subdivisions
    
96,926
      
30.9
      
102,863
      
28.6
      
105,036
      
34.3
      
95,005
      
29.9
      
100,875
      
32.5
  
  Corporate obligations
    
3,050
      
1.0
      
14,565
      
4.0
      
13,958
      
4.6
      
16,802
      
5.3
      
22,109
      
7.1
  
  Mortgage-backed securities
    
37,728
      
12.0
      
30,204
      
8.4
      
29,728
      
9.6
      
40,671
      
12.8
      
53,673
      
17.3
  
  Equity securities
    
2,899
      
0.9
      
2,432
      
0.7
      
1,690
      
0.6
      
1,325
      
0.4
      
1,414
      
0.5
  
Total
  
$
314,017
      
100.0
    
$
359,737
      
100.0
    
$
306,146
      
100.0
    
$
317,301
      
100.0
    
$
310,252
      
100.0
  

2016
The Company's investment portfolio decreased by $45.7 million, or 12.7%, during the past year primarily due to investment cash flows being utilized to fund loan growth in 2016. During 2016, we purchased $28.6 million of U.S. agencies, $14.2 million of mortgage backed securities, $9.8 million of state and local obligations and $3.0 million of corporate obligations, which helped to offset the $6.1 million of principal repayments and $61.7 million of calls and maturities that occurred during the year. We also sold $30.1 million of bonds and equities at a net gain of $255,000. The market value of our investment portfolio decreased approximately $1.3 million in 2016 due to interest rate fluctuations. Excluding our short term investments consisting of monies held primarily at the Federal Reserve, the effective yield on our investment portfolio for 2016 was 2.39% compared to 2.69% for 2015 on a tax equivalent basis.
During 2016, rates on the short and long end of the Treasury yield curve increased, as the result of the increase in the federal funds rate and the potential for additional future increases in the federal funds rate, as well as the uncertainty surrounding the economic environment as a result of the 2016 presidential election. The investment strategy in 2016 was to purchase agency securities with maturities of less than five years, mortgage backed securities with predictable cash flows and high quality municipal bonds with high coupons. The Bank believes its investment strategy has appropriately mitigated its interest rate risk exposure if interest rates continue to rise while providing sufficient cash flows to fund anticipated loan growth.
34
At December 31, 2016, the Company did not own any securities, other than government-sponsored and government-guaranteed mortgage-backed securities, that had an aggregate book value in excess of 10% of its stockholders' equity at that date.
The expected principal repayments at amortized cost and average weighted yields for the investment portfolio (excluding equity securities) as of December 31, 2016, are shown below (dollars in thousands). Expected principal repayments, which include prepayment speed assumptions for mortgage-backed securities, are significantly different than the contractual maturities detailed in Note 3 of the consolidated financial statements. Yields on tax-exempt securities are presented on a fully taxable equivalent basis, assuming a 34% tax rate.
               
After One Year
    
After Five Years
                          
   
One Year or Less
    
to Five years
    
to Ten Years
    
After Ten Years
    
Total
  
   
Amortized
    
Yield
    
Amortized
    
Yield
    
Amortized
    
Yield
    
Amortized
    
Yield
    
Amortized
    
Yield
  
   
Cost
    
%
    
Cost
    
%
    
Cost
    
%
    
Cost
    
%
    
Cost
    
%
  
Available-for-sale securities:
                                                            
  U.S. agency securities
  
$
40,598
      
1.1
    
$
126,628
      
1.5
    
$
3,050
      
2.0
    
$
-
      
-
    
$
170,276
      
1.4
  
  U.S. treasuries
    
2,999
      
0.7
      
-
      
-
      
-
      
-
      
-
      
-
      
2,999
      
0.7
  
  Obligations of state & political
                                                                                
    subdivisions
    
16,561
      
3.2
      
61,159
      
2.8
      
10,205
      
2.8
      
8,031
      
4.0
      
95,956
      
2.9
  
  Corporate obligations
    
-
      
-
      
-
      
-
      
3,000
      
5.8
      
-
      
-
      
3,000
      
5.8
  
  Mortgage-backed securities
    
10,263
      
1.6
      
17,709
      
1.9
      
9,519
      
2.0
      
496
      
2.2
      
37,987
      
1.9
  
Total available-for-sale
  
$
70,421
      
1.6
    
$
205,496
      
1.9
    
$
25,774
      
2.8
    
$
8,527
      
3.9
    
$
310,218
      
2.0
  

At December 31, 2016, approximately 89.9% of the amortized cost of debt securities is expected to mature, call or pre-pay within five years or less.  The Company expects that earnings from operations, the levels of cash held at the Federal Reserve and other correspondent banks, the high liquidity level of the available-for-sale securities, growth of deposits and the availability of borrowings from the Federal Home Loan Bank and other third party banks will be sufficient to meet future liquidity needs.

2015
The Company's investment portfolio increased by $53.6 million, or 17.5%, during 2015, primarily due to the acquisition of FNB. As part of the acquisition, we acquired $17.8 million of U.S. agency obligations, $1.2 million of mortgage backed securities, $1.8 million of state and local obligations and $3.0 million of corporate obligations. In addition, during 2015, we purchased $10.1 million of U.S treasuries, $74.5 million of U.S. agencies, $6.8 million of mortgage backed securities, $19.1 million of state and local obligations and $901,000 of equity securities, which helped to offset the $5.7 million of principal repayments and $42.5 million of calls and maturities that occurred during 2015. We also sold $30.5 million of bonds and equities at a net gain of $429,000. The market value of our investment portfolio decreased approximately $1.3 million in 2015 due to interest rate fluctuations. Excluding our short term investments consisting of monies held primarily at the Federal Reserve, the effective yield on our investment portfolio for 2015 was 2.69% compared to 2.78% for 2014 on a tax equivalent basis.
During 2015, rates on the short end of the Treasury yield curve experienced an increase, due to the increase in the federal funds rate and the potential for additional increases in the federal funds rate in the near future. The long end of the curve experienced significant volatility throughout the year and ended the year up slightly from 2014. The investment strategy in 2015 prior to the acquisition of FNB was to purchase agency securities with maturities of less than five years and high quality municipal bonds with high coupons. Due to the amount of liquidity obtained as part of the acquisition, purchases made subsequently included US Treasury securities as the spread between agency and treasuries on the short end of the curve was insignificant and thus the Treasury security was purchased. Additionally, mortgage backed securities were purchased to provide a higher yield than agencies.
At December 31, 2015, the Company did not own any securities, other than government-sponsored and government-guaranteed mortgage-backed securities, that had an aggregate book value in excess of 10% of its stockholders' equity at that date.
35
Loans
The Bank's lending efforts have historically focused on north central Pennsylvania and southern New York. With the acquisition of FNB, this focus has grown to include Lebanon, Schuylkill and Berks County markets of south central, Pennsylvania. In addition, we opened an office in Lancaster County and hired additional lenders to further support our opportunities in the south central market. We also hired a lending team which staffs our limited branch office in Union County to support customers in central Pennsylvania. We originate loans primarily through direct loans to our existing customer base, with new customers generated through the strong relationships that our new lending teams have with their customers, as well as by referrals from real estate brokers, building contractors, attorneys, accountants, corporate and advisory board members, existing customers and the Bank's website.  The Bank offers a variety of loans, although historically most of our lending has focused on real estate loans including residential, commercial, agricultural, and construction loans.  As of December 31, 2016, approximately 76.2% of our loan portfolio consisted of real estate loans.  All lending is governed by a lending policy that is developed and administered by management and approved by the Board of Directors.
The Bank primarily offers fixed rate residential mortgage loans with terms of up to 25 years and adjustable rate mortgage loans (with amortization schedules based up to 30 years) with interest rates and payments that adjust based on one, three, and five year fixed periods.  Loan to value ratios are usually 80% or less with exceptions for individuals with excellent credit and low debt to income and/or high net worth. Adjustable rate mortgages are tied to a margin above the comparable Federal Home Loan Bank of Pittsburgh borrowing rate.  Home equity loans are written with terms of up to 15 years at fixed rates.  Home equity lines of credit are variable rate loans tied to the Prime Rate generally with a ten year draw period followed by a ten year repayment period. Home equity loans are typically written with a maximum 80% loan to value.
Commercial real estate loan terms are generally 20 years or less, with one to five year adjustable interest rates.  The adjustable rates are typically tied to a margin above the comparable Federal Home Loan Bank of Pittsburgh borrowing rate with a maximum loan to value ratio of 80%. Where feasible, the Bank participates in the United States Department of Agriculture's (USDA) and Small Business Administration (SBA) guaranteed loan programs to offset risk and to further promote economic growth in our market area.  During 2016, we originated $3.1 million in USDA and SBA guaranteed commercial real estate loans.
Agriculture is an important industry in our market area. Therefore, the Bank has not only developed an agriculture lending team with significant experience that has a thorough understanding of this industry, but also hired two agricultural lending teams in 2016. Agricultural loans are made to a diversified customer base that include dairy, swine, poultry and support businesses.  Agricultural loans focus on character, cash flow and collateral, while also taking into account the particular risks of the industry.  Loan terms are generally 20 years or less, with one to five year adjustable interest rates.  The adjustable rates are typically tied to a margin above the comparable Federal Home Loan Bank of Pittsburgh borrowing rate with a maximum loan to value of 80%. The Bank is a preferred lender under the USDA's Farm Service Agency (FSA) and participates in the FSA guaranteed loan program.
The Bank, as part of its commitment to the communities it serves, is an active lender for projects by our local municipalities and school districts. These loans range from short term bridge financing to 20 year term loans for specific projects. These loans are typically written at rates that adjust at least every five years. Due to the size of certain municipal loans, we have developed participation lending relationships with other community banks that allow us to meet regulatory compliance issues, while meeting the needs of the customer. At December 31, 2016, the aggregate balance of our participation loans, in which a portion was sold to other lender's totaled $40.4 million.
Activity associated with exploration for natural gas remained limited in 2016 due to the low price of natural gas produced in our area. While the Bank has loaned to companies that service the exploration activities, the Bank did not originate any loans to companies performing the actual drilling and exploration activities. Loans made by the Company were to service industry customers which included trucking companies, stone quarries and other support businesses. We also originated loans to businesses and individuals for restaurants, hotels and apartment rentals that were developed and expanded to meet the housing and living needs of the gas workers. Due to our understanding of the industry and its cyclical nature, the loans made for natural gas-related activities were originated in a prudent and cautious manner and were subject to specific policies and procedures for lending to these entities, which included lower loan to value thresholds, shortened amortization periods, and expansion of our monitoring of loan concentrations associated with this activity.
36
The following table shows the year-end composition of the loan portfolio for the five years ended December 31 (dollars in thousands):
 
  
2016
    
2015
    
2014
    
2013
    
2012
  
 
  
Amount
    
%
    
Amount
    
%
    
Amount
    
%
    
Amount
    
%
    
Amount
    
%
  
Real estate:
                                                            
  Residential
  
$
207,423
      
25.9
    
$
203,407
      
29.3
    
$
185,438
      
33.5
    
$
187,101
      
34.6
    
$
178,080
      
35.4
  
  Commercial
    
252,577
      
31.6
      
237,542
      
34.2
      
190,945
      
34.5
      
193,087
      
35.7
      
176,710
      
35.2
  
  Agricultural
    
123,624
      
15.5
      
57,822
      
8.3
      
24,639
      
4.4
      
22,001
      
4.1
      
18,015
      
3.6
  
  Construction
    
25,441
      
3.2
      
15,011
      
2.2
      
6,353
      
1.1
      
8,937
      
1.7
      
12,011
      
2.4
  
Consumer
    
11,005
      
1.4
      
11,543
      
1.7
      
8,497
      
1.5
      
9,563
      
1.7
      
10,559
      
2.1
  
Other commercial loans
    
58,639
      
7.3
      
57,549
      
8.2
      
47,451
      
8.6
      
44,488
      
8.2
      
41,620
      
8.3
  
Other agricultural loans
    
23,388
      
2.9
      
13,657
      
2.0
      
11,065
      
2.0
      
9,541
      
1.8
      
6,260
      
1.2
  
State & political subdivision loans
    
97,514
      
12.2
      
98,500
      
14.1
      
79,717
      
14.4
      
65,894
      
12.2
      
59,208
      
11.8
  
Total loans
    
799,611
      
100.0
      
695,031
      
100.0
      
554,105
      
100.0
      
540,612
      
100.0
      
502,463
      
100.0
  
Less allowance for loan losses
    
8,886
              
7,106
              
6,815
              
7,098
              
6,784
          
Net loans
  
$
790,725
            
$
687,925
            
$
547,290
            
$
533,514
            
$
495,679
          
 
 
 
   
2016/2015
      2015/2014
 
  
Change
    
Change
 
  
Amount
    
%
    
Amount
    
%
Real estate:
                              
  Residential
  
$
4,016
      
2.0
    
$
17,969
      
9.7
  Commercial
    
15,035
      
6.3
      
46,597
      
24.4
  Agricultural
    
65,802
      
113.8
      
33,183
      
134.7
  Construction
    
10,430
      
69.5
      
8,658
      
136.3
Consumer
    
(538
)
    
(4.7
)
    
3,046
      
35.8
Other commercial loans
    
1,090
      
1.9
      
10,098
      
21.3
Other agricultural loans
    
9,731
      
71.3
      
2,592
      
23.4
State & political subdivision loans
    
(986
)
    
(1.0
)
    
18,783
      
23.6
Total loans
  
$
104,580
      
15.0
    
$
140,926
      
25.4
 
2016
Total loans grew $104.6 million in 2016 from $695.0 million at the end of 2015 to $799.6 million at the end of 2016. During 2016, the Company experienced growth in agricultural real estate loans of $65.8 million, commercial real estate loans of $15.0 million, construction loans of $10.4 million, other agricultural loans of $9.7 million and other commercial loans of $1.1 million The increases in these areas is the result of entering into the south central Pennsylvania market via the FNB acquisition, the hiring of additional agricultural and commercial lenders in the south central market and the hiring of an agricultural lending team to enter the central Pennsylvania market.
The increase of $4.0 million in residential loans was due us entering the south central Pennsylvania market and making additional residential loans in this market. During 2016, $22.2 million of loans were originated for sale on the secondary market, which compares to $18.9 million for 2015.  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.
37
2015
Total loans grew $140.9 million in 2015 from $554.1 million at the end of 2014 to $695.0 million at the end of 2015. The primary driver of the increase was $115.2 million in loans acquired from the acquisition of FNB as of December 11, 2015. The remaining growth was the result of our continued emphasis on growing commercial, agricultural and municipal relationships through well collateralized loans to meet our customers' needs.
During 2015, exclusive of the FNB acquisition, the Company experienced growth in agricultural real estate loans of $13.1 million, state and political subdivision loans of $8.9 million, construction loans of $5.8 million, other commercial and agricultural loans of $5.7 million and commercial real estate loans of $2.1 million. The opening of the Mill Hall branch resulted in loan growth of $13.1 million and was the primary contributor to the increase in agricultural loans independent of the acquisition of FNB.
Excluding the FNB acquisition, residential real estate loans experienced a decrease of $9.6 million during 2015. This decrease is attributable to an increase in loan demand for conforming mortgages, which the Company typically sells on the secondary market. During 2015, $18.9 million of loans were originated for sale on the secondary market, which compares to $11.1 million for 2014.  In addition to the loans originated for sale, the Company added in 2015 $2.0 million to its residential real estate portfolio in 2015 of certain 15 year mortgage loans that met secondary market standards. During 2014, the Company did not sell $5.1 million of residential mortgages that met secondary market standards.
The following table shows the maturity of commercial business and agricultural, state and political subdivision loans,  commercial real estate loans, and construction loans as of December 31, 2016, classified according to the sensitivity to changes in interest rates within various time intervals (in thousands).  The table does not include any estimate of prepayments which significantly shorten the average life of all loans and may cause our actual repayment experience to differ from that shown below.  Demand loans having no stated schedule of repayments and no stated maturity are reported as due in one year or less.

 
  
Commercial,
              
 
  
municipal,
    
Real estate
        
 
  
agricultural
    
construction
    
Total
  
Maturity of loans:
                  
  One year or less
  
$
18,268
    
$
-
    
$
18,268
  
  Over one year through five years
    
67,521
      
4,490
      
72,011
  
  Over five years
    
469,953
      
20,951
      
490,904
  
Total
  
$
555,742
    
$
25,441
    
$
581,183
  
Sensitivity of loans to changes in interest
                        
   rates - loans due after December 31, 2015:
                        
  Predetermined interest rate
  
$
88,222
    
$
7,810
    
$
96,032
  
  Floating or adjustable interest rate
    
449,252
      
17,631
      
466,883
  
Total
  
$
537,474
    
$
25,441
    
$
562,915
  
Allowance for Loan Losses and Credit Quality Risk
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 change in the allowance for loan losses and a summary of our non-performing assets for the years ended December 31, 2016, 2015, 2014, 2013 and 2012. All non-accruing troubled debt restructurings (TDRs) are also included the non-accruing loans totals.
38
 
 
  
December 31,
  
 
  
2016
    
2015
    
2014
    
2013
    
2012
  
Balance
                              
  at beginning of period
  
$
7,106
    
$
6,815
    
$
7,098
    
$
6,784
    
$
6,487
  
Charge-offs:
                                        
  Real estate:
                                        
     Residential
    
85
      
66
      
97
      
17
      
95
  
     Commercial
    
100
      
84
      
516
      
62
      
2
  
  Consumer
    
100
      
47
      
47
      
54
      
54
  
  Other commercial loans
    
55
      
41
      
250
      
1
      
21
  
  Other agricultural loans
    
-
      
-
      
-
      
-
      
-
  
Total loans charged-off
    
340
      
238
      
910
      
134
      
172
  
Recoveries:
                                        
  Real estate:
                                        
     Residential
    
-
      
-
      
-
      
5
      
-
  
     Commercial
    
479
      
14
      
15
      
5
      
9
  
  Consumer
    
88
      
33
      
27
      
33
      
33
  
  Other commercial loans
    
33
      
2
      
-
      
-
      
-
  
  Other agricultural loans
    
-
      
-
      
-
      
-
      
7
  
Total loans recovered
    
600
      
49
      
42
      
43
      
49
  
 
                                        
Net loans charged-off (recovered)
    
(260
)
    
189
      
868
      
91
      
123
  
Provision charged to expense
    
1,520
      
480
      
585
      
405
      
420
  
Balance at end of year
  
$
8,886
    
$
7,106
    
$
6,815
    
$
7,098
    
$
6,784
  
 
                                        
Loans outstanding at end of period
  
$
799,611
    
$
695,031
    
$
554,105
    
$
540,612
    
$
502,463
  
Average loans outstanding, net
  
$
725,881
    
$
577,992
    
$
540,541
    
$
516,748
    
$
496,822
  
Non-performing assets:
                                        
    Non-accruing loans
  
$
11,454
    
$
6,531
    
$
6,599
    
$
8,097
    
$
8,067
  
    Accrual loans - 90 days or more past due
    
405
      
623
      
836
      
697
      
506
  
      Total non-performing loans
  
$
11,859
    
$
7,154
    
$
7,435
    
$
8,794
    
$
8,573
  
    Foreclosed assets held for sale
    
1,036
      
1,354
      
1,792
      
1,360
      
616
  
      Total non-performing assets
  
$
12,895
    
$
8,508
    
$
9,227
    
$
10,154
    
$
9,189
  
 
                                        
Troubled debt restructurings (TDR)
                                        
    Non-accruing TDRs
  
$
6,758
    
$
3,397
    
$
3,654
    
$
4,701
    
$
4,834
  
    Accruing TDRs
    
6,095
      
2,243
      
2,502
      
2,510
      
193
  
      Total troubled debt restructurings
  
$
12,853
    
$
5,640
    
$
6,156
    
$
7,211
    
$
5,027
  
Net charge-offs to average loans
    
-0.04
%
    
0.03
%
    
0.16
%
    
0.02
%
    
0.02
%
Allowance to total loans
    
1.11
%
    
1.02
%
    
1.23
%
    
1.31
%
    
1.35
%
Allowance to total non-performing loans
    
74.93
%
    
99.33
%
    
91.66
%
    
80.71
%
    
79.13
%
Non-performing loans as a percent of loans
                                        
   net of unearned income
    
1.48
%
    
1.03
%
    
1.34
%
    
1.63
%
    
1.71
%
Non-performing assets as a percent of loans
                                  
  net of unearned income
    
1.61
%
    
1.22
%
    
1.67
%
    
1.88
%
    
1.83
%
The Company utilizes a disciplined and thorough loan review process based upon our internal loan policy approved by the Company's Board of Directors.  The purpose of the review is to assess loan quality, analyze delinquencies, identify problem loans, evaluate potential charge-offs and recoveries, and assess general overall economic conditions in the markets served.  An external independent loan review is performed on our commercial portfolio semi-annually for the Company.  The external consultant is engaged to 1) review a minimum of 55% (60% of loans prior to 2013) of the dollar volume of the commercial loan portfolio on an annual basis, 2) new loans originated for over $1.0 million in the last year, 3) 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, or classified Special Mention, Substandard, Doubtful, or Loss, and 5) such other loans which management or the consultant deems appropriate. As part of this review, our underwriting process and loan grading system is evaluated.
39
Management believes it uses the best information available to make such determinations and that the allowance for loan losses is adequate as of December 31, 2016.  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 from the watchlist.  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, other commercial loans and other agricultural loans, on non-accrual are evaluated quarterly for impairment.
The adequacy of the allowance for loan losses is subject to a formal, quarterly analysis by management of the Company.  In order to better analyze the risks associated with the loan portfolio, the entire portfolio is divided into several categories.  As stated above, loans on non-accrual status are specifically reviewed for impairment and given a specific reserve, if appropriate.  Loans evaluated and not found to be impaired are included with other performing loans, by category, by their respective homogenous pools.  Three year average historical loss factors were calculated for each pool and applied to the performing portion of the loan category for each year presented. The historical loss factors for both reviewed and homogeneous pools are adjusted based upon the following qualitative factors:
·
Level of and trends in delinquencies, 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 Bank'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 / CPI
§
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.
·
Existence and effect of any credit concentrations, and changes in the level of such concentrations
·
Any change in the level of board oversight

See also "Note 4 – Loans and Related Allowance for Loan Losses" to the consolidated financial statements.
40
The allowance for loan losses was $8,886,000 or 1.11% of total loans as of December 31, 2016 as compared to $7,106,000 or 1.02% of loans as of December 31, 2015.  The $1,780,000 increase is a result of a $1,520,000 provision for loan losses plus net recoveries of $260,000. In the third quarter of 2016, a loan paid off on which management fully collected a previous charge-off of $463,000, which is the reason for the net recoveries in 2016. The decrease as a percent of loans for 2016 and 2015 compared to 2014, 2013 and 2012 is attributable to the increase in loans as part of the acquisition of FNB and the associated purchase accounting adjustments that were applied to the FNB loan portfolio. The following table shows the distribution of the allowance for loan losses and the percentage of loans compared to total loans by loan category (dollars in thousands) as of December 31:
 
  
2016
    
2015
    
2014
    
2013
    
2012
  
 
  
Amount
    
%
    
Amount
    
%
    
Amount
    
%
    
Amount
    
%
    
Amount
    
%
  
Real estate loans:
                                                            
  Residential
  
$
1,064
      
25.9
    
$
905
      
29.3
    
$
878
      
33.5
    
$
946
      
34.6
    
$
875
      
35.4
  
  Commercial
    
3,589
      
31.6
      
3,376
      
34.2
      
3,419
      
34.5
      
3,983
      
35.7
      
3,897
      
35.2
  
  Agricultural
    
1,494
      
15.5
      
409
      
8.3
      
451
      
4.4
      
575
      
4.1
      
390
      
3.6
  
  Construction
    
47
      
3.2
      
24
      
2.2
      
26
      
1.1
      
50
      
1.7
      
38
      
2.4
  
Consumer
    
122
      
1.4
      
102
      
1.7
      
84
      
1.5
      
105
      
1.7
      
119
      
2.1
  
Other commercial loans
    
1,327
      
7.3
      
1,183
      
8.2
      
1,007
      
8.6
      
686
      
8.2
      
728
      
8.3
  
Other agricultural loans
    
312
      
2.9
      
122
      
2.0
      
217
      
2.0
      
256
      
1.8
      
150
      
1.2
  
State & political subdivision loans
    
833
      
12.2
      
593
      
14.1
      
545
      
14.4
      
330
      
12.2
      
271
      
11.8
  
Unallocated
    
98
      
N/A
      
392
      
N/A
      
188
      
N/A
      
167
      
N/A
      
316
      
N/A
  
Total allowance for loan losses
  
$
8,886
      
100.0
    
$
7,106
      
100.0
    
$
6,815
      
100.0
    
$
7,098
      
100.0
    
$
6,784
      
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 loans total 47.1% of the loan portfolio, 57.2% of the allowance is assigned to these portions of the loan portfolio as these loans have more inherent risks than residential real estate or loans to state and political subdivisions. Residential real estate loans comprise 25.9% of the loan portfolio as of December 31, 2016 and 12.0% of the allowance is assigned to this segment as generally there are less inherent risks then commercial and agricultural loans.
The following table identifies amounts of loans contractually past due 30 to 90 days and non-performing loans by loan category, as well as the change from December 31, 2015 to December 31, 2016 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.
41
 
 
  
December 31, 2016
    
December 31, 2015
  
 
        
Non-Performing Loans
          
Non-Performing Loans
  
 
  
30 - 89 Days
    
90 Days Past
    
Non-
    
Total Non-
    
30 - 89 Days
    
90 Days Past
    
Non-
    
Total Non-
  
 
  
Past Due
    
Due Accruing
    
accrual
    
Performing
    
Past Due
    
Due Accruing
    
accrual
    
Performing
  
Real estate:
                                                
  Residential
  
$
1,010
    
$
333
    
$
1,570
    
$
1,903
    
$
1,273
    
$
394
    
$
1,008
    
$
1,402
  
  Commercial
    
1,703
      
-
      
4,445
      
4,445
      
859
      
60
      
4,422
      
4,482
  
  Agricultural
    
-
      
-
      
1,340
      
1,340
      
344
      
-
      
34
      
34
  
  Construction
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Consumer
    
131
      
67
      
42
      
109
      
262
      
9
      
55
      
64
  
Other commercial loans
    
78
      
-
      
4,057
      
4,057
      
310
      
160
      
1,012
      
1,172
  
Other agricultural loans
    
77
      
5
      
-
      
5
      
9
      
-
      
-
      
-
  
Total nonperforming loans
  
$
2,999
    
$
405
    
$
11,454
    
$
11,859
    
$
3,057
    
$
623
    
$
6,531
    
$
7,154
  
 
 
 
  
Change in Non-Performing Loans
  
 
    
2016 / 2015
  
 
  
Amount
    
%
  
Real estate:
              
  Residential
  
$
501
      
35.7
  
  Commercial
    
(37
)
    
(0.8
)
  Agricultural
    
1,306
      
3,841.2
  
  Construction
    
-
      
-
  
Consumer
    
45
      
70.3
  
Other commercial loans
    
2,885
      
246.2
  
Other agricultural loans
    
5
      
N/A
  
Total nonperforming loans
  
$
4,705
      
65.8
  
 
The following table shows the distribution of non-performing loans by loan category (dollars in thousands) for the past five years as of December 31:
 
  
Non-Performing Loans
  
 
  
2016
    
2015
    
2014
    
2013
    
2012
  
Real estate:
                              
  Residential
  
$
1,903
    
$
1,402
    
$
1,174
    
$
1,037
    
$
995
  
  Commercial
    
4,445
      
4,482
      
5,320
      
7,591
      
7,194
  
  Agricultural
    
1,340
      
34
      
-
      
-
      
-
  
  Construction
    
-
      
-
      
-
      
-
      
-
  
Consumer
    
109
      
64
      
53
      
16
      
4
  
Other commercial loans
    
4,057
      
1,172
      
888
      
150
      
380
  
Other agricultural loans
    
5
      
-
      
-
      
-
      
-
  
State & political subdivision loans
    
-
      
-
      
-
      
-
      
-
  
Total nonperforming loans
    
11,859
      
7,154
      
7,435
      
8,794
      
8,573
  
For the year ended December 31, 2016, we recorded a provision for loan losses of $1,520,000 which compares to $480,000 for the same period in 2015, an increase of $1,040,000. The increase is primarily attributable to the organic loan growth for 2016 and the increase in non-performing and classified assets experienced during 2016. Non-performing loans increased $4,705,000 from December 31, 2015 to December 31, 2016 with the increase being primarily related to two relationships with a total balance of $5,049,000 at December 31, 2016. At December 31, 2016, approximately 67.8% of the Bank's non-performing loans are associated with the following three customer relationships:
·
A commercial customer with a total loan relationship of $3.7 million secured by undeveloped land, stone quarries and equipment was on non-accrual status as of December 31, 2016. The slowdown in the exploration for natural gas has significantly impacted the cash flows of the customer, who provides excavation services and stone for pad construction related to these activities. Management reviewed the collateral value and determined that no specific reserve was required as of December 31, 2016.
·
A commercial customer with a total loan relationship of $3.0 million secured by approximately 160 residential properties was on non-accrual status as of December 31, 2016. 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 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. During 2016, the Company appraised the underlying collateral. The appraisals indicated a slight decrease in collateral values compared to the appraisals ordered for the loan origination, however, the loan is still considered well secured on a loan to value basis. 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 December 31, 2016, there was no specific reserve for this relationship.
42
·
An agricultural customer with a relationship of approximately $1.3 million secured by land, agricultural buildings and equipment was placed on non-accrual status in 2016. The customers transition to organic farming and contractual issues with a supplier have significantly impacted the cash flows from the customer's activities The customer is currently marketing the real estate and buildings for sale. Management reviewed the collateral value and determined that a specific reserve of $54,000 was required as of December 31, 2016.

Management believes that the allowance for loan losses at December 31, 2016 was adequate at that date, which was based on the following factors:
·
Two loan relationships comprise 56.5% of the non-performing loan balance, whose debt is considered well collateralized as of December 31, 2016.
·
In 2016, we experienced a net recovery and in 2015 net and gross charge-offs returned to their low historical rate of .03%.
·
Real estate values in the Bank's primary market areas have only decreased slightly with the decrease in the market price for natural gas.

Bank Owned Life Insurance
The Company holds bank owned life insurance policies to offset future employee benefit costs. These policies provide the Bank with an asset that generates earnings to partially offset the current costs of benefits, and eventually (at the death of the insureds) provide partial recovery of cash outflows associated with the benefits.  As of December 31, 2016 and 2015, the cash surrender value of the life insurance was $26.2 million and $25.5 million, respectively. The change in cash surrender value, net of purchases and amounts acquired through acquisitions, is recognized in the results of operations.  The amounts recorded as non-interest income totaled $688,000, $628,000 and $507,000 in 2016, 2015 and 2014, respectively.  The Company evaluates annually the risks associated with the life insurance policies, including limits on the amount of coverage and an evaluation of the various carriers' credit ratings.
Effective January 1, 2015, the Company restructured its 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. The policies acquired as part of the acquisition of FNB, provide a fixed dollar benefit for the beneficiaries estate, which is dependent on several factors including whether the covered individual was a Director of FNB or an employee of FNB and their salary level. As of December 31, 2016, included in other liabilities on the Consolidated Balance sheet is a liability of $569,000 for the obligation under the split-dollar benefit agreements.
43
Other Assets
2016
Other assets increased $9.1 million in 2016 to $21.2 million from $12.1 million in 2015. As the result of an investment sale not settling until 2017, other assets increased $7.6 million. As a result of an increase in FHLB borrowings regulatory stock increased $1.8 million.
2015
      Other assets increased $5.4 million in 2015 to $12.1 million from $6.7 million in 2014. As a result of the decrease in the market value of the Company's investment portfolio and the acquisition of FNB, net deferred taxes changed from a liability of $28,000 as of December 31, 2014 to an asset of $3.5 million as of December 31, 2015. As a result of the acquisition of FNB, regulatory stock increased $1.4 million.
Deposits
The following table shows the breakdown of deposits by deposit type (dollars in thousands) at December 31:
 
  
2016
    
2015
    
2014
  
 
  
Amount
    
%
    
Amount
    
%
    
Amount
    
%
  
Non-interest-bearing deposits
  
$
147,425
      
14.7
    
$
150,960
      
15.3
    
$
95,526
      
12.3
  
NOW accounts
    
305,862
      
30.4
      
279,655
      
28.3
      
226,038
      
29.2
  
Savings deposits
    
170,722
      
17.0
      
170,277
      
17.2
      
108,252
      
14.0
  
Money market deposit accounts
    
116,880
      
11.6
      
105,229
      
10.7
      
95,350
      
12.3
  
Certificates of deposit
    
264,614
      
26.3
      
281,910
      
28.5
      
248,767
      
32.2
  
Total
  
$
1,005,503
      
100.0
    
$
988,031
      
100.0
    
$
773,933
      
100.0
  
 
   
2016/2015
    
2015/2014
  
 
  
Change
    
Change
  
 
  
Amount
    
%
    
Amount
    
%
  
Non-interest-bearing deposits
  
$
(3,535
)
    
(2.3
)
  
$
55,434
      
58.0
  
NOW accounts
    
26,207
      
9.4
      
53,617
      
23.7
  
Savings deposits
    
445
      
0.3
      
62,025
      
57.3
  
Money market deposit accounts
    
11,651
      
11.1
      
9,879
      
10.4
  
Certificates of deposit
    
(17,296
)
    
(6.1
)
    
33,143
      
13.3
  
Total
  
$
17,472
      
1.8
    
$
214,098
      
27.7
  
 
2016
Total deposits increased $17.5 million in 2016, or 1.8%.  The primary driver of the increase was an increase in public deposits. This was due to the fact that at December 31, 2015, the Commonwealth of Pennsylvania had not passed a budget for the 2015-2016 fiscal year and as a result was not passing funds through to local public governments who maintain their deposit accounts with the Company. As a result, to fund operations, these entities were experiencing significant decreases in their deposit balances. Once a budget was passed in 2016, funding was restored to the local public governments.
Non-interest bearing deposits decreased $3.5 million in 2016.  As a percentage of total deposits, non-interest bearing deposits totaled 14.7% as of the end of 2016, which compares to 15.3% at the end of 2015. In order to manage our overall cost of funds, the Company continues to focus on adding low cost deposits by having several checking products available for retail customers as well as being the primary checking account for commercial customers who also have loans with the Company.
NOW accounts increased by $26.2 million and money market deposit accounts increased by $11.7 million since the end of 2015.  The primary causes of the increase in NOW accounts and money market accounts was the resolution of the  Pennsylvania budget stalemate described previously and transfers from certificates of deposit. Certificates of deposits decreased in 2016 by a total of $17.3 million. During 2016 the Company continued to pay historically low rates on certificates of deposits due to the interest rate environment. Certain customers who typically utilize certificate of deposits as a means of generating income or as a longer term investment option, were moving funds into money market and savings accounts that still paid interest in order to maintain flexibility for potentially rising interest rates. The rates paid on certificates of deposit by the Company remain competitive with rates paid by our competition.
44
2015
Total deposits increased $214.1 million in 2015, or 27.7%.  The primary driver of the increase was the acquisition of FNB, which resulted in an increase in deposits of $225.2 million. Excluding the acquisition, deposits decreased $11.1 million with the largest driver of the decrease being a decrease in public deposits. This was due to the fact that the Commonwealth of Pennsylvania had not passed a budget for the 2015-2016 fiscal year and as a result was not passing funds through to local public governments who maintain their deposit accounts with the Company.
Excluding the acquisition, non-interest bearing deposits increased $6.9 million in 2015.  As a percentage of total deposits, non-interest bearing deposits totaled 15.3% as of the end of 2015, which compares to 12.3% at the end of 2014 with the increase being driven by the acquisition of FNB.
Excluding the acquisition, NOW accounts decreased by $16.4 million, money market deposit accounts decreased by $2.7 million and savings deposits increased $10.7 million since the end of 2014.  The primary cause of the decrease in NOW accounts and money market accounts was the Pennsylvania budget stalemate described previously.
Excluding the impact of the acquisition, certificates of deposits decreased in 2015 by a total of $9.5 million. During 2015 the Company continued to pay historically low rates on certificates of deposits, which resulted in the Company's customers looking for other investment alternatives and liquidity.

Remaining maturities of certificates of deposit of $100,000 or more are as follows (dollars in thousands) at December 31:
 
  
2016
    
2015
    
2014
  
3 months or less
  
$
13,402
    
$
17,475
    
$
13,036
  
Over 3 months through 6 months
    
10,299
      
11,804
      
13,908
  
Over 6 months through 12 months
    
41,481
      
27,226
      
28,042
  
Over 12 months
    
59,324
      
69,875
      
57,211
  
Total
  
$
124,506
    
$
126,380
    
$
112,197
  
As a percent of total
                        
  certificates of deposit
    
47.05
%
    
44.83
%
    
45.10
%
Interest expense on certificates of deposit of $100,000 or more amounted to  $1,415,000, $1,406,000 and $1,379,000 for the years ended December 31, 2016, 2015, and 2014, respectively.
Deposits by type of depositor are as follows (dollars in thousands) at December 31:
 
  
2016
    
2015
    
2014
  
 
  
Amount
    
%
    
Amount
    
%
    
Amount
    
%
  
Individuals
  
$
624,030
      
62.0
    
$
634,109
      
64.2
    
$
468,595
      
60.5
  
Businesses and other organizations
    
200,718
      
20.0
      
193,527
      
19.6
      
149,983
      
19.4
  
State & political subdivisions
    
180,755
      
18.0
      
160,395
      
16.2
      
155,355
      
20.1
  
Total
  
$
1,005,503
      
100.0
    
$
988,031
      
100.0
    
$
773,933
      
100.0
  
45
Borrowed Funds
2016
Borrowed funds increased $38.0 million during 2016. The increase was associated with an increase of $39.7 million of short term borrowings from the FHLB, which was used to fund the organic loan growth experienced by the Bank in 2016. The increase was offset by a decrease of $1.7 in repurchase agreements. Term loans totaled $16.5 million as of December 31, 2016 and 2015 (see Note 9 of the consolidated financial statements for additional information).  Management continually monitors interest rates in order to minimize interest rate risk in future years and as part of this may extend some of the short term borrowings via term notes. Short term borrowings from the FHLB were $41.3 million as of December 21, 2016 compared to $1.6 million as of December 31, 2015.
2015
Borrowed funds decreased $168,000 during 2015. The decrease was associated with a decrease of $15.0 million of short term borrowings from the FHLB, which was offset by an increase of $10.1 in repurchase agreements and a $4.7 million increase in long term borrowings. Term loans increased from $11.8 million as of December 31, 2014 to $16.5 million as of December 31, 2015 (see Note 9 of the consolidated financial statements for additional information).  Due to the rate environment in 2015, and as a strategy to manage interest rate risk against the potential for rising rates in future years, the Company borrowed $4.7 million of long term loans at favorable rates. Short term borrowings from the FHLB were $1.6 million as of December 21, 2015 compared to $16.6 million as of December 31, 2014.
Other Liabilities
2016
Other liabilities increased $1.0 million during 2016, or 8.08%. The primary driver of this increase was a contract enhancement payment, which will be recognized over the life of the contract of five years, which had a balance at December 31, 2016 of $1.3 million.
2015
Other liabilities increased $4.8 million during 2015, or 59.7%. The primary driver of this increase was the acquisition of FNB, which resulted in an increase in pension liabilities of $2.3 million, other post-retirement benefits of $1.3 million and other liabilities of approximately $1.0 million.
Stockholders' Equity
We evaluate stockholders' equity in relation to total assets and the risk associated with those assets. The greater our capital resources, the greater the likelihood of meeting our cash obligations and absorbing unforeseen losses.  For these reasons, capital adequacy has been, and will continue to be, of paramount importance.  Due to its importance, we develop a capital plan and stress test capital levels using various techniques and assumptions annually to ensure that in the event of unforeseen circumstances, we would remain in compliance with our capital plan approved by the Board of Directors and regulatory requirement levels.
Our Board of Directors determines our dividend rate after considering our capital requirements, current and projected net income, and other factors. In 2016 and 2015, the Company paid out 44.1% and 46.0% of net income in dividends, respectively. The dividend paid in 2015 included special dividend of $0.10 per share, respectively, which was paid in the third quarter of 2015. There were no special dividends in 2016
46
As of December 31, 2016, the total number of common shares outstanding was 3,319,704. For comparative purposes, outstanding shares for prior periods were adjusted for the June 2016 stock dividend in computing earnings and cash dividends per share as detailed in Note 1 of the consolidated financial statements. During 2016, we purchased 66,110 shares of treasury stock at a weighted average cost of $48.82 per share. The Company awarded 4,110 shares of restricted stock to employees and 1,016 shares to the Board of Directors under equity incentive programs.
There are currently four federal regulatory measures of capital adequacy. The Company's ratios meet the regulatory standards for well capitalized for 2016 and 2015, as detailed in Note 14 of the consolidated financial statements.
2016
Stockholders' equity increased 2.9% in 2016 to $123.3 million.  Excluding accumulated other comprehensive income, which is the after-tax effect of unrealized holding gains and losses on available-for-sale securities and additional pension obligation, stockholders' equity increased $4.7 million, or 3.9%. This increase is due to net income of $12,638,000, offset by net cash dividends of $5,081,000 and net treasury stock activity of $2,391,000. 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. Accumulated other comprehensive income decreased $1,156,000 from December 31, 2015 primarily as result of the decrease in the fair market value of the investment portfolio. Total stockholders' equity was approximately 10.08% of total assets as of December 31, 2016, compared to 10.30% of total assets as of December 31, 2015.
2015
Stockholders' equity increased 19.1% in 2015 to $119.8 million.  Excluding accumulated other comprehensive income, stockholders' equity increased $20.2 million, or 20.3%.  This increase is due to issuing 336,515 shares with a value of $16.0 million for the FNB acquisition, net income of $11.6 million, offset by net cash dividends of $5.2 million and the purchase of treasury stock of $2.5 million. Accumulated other comprehensive income (loss) decreased $1,003,000 from December 31, 2014 primarily as result of the decrease in the fair market value of the investment portfolio. Total equity was approximately 10.30% of total assets as of December 31, 2015, compared to 10.87% of total assets as of December 31, 2014.
LIQUIDITY
Liquidity is a measure of the Company's ability to efficiently meet normal cash flow requirements of both borrowers and depositors. Liquidity is needed to meet depositors' withdrawal demands, extend credit to meet borrowers' needs, provide funds for normal operating expenses and cash dividends, and fund future capital expenditures.
To maintain proper liquidity, we use funds management policies along with our investment and asset liability policies to assure we can meet our financial obligations to depositors, credit customers and stockholders.  Management monitors liquidity by reviewing loan demand, investment opportunities, deposit pricing and the cost and availability of borrowing funds. Additionally, the bank has established various limits and ratios to monitor liquidity. On a quarterly basis, we stress test our liquidity position to ensure that the Bank has the capability of meeting its cash flow requirements in the event of unforeseen circumstances. The Company's historical activity in this area can be seen in the Consolidated Statement of Cash Flows from investing and financing activities.
Cash generated by operating activities, investing activities and financing activities influences liquidity management. The most important source of funds is the deposits that are primarily core deposits (deposits from customers with other relationships). Short-term debt from the Federal Home Loan Bank supplements the Company's availability of funds as well as a line of credit arrangement with a corresponding bank.  Other sources of short-term funds include brokered CDs and the sale of loans, if needed.
47
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 detailed. Other significant uses of funds are capital expenditures, purchase of loans and acquisition premiums. Surplus funds are then invested in investment securities.
Capital expenditures in 2016 totaled $587,000, which included:
§
ATM upgrades totaling $329,000
§
Leasehold improvements to open the Mount Joy branch and the Winfield limited branch office totaling $137,000
§
Computer and copier upgrades totaling $98,000
§
Bank vehicle replacement of $17,000
Capital expenditures in 2015 totaled $776,000, which included:
§
Completion of the Mill Hall branch construction and equipment for the branch totaling $488,000
§
Signage for buildings acquired in the acquisition of $30,700
§
Computer and copier upgrades totaling $62,900
§
Bank vehicle replacement of $24,500
§
Card pinning machines for various branches totaling $27,200
§
ATM upgrades totaling $20,000

We expect these expenditures will allow us to support our growth initiatives over the next decade, create greater operating efficiency and provide the customer with higher quality banking services.  
In addition to the Bank's cash balances, the Bank achieves additional liquidity primarily from its investment in the FHLB of Pittsburgh and the resulting borrowing capacity obtained through this investment, investments that mature in less than one year and expected principal repayments from mortgage backed securities.  The Bank has a maximum borrowing capacity at the Federal Home Loan Bank of approximately $343.2 million, inclusive of any outstanding amounts, as a source of liquidity.  The Bank also has a federal funds line with a third party provider in the amount of $10.0 million as of December 31, 2016, which is unsecured and a borrower in custody agreement was established with the FRB in the amount of $4.4 million, which is collateralized by $15.6 million of municipal loans.
The Company is a separate legal entity from the Bank and must provide for its own liquidity.  In addition to its operating expenses, the Company is responsible for paying any dividends declared to its shareholders.  The Company also has repurchased shares of its common stock.  The Company's primary source of income is dividends received from the Bank.  The Bank may not declare a dividend without approval of the FRB, 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.  In addition, the Bank can only pay dividends to the extent that its retained net profits (including the portion transferred to surplus) exceed its bad debts.  The FRB, the OCC, the PDB 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 December 31, 2016, the Company (unconsolidated basis) had liquid assets of $2.2 million.
CONTRACTUAL OBLIGATIONS
The Company has various financial obligations, including contractual obligations which may require cash payments. The following table presents as of December 31, 2016, significant fixed and determinable contractual obligations to third parties by payment date. Further discussion of the obligations can be found in Notes 8, 9 and 16 to the Consolidated Financial Statements.
48
 
  
One year
    
One to
    
Three to
    
Over Five
        
Contractual Obligations
  
or Less
    
Three Years
    
Five Years
    
Years
    
Total
  
Deposits without a stated maturity
  
$
740,889
    
$
-
    
$
-
    
$
-
    
$
740,889
  
Time deposits
    
128,641
      
83,395
      
47,623
      
4,955
      
264,614
  
FHLB Advances
    
41,330
      
-
      
-
      
-
      
41,330
  
Long-term borrowings - FHLB
    
2,000
      
3,000
      
6,800
      
4,725
      
16,525
  
Note Payable
    
7,500
      
-
      
-
      
-
      
7,500
  
Repurchase agreements
    
13,203
      
-
      
1,104
      
-
      
14,307
  
Operating leases
    
251
      
512
      
256
      
241
      
1,260
  
Total    
  
$
933,814
    
$
86,907
    
$
55,783
    
$
9,921
    
$
1,086,425
  
OFF-BALANCE SHEET ARRANGEMENTS
In the normal course of operations, we engage in a variety of financial transactions that, in accordance with generally accepted accounting principles are not recorded in our financial statements. These transactions involve, to varying degrees, elements of credit, interest rate and liquidity risk. Such transactions are used primarily to manage customers' requests for funding and take the form of loan commitments, unused lines of credit and letters of credit. For information about our loan commitments, unused lines of credit and letters of credit, see Note 15 of the notes to consolidated financial statements.
For the year ended December 31, 2016, we did not engage in any off-balance sheet transactions reasonably likely to have a material effect on our financial condition, results of operations or cash flows.
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, since the Company has no trading portfolio, it is not subject to trading risk.
At December 31, 2016, the Company had equity securities that represent only 0.9% of our investment portfolio, and therefore equity risk is not significant.
The primary factors that make assets interest-sensitive include adjustable-rate features on 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, repurchase agreements and short-term borrowings. Savings deposits, NOW accounts and money market investor accounts, with the exception of top interest tier money market and NOW accounts, are considered core deposits and are not short-term interest sensitive and therefore are included in the table below in the over five year column.  Top interest tier money market and NOW accounts are included in the table below in the within three month column.
The following table shows the cumulative static gap (at amortized cost) for various time intervals (dollars in thousands):
49





Maturity or Re-pricing of Company Assets and Liabilities as of December 31, 2016
  
 
  
Within
    
Four to
    
One to
    
Two to
    
Three to
    
Over
        
 
  
Three
    
Twelve
    
Two
    
Three
    
Five
    
Five
        
   
Months
    
Months
    
Years
    
Years
    
Years
    
Years
    
Total
  
Interest-earning assets:
                                          
Interest-bearing deposits at banks
  
$
900
    
$
744
    
$
2,480
    
$
3,232
    
$
499
    
$
-
    
$
7,855
  
Investment securities
    
34,903
      
45,132
      
69,996
      
76,690
      
67,983
      
15,514
      
310,218
  
Residential mortgage loans
    
32,514
      
49,078
      
44,303
      
31,285
      
35,679
      
14,179
      
207,038
  
Construction loans
    
3,895
      
11,163
      
10,383
      
-
      
-
      
-
      
25,441
  
Commercial and farm loans
    
147,371
      
56,866
      
78,166
      
54,341
      
103,349
      
18,135
      
458,228
  
Loans to state & political subdivisions
    
1,921
      
16,200
      
32,191
      
5,624
      
10,538
      
31,040
      
97,514
  
Other loans
    
2,996
      
2,517
      
2,208
      
1,175
      
1,053
      
1,441
      
11,390
  
Total interest-earning assets
  
$
224,500
    
$
181,700
    
$
239,727
    
$
172,347
    
$
219,101
    
$
80,324
    
$
1,117,684
  
Interest-bearing liabilities:
                                                        
NOW accounts
  
$
180,091
    
$
-
    
$
-
    
$
-
    
$
-
    
$
125,771
    
$
305,862
  
Savings accounts
    
-
      
-
      
-
      
-
      
-
      
170,722
      
170,722
  
Money Market accounts
    
102,013
      
-
      
-
      
-
      
-
      
14,867
      
116,880
  
Certificates of deposit
    
38,576
      
94,316
      
45,857
      
33,868
      
47,622
      
4,375
      
264,614
  
Short-term borrowing
    
54,533
      
-
      
-
      
-
      
-
      
-
      
54,533
  
Long-term borrowing
    
7,500
      
2,000
      
1,000
      
2,000
      
7,904
      
4,725
      
25,129
  
Total interest-bearing liabilities
  
$
382,713
    
$
96,316
    
$
46,857
    
$
35,868
    
$
55,526
    
$
320,460
    
$
937,740
  
Excess interest-earning
                                                        
  assets (liabilities)
  
$
(147,118
)
  
$
85,384
    
$
192,870
    
$
136,479
    
$
163,575
    
$
(240,151
)
        
Cumulative interest-earning assets
  
$
224,500
    
$
406,200
    
$
645,927
    
$
818,274
    
$
1,037,375
    
$
1,117,684
          
Cumulative interest-bearing liabilities
    
382,713
      
479,029
      
525,886
      
561,754
      
617,280
      
937,740
          
Cumulative gap
  
$
(158,213
)
  
$
(72,829
)
  
$
120,0416
    
$
256,520
    
$
420,095
    
$
179,944
          
Cumulative interest rate
                                                        
  sensitivity ratio (1)
    
0.59
      
0.85
      
1.23
      
1.46
      
1.68
      
1.19
          
 
                                                        
(1) Cumulative interest-earning assets divided by interest-bearing liabilities.
                                  
The previous table and the simulation models discussed below are presented assuming money market investment accounts and NOW accounts in the top interest rate tier are re-priced within the first three months. The loan amounts reflect the principal balances expected to be re-priced as a result of contractual amortization and anticipated early payoffs.
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 the Bank's net interest income because the re-pricing of certain assets and liabilities is discretionary and is subject to competition 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 Bank 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 Bank's risk exposure.  In this analysis, the Bank examines the results of movements in interest rates with additional assumptions made concerning the timing of interest rate changes, prepayment speeds on mortgage loans and mortgage securities and deposit pricing movements.   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 December 31, 2016 (dollars in thousands):
50

 
        
Change In
    
% Change In
  
 
  
Prospective One-Year
    
Prospective
    
Prospective
  
Changes in Rates
  
Net Interest Income
    
Net Interest Income
    
Net Interest Income
  
-100 Shock
  
$
38,080
    
$
(890
)
    
(2.28
)
Base
    
38,970
                  
+100 Shock
    
38,261
      
(709
)
    
(1.82
)
+200 Shock
    
37,447
      
(1,523
)
    
(3.91
)
+300 Shock
    
36,468
      
(2,502
)
    
(6.42
)
+400 Shock
    
35,373
      
(3,597
)
    
(9.23
)
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. The projections above utilize a static balance sheet and do not include any changes that may result from the growth of the Bank. Management has developed policy limits for acceptable changes in net interest income for multiple scenarios, including shock scenarios. As of December 31, 2016, changes in net interest income projected for all scenarios, including the shock scenarios noted above are in line with Bank policy limits for interest rate risk.
CRITICAL ACCOUNTING POLICIES
 The Company's accounting policies are integral to understanding the results reported.  The accounting policies are described in detail in Note 1 of the consolidated financial statements.  Our most complex accounting policies require management's judgment to ascertain the valuation of assets, liabilities, commitments and contingencies.  We have established detailed policies and control procedures that are intended to ensure valuation methods are well controlled and applied consistently from period to period.   In addition, the policies and procedures are intended to ensure that the process for changing methodologies occurs in an appropriate manner.  The following is a brief description of our current accounting policies involving significant management valuation judgments.
Other than Temporary Impairment
 All securities are evaluated periodically to determine whether a decline in their value is other than temporary and is a matter of judgment.  For debt securities, 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.
Allowance for Loan Losses
Arriving at an adequate level of allowance for loan losses involves a high degree of judgment.  The Company's allowance for loan losses provides for probable losses based upon evaluations of known and inherent risks in the loan portfolio.
51
Management uses historical information to assess the adequacy of the allowance for loan losses as well as the prevailing business environment; as it is affected by changing economic conditions and various external factors, which may impact the portfolio in ways currently unforeseen.  This evaluation is inherently subjective as it requires significant estimates that may be susceptible to significant change, subjecting the Bank to volatility of earnings.  The allowance is increased by provisions for loan losses and by recoveries of loans previously charged-off and reduced by loans charged-off.  For a full discussion of the Company's methodology of assessing the adequacy of the reserve for loan losses, refer to Note 1 of the consolidated financial statements.
Goodwill and Other Intangible Assets
As discussed in Note 1 of the consolidated financial statements, the Company must assess goodwill and other intangible assets each year for impairment.  This assessment involves estimating the fair value of the Company's reporting units.  If the fair value of the reporting unit is less than its carrying value including goodwill, we would be required to take a charge against earnings to write down the assets to the lower value.
Pension Benefits
Pension costs and liabilities are dependent on assumptions used in calculating such amounts.  These assumptions include discount rates, benefits earned, interest costs, expected return on plan assets, mortality rates, and other factors.  In accordance with GAAP, actual results that differ from the assumptions are accumulated and amortized over future periods and, therefore, generally affect recognized expense and the recorded obligation of future periods.  While management believes that the assumptions used are appropriate, differences in actual experience or changes in assumptions may affect the Company's pension obligations and future expense.  Our pension benefits are described further in Note 10 of the "Notes to Consolidated Financial Statements."
Deferred Tax Assets
We use an estimate of future earnings to support our position that the benefit of our deferred tax assets will be realized. If future income should prove non-existent or less than the amount of the deferred tax assets within the tax years to which they may be applied, the asset may not be realized and our net income will be reduced. Management also evaluates deferred tax assets to determine if it is more likely than not that the deferred tax benefit will be utilized in future periods.  If not, a valuation allowance is recorded.  Our deferred tax assets are described further in Note 11 of the consolidated financial statements.
ITEM 7A – QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK.
This information is included under Item 7, "Management's Discussion and Analysis of Financial Condition and Results of Operations – Interest Rate and Market Risk Management", appearing in this Annual Report on Form 10-K.
52
ITEM 8 - FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.



Citizens Financial Services, Inc.
  
Consolidated Balance Sheet
  
       
December 31,
  
(in thousands, except share data)
    
2016
    
2015
  
ASSETS:
              
Cash and cash equivalents:
              
 
Noninterest-bearing
    
$
16,854
    
$
14,088
  
 
Interest-bearing
      
900
      
10,296
  
Total cash and cash equivalents
      
17,754
      
24,384
  
Interest bearing time deposits with other banks
      
6,955
      
7,696
  
Available-for-sale securities
      
314,017
      
359,737
  
Loans held for sale
      
1,827
      
603
  
Loans (net of allowance for loan losses:
                  
 
2016,
 $8,886; 2015, $7,106
)
    
790,725
      
687,925
  
Premises and equipment, net
      
17,030
      
17,263
  
Accrued interest receivable
      
4,089
      
4,211
  
Goodwill
      
21,089
      
21,089
  
Bank owned life insurance
      
26,223
      
25,535
  
Other intangibles
      
2,096
      
2,437
  
Unsettled security sales
      
7,759
      
-
  
Other assets
      
13,454
      
12,104
  
TOTAL ASSETS
    
$
1,223,018
    
$
1,162,984
  
LIABILITIES:
                  
Deposits:
                  
 
Noninterest-bearing
    
$
147,425
    
$
150,960
  
 
Interest-bearing
      
858,078
      
837,071
  
Total deposits
      
1,005,503
      
988,031
  
Borrowed funds
      
79,662
      
41,631
  
Accrued interest payable
      
720
      
734
  
Other liabilities
      
13,865
      
12,828
  
TOTAL LIABILITIES
      
1,099,750
      
1,043,224
  
STOCKHOLDERS' EQUITY:
                  
Preferred Stock $1.00 par value; authorized 3,000,000 shares
                  
2016 and 2015; none issued in 2016 or 2015
      
-
      
-
  
Common Stock
                  
 
$1.00 par value; authorized 15,000,000 shares 2016 and 2015;
                  
 
issued 3,704,375 and 3,671,751 shares in 2016 and 2015,
                  
 
respectively
      
3,704
      
3,672
  
Additional paid-in capital
      
42,250
      
40,715
  
Retained earnings
      
91,278
      
85,790
  
Accumulated other comprehensive loss
      
(1,392
)
    
(236
)
Treasury stock, at cost:
                  
 
384,671 and 335,876 shares for 2016 and 2015, respectively
      
(12,572
)
    
(10,181
)
TOTAL STOCKHOLDERS' EQUITY
      
123,268
      
119,760
  
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY
    
$
1,223,018
    
$
1,162,984
  
See accompanying notes to consolidated financial statements.
                  

 
53

Citizens Financial Services, Inc.
  
Consolidated Statement of Income
  
Year Ended December 31,
  
(in thousands, except per share data)
  
2016
    
2015
    
2014
  
INTEREST AND DIVIDEND INCOME:
                  
Interest and fees on loans
  
$
35,844
    
$
29,039
    
$
28,324
  
Interest-bearing deposits with banks
    
221
      
142
      
82
  
Investment securities:
                        
Taxable
    
3,687
      
3,102
      
3,337
  
Nontaxable
    
2,970
      
3,152
      
3,354
  
Dividends
    
283
      
218
      
194
  
TOTAL INTEREST AND DIVIDEND INCOME
    
43,005
      
35,653
      
35,291
  
INTEREST EXPENSE:
                        
Deposits
    
4,247
      
4,113
      
4,347
  
Borrowed funds
    
794
      
707
      
606
  
TOTAL INTEREST EXPENSE
    
5,041
      
4,820
      
4,953
  
NET INTEREST INCOME
    
37,964
      
30,833
      
30,338
  
Provision for loan losses
    
1,520
      
480
      
585
  
NET INTEREST INCOME AFTER PROVISION FOR
                        
LOAN LOSSES
    
36,444
      
30,353
      
29,753
  
NON-INTEREST INCOME:
                        
Service charges
    
4,461
      
4,126
      
4,297
  
Trust
    
693
      
673
      
688
  
Brokerage and insurance
    
766
      
720
      
567
  
Investment securities gains, net
    
255
      
429
      
616
  
Gains on loans sold
    
449
      
404
      
236
  
Earnings on bank owned life insurance
    
688
      
628
      
507
  
Other
    
587
      
443
      
445
  
TOTAL NON-INTEREST INCOME
    
7,899
      
7,423
      
7,356
  
NON-INTEREST EXPENSES:
                        
Salaries and employee benefits
    
16,410
      
12,504
      
11,505
  
Occupancy
    
1,900
      
1,424
      
1,287
  
Furniture and equipment
    
644
      
506
      
362
  
Professional fees
    
1,094
      
846
      
820
  
Federal depository insurance
    
572
      
464
      
461
  
Pennsylvania shares tax
    
690
      
713
      
686
  
Amortization of intangibles
    
327
      
-
      
-
  
Merger and acquisition
    
-
      
1,103
      
237
  
ORE expenses
    
389
      
969
      
299
  
Other
    
6,645
      
4,900
      
4,508
  
TOTAL NON-INTEREST EXPENSES
    
28,671
      
23,429
      
20,165
  
Income before provision for income taxes
    
15,672
      
14,347
      
16,944
  
Provision for income taxes
    
3,034
      
2,721
      
3,559
  
NET INCOME
  
$
12,638
    
$
11,626
    
$
13,385
  
PER COMMON SHARE DATA:
                        
NET INCOME - BASIC
  
$
3.78
    
$
3.79
    
$
4.36
  
NET INCOME - DILUTED
  
$
3.78
    
$
3.79
    
$
4.36
  
CASH DIVIDENDS PER SHARE
  
$
1.66
    
$
1.71
    
$
2.15
  
 
                        
Number of shares used in computation - basic
    
3,341,933
      
3,063,906
      
3,070,922
  
Number of shares used in computation - diluted
    
3,343,489
      
3,065,266
      
3,072,217
  
Per share data has been restated to reflect a 1% stock dividend paid on June 30, 2016
                  
See accompanying notes to consolidated financial statements.
                  
54

Citizens Financial Services, Inc.
  
Consolidated Statement of Changes in Comprehensive Income
  
Year Ended December 31,
  
                   
(in thousands)
  
2016
    
2015
    
2014
  
Net Income
  
$
12,638
    
$
11,626
    
$
13,385
  
                         
Other Comprehensive income (loss)
                        
  Securities available for sale
                        
       Unrealized holding gain (loss) during the period
    
(1,105
)
    
(920
)
    
5,465
  
       Income tax benefit
    
375
      
314
      
(1,857
)
     
(730
)
    
(606
)
    
3,608
  
       Reclassification adjustment for gains
                        
             included in income
    
(255
)
    
(429
)
    
(616
)
       Income tax benefit
    
87
      
146
      
209
  
     
(168
)
    
(283
)
    
(407
)
                         
  Change in unrecognized pension costs
    
(391
)
    
(172
)
    
(1,832
)
       Income tax benefit
    
133
      
58
      
623
  
     
(258
)
    
(114
)
    
(1,209
)
                         
Net other comprehensive income (loss)
    
(1,156
)
    
(1,003
)
    
1,992
  
Comprehensive income
  
$
11,482
    
$
10,623
    
$
15,377
  
                         
See accompanying notes to consolidated financial statements.
                        


55
 

Citizens Financial Services, Inc.
  
Consolidated Statement of Changes in Stockholders' Equity
  
                           
Accumulated
              
               
Additional
          
Other
              
   
Common Stock
    
Paid-in
    
Retained
    
Comprehensive
    
Treasury
        
(in thousands, except share data)
  
Shares
    
Amount
    
Capital
    
Earnings
    
Income (Loss)
    
Stock
    
Total
  
Balance, December 31, 2013
    
3,305,517
    
$
3,306
    
$
23,562
    
$
74,325
    
$
(1,225
)
  
$
(7,912
)
  
$
92,056
  
Comprehensive income:
                                                        
Net income
                            
13,385
                      
13,385
  
Net other comprehensive income
                                    
1,992
              
1,992
  
Stock dividend
    
29,719
      
29
      
1,568
      
(1,597
)
                    
-
  
Purchase of treasury stock (15,474 shares)
                                            
(814
)
    
(814
)
Restricted stock and Board of Director awards
                    
(189
)
                    
19
      
(170
)
Restricted stock vesting
                    
200
                              
200
  
Cash dividend reinvestment paid from treasury stock
                    
9
      
(480
)
            
471
      
-
  
Cash dividends, $2.15 per share
                            
(6,121
)
                    
(6,121
)
Balance, December 31, 2014
    
3,335,236
      
3,335
      
25,150
      
79,512
      
767
      
(8,236
)
    
100,528
  
 
                                                        
Comprehensive income:
                                                        
Net income
                            
11,626
                      
11,626
  
Net other comprehensive loss
                                    
(1,003
)
            
(1,003
)
Stock issued for acquisition
    
336,515
      
337
      
15,647
                              
15,984
  
Purchase of treasury stock (49,465 shares)
                                            
(2,455
)
    
(2,455
)
Restricted stock and Board of Director awards
                    
(256
)
                    
308
      
52
  
Restricted stock vesting
                    
179
                              
179
  
Forfeited restricted stock
                    
7
                      
(7
)
    
-
  
Cash dividend reinvestment paid from treasury stock
                    
(12
)
    
(197
)
            
209
      
-
  
Cash dividends, $1.71 per share
                            
(5,151
)
                    
(5,151
)
Balance, December 31, 2015
    
3,671,751
      
3,672
      
40,715
      
85,790
      
(236
)
    
(10,181
)
    
119,760
  
 
                                                        
Comprehensive income:
                                                        
Net income
                            
12,638
                      
12,638
  
Net other comprehensive loss
                                    
(1,156
)
            
(1,156
)
Stock dividend
    
32,624
      
32
      
1,542
      
(1,574
)
                    
-
  
Purchase of treasury stock (66,110 shares)
                                            
(3,227
)
    
(3,227
)
Restricted stock, executive  and Board of Director awards
                    
(197
)
                    
288
      
91
  
Restricted stock vesting
                    
184
                              
184
  
Reissuance of treasury stock for employee stock purchase plan
                    
(1
)
                    
60
      
59
  
Forfeited restricted stock
                    
4
                      
(4
)
    
-
  
Cash dividend reinvestment paid from treasury stock
                    
3
      
(495
)
            
492
      
-
  
Cash dividends, $1.66 per share
                            
(5,081
)
                    
(5,081
)
Balance, December 31, 2016
    
3,704,375
    
$
3,704
    
$
42,250
    
$
91,278
    
$
(1,392
)
  
$
(12,572
)
  
$
123,268
  
                                                         
Per share data has been restated to reflect a 1% stock dividend paid on June 30, 2016
  
See accompanying notes to consolidated financial statements.
    		                                                


56


Citizens Financial Services, Inc.
  
Consolidated Statement of Cash Flows
  
 
  
Year Ended December 31,
  
(in thousands)
  
2016
    
2015
    
2014
  
Cash Flows from Operating Activities:
                  
  Net income
  
$
12,638
    
$
11,626
    
$
13,385
  
  Adjustments to reconcile net income to net
                        
    cash provided by operating activities:
                        
      Provision for loan losses
    
1,520
      
480
      
585
  
      Depreciation and amortization
    
320
      
464
      
472
  
      Amortization and accretion on investment securities
    
2,302
      
2,057
      
2,133
  
      Deferred income taxes
    
362
      
(192
)
    
478
  
      Investment securities gains, net
    
(255
)
    
(429
)
    
(616
)
      Earnings on bank owned life insurance
    
(688
)
    
(628
)
    
(507
)
      Stock awards
    
284
      
179
      
200
  
      Originations of loans held for sale
    
(22,237
)
    
(18,945
)
    
(11,129
)
      Proceeds from sales of loans held for sale
    
21,462
      
19,243
      
11,146
  
      Realized gains on loans sold
    
(449
)
    
(404
)
    
(236
)
      (Increase) decrease in accrued interest receivable
    
122
      
(285
)
    
84
  
      Decrease in accrued interest payable
    
(14
)
    
(36
)
    
(139
)
      Other, net
    
827
      
(319
)
    
322
  
      Net cash provided by operating activities
    
16,194
      
12,811
      
16,178
  
Cash Flows from Investing Activities:
                        
  Available-for-sale securities:
                        
    Proceeds from sales of available-for-sale securities
    
22,372
      
30,464
      
28,989
  
    Proceeds from maturity and principal repayments of securities
    
67,782
      
48,103
      
41,756
  
    Purchase of securities
    
(55,600
)
    
(111,304
)
    
(56,257
)
  Proceeds from redemption of Regulatory Stock
    
1,556
      
4,476
      
4,706
  
  Purchase of Regulatory Stock
    
(3,403
)
    
(3,879
)
    
(2,815
)
  Net increase in loans
    
(103,915
)
    
(25,981
)
    
(15,331
)
  Purchase of interest bearing time deposits
    
-
      
(500
)
    
(3,480
)
  Proceeds from matured interest bearing time deposits with other banks
    
744
      
-
      
-
  
  Purchase of bank owned life insurance
    
-
      
-
      
(5,123
)
  Purchase of premises, equipment and software
    
(587
)
    
(776
)
    
(1,309
)
  Proceeds from sale of foreclosed assets held for sale
    
973
      
565
      
647
  
  Acquisition, net of cash paid
    
-
      
77,895
      
-
  
      Net cash (used in) provided by investing activities
    
(70,078
)
    
19,063
      
(8,217
)
Cash Flows from Financing Activities:
                        
  Net (decrease) increase in deposits
    
17,472
      
(11,132
)
    
25,617
  
  Proceeds from long-term borrowings
    
543
      
5,291
      
6,820
  
  Repayments of long-term borrowings
    
(534
)
    
(700
)
    
(4,200
)
  Net increase (decrease) in short-term borrowed funds
    
38,022
      
(4,759
)
    
(27,753
)
  Purchase of treasury stock
    
(3,227
)
    
(2,455
)
    
(814
)
  Purchase of restricted stock
    
-
      
(7
)
    
(170
)
  Reissuance of treasury stock to employee stock purchase plan
    
59
      
-
      
-
  
  Dividends paid
    
(5,081
)
    
(5,151
)
    
(6,121
)
      Net cash provided by (used in) financing activities
    
47,254
      
(18,913
)
    
(6,621
)
          Net (decrease) increase  in cash and cash equivalents
    
(6,630
)
    
12,961
      
1,340
  
Cash and Cash Equivalents at Beginning of Year
    
24,384
      
11,423
      
10,083
  
Cash and Cash Equivalents at End of Year
  
$
17,754
    
$
24,384
    
$
11,423
  
 
57
 
                        
Supplemental Disclosures of Cash Flow Information:
                        
      Interest paid
  
$
5,055
    
$
4,841
    
$
5,092
  
      Income taxes paid
  
$
2,475
    
$
3,375
    
$
2,835
  
      Non-cash activities:
                        
        Stock dividend
  
$
1,574
    
$
-
    
$
1,597
  
        Real estate acquired in settlement of loans
  
$
599
    
$
323
    
$
1,095
  
        Real estate transferred from other assets
  
$
-
    
$
-
    
$
549
  
        Investments sold and not settled included in other assets
  
$
7,759
    
$
-
    
$
-
  
 
                        
Acquisition of The First National Bank of Fredericksburg
                        
      Non-cash assets acquired
                        
            Available-for-sale securities
  
$
-
      $
23,831
    
$
-
  
            Interest bearing time deposits with other banks
    
-
      
1,236
      
-
  
            Loans
    
-
      
115,211
      
-
  
            Premises and equipment
    
-
      
4,743
      
-
  
            Accrued interest receivable
    
-
      
282
      
-
  
            Bank owned life insurance
    
-
      
4,598
      
-
  
            Intangibles
    
-
      
1,981
      
-
  
            Deferred tax asset
    
-
      
2,979
      
-
  
            Other assets
    
-
      
2,332
      
-
  
            Goodwill
    
-
      
10,833
      
-
  
 
    
-
      
168,026
      
-
  
 
                        
      Liabilities assumed
                        
           Noninterest-bearing deposits
    
-
      
71,971
      
-
  
           Interest-bearing deposits
    
-
      
153,259
      
-
  
           Accrued interest payable
    
-
      
14
      
-
  
           Other liabilities
    
-
      
4,693
      
-
  
 
    
-
      
229,937
      
-
  
      Net non-cash liabilities acquired
    
-
      
(61,911
)
    
-
  
      Cash and cash equivalents acquired
  
$
-
    
$
83,514
    
$
-
  
 
                        
See accompanying notes to consolidated financial statements.
                        


58

CITIZENS FINANCIAL SERVICES, INC.
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Business and Organization
Citizens Financial Services, Inc. (individually and collectively, the "Company") is headquartered in Mansfield, Pennsylvania, and provides a full range of banking and related services through its wholly owned subsidiary, First Citizens Community  Bank (the "Bank"), and its wholly owned subsidiary, First Citizens Insurance Agency, Inc.  On December 11, 2015, the Company completed its acquisition of The First National Bank of Fredericksburg (FNB). As of December 31, 2016, the Bank operates twenty five full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks and Schuylkill counties, Pennsylvania and Allegany County, New York and one limited branch office in Union county, Pennsylvania. The Bank also provides trust services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, along with a brokerage division that provides a comprehensive menu of investment services. The Bank serves individual and corporate customers and is subject to competition from other financial institutions and intermediaries with respect to these services.  The Company and Bank are supervised by the Board of Governors of the Federal Reserve System, while the Bank is subject to additional regulation and supervision by the Pennsylvania Department of Banking.
A summary of significant accounting and reporting policies applied in the presentation of the accompanying financial statements follows:
Basis of Presentation
The financial statements are consolidated to include the accounts of the Company and its subsidiary, First Citizens Community Bank, and its subsidiary, First Citizens Insurance Agency, Inc.  These statements have been prepared in accordance with U.S. generally accepted accounting principles.  All significant inter-company accounts and transactions have been eliminated in the consolidated financial statements.
Use of Estimates
In preparing the financial statements, management makes estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses for the period.  Actual results could differ significantly from those estimates.  Material estimates that are particularly susceptible to significant change relate to determination of the allowance for loan losses and deferred tax assets and liabilities.
Operating Segments
An operating segment is defined as a component of an enterprise that engages in business activities that generates revenue and incurs expense, and the operating results of which are reviewed by the chief operating decision maker in the determination of resource allocation and performance.  While the Company's chief decision makers monitor the revenue streams of the various Company's products and services, operations are managed and financial performance is evaluated on a Company-wide basis.  Consistent with our internal reporting, the Company's business activities are reported as one segment, which is community banking.

59
Cash and Cash Equivalents
Cash equivalents include cash on hand, deposits in banks and interest-earning deposits.  Interest-earning deposits with original maturities of 90 days or less are considered cash equivalents. Net cash flows are reported for loans, deposits and short term borrowing transactions.
Interest bearing time deposits with other banks are not included with cash and cash equivalents as the original maturities were greater than 90 days.
Investment Securities
Investment securities at the time of purchase are classified as one of the three following types:
Held-to-Maturity Securities - Includes securities that the Company has the positive intent and ability to hold to maturity. These securities are reported at amortized cost. The Company had no held-to-maturity securities as of December 31, 2016 and 2015.
Trading Securities - Includes debt and equity securities bought and held principally for the purpose of selling them in the near term. Such securities are reported at fair value with unrealized holding gains and losses included in earnings. The Company had no trading securities as of December 31, 2016 and 2015.
Available-for-Sale Securities - Includes debt and equity securities not classified as held-to-maturity or trading securities that will be held for indefinite periods of time. These securities may be sold in response to changes in market interest or prepayment rates, needs for liquidity and changes in the availability of and yield of alternative investments.  Such securities are reported at fair value, with unrealized holding gains and losses excluded from earnings and reported as a separate component of stockholders' equity, net of estimated income tax effect.
The amortized cost of investment in debt securities is adjusted for amortization of premiums and accretion of discounts, computed by a method that results in a level yield. Gains and losses on the sale of investment securities are computed on the basis of specific identification of the adjusted cost of each security.
Securities are periodically reviewed for other-than-temporary impairment. For debt securities, management considers whether the present value of future 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. A decline in value that is considered to be other-than-temporary is recorded as a loss within non-interest income in the Consolidated Statement of Income.
Common stock of the Federal Reserve Bank, Federal Home Loan Bank of Pittsburgh (FHLB) and correspondent banks represent ownership in institutions which are wholly owned by other financial institutions. These equity securities are accounted for at cost and are classified as other assets.
60
The fair value of investments, except certain state and municipal securities, is based on bid prices published in financial newspapers or bid quotations received from securities dealers. The fair value of certain state and municipal securities is not readily available through market sources other than dealer quotations, so fair value is based on quoted market prices of similar instruments, adjusted for differences between the quoted instruments and the instruments being valued.
Loans Held for Sale
Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management's intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value.
Loans
Interest on all loans is recognized on the accrual basis based upon the principal amount outstanding. The accrual of interest income on loans is discontinued when, in the opinion of management, doubt exists as to the ability to collect such interest. Payments received on non-accrual loans are applied to the outstanding principal balance or recorded as interest income, depending upon our assessment of our ultimate ability to collect principal and interest.  Loans are returned to the accrual status when factors indicating doubtful collectability cease to exist.
The Company recognizes nonrefundable loan origination fees and certain direct loan origination costs over the life of the related loan as an adjustment of loan yield using the interest method.
Allowance for Loan Losses
The allowance for loan losses represents the amount which management estimates is adequate to provide for probable losses inherent in its loan portfolio. The allowance method is used in providing for loan losses. Accordingly, all loan losses are charged to the allowance and all recoveries are credited to it. The allowance for loan losses is established through a provision for loan losses which is charged to operations. The provision is based upon management's periodic evaluation of individual loans, the overall risk characteristics of the various portfolio segments, past experience with losses, the impact of economic conditions on borrowers, and other relevant factors. The estimates used in determining the adequacy of the allowance for loan losses are particularly susceptible to significant change in the near term.
Impaired loans are other commercial, other agricultural, municipal, agricultural real estate, commercial real estate loans and certain residential mortgages cross collateralized with commercial relationships for which it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. The Company individually evaluates such loans for impairment and does not aggregate loans by major risk classifications. The definition of "impaired loans" is not the same as the definition of "non-accrual loans," although the two categories overlap. The Company may choose to place a loan on non-accrual status due to payment delinquency or uncertain collectability, while not classifying the loan as impaired if the loan is not a commercial, agricultural, municipal or commercial real estate loan. Factors considered by management in determining impairment include payment status and collateral value. The amount of impairment for these types of impaired loans is determined by the difference between the present value of the expected cash flows related to the loan, using the original interest rate, and its recorded value; or, as a practical expedient in the case of a collateral dependent loan, the difference between the fair value of the collateral and the recorded amount of the loans.
Mortgage loans on one to four family properties and all consumer loans are large groups of smaller balance homogeneous loans and are measured for impairment collectively. Loans that experience insignificant payment delays, which is defined as 90 days or less, generally are not classified as impaired. Management determines the significance of payment delays on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the borrower's prior payment record, and the amount of shortfall in relation to the principal and interest owed.
61
The Company allocates the allowance based on the factors described below, which conform to the Company's loan classification policy. In reviewing risk within the Bank's loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The allowance for loan losses consists of amounts applicable to: (i) residential real estate loans; (ii) commercial real estate (iii) agricultural real estate loans; (iv) construction; (v) consumer loans; (vi) other commercial loans (vii) other agricultural loans and (viii) 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 for each risk category 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, 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 Bank'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 / CPI
§
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.
·
Existence and effect of any credit concentrations, and changes in the level of such concentrations
·
Any change in the level of board oversight
The Company analyzes its loan portfolio each quarter to determine the appropriateness of its allowance for loan losses.
Loan Charge-off Policies
Consumer loans are generally fully or partially charged down to the fair value of collateral securing the asset when the loan is 180 days past due for open-end loans or 120 days past due for closed-end loans unless the loan is well secured and in the process of collection. All other loans are generally charged down to the net realizable value when the loan is 90 days past due.
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 either interest or principal, management measures any impairment on the restructuring as noted above for impaired loans. In addition to the allowance for the pooled portfolios, management has developed a separate allowance for loans that are identified as impaired through a TDR. TDRs are excluded from pooled loss forecasts and a separate reserve is provided under the accounting guidance for loan impairment.
62
Purchased Credit Impaired Loans
The Company purchased loans in connection with its acquisition of FNB in 2015, some of which showed evidence of credit deterioration as of the acquisition since origination. These purchased credit impaired (PCI) loans were recorded at the amount paid, such that there is no carryover of the seller's allowance for loan losses. After acquisition, losses are recognized by an increase in the allowance for loan losses. Over the life of the loan, expected cash flows continue to be estimated. If this subsequent estimated indicated that the present value of expected cash flows is less than the carrying amount, a charge to the allowance for loan loss is made through a provision. If the estimate indicates that the present value of the expected cash flows is greater than the carrying amount, it is recognized as part of future interest income.
Such purchased credit impaired loans are accounted for individually, and the Company estimates the amount and timing of expected cash flows for each loan. The expected cash flows in excess of the amount paid is recorded as interest income over the remaining life of the loan (accretable yield). The excess of the loan's contractual principal and interest over expected cash flows is not amortized over the remaining life of the loan (nonaccretable difference).
For loans purchased that did not show evidence of credit deterioration, the difference between the fair value of the loan at the acquisition date and the loan's face value is being amortized as a yield adjustment over the estimated remaining life of the loan using the effective interest method.
Foreclosed Assets Held For Sale
Foreclosed assets acquired in settlement of loans are carried at fair value, less estimated costs to sell. Prior to foreclosure, the value of the underlying loan is written down to fair market value of the real estate or other assets to be acquired by a charge to the allowance for loan losses, if necessary. Any subsequent write-downs are charged against operating expenses. Operating expenses of such properties, net of related income and losses on disposition, are included in other expenses and gains and losses are included in other non-interest income or other non-interest expense.
Premises and Equipment
Land is carried at cost. Premises and equipment are stated at cost, less accumulated depreciation. Depreciation expense is computed on straight line and accelerated methods over the estimated useful lives of the assets, which range from 3 to 15 years for furniture, fixtures and equipment and 5 to 40 years for building premises. Repair and maintenance expenditures which extend the useful life of an asset are capitalized and other repair expenditures are expensed as incurred.
When premises or equipment are retired or sold, the remaining cost and accumulated depreciation are removed from the accounts and any gain or loss is credited to income or charged to expense, respectively.
Intangible Assets
Intangible assets include core deposit intangibles, covenants not to compete and mortgage servicing rights (MSRs). Core deposit intangibles are a measure of the value of consumer demand and savings deposits acquired in business combinations accounted for as purchases. Covenants not to compete are payments made to former employees as compensation for agreeing not to work for competitors. The core deposit intangibles are being amortized over 10 years using the sum-of-the-years digits method of amortization, while the covenant not to compete is being amortized over four years on a straight line basis.
MSR's arose from the Company originating certain loans for the express purpose of selling such loans in the secondary market.  The Company maintains all servicing rights for these loans.  The loans held for sale are carried at lower of cost or market.  Originated MSRs are recorded by allocating total costs incurred between the loan and servicing rights based on their relative fair values.  MSRs are amortized in proportion to the estimated servicing income over the estimated life of the servicing portfolio and measured annually for impairment.
63
The recoverability of the carrying value of intangible assets is evaluated on an ongoing basis, and permanent declines in value, if any, are charged to expense.
Goodwill
The Company utilizes a two-step process for testing the impairment of goodwill on at least an annual basis.  This approach could cause more volatility in the Company's reported net income because impairment losses, if any, could occur irregularly and in varying amounts.  The Company may also perform a qualitative assessment to determine whether it is more likely than not that the fair value of the reporting unit is less than its carrying value. Based on the fair value of the reporting unit, no impairment of goodwill was recognized in 2016, 2015 or 2014.
Bank Owned Life Insurance
The Company has purchased life insurance policies on certain employees. Prior to January 1, 2015, the Company was the owner and sole beneficiary of the policies. Effective January 1, 2015, the insurance policies were restructured 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 these restructured agreements, the Bank receives the cash surrender value of the policy plus 50% of the benefit in excess of the cash surrender value and the remaining amount of the payout will be given to the beneficiary of the policy. Additionally, as a result of the acquisition of FNB, the Company acquired life insurance policies on former FNB employees and directors. The policies obtained as part of the acquisition provide a fixed dollar benefit to the former employee or director beneficiaries, whether or not the insured person is affiliated with the Company at the time of his or her death. Bank owned life insurance is recorded at its cash surrender value, or the amount that can be realized.  Increases in the cash surrender value are recognized as other non-interest income.  The obligation under an split-dollar benefit agreements to former employees and directors or their beneficiaries have been recognized as liabilities on the consolidated balance sheet.
Income Taxes
The Company and the Bank file a consolidated federal income tax return.  Deferred tax assets and liabilities are computed based on the difference between the financial statement basis and income tax basis of assets and liabilities using the enacted marginal tax rates.  Deferred income tax expenses or benefits are based on the changes in the net deferred tax asset or liability from period to period.
Employee Benefit Plans
The Company has noncontributory defined benefit pension plans covering employees hired before January 1, 2007 and employees acquired as part of the FNB acquisition. It is the Company's policy to fund pension costs on a current basis to the extent deductible under existing tax regulations. Such contributions are intended to provide not only for benefits attributed to service to date, but also for those expected to be earned in the future.
The Company has a defined contribution, 401(k) plan covering eligible employees. The employee may also contribute to the plan on a voluntary basis, up to a maximum percentage allowable not to exceed the limits of Code Sections 401(k).   Under the plan, the Company also makes contributions on behalf of eligible employees, which vest immediately. For employees hired after January 1, 2007, in lieu of the pension plan, an additional annual discretionary 401(k) plan contribution is made and is equal to a percentage of an employee's base compensation.
64
The Company also has a profit-sharing plan for employees which provide tax-deferred salary savings to plan participants.  The Company has a deferred compensation plan for directors who have elected to defer all or portions of their fees until their retirement or termination from service.
The Company has a restricted stock plan which covers eligible employees and non-employee corporate directors.  Under the plan, awards are granted based upon performance related requirements and are subject to certain vesting criteria.  Compensation cost related to restricted stock is recognized based on the market price of the stock at the grant date over the vesting period.
The Company has an employee stock purchase plan that allows employees to withhold money from their paychecks, which is then utilized to purchase shares of the Company's stock on either the open market or through treasury stock, if shares are unavailable on the open market.
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.  The SERP is considered an unfunded plan for tax and ERISA purposes and all obligations arising under the SERP are payable from the general assets of the Company.  Expenses under the SERP are recognized as earned over the expected years of service.
Advertising Costs
Advertising costs are generally expensed as incurred.
Comprehensive Loss
The Company is required to present comprehensive income in a full set of general purpose financial statements for all periods presented. Other comprehensive loss is comprised of unrealized holding gains (losses) on the available-for-sale securities portfolio and unrecognized pension costs.
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. Because the guidance does not apply to revenue associated with financial instruments, including loans and securities, we do not expect the new standard, or any of the amendments, to result in a material change from our current accounting for revenue because the majority of the Company's financial instruments are not within the scope of Topic 606.  However, we do expect that the standard will result in new disclosure requirements, which are currently being evaluated.
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.
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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. This Update is not expected to have a significant impact on the Company's consolidated financial statements.
In January 2016, the FASB issued ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10):  Recognition and Measurement of Financial Assets and Financial Liabilities.  This Update applies to all entities that hold financial assets or owe financial liabilities and is intended to provide more useful information on the recognition, measurement, presentation, and disclosure of financial instruments.  Among other things, this Update (a) requires equity investments (except those accounted for under the equity method of accounting or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income; (b) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; (c) eliminates the requirement to disclose the fair value of financial instruments measured at amortized cost for entities that are not public business entities; (d) eliminates the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; (e) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (f) requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (that is, securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; and (g) clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity's other deferred tax assets.  For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years.  For all other entities, including not-for-profit entities and employee benefit plans within the scope of Topics 960 through 965 on plan accounting, the amendments in this Update are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. All entities that are not public business entities may adopt the amendments in this Update earlier as of the fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842).  The standard requires lessees to recognize the assets and liabilities that arise from leases on the balance sheet.  A lessee should recognize in the statement of financial position a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term.  A short-term lease is defined as one in which (a) the lease term is 12 months or less and (b) there is not an option to purchase the underlying asset that the lessee is reasonably certain to exercise.  For short-term leases, lessees may elect to recognize lease payments over the lease term on a straight-line basis.  For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2018, and interim periods within those years.  For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, and for interim periods within fiscal years beginning after December 15, 2020.  The amendments should be applied at the beginning of the earliest period presented using a modified retrospective approach with earlier application permitted as of the beginning of an interim or annual reporting period.  The Company is currently assessing the practical expedients it may elect at adoption, but does not anticipate the amendments will have a significant impact to the financial statements. Based on the Company's preliminary analysis of its current portfolio, the impact to the Company's balance sheet is estimated to result in less than a 1% increase in assets and liabilities. The Company also anticipates additional disclosures to be provided at adoption.
66
In March 2016, the FASB issued ASU 2016-08, Revenue from Contracts with Customers (Topic 606). The amendments in this Update affect entities with transactions included within the scope of Topic 606, which includes entities that enter into contracts with customers to transfer goods or services (that are an output of the entity's ordinary activities) in exchange for consideration.  The amendments in this Update do not change the core principle of the guidance in Topic 606; they simply clarify the implementation guidance on principal versus agent considerations. The amendments in this Update are intended to improve the operability and understandability of the implementation guidance on principal versus agent considerations. The amendments in this Update affect the guidance in ASU 2014-09, Revenue from Contracts with Customers (Topic 606), which is not yet effective. The effective date and transition requirements for the amendments in this Update are the same as the effective date and transition requirements of Update 2014-09. ASU No. 2015-14, Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date, defers the effective date of Update 2014-09 by one year.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
In March 2016, the FASB issued ASU 2016-09, Compensation – Stock Compensation (Topic 718). The amendments in this Update affect all entities that issue share-based payment awards to their employees. The standards in this Update provide simplification for several aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as with equity or liabilities, and classification on the statement of cash flows. Some of the areas for simplification apply only to nonpublic entities. In addition to those simplifications, the amendments eliminate the guidance in Topic 718 that was indefinitely deferred shortly after the issuance of FASB Statement No. 123 (revised 2004), Share-Based Payment. This should not result in a change in practice because the guidance that is being superseded was never effective. For public business entities, the amendments in this Update are effective for annual periods beginning after December 15, 2016, and interim periods within those annual periods. For all other entities, the amendments are effective for annual periods beginning after December 15, 2017, and interim periods within annual periods beginning after December 15, 2018. Early adoption is permitted for any entity in any interim or annual period. The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
In April 2016, the FASB issued ASU 2016-10, Revenue from Contracts with Customers (Topic 606).  The amendments in this Update affect entities with transactions included within the scope of Topic 606, which includes entities that enter into contracts with customers to transfer goods or services in exchange for consideration. The amendments in this Update do not change the core principle for revenue recognition in Topic 606. Instead, the amendments provide (1) more detailed guidance in a few areas and (2) additional implementation guidance and examples based on feedback the FASB received from its  stakeholders. The amendments are expected to reduce the degree of judgment necessary to comply with Topic 606, which the FASB expects will reduce the potential for diversity arising in practice and reduce the cost and complexity of applying the guidance.  The amendments in this Update affect the guidance in ASU 2014-09, Revenue from Contracts with Customers (Topic 606), which is not yet effective. The effective date and transition requirements for the amendments in this Update are the same as the effective date and transition requirements in Topic 606 (and any other Topic amended by Update 2014-09). ASU 2015-14, Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date, defers the effective date of Update 2014-09 by one year.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
In May 2016, the FASB issued ASU 2016-12, Revenue from Contracts with Customers (Topic 606), which among other things clarifies the objective of the collectability criterion in Topic 606, as well as certain narrow aspects of Topic 606. The amendments in this Update affect the guidance in ASU 2014-09, Revenue from Contracts with Customers (Topic 606), which is not yet effective. The effective date and transition requirements for the amendments in this Update are the same as the effective date and transition requirements for Topic 606 (and any other Topic amended by Update 2014-09). ASU 2015-14, Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date, defers the effective date of Update 2014-09 by one year. This Update is not expected to have a significant impact on the Company's consolidated financial statements
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In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments ("ASU 2016-13"), which changes the impairment model for most financial assets. This Update is intended to improve financial reporting by requiring timelier recording of credit losses on loans and other financial instruments held by financial institutions and other organizations.  The underlying premise of the Update is that financial assets measured at amortized cost should be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The allowance for credit losses should reflect management's current estimate of credit losses that are expected to occur over the remaining life of a financial asset.  The income statement will be effected for the measurement of credit losses for newly recognized financial assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. ASU 2016-13 is effective for annual and interim periods beginning after December 15, 2019, and early adoption is permitted for annual and interim periods beginning after December 15, 2018. With certain exceptions, transition to the new requirements will be through a cumulative effect adjustment to opening retained earnings as of the beginning of the first reporting period in which the guidance is adopted.  We expect to recognize a one-time cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but cannot yet determine the magnitude of any such one-time adjustment or the overall impact of the new guidance on the consolidated financial statements.
In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230):  Classification of Certain Cash Receipts and Cash Payments ("ASU 2016-15"), which addresses eight specific cash flow issues with the objective of reducing diversity in practice.  Among these include recognizing cash payments for debt prepayment or debt extinguishment as cash outflows for financing activities; cash proceeds received from the settlement of insurance claims should be classified on the basis of the related insurance coverage; and cash proceeds received from the settlement of bank-owned life insurance policies should be classified as cash inflows from investing activities while the cash payments for premiums on bank-owned policies may be classified as cash outflows for investing activities, operating activities, or a combination of investing and operating activities.  The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity that elects early adoption must adopt all of the amendments in the same period. The amendments in this Update should be applied using a retrospective transition method to each period presented. If it is impracticable to apply the amendments retrospectively for some of the issues, the amendments for those issues would be applied prospectively as of the earliest date practicable. The Company is currently evaluating the impact the adoption of the standard will have on the Company's statement of cash flows.
In October 2016, the FASB issued ASU 2016-16, Income Taxes (Topic 740) ("ASU 2016-16"), which requires recognition of current and deferred income taxes resulting from an intra-entity transfer of any asset (excluding inventory) when the transfer occurs.  Consequently, the amendments in this Update eliminate the exception for an intra-entity transfer of an asset other than inventory. The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, including interim periods within those annual reporting periods. For all other entities, the amendments are effective for annual reporting periods beginning after December 15, 2018, and interim reporting periods within annual periods beginning after December 15, 2019.  Early adoption is permitted for all entities as of the beginning of an annual reporting period for which financial statements (interim or annual) have not been issued or made available for issuance. That is, earlier adoption should be in the first interim period if an entity issues interim financial statements. The amendments in this Update should be applied on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
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In October 2016, the FASB issued ASU 2016-17, Consolidation (Topic 810) ("ASU 2016-17"), which amends the consolidation guidance on how a reporting entity that is the single decision maker of a VIE should treat indirect interests in the entity held through related parties that are under common control with the reporting entity when determining whether it is the primary beneficiary of that VIE. The primary beneficiary of a VIE is the reporting entity that has a controlling financial interest in a VIE and, therefore, consolidates the VIE. A reporting entity has an indirect interest in a VIE if it has a direct interest in a related party that, in turn, has a direct interest in the VIE. Under the amendments, a single decision maker is not required to consider indirect interests held through related parties that are under common control with the single decision maker to be the equivalent of direct interests in their entirety. Instead, a single decision maker is required to include those interests on a proportionate basis consistent with indirect interests held through other related parties.  This Update is not expected to have a significant impact on the Company's consolidated financial statements.
In October 2016, the FASB issued ASU 2016-18, Statement of Cash Flows (Topic 230) ("ASU 2016-18"), which requires that a statement of cash flows explains the change during the period in the total of cash, cash equivalents, and amounts generally described as restricted cash or restricted cash equivalents. Therefore, amounts generally described as restricted cash and restricted cash equivalents should be included with cash and cash equivalents when reconciling the beginning-of-period and end-of-period total amounts shown on the statement of cash flows. The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period.  The amendments in this Update should be applied using a retrospective transition method to each period presented.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's statement of cash flows.
In December 2016, the FASB issued ASU 2016-19, Technical Corrections and Improvements, which represents changes to clarify, correct errors, or make minor improvements to the Accounting Standards Codification. The amendments make the Accounting Standards Codification easier to understand and easier to apply by eliminating inconsistencies and providing clarifications.  Most of the amendments in this Update do not require transition guidance and are effective upon issuance of this Update. This Update is not expected to have a significant impact on the Company's consolidated financial statements.
In December 2016, the FASB issued ASU 2016-20, Technical Corrections and Improvements to Topic 606, Revenue from Contracts with Customers "ASU 2016-20".  This Update, among others things, clarifies that guarantee fees within the scope of Topic 460, Guarantees, (other than product or service warranties) are not within the scope of Topic 606. The effective date and transition requirements for ASU 2016-20 are the same as the effective date and transition requirements for the new revenue recognition guidance. For public entities with a calendar year-end, the new guidance is effective in the quarter and year beginning January 1, 2018. For all other entities with a calendar year-end, the new guidance is effective in the year ending December 31, 2019, and interim periods in 2020.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
In January 2017, the FASB issued ASU 2017-01, Business Combinations (Topic 805), Clarifying the Definition of a Business "ASU 2017-01", which provides a more robust framework to use in determining when a set of assets and activities (collectively referred to as a "set") is a business. The screen requires that when substantially all of the fair value of the gross assets acquired (or disposed of) is concentrated in a single identifiable asset or a group of similar identifiable assets, the set is not a business. This screen reduces the number of transactions that need to be further evaluated.  Public business entities should apply the amendments in this Update to annual periods beginning after December 15, 2017, including interim periods within those periods. All other entities should apply the amendments to annual periods beginning after December 15, 2018, and interim periods within annual periods beginning after December 15, 2019.  The amendments in this Update should be applied prospectively on or after the effective date.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
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Treasury Stock
The purchase of the Company's common stock is recorded at cost.  At the date of subsequent reissue, the treasury stock account is reduced by the cost of such stock on a last-in-first-out basis.
Cash Flows
The Company utilizes the net reporting of cash receipts and cash payments for deposit, short-term borrowing and lending activities.  The Company considers amounts due from banks and interest-bearing deposits in banks as cash equivalents.
Trust Assets and Income
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.  In accordance with industry practice, fees are recorded on the cash basis and approximate the fees which would have been recognized on the accrual basis.
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.
   
2016
    
2015
    
2014
  
Basic earnings per share computation:
                  
Net income applicable to common stock
  
$
12,638,000
    
$
11,626,000
    
$
13,385,000
  
Weighted average common shares outstanding
    
3,341,933
      
3,063,906
      
3,070,922
  
Earnings per share - basic
  
$
3.78
    
$
3.79
    
$
4.36
  
 
                        
Diluted earnings per share computation:
                        
Net income applicable to common stock
  
$
12,638,000
    
$
11,626,000
    
$
13,385,000
  
Weighted average common shares outstanding for basic earnings per share
    
3,341,933
      
3,063,906
      
3,070,922
  
Add: Dilutive effects of restricted stock
    
1,556
      
1,360
      
1,295
  
Weighted average common shares outstanding for dilutive earnings per share
    
3,343,489
      
3,065,266
      
3,072,217
  
Earnings per share - dilutive
  
$
3.78
    
$
3.79
    
$
4.36
  
Nonvested shares of restricted stock totaling 3,087, 2,105 and 2,248 were outstanding during 2016, 2015 and 2014, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. These anti-dilutive shares had per share prices ranging from $46.69-$53.15, $50.15-$53.15 and $37.10-$50.50 for 2016, 2015 and  2014, respectively.
Reclassification
Certain of the prior year amounts have been reclassified to conform to the current year presentation. Such reclassifications had no effect on net income or stockholders' equity.
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2. RESTRICTIONS ON CASH AND DUE FROM BANKS
The Bank is required to maintain reserves, in the form of cash balances with the Federal Reserve Bank, against its deposit liabilities.  The amount of such reserves was $2,297,000 and $1,646,000 at December 31, 2016 and 2015, respectively.
Non-retirement account deposits with one financial institution are insured up to $250,000. At times, the Company maintains cash and cash equivalents with other financial institutions in excess of the insured amount.
3. INVESTMENT SECURITIES
The amortized cost, gross unrealized gains and losses, and fair value of investment securities at December 31, 2016 and 2015 were as follows (in thousands):
         
Gross
    
Gross
        
   
Amortized
    
Unrealized
    
Unrealized
    
Fair
  
2016
  
Cost
    
Gains
    
Losses
    
Value
  
Available-for-sale securities:
                        
  U.S. Agency securities
  
$
170,276
    
$
407
    
$
(269
)
  
$
170,414
  
  U.S. Treasuries
    
2,999
      
1
      
-
      
3,000
  
  Obligations of state and
                                
    political subdivisions
    
95,956
      
1,463
      
(493
)
    
96,926
  
  Corporate obligations
    
3,000
      
50
      
-
      
3,050
  
  Mortgage-backed securities in
                                
    government sponsored entities
    
37,987
      
88
      
(347
)
    
37,728
  
  Equity securities in financial institutions
    
1,821
      
1,078
      
-
      
2,899
  
Total available-for-sale securities
  
$
312,039
    
$
3,087
    
$
(1,109
)
  
$
314,017
  
                                 
2015
                                
Available-for-sale securities:
                                
  U.S. Agency securities
  
$
199,749
    
$
369
    
$
(527
)
  
$
199,591
  
  U.S. Treasuries
    
10,103
      
-
      
(21
)
    
10,082
  
  Obligations of state and
                                
    political subdivisions
    
99,856
      
3,080
      
(73
)
    
102,863
  
  Corporate obligations
    
14,583
      
68
      
(86
)
    
14,565
  
  Mortgage-backed securities in
                                
    government sponsored entities
    
30,107
      
186
      
(89
)
    
30,204
  
  Equity securities in financial institutions
    
2,001
      
436
      
(5
)
    
2,432
  
Total available-for-sale securities
  
$
356,399
    
$
4,139
    
$
(801
)
  
$
359,737
  
The following table shows the Company's gross unrealized losses and fair value, aggregated by investment category and length of time, that the individual securities have been in a continuous unrealized loss position, at December 31, 2016 and 2015 (in thousands).  As of December 31, 2016, the Company owned 88 securities whose fair value was less than their cost basis.
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Less than Twelve Months
    
Twelve Months or Greater
    
Total
  
         
Gross
          
Gross
          
Gross
  
   
Fair
    
Unrealized
    
Fair
    
Unrealized
    
Fair
    
Unrealized
  
2016
  
Value
    
Losses
    
Value
    
Losses
    
Value
    
Losses
  
U.S. Agency securities
  
$
50,947
    
$
(269
)
  
$
-
    
$
-
    
$
50,947
    
$
(269
)
Obligations of states and
                                                
     political subdivisions
    
28,398
      
(472
)
    
767
      
(21
)
    
29,165
      
(493
)
Mortgage-backed securities in
                                                
     government sponsored entities
    
26,717
      
(330
)
    
753
      
(17
)
    
27,470
      
(347
)
    Total securities
  
$
106,062
    
$
(1,071
)
  
$
1,520
    
$
(38
)
  
$
107,582
    
$
(1,109
)
                                                 
2015
                                                
U.S. Agency securities
  
$
123,591
    
$
(527
)
  
$
-
    
$
-
    
$
123,591
    
$
(527
)
U.S. Treasuries
    
10,082
      
(21
)
    
-
      
-
      
10,082
      
(21
)
Obligations of states and
                                                
     political subdivisions
    
7,023
      
(57
)
    
2,914
      
(16
)
    
9,937
      
(73
)
Corporate obligations
    
5,822
      
(61
)
    
2,138
      
(25
)
    
7,960
      
(86
)
Mortgage-backed securities in
                                                
     government sponsored entities
    
9,830
      
(77
)
    
227
      
(12
)
    
10,057
      
(89
)
  Equity securities in financial institutions
    
106
      
(5
)
    
-
      
-
      
106
      
(5
)
    Total securities
  
$
156,454
    
$
(748
)
  
$
5,279
    
$
(53
)
  
$
161,733
    
$
(801
)
As of December 31, 2016, 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 and mortgage backed securities in government sponsored entities. 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.  As of December 31, 2016 and 2015, the Company had 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 company-specific rating changes that are not expected to result in the non-collection of principal and interest during the period.
72
Proceeds from sales of securities available-for-sale during 2016, 2015 and, 2014 were $22,372,000, $30,464,000 and $28,989,000, respectively. The gross gains realized during 2016 consisted of $72,000, $27,000, $80,000 and $133,000 from the sales of four agency securities, two US treasury notes, four municipal securities and portions of three equity security positions, respectively. The gross losses realized during 2016 consisted of $22,000 and $35,000 from the sales of four agency securities and six corporate securities. The gross gains realized during 2015 consisted of $196,000, $69,000, $99,000 and $76,000 from the sales of five agency securities, five mortgage backed securities, seven municipal securities and an entire equity security position, respectively. The gross loss of $11,000 was realized from the sale of one US treasury security. The gross gains realized during 2014 consisted of $177,000, $197,000, $172,000 and $101,000 from the sales eight agency securities, seven mortgage backed securities, one municipal security and a portion of one equity security, respectively. The gross loss of $31,000 was realized from the sale of two US treasury securities. Gross gains and gross losses were realized as follows (in thousands):
 
  
2016
    
2015
    
2014
  
Gross gains
  
$
312
    
$
440
    
$
647
  
Gross losses
    
(57
)
    
(11
)
    
(31
)
Net gains
  
$
255
    
$
429
    
$
616
  
Investment securities with an approximate carrying value of $206,322,000 and $203,769,000 at December 31, 2016 and 2015, respectively, were pledged to secure public funds and certain other deposits as provided by law and certain borrowing arrangements of the Company.
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 December 31, 2016, by contractual maturity are shown below (in thousands). Municipal securities that have been refunded and will therefore pay-off on the call date are reflected in the table below utilizing the call date as the date of repayment as payment is guaranteed on that day:
   
Amortized
        
 
  
Cost
    
Fair Value
  
Available-for-sale securities:
            
  Due in one year or less
  
$
44,331
    
$
44,484
  
  Due after one year through five years
    
155,199
      
156,177
  
  Due after five years through ten years
    
38,363
      
38,305
  
  Due after ten years
    
72,325
      
72,152
  
Total
  
$
310,218
    
$
311,118
  
4. LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES
The Company grants commercial, industrial, agricultural, residential, and consumer loans primarily to customers throughout north central and south central Pennsylvania and southern New York.  Although the Company has a diversified loan portfolio at December 31, 2016 and 2015, 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, as well as how those segments are analyzed within the allowance for loan losses as of December 31, 2016 and 2015 (in thousands):
2016
  
Total Loans
    
Individually
evaluated for
impairment
    
Loans acquired
with deteriorated
credit quality
    
Collectively
evaluated for
impairment
  
Real estate loans:
                        
     Residential
  
$
207,423
    
$
957
    
$
35
    
$
206,431
  
     Commercial
    
252,577
      
5,742
      
1,969
      
244,866
  
     Agricultural
    
123,624
      
3,346
      
738
      
119,540
  
     Construction
    
25,441
      
-
      
-
      
25,441
  
Consumer
    
11,005
      
-
      
4
      
11,001
  
Other commercial loans
    
58,639
      
5,994
      
621
      
52,024
  
Other agricultural loans
    
23,388
      
1,654
      
-
      
21,734
  
State and political subdivision loans
    
97,514
      
-
      
-
      
97,514
  
Total
    
799,611
      
17,693
      
3,367
      
778,551
  
Less: Allowance for loan losses
    
8,886
      
487
      
-
      
8,399
  
Net loans
  
$
790,725
    
$
17,206
    
$
3,367
    
$
770,152
  

73
 
2015
  
Total Loans
    
Individually
evaluated for impairment
    
Loans acquired
with deteriorated
credit quality
    
Collectively
evaluated for
 impairment
  
Real estate loans:
                        
     Residential
  
$
203,407
    
$
304
    
$
35
    
$
203,068
  
     Commercial
    
237,542
      
6,068
      
2,170
      
229,304
  
     Agricultural
    
57,822
      
167
      
738
      
56,917
  
     Construction
    
15,011
      
-
      
-
      
15,011
  
Consumer
    
11,543
      
-
      
9
      
11,534
  
Other commercial loans
    
57,549
      
5,640
      
866
      
51,043
  
Other agricultural loans
    
13,657
      
105
              
13,552
  
State and political subdivision loans
    
98,500
      
-
      
-
      
98,500
  
Total
    
695,031
      
12,284
      
3,818
      
678,929
  
Less: Allowance for loan losses
    
7,106
      
355
      
-
      
6,751
  
Net loans
  
$
687,925
    
$
11,929
    
$
3,818
    
$
672,178
  
As of December 31, 2016 and 2015, net unamortized loan fees and costs of $732,000 and $1,170,000, respectively, were included in the carrying value of loans. Purchased loans acquired in connection with the FNB acquisition were recorded at fair value on their purchase date without a carryover of the related allowance for loan losses.
Upon acquisition, the Company evaluated whether an acquired loan was within the scope of ASC 310-30, Receivables-Loans and Debt Securities Acquired with Deteriorated Credit Quality. Purchased credit-impaired ("PCI") loans are loans that have evidence of credit deterioration since origination and it is probable at the date of acquisition that the Company will not collect all contractually required principal and interest payments. The fair value of PCI loans, on the acquisition date, was determined, primarily based on the fair value of the loans' collateral. The carrying value of PCI loans was $3,367,000 and $3,818,000 at December 31, 2016 and December 31, 2015, respectively. The carrying value of the PCI loans was determined by projected discounted contractual cash flows.
On the acquisition date, the unpaid principal balance for all PCI loans was $6,969,000 and the estimated fair value of the loans was $3,809,000. Total contractually required payments on these loans, including interest, at the acquisition date was $9,913,000. However, the Company's preliminary estimate of expected cash flows was $4,474,000. At such date, the Company established a credit risk related non-accretable discount (a discount representing amounts which are not expected to be collected from the customer nor liquidation of collateral) of $5,439,000 relating to these PCI loans, reflected in the recorded net fair value. Such amount is reflected as a non-accretable fair value adjustment to loans. The Company further estimated the timing and amount of expected cash flows and established an accretable discount of $665,000 on the acquisition date relating to these PCI loans.
Changes in the amortizable yield for PCI loans were as follows for the years ended December 31, 2016 and 2015 (in thousands):
 
  
December 31, 2016
    
December 31, 2015
  
Balance at beginning of period
  
$
637
    
$
665
  
Accretion
    
(349
)
    
(28
)
Reclassification of non-accretable discount
    
101
      
-
  
Balance at end of period
  
$
389
    
$
637
  
74
The following table presents additional information regarding PCI loans:
(In Thousands)
  
December 31, 2016
    
December 31, 2015
  
Outstanding balance
  
$
6,487
    
$
6,950
  
Carrying amount
    
3,367
      
3,818
  
Real estate loans serviced for Freddie Mac, Fannie Mae and the FHLB, which are not included in the Consolidated Balance Sheet, totaled $135,404,000 and $133,210,000 at December 31, 2016 and 2015, respectively. Loans sold to Freddie Mac and Fannie Mae were sold without recourse and total $102,444,000 and $92,773,000 at December 31, 2016 and 2015, respectively. Additionally, the Bank acquired a portfolio of loans sold to the FHLB during the acquisition of FNB, which were sold under the Mortgage Partnership Finance Program ("MPF"). The Bank is no longer an active participant in the MPF program. The MPF portfolio balance was $32,960,000 and $40,437,000 at December 31, 2016 and 2015, respectively. The FHLB maintains a first-loss position for the MPF portfolio that totals $120,000. Should the FHLB exhaust its first-loss position, recourse to the Bank's credit enhancement would be up to the next $985,000 of losses. The Bank has not experienced any losses for the MPF portfolio.
The segments of the Bank's loan portfolio are disaggregated into classes to a level that allows management to monitor risk and performance. Residential real estate mortgages consists of 15 to 30 year first mortgages on residential real estate, while residential real estate home equities are consumer purpose installment loans or lines of credit  secured by a mortgage which is often a second lien on residential real estate with terms of 15 years or less. Commercial real estate are business purpose loans secured by a mortgage on commercial real estate. Agricultural real estate are loans secured by a mortgage on real estate used in agriculture production. Construction real estate 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 collateral other than real estate and overdraft lines of credit connected with 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 subdivisions are loans for state and local municipalities for capital and operating expenses or tax free loans used to finance commercial development.
Management considers other commercial loans, other agricultural loans, commercial and agricultural real estate loans and state and political subdivision loans which are 90 days or more past due to be impaired. Certain residential mortgages, home equity and consumer loans that are cross collateralized with commercial relationships determined to be impaired may be classified as impaired as well. These 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 allowance allocation or a charge-off to the allowance.
The following table includes the recorded investment and unpaid principal balances for impaired loans by class, with the associated allowance amount as of December 31, 2016 and 2015, if applicable (in thousands):

 
        
Recorded
    
Recorded
              
 
  
Unpaid
    
Investment
    
Investment
    
Total
        
 
  
Principal
    
With No
    
With
    
Recorded
    
Related
  
 2016
  
Balance
    
Allowance
    
Allowance
    
Investment
    
Allowance
  
Real estate loans:
                              
     Mortgages
  
$
953
    
$
570
    
$
330
    
$
900
    
$
22
  
     Home Equity
    
57
      
-
      
57
      
57
      
10
  
     Commercial
    
7,958
      
5,697
      
45
      
5,742
      
45
  
     Agricultural
    
3,347
      
2,000
      
1,347
      
3,347
      
54
  
Other commercial loans
    
6,159
      
5,135
      
859
      
5,994
      
326
  
Other agricultural loans
    
1,653
      
1,629
      
24
      
1,653
      
30
  
Total
  
$
20,127
    
$
15,031
    
$
2,662
    
$
17,693
    
$
487
  

75
 
         
Recorded
    
Recorded
              
   
Unpaid
    
Investment
    
Investment
    
Total
        
   
Principal
    
With No
    
With
    
Recorded
    
Related
  
2015
  
Balance
    
Allowance
    
Allowance
    
Investment
    
Allowance
  
Real estate loans:
                              
     Mortgages
  
$
281
    
$
114
    
$
129
    
$
243
    
$
26
  
     Home Equity
    
61
      
-
      
61
      
61
      
11
  
     Commercial
    
8,654
      
5,843
      
225
      
6,068
      
62
  
     Agricultural
    
167
      
167
      
-
      
167
      
-
  
Other commercial loans
    
5,535
      
4,653
      
987
      
5,640
      
256
  
Other agricultural loans
    
105
      
105
      
-
      
105
      
-
  
Total
  
$
14,803
    
$
10,882
    
$
1,402
    
$
12,284
    
$
355
  
The following table includes the average investment in impaired loans and the income recognized on impaired loans for 2016, 2015 and 2014 (in thousands):
 
              
Interest
  
 
  
Average
    
Interest
    
Income
  
 
  
Recorded
    
Income
    
Recognized
  
2016
  
Investment
    
Recognized
    
Cash Basis
  
Real estate loans:
                  
     Mortgages
  
$
590
    
$
13
    
$
-
  
     Home Equity
    
59
      
4
      
-
  
     Commercial
    
5,959
      
69
      
1
  
     Agricultural
    
361
      
17
      
-
  
Consumer
    
-
      
-
      
-
  
Other commercial loans
    
5,715
      
87
      
6
  
Other agricultural loans
    
190
      
11
      
-
  
Total
  
$
12,874
    
$
201
    
$
7
  
 
                        
2015
                        
Real estate loans:
                        
     Mortgages
  
$
240
    
$
12
    
$
-
  
     Home Equity
    
88
      
4
      
-
  
     Commercial
    
5,683
      
63
      
5
  
     Agricultural
    
56
      
2
      
-
  
Consumer
    
-
      
-
      
-
  
Other commercial loans
    
2,700
      
98
      
6
  
Other agricultural loans
    
37
      
1
      
-
  
Total
  
$
8,804
    
$
180
    
$
11
  
 
                        
2014
                        
Real estate loans:
                        
     Mortgages
  
$
198
    
$
9
    
$
-
  
     Home Equity
    
130
      
4
      
-
  
     Commercial
    
7,270
      
54
      
-
  
     Agricultural
    
-
      
-
      
-
  
Consumer
    
10
      
-
      
-
  
Other commercial loans
    
2,031
      
79
      
-
  
Other agricultural loans
    
-
      
-
      
-
  
Total
  
$
9,639
    
$
146
    
$
-
  
76
Credit Quality Information
For commercial real estate, agricultural real estate, construction, other commercial, other agricultural loans and state and political subdivision loans, management uses a nine point internal risk rating system to monitor the 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 are 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 Bank'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 Bank engages an external consultant on at least an annual basis. The external consultant is engaged 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 years, 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, or classified Special Mention, Substandard, Doubtful, or Loss, and 5) such other loans which management or the consultant deems appropriate.
77
The following tables represent credit exposures by internally assigned grades as of December 31, 2016 and 2015 (in thousands):
 
  
Pass
    
Special Mention
    
Substandard
    
Doubtful
    
Loss
    
Ending Balance
  
2016
                                    
Real estate loans:
                                    
     Commercial
  
$
225,185
    
$
14,045
    
$
13,347
    
$
-
    
$
-
    
$
252,577
  
     Agricultural
    
110,785
      
8,231
      
4,608
      
-
      
-
      
123,624
  
     Construction
    
25,441
      
-
      
-
      
-
      
-
      
25,441
  
Other commercial loans
    
51,396
      
2,049
      
5,105
      
89
      
-
      
58,639
  
Other agricultural loans
    
20,178
      
1,733
      
1,477
      
-
      
-
      
23,388
  
State and political
                                                
   subdivision loans
    
83,620
      
13,066
      
828
      
-
      
-
      
97,514
  
Total
  
$
516,605
    
$
39,124
    
$
25,365
    
$
89
    
$
-
    
$
581,183
  
 
                                                
2015
                                                
Real estate loans:
                                                
     Commercial
  
$
217,544
    
$
4,150
    
$
15,816
    
$
32
    
$
-
    
$
237,542
  
     Agricultural
    
53,695
      
2,865
      
1,262
      
-
      
-
      
57,822
  
     Construction
    
14,422
      
589
      
-
      
-
      
-
      
15,011
  
Other commercial loans
    
51,297
      
446
      
5,669
      
137
      
-
      
57,549
  
Other agricultural loans
    
13,318
      
234
      
105
      
-
      
-
      
13,657
  
State and political
                                                
   subdivision loans
    
98,500
      
-
      
-
      
-
      
-
      
98,500
  
Total
  
$
448,776
    
$
8,284
    
$
22,852
    
$
169
    
$
-
    
$
480,081
  
For residential real estate mortgages, home equities 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. The following table presents the recorded investment in those loan classes based on payment activity as of December 31, 2016 and 2015 (in thousands):
2016
  
Performing
    
Non-performing
    
PCI
    
Total
  
Real estate loans:
                        
     Mortgages
  
$
147,047
    
$
1,648
    
$
35
    
$
148,730
  
     Home Equity
    
58,438
      
255
      
-
      
58,693
  
Consumer
    
10,892
      
109
      
4
      
11,005
  
Total
  
$
216,377
    
$
2,012
    
$
39
    
$
218,428
  
 
78
2015
  
Performing
    
Non-performing
    
PCI
    
Total
  
Real estate loans:
                                
     Mortgages
  
$
139,734
    
$
1,270
    
$
35
    
$
141,039
  
     Home Equity
    
62,236
      
132
      
-
      
62,368
  
Consumer
    
11,470
      
64
      
9
      
11,543
  
Total
  
$
213,440
    
$
1,466
    
$
44
    
$
214,950
  
Aging Analysis of Past Due Loans by Class
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 loans as of December 31, 2016 and 2015 (in thousands):
 
  
30-59 Days
    
60-89 Days
    
90 Days
    
Total Past
                
Total Financing
    
90 Days and
  
2016
  
Past Due
    
Past Due
    
Or Greater
    
Due
    
Current
    
PCI
    
Receivables
    
Accruing
  
Real estate loans:
                                                
     Mortgages
  
$
630
    
$
36
    
$
1,109
    
$
1,775
    
$
146,920
    
$
35
    
$
148,730
    
$
173
  
     Home Equity
    
384
      
49
      
209
      
642
      
58,051
      
-
      
58,693
      
160
  
     Commercial
    
1,757
      
58
      
4,302
      
6,117
      
244,491
      
1,969
      
252,577
      
-
  
     Agricultural
    
-
      
-
      
1,145
      
1,145
      
121,741
      
738
      
123,624
      
-
  
     Construction
    
-
      
-
      
-
      
-
      
25,441
      
-
      
25,441
      
-
  
Consumer
    
115
      
40
      
83
      
238
      
10,763
      
4
      
11,005
      
67
  
Other commercial loans
    
95
      
35
      
4,004
      
4,134
      
53,884
      
621
      
58,639
      
-
  
Other agricultural loans
    
43
      
34
      
5
      
82
      
23,306
      
-
      
23,388
      
5
  
State and political
                                                                
   subdivision loans
    
-
      
-
      
-
      
-
      
97,514
      
-
      
97,514
      
-
  
Total
  
$
3,024
    
$
252
    
$
10,857
    
$
14,133
    
$
782,111
    
$
3,367
    
$
799,611
    
$
405
  
 
                                                                
Loans considered non-accrual
  
$
172
    
$
105
    
$
10,452
    
$
10,729
    
$
725
    
$
-
    
$
11,454
          
Loans still accruing
    
2,852
      
147
      
405
      
3,404
      
781,386
      
3,367
      
788,157
          
Total
  
$
3,024
    
$
252
    
$
10,857
    
$
14,133
    
$
782,111
    
$
3,367
    
$
799,611
          

 
  
30-59 Days
    
60-89 Days
    
90 Days
    
Total Past
                
Total Financing
    
90 Days and
  
2015
  
Past Due
    
Past Due
    
Or Greater
    
Due
    
Current
    
PCI
    
Receivables
    
Accruing
  
Real estate loans:
                                                
     Mortgages
  
$
487
    
$
283
    
$
687
    
$
1,457
    
$
139,547
    
$
35
    
$
141,039
    
$
321
  
     Home Equity
    
630
      
15
      
121
      
766
      
61,602
      
-
      
62,368
      
73
  
     Commercial
    
824
      
57
      
4,139
      
5,020
      
230,352
      
2,170
      
237,542
      
60
  
     Agricultural
    
177
      
167
      
-
      
344
      
56,740
      
738
      
57,822
      
-
  
     Construction
    
-
      
-
      
-
      
-
      
15,011
      
-
      
15,011
      
-
  
Consumer
    
239
      
37
      
49
      
325
      
11,209
      
9
      
11,543
      
9
  
Other commercial loans
    
143
      
214
      
1,010
      
1,367
      
55,316
      
866
      
57,549
      
160
  
Other agricultural loans
    
9
      
-
      
-
      
9
      
13,648
      
-
      
13,657
      
-
  
State and political
                                                                
   subdivision loans
    
-
      
-
      
-
      
-
      
98,500
      
-
      
98,500
      
-
  
Total
  
$
2,509
    
$
773
    
$
6,006
    
$
9,288
    
$
681,925
    
$
3,818
    
$
695,031
    
$
623
  
 
                                                                
Loans considered non-accrual
  
$
54
    
$
171
    
$
5,383
    
$
5,608
    
$
923
    
$
-
    
$
6,531
          
Loans still accruing
    
2,455
      
602
      
623
      
3,680
      
681,002
      
3,818
      
688,500
          
Total
  
$
2,509
    
$
773
    
$
6,006
    
$
9,288
    
$
681,925
    
$
3,818
    
$
695,031
          
79
Nonaccrual Loans
Loans are considered for nonaccrual status upon reaching 90 days delinquency, unless the loan is well secured and in the process of collection, 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.
The following table reflects the loans on nonaccrual status as of December 31, 2016 and 2015, respectively. The balances are presented by class of loan (in thousands):

 
  
2016
    
2015
  
Real estate loans:
            
     Mortgages
  
$
1,475
    
$
949
  
     Home Equity
    
95
      
59
  
     Commercial
    
4,445
      
4,422
  
     Agricultural
    
1,340
      
34
  
     Construction
    
-
      
-
  
Consumer
    
42
      
55
  
Other commercial loans
    
4,057
      
1,012
  
Other agricultural loans
    
-
      
-
  
State and political subdivision
    
-
      
-
  
 
                
 
  
$
11,454
    
$
6,531
  
Interest income on loans would have increased by approximately $603,000, $463,000 and $527,000 during 2016, 2015 and 2014, respectively, if these loans had performed in accordance with their terms.
Troubled Debt Restructurings (TDR)
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 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 either interest or principal, 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 December 31, 2016, 2015 and 2014, included within the allowance for loan losses are reserves of $29,000, $37,000 and $26,000, respectively, that are associated with loans modified as TDRs.
80
Loan modifications that are considered TDRs completed during the years ended December 31, 2016, 2015 and 2014 were as follows (dollars in thousands):
   
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
  
 2016
                                    
Real estate loans:
                                    
     Commercial
    
-
      
4
    
$
-
    
$
1,188
    
$
-
    
$
1,188
  
     Agricultural
    
-
      
5
      
-
      
1,956
      
-
      
1,956
  
Other commercial loans
    
-
      
3
      
-
      
3,076
      
-
      
3,076
  
Other agricultural loans
    
-
      
7
      
-
      
1,558
      
-
      
1,558
  
Total
    
-
      
19
    
$
-
    
$
7,778
    
$
-
    
$
7,778
  
                                                 
 2015
                                                
Real estate loans:
                                                
     Mortgages
    
1
      
1
    
$
71
    
$
19
    
$
71
    
$
19
  
Total
    
1
      
1
    
$
71
    
$
19
    
$
71
    
$
19
  
                                                 
 2014
                                                
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, 2016, 2015 and 2014, respectively, and that subsequently defaulted during these reporting periods (dollars in thousands):
 
  
December 31, 2016
    
December 31, 2015
    
December 31, 2014
  
 
  
Number of
contracts
    
Recorded
investment
    
Number of
 contracts
    
Recorded
investment
    
Number of
contracts
    
Recorded
investment
  
Real estate loans:
                                    
     Commercial
    
-
    
$
-
      
-
    
$
-
      
1
    
$
50
  
Total recidivism
    
-
    
$
-
      
-
    
$
-
      
1
    
$
50
  
81
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 December 31, 2016 and 2015 included with other assets are $1,036,000 and $1,354,000, respectively, of foreclosed assets. As of December 31, 2016, included within the foreclosed assets is $217,000 of consumer residential mortgages that were foreclosed on or received via a deed in lieu transaction prior to the period end. As of December 31, 2016, the Company has initiated formal foreclosure proceedings on $1,239,000 of consumer residential mortgages, which have not yet been transferred into foreclosed assets.

Allowance for Loan Losses
The following tables roll forward the balance of the allowance for loan and lease losses for the years ended December 31, 2016, 2015 and 2014 and is segregated into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of December 31, 2016, 2015 and 2014 (in thousands):
 
  
Balance at
December 31, 2015
    
Charge-offs
    
Recoveries
    
Provision
    
Balance at
December 31, 2016
    
Individually
evaluated for impairment
    
Collectively
evaluated for impairment
  
Real estate loans:
                                          
     Residential
  
$
905
    
$
(85
)
  
$
-
    
$
244
    
$
1,064
    
$
32
    
$
1,032
  
     Commercial
    
3,376
      
(100
)
    
479
      
(166
)
    
3,589
      
45
      
3,544
  
     Agricultural
    
409
      
-
      
-
      
1,085
      
1,494
      
54
      
1,440
  
     Construction
    
24
      
-
      
-
      
23
      
47
      
-
      
47
  
Consumer
    
102
      
(100
)
    
88
      
32
      
122
      
-
      
122
  
Other commercial loans
    
1,183
      
(55
)
    
33
      
166
      
1,327
      
326
      
1,001
  
Other agricultural loans
    
122
      
-
      
-
      
190
      
312
      
30
      
282
  
State and political
                                                        
  subdivision loans
    
593
      
-
      
-
      
240
      
833
      
-
      
833
  
Unallocated
    
392
      
-
      
-
      
(294
)
    
98
      
-
      
98
  
Total
  
$
7,106
    
$
(340
)
  
$
600
    
$
1,520
    
$
8,886
    
$
487
    
$
8,399
  
 
                                                        
 
  
Balance at
December 31, 2014
    
Charge-offs
    
Recoveries
    
Provision
    
Balance at
December 31, 2015
    
Individually
evaluated for
impairment
    
Collectively
evaluated for
impairment
  
Real estate loans:
                                                        
     Residential
  
$
878
    
$
(66
)
  
$
-
    
$
93
    
$
905
    
$
37
    
$
868
  
     Commercial
    
3,419
      
(84
)
    
14
      
27
      
3,376
      
62
      
3,314
  
     Agricultural
    
451
                      
(42
)
    
409
      
-
      
409
  
     Construction
    
26
      
-
      
-
      
(2
)
    
24
      
-
      
24
  
Consumer
    
84
      
(47
)
    
33
      
32
      
102
      
-
      
102
  
Other commercial loans
    
1,007
      
(41
)
    
2
      
215
      
1,183
      
256
      
927
  
Other agricultural loans
    
217
                      
(95
)
    
122
              
122
  
State and political
                            
-
                          
  subdivision loans
    
545
      
-
      
-
      
48
      
593
      
-
      
593
  
Unallocated
    
188
      
-
      
-
      
204
      
392
      
-
      
392
  
Total
  
$
6,815
    
$
(238
)
  
$
49
    
$
480
    
$
7,106
    
$
355
    
$
6,751
  

 
  
Balance at
December 31, 2013
    
Charge-offs
    
Recoveries
    
Provision
    
Balance at
December 31, 2014
    
Individually
evaluated for
impairment
    
Collectively
evaluated for
impairment
  
Real estate loans:
                                          
     Residential
  
$
946
    
$
(97
)
  
$
-
    
$
29
    
$
878
    
$
25
    
$
853
  
     Commercial
    
3,983
      
(516
)
    
15
      
(63
)
    
3,419
      
72
      
3,347
  
     Agricultural
    
575
                      
(124
)
    
451
              
451
  
     Construction
    
50
      
-
      
-
      
(24
)
    
26
      
-
      
26
  
 
82
 
Consumer
    
105
      
(47
)
    
27
      
(1
)
    
84
      
-
      
84
  
Other commercial loans
    
686
      
(250
)
    
-
      
571
      
1,007
      
1
      
1,006
  
Other agricultural loans
    
256
                      
(39
)
    
217
              
217
  
State and political
                            
-
                          
  subdivision loans
    
330
      
-
      
-
      
215
      
545
      
-
      
545
  
Unallocated
    
167
      
-
      
-
      
21
      
188
      
-
      
188
  
Total
  
$
7,098
    
$
(910
)
  
$
42
    
$
585
    
$
6,815
    
$
98
    
$
6,717
  
As discussed in Footnote 1, management evaluates various qualitative factors on a quarterly basis. The following are explanations for the changes in the allowance by portolio segments:
2016
Residential - There was an increase in the historical loss factor for residential loans when comparing 2015 and 2016. The specific reserve for residential loans decreased slightly between 2015 and 2016.   The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for residential loans due to an increase in past due, non-accrual and classified loans.  The qualitative factor for national, state, regional and local economic trends and business conditions was increased for residential loan categories due to an increase in the unemployment rates in the local economy during 2016.
Commercial real estate– There was a decrease in the historical loss factor for commercial real estate loans when comparing 2015 and 2016. The specific reserve for commercial real estate loans decreased slightly between 2015 and 2016. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for all commercial real estate loans due to an increase in the unemployment rates in the local economy during 2016. The qualitative factors for changes in quality of the institutions loan review system were increased for commercial real estate loans due to the addition of new staff and processes.
Agricultural real estate – There was no change in the historical loss factor for agricultural real estate loans from 2015 to 2016.  The specific reserve for agricultural real estate loans increased from 2015 to 2016. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was increased for agricultural real estate due to an increase in past due, non-accrual and classified loans.  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 agricultural real estate due to the decrease in the price received for product sold and the increase in feed costs that has occurred in 2016, which negatively affected customer earnings. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for agricultural real estate loans due to an increase in the unemployment rates in the local economy during 2016. The qualitative factors for changes in quality of the institutions loan review system were increased for agricultural real estate due to the addition of new staff and processes. The qualitative factors for trends in volume, terms and nature of the loan portfolio were increased for agricultural real estate loans due to growth in these loan categories.
Other commercial - There was an increase in the historical loss factor for other commercial loans when comparing 2015 and 2016. The specific reserve for other commercial loans increased from 2015 to 2016. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was not increased due to the increase being caused by one relationship instead of a larger trend.  The qualitative factor for national, state, regional and local economic trends and business conditions was increased for other commercial loans due to an increase in the unemployment rates in the local economy during 2016. The qualitative factors for changes in quality of the institutions loan review system were increased for other commercial due to the addition of new staff and processes.
Other agricultural - There was no change in the historical loss factor for other agricultural loans from 2015 to 2016.  The specific reserve for other agricultural loans increased from 2015 to 2016. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other agricultural loans due to an increase in past due, non-accrual and classified loans  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 other agricultural loans due to the decrease in the price received for product sold and the increase in feed costs that has occurred in 2016, which negatively affected customer earnings. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for other agricultural loan categories due to an increase in the unemployment rates in the local economy during 2016. The qualitative factors for changes in quality of the institutions loan review system were increased for other agricultural loans due to the addition of new staff and processes. The qualitative factors for trends in volume, terms and nature of the loan portfolio were increased for other agricultural loans due to growth in these loan categories.
83
Municipal loans - There was no changes in the historical loss factor or specific reserve for municipal loans from 2015 to 2016. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for municipal loans due to an increase in classified loans. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for municipal loans due to an increase in the unemployment rates in the local economy during 2016. The qualitative factors for trends in volume, terms and nature of the loan portfolio were decreased for municipal loans due to this loan segment making up a smaller portion of the Bank's overall loan portfolio as we continue to grow commercial and agricultural loans. The qualitative factors for experience, ability, and depth of lending management was decreased for municipal loans due to employees gaining additional experience and the use of a third party in reviewing loan information.
2015
Residential - There was a decrease in the historical loss factor for residential loans when comparing 2014 and 2015. The specific reserve for residential loans increased slightly between 2014 and 2015.   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 qualitative factor for national, state, regional and local economic trends and business conditions was increased for residential loan categories due to an increase in the unemployment rates in the local economy during 2015 and the reduction in natural gas exploration and extraction activity.
Commercial real estate– There was an increase in the historical loss factor for commercial real estate loans when comparing 2014 and 2015. The specific reserve for commercial real estate loans decreased slightly between 2014 and 2015. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for all commercial real estate loans due to an increase in the unemployment rates in the local economy during 2015 and the reduction in natural gas exploration and extraction activity. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for commercial real estate 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 real estate 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, due to the length of time employees involved throughout the loan process have been in their positions.
Agricultural real estate – There were no changes in the historical loss factor and specifc reserve for agricultural real estate loans from 2014 to 2015. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for all agricultural real estate loans due to an increase in the unemployment rates in the local economy during 2015 and the reduction in natural gas exploration and extraction activity. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for agricultural real estate to the decrease in the amount of loans classified as substandard, excluding loans acquired as part of the FNB acquisition. The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for agricultural real estate, 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 agricultural real estate 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.
84
Other commercial - There was a decrease in the historical loss factor for other commercial loans when comparing 2014 and 2015. The specific reserve for other commercial loans increased from 2014 to 2015. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for other commercial loans due to an increase in the unemployment rates in the local economy during 2015 and the reduction in natural gas exploration and extraction activity. 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 the amount of loans classified as substandard. The qualitative factor for levels of and trends in charge-offs and recoveries was decreased for other commercial 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 other commercial loans real estate, due to the length of time employees involved throughout the loan process have been in their positions.
Other agricultural - There were no changes in the historical loss factor or specific reserve for other agricultural loans from 2014 to 2015. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for other agricultural real estate loans due to an increase in the unemployment rates in the local economy during 2015 and the reduction in natural gas exploration and extraction activity. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for other agricultural loans to the decrease in the amount of loans classified as substandard, excluding loans acquired as part of the FNB acquisition. The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for 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 other agricultural 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.
Municipal loans - There were no changes in the historical loss factor or specific reserve for municipal loans from 2014 to 2015. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for municipal loans due to an increase in the unemployment rates in the local economy during 2015 and the reduction in natural gas exploration and extraction activity.
2014
Residential - There was a decrease in the historical loss factor for residential loans when comparing 2013 and 2014. The specific reserve for residential loans decreased slightly between 2013 and 2014. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for residential loans due to a decrease in both local and state unemployment rates during 2014.
Commercial real estate– There was an increase in the historical loss factor for commercial real estate loans when comparing 2013 and 2014. The specific reserve for commercial real estate loans decreased between 2013 and 2014. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for commercial real estate loans due to a decrease in both local and state unemployment rates during 2014. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was decreased for commercial real estate loans due to the decrease in the Company's classified loans and a decrease in the amount of loans past due. This was the primary cause of the negative provisions of $63,000 for commercial real estate loans. The qualitative factor for levels of and trends in charge-offs and recoveries was increased for commercial real estate 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 commercial real estate loans due to the length of time employees involved throughout the loan process have been in their positions.
85
Agricultural real estate – There were no changes in the historical loss factor or specific reserves for agricultural real estate loans from 2013 to 2014. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for agricultural real estate loans due to a decrease in both local and state unemployment rates during 2014. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was decreased for agricultural real estate loans due to the decrease in the Company's classified loans and a decrease in the amount of loans past due. This was the primary cause of the negative provisions of $124,000 for agricultural real estate loans. The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for agricultural real estate 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 decreased for agricultural real estate loans due to the improvement in the agricultural economy as reflected by milk and commodity prices and our customers financial results.
Other commercial - There was an increase in the historical loss factor for other commercial loans when comparing 2013 and 2014. There was no change in the specific reserve for other commercial loans from 2013 to 2014. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for other commercial loans due to a decrease in both local and state unemployment rates during 2014. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial loans due to the increase in the Company's classified loans and loans past due. 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 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 other commercial loans due to the length of time employees involved throughout the loan process have been in their positions.
Other agricultural - There was no change in the historical loss factor or specific reserves for other agricultural loans from 2013 to 2014. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for other agricultural real estate loans due to a decrease in both local and state unemployment rates during 2014. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was decreased for other agricultural real estate loans due to the decrease in the Company's classified loans and a decrease in the amount of loans past due. This was the primary cause of the negative provisions of $39,000 for other agricultural real estate loans. The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for 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 decreased for other agricultural loans due to the improvement in the agricultural economy as reflected by milk and commodity prices and our customers financial results.
Municipal loans - There was no changes in the historical loss factor or specific reserve for municipal loans from 2013 to 2014. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for municipal loans due to a decrease in both local and state unemployment rates during 2014. The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for municipal loans due to the length of time employees involved throughout the loan process have been in their positions.
5. PREMISES & EQUIPMENT
Premises and equipment at December 31, 2016 and 2015 are summarized as follows (in thousands):
 
  
December 31,
  
 
  
2016
    
2015
  
Land
  
$
5,110
    
$
5,110
  
Buildings
    
17,315
      
17,349
  
Furniture, fixtures and equipment
    
6,678
      
6,636
  
Construction in process
    
5
      
88
  
 
    
29,108
      
29,183
  
Less: accumulated depreciation
    
12,078
      
11,920
  
Premises and equipment, net
  
$
17,030
    
$
17,263
  
Depreciation expense amounted to $763,000, $608,000 and $537,000 for 2016, 2015 and 2014, respectively.
86
6. GOODWILL AND OTHER INTANGIBLE ASSETS
The following table provides the gross carrying value and accumulated amortization of intangible assets as of December 31, 2016 and 2015 (in thousands):
 
  
December 31, 2016
    
December 31, 2015
  
 
  
Gross
carrying
value
   
Accumulated amortization
   
Net carrying
value
   
Gross
carrying
value
   
Accumulated
amortization
   
Net
carrying
value
 
Amortized intangible assets (1):
                                    
MSRs
  
$
1,471
    
$
(787
)
  
$
684
    
$
1,336
    
$
(638
)
  
$
698
  
Core deposit intangibles
    
1,641
      
(320
)
    
1,321
      
1,641
      
(25
)
    
1,616
  
Covenant not to compete
    
125
      
(34
)
    
91
      
125
      
(2
)
    
123
  
Total amortized intangible assets
  
$
3,237
    
$
(1,141
)
  
$
2,096
    
$
3,102
    
$
(665
)
  
$
2,437
  
Unamortized intangible assets:
                                                
Goodwill
  
$
21,089
                    
$
21,089
                  
(1) Excludes fully amortized intangible assets
                                                
The following table provides the current year and estimated future amortization expense for the next five years of amortized intangible assets (in thousands). We based our projections of amortization expense shown below on existing asset balances at December 31, 2016. Future amortization expense may vary from these projections:
 

 
  
MSRs
    
Core deposit intangibles
   
Covenant not to compete
    
Total
 
Year ended December 31, 2016 (actual)
  
$
173
    
$
295
    
$
32
    
$
500
  
Estimate for year ended December 31,
                                
2017
    
177
      
266
      
31
      
474
  
2018
    
143
      
236
      
30
      
409
  
2019
    
113
      
206
      
30
      
349
  
2020
    
87
      
177
      
-
      
264
  
2021
    
64
      
147
      
-
      
211
  
7. FEDERAL HOME LOAN BANK (FHLB) 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 December 31, 2016 and 2015, the Bank held $4,542,000 and $2,800,000, respectively, of FHLB stock. 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.
87
8. DEPOSITS
The following table shows the breakdown of deposits as of December 31, 2016 and 2015, by deposit type (in thousands):
 
 
  
2016
    
2015
  
Non-interest-bearing deposits
  
$
147,425
    
$
150,960
  
NOW accounts
    
305,862
      
279,655
  
Savings deposits
    
170,722
      
170,277
  
Money market deposit accounts
    
116,880
      
105,229
  
Certificates of deposit
    
264,614
      
281,910
  
Total
  
$
1,005,503
    
$
988,031
  
Certificates of deposit of $250,000 or more amounted to $56,743,000 and $51,818,000 at December 31, 2016 and 2015, respectively.
Following are maturities of certificates of deposit as of December 31, 2016 (in thousands):
2017
  
$
128,641
  
2018
    
47,673
  
2019
    
35,722
  
2020
    
25,036
  
2021
    
22,587
  
Thereafter
    
4,955
  
Total certificates of deposit
  
$
264,614
  
9. BORROWED FUNDS AND REPURCHASE AGREEMENTS
The following table shows the breakdown of borrowed funds as of December 31, 2016 and 2015, (dollars in thousands):
 
  
Securities
                                      
 
  
Sold Under
                                  
Total
  
 
  
Agreements to
    
FHLB
    
Federal Funds
    
FRB
    
Notes
    
Term
    
Borrowed
  
 
  
Repurchase(a)
    
Advances(b)
    
Line (c)
    
BIC Line (d)
    
Payable(e)
    
Loans(f)
    
Funds
  
2016
                                          
Balance at December 31
  
$
14,307
    
$
41,330
    
$
-
    
$
-
    
$
7,500
    
$
16,525
    
$
79,662
  
Highest balance at any month-end
    
16,132
      
45,125
      
-
      
-
      
7,500
      
16,525
      
85,282
  
Average balance
    
15,057
      
7,917
      
2
      
3
      
7,500
      
16,525
      
47,004
  
Weighted average interest rate:
                                                        
    Paid during the year
    
0.49
%
    
0.63
%
    
0.76
%
    
1.00
%
    
3.55
%
    
2.44
%
    
1.69
%
    As of year-end
    
0.67
%
    
0.74
%
    
0.00
%
    
0.00
%
    
3.79
%
    
2.44
%
    
1.36
%
2015
                                                        
Balance at December 31
  
$
16,008
    
$
1,598
    
$
-
    
$
-
    
$
7,500
    
$
16,525
    
$
41,631
  
Highest balance at any month-end
    
16,008
      
26,996
      
-
      
-
      
7,500
      
20,569
      
71,073
  
Average balance
    
5,998
      
5,218
      
-
      
-
      
7,500
      
17,984
      
36,700
  
Weighted average interest rate:
                                                        
    Paid during the year
    
0.82
%
    
0.35
%
    
0.00
%
    
0.77
%
    
3.14
%
    
2.25
%
    
1.93
%
    As of year-end
    
0.45
%
    
0.43
%
    
0.00
%
    
0.00
%
    
3.33
%
    
2.40
%
    
1.74
%

(a)    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.
88
The collateral pledged on the repurchase agreements by the remaining contractual maturity of the repurchase agreements in the Consolidated Balance Sheets as of December 31, 2016 and December 31, 2015 is presented in the following tables.

   
Remaining Contractual Maturity of the Agreements
  
   
Overnight and
    
Up to
          
Greater than
        
2016
  
Continuous
    
30 Days
    
30 - 90 Days
    
90 days
    
Total
  
Repurchase Agreements:
                              
U.S. agency securities
  
$
16,118
    
$
-
    
$
-
    
$
2,059
    
$
18,177
  
Total carrying value of collateral pledged
  
$
16,118
    
$
-
    
$
-
    
$
2,059
    
$
18,177
  
                                         
Total liability recognized for repurchase agreements
                                  
$
14,307
  
                                         
2015
                                        
Repurchase Agreements:
                                        
U.S. agency securities
  
$
18,144
    
$
-
    
$
-
    
$
2,049
    
$
20,193
  
Total carrying value of collateral pledged
  
$
18,144
    
$
-
    
$
-
    
$
2,049
    
$
20,193
  
                                         
Total liability recognized for repurchase agreements
                                  
$
16,008
  
(b)    FHLB Advances consist of an "Open RepoPlus" agreement with the FHLB of Pittsburgh. FHLB "Open RepoPlus" advances are short-term borrowings that bear interest based on the FHLB discount rate or Federal Funds rate, whichever is higher.  The Company has a borrowing limit of $343,209,000, inclusive of any outstanding advances. FHLB advances are secured by a blanket security agreement that includes the Company's FHLB stock, as well as certain investment and mortgage-backed securities held in safekeeping at the FHLB and certain residential and commercial mortgage loans.
(c)    The federal funds line consists of an unsecured line from a third party bank at market rates.  The Company has a borrowing limit of $10,000,000, inclusive of any outstanding balances.  No specific collateral is required to be pledged for these borrowings.
(d)    The Federal Reserve Bank Borrower in Custody (FRB BIC) Line consists of a borrower in custody in agreement open in January 2010 with the Federal Reserve Bank of Philadelphia secured by municipal loans maintained in the Company's possession.  As of December 31, 2016 and 2015, the Company has a borrowing limit of $4,360,000 and $7,949,000, respectively, inclusive of any outstanding advances. The approximate carrying value of the municipal loan collateral was $15,560,000 and $16,146,000 as of December 31, 2016 and 2015, respectively.
(e)    In December 2003, the Company formed a special purpose entity ("Entity") to issue $7,500,000 of floating rate obligated mandatory redeemable trust preferred securities as part of a pooled offering.  The rate was determined quarterly and floated based on the 3 month LIBOR plus 2.80.   The Entity may redeem them, in whole or in part, at face value after December 17, 2008, and on a quarterly basis thereafter.  The Company borrowed the proceeds of the issuance from the Entity in December 2003 in the form of a $7,500,000 note payable.  Debt issue costs of $75,000 have been capitalized and fully amortized as of December 31, 2008.  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.
(f)    Term Loans consist of separate loans with the FHLB of Pittsburgh as follows (in thousands):
     
  
  
December 31,
    
December 31,
  
Interest Rate
    
Maturity
  
2016
    
2015
  
Fixed:
    
 
            
 
2.29
%
  
October 2, 2017
    
2,000
      
2,000
  
 
2.72
%
  
July 12, 2018
    
1,000
      
1,000
  
 
1.87
%
  
February 4, 2019
    
2,000
      
2,000
  
 
2.61
%
  
February 3, 2021
    
2,000
      
2,000
  
 
3.52
%
  
July 12, 2021
    
2,000
      
2,000
  
 
2.37
%
  
August 20, 2021
    
2,800
      
2,800
  
 
2.08
%
  
January 6, 2022
    
4,725
      
4,725
  
Total term loans
  
$
16,525
    
$
16,525
  
89
Following are maturities of borrowed funds as of December 31, 2016 (in thousands):
2017
  
$
64,033
  
2018
    
1,000
  
2019
    
2,000
  
2020
    
570
  
2021
    
7,334
  
Thereafter
    
4,725
  
Total borrowed funds
  
$
79,662
  
10. EMPLOYEE BENEFIT PLANS
Noncontributory Defined Benefit Pension Plan
The Bank sponsors a trusteed, noncontributory defined benefit pension plan covering substantially all employees and officers hired prior to January 1, 2007. Additionally, the Bank assumed the noncontributory defined benefit pension plan of FNB when it was acquired during 2015. The FNB plan was frozen prior to the acquisition and therefore, no additional benefits will accrue for employees covered under that plan. These two plans are collectively referred to herein as "the Plans".  The pension plans call for benefits to be paid to eligible employees at retirement based primarily upon years of service with the Bank 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 Bank's funding policy is to make annual contributions, if needed, based upon the funding formula developed by the pension plans' actuary. For the years ended December 31, 2016, 2015 and 2014, contributions to the pension plans totaled $818,000, $400,000 and $300,000, respectively.
In lieu of the pension plan, employees with a hire date of January 1, 2007 or later are eligible to receive, after meeting 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 is placed in a separate account within the 401(k) plan and is subject to a vesting requirement. Contributions by the Company totaled $82,000, $61,000 and $46,000 for 2016, 2015 and 2014, respectively.
The following table sets forth the obligation and funded status as of December 31 (in thousands):
 
  
2016
    
2015
  
             
Change in benefit obligation
            
Benefit obligation at beginning of year
  
$
17,809
    
$
11,777
  
Benefit obligation acquired as part of FNB acquisition
    
-
      
6,377
  
Service cost
    
345
      
352
  
Interest cost
    
692
      
424
  
Actuarial (Gain) / Loss
    
439
      
(456
)
Benefits paid
    
(682
)
    
(665
)
Benefit obligation at end of year
    
18,603
      
17,809
  
                 
Change in plan assets
                
Fair value of plan assets at beginning of year
    
14,786
      
11,039
  
Fair value of plan assets at acquisition
    
-
      
4,053
  
Actual return (loss) on plan assets
    
864
      
(41
)
Employer contribution
    
818
      
400
  
Benefits paid
    
(682
)
    
(665
)
Fair value of plan assets at end of year
    
15,786
      
14,786
  
                 
Funded status
  
$
(2,817
)
  
$
(3,023
)
90
Amounts not yet recognized as a component of net periodic pension cost as of December 31 (in thousands):

Amounts recognized in accumulated other
            
comprehensive loss consists of:
  
2016
    
2015
  
Net loss
  
$
4,263
    
$
3,919
  
Prior service cost
    
(175
)
    
(222
)
Total
  
$
4,088
    
$
3,697
  
The accumulated benefit obligation for the defined benefit pension plan was $18,603,000 and $17,809,000 at December 31, 2016 and 2015, respectively.
The components of net periodic benefit costs for the years ended December 31 are as follows (in thousands):
 
  
2016
    
2015
    
2014
  
                   
Service cost
  
$
345
    
$
352
    
$
307
  
Interest cost
    
692
      
424
      
415
  
Return on plan assets
    
(1,034
)
    
(791
)
    
(786
)
Net amortization and deferral
    
219
      
205
      
51
  
Net periodic benefit cost
  
$
222
    
$
190
    
$
(13
)
The estimated net loss and prior service cost that will be amortized from accumulated other comprehensive loss into the net periodic benefit cost in 2017 is $286,000 and $(47,000), respectively.
The weighted-average assumptions used to determine benefit obligations at December 31, 2016 and 2015 is summarized in the following table. The change in the discount rate is the primary driver of the actuarial loss that occurred in 2016 of $439,000.
 
 
 
2016
 
2015
Discount rate
 
3.78%
 
3.94%
Rate of compensation increase
 
3.00%
 
3.00%
The weighted-average assumptions used to determine net periodic benefit cost (income) for the year ended December 31:
 
 
 
2016
 
2015
 
          2014
Discount rate
 
3.94%
 
3.61%
 
4.30%
Expected long-term return on plan assets
 
7.00%
 
7.00%
 
7.50%
Rate of compensation increase
 
3.00%
 
3.00%
 
3.00%
The long-term rate of return on plan assets gives consideration to returns currently being earned on plan assets as well as future rates expected to be earned.  The investment objective is to maximize total return consistent with the interests of the participants and beneficiaries, and prudent investment management.  The allocation of the pension plan assets is determined on the basis of sound economic principles and is continually reviewed in light of changes in market conditions.  Asset allocation favors equity securities, with a target allocation of 50-70%.  The target allocation for debt securities is 30-50%.  At December 31, 2016, the pension plan had a sufficient cash and money market position in order to re-allocate the equity portfolio for diversification purposes and reduce risk in the total portfolio.  The following table sets forth by level, within the fair value hierarchy as defined in footnote 17, the Plan's assets at fair value as of December 31, 2016 and 2015 (in thousands):
91
2016
  
Level I
    
Level II
    
Level III
    
Total
    
Allocation
  
Assets
                              
     Cash and cash equivalents
  
$
863
    
$
-
    
$
-
    
$
863
      
5.5
%
     Equity securities
    
5,404
      
-
      
-
      
5,404
      
34.1
%
     Mutual funds and ETF's
    
5,235
      
-
      
-
      
5,235
      
33.2
%
     Corporate bonds
    
-
      
3,641
      
-
      
3,641
      
23.1
%
     Municipal bonds
            
107
              
107
      
0.7
%
     U.S. Agency securities
    
-
      
536
      
-
      
536
      
3.4
%
     Total
  
$
11,502
    
$
4,284
    
$
-
    
$
15,786
      
100.0
%

2015
  
Level I
    
Level II
    
Level III
    
Total
    
Allocation
  
Assets
                              
     Cash and cash equivalents
  
$
1,704
    
$
-
    
$
-
    
$
1,704
      
11.5
%
     Equity securities
    
3,821
      
-
      
-
      
3,821
      
25.8
%
     Mutual funds and ETF's
    
6,085
      
-
      
-
      
6,085
      
41.3
%
     Corporate bonds
    
-
      
3,019
      
-
      
3,019
      
20.4
%
     Municipal bonds
            
107
              
107
      
0.7
%
     U.S. Agency securities
    
-
      
50
      
-
      
50
      
0.3
%
     Total
  
$
11,610
    
$
3,176
    
$
-
    
$
14,786
      
100.0
%
Equity securities include the Company's common stock in the amounts of $548,000 (3.5% of total plan assets) and $502,000 (3.4% of total plan assets) at December 31, 2016 and 2015, respectively.
The Bank expects to contribute $520,000 to its pension plans in 2017.  Expected future benefit payments that the Bank estimates from its pension plan are as follows (in thousands):
2017
  
$
733
  
2018
    
591
  
2019
    
1,820
  
2020
    
1,549
  
2021
    
1,403
  
2022 - 2026
    
7,407
  
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 $351,000, $285,000 and $267,000 for 2016, 2015 and 2014, 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 deferred compensation plan earn interest based upon the highest current rate offered to certificate of deposit customers.  Amounts deferred under the deferred compensation plan are not guaranteed and represent a general liability of the Company.  As of December 31, 2016 and 2015, an obligation of $940,000 and $958,000, respectively, was included in other liabilities for this plan in the Consolidated Balance Sheet. Amounts included in interest expense on the deferred amounts totaled $15,000, $22,000 and $20,000 for the years ended December 31, 2016, 2015 and 2014, respectively.
92
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 maybe subject to certain vesting requirements including in the case of employees, continuous employment or service with the Company.  In April of 2016, the Company's shareholders authorized a total of 150,000 shares of the Company's common stock to be made available under the Plan. As of December 31, 2016, 145,890 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 2016:
 
  
2016
  
 
        
Weighted
  
 
        
Average
  
 
  
Shares
    
Market Price
  
Outstanding, beginning of year
    
8,269
    
$
49.98
  
Granted
    
4,110
      
48.13
  
Forfeited
    
(90
)
    
49.26
  
Increase due to stock dividends
    
-
      
-
  
Vested
    
(3,818
)
    
49.95
  
Outstanding, end of year
    
8,471
    
$
49.10
  
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 $193,000, $172,000 and $157,000 for the years ended December 31, 2016, 2015 and 2014, respectively. The per share weighted-average grant-date fair value of restricted shares granted during 2016, 2015 and 2014 was $48.13, $49.02 and $52.82, respectively.  At December 31, 2016, the total compensation cost related to nonvested awards that has not yet been recognized was $416,000, which is expected to be recognized over the next 3 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 December 31, 2016 and 2015, an obligation of $1,460,000 and   $1,339,000, respectively, was included in other liabilities for the SERP in the Consolidated Balance Sheet.  Expenses related to the SERP totaled $121,000, $141,000 and $152,000 for the years ended December 31, 2016, 2015 and 2014.
Salary Continuation Plan
The Company maintains a salary continuation plan for certain employees acquired through the acquisition of the FNB.  At December 31, 2016 and 2015 an obligation of $720,000 and $710,000, respectively, was included in other liabilities for this plan in the Consolidated Balance Sheet.  Expenses related to the salary continuation plan totaled $62,000 for the year ended December 31, 2016. There were no expenses related to this plan during the years ended December 31, 2015 and 2014.
Continuation of Life Insurance Plan
The Company, as part of the acquisition of FNB, has promised a continuation of life insurance coverage to certain persons post-retirement. GAAP requires the recording of post-retirement costs and a liability equal to the present value of the cost of post-retirement insurance during the person's term of service. The estimated present value of future benefits to be paid totaled $569,000 and $574,000 at December 31, 2016 and 2015, respectively, which is included in other liabilities in the Consolidated Balance Sheet. There were no expenses related to this plan during the years ended December 31, 2016, 2015 and 2014.
93
11. INCOME TAXES
The provision for income taxes consists of the following (in thousands):
 
  
Year Ended December 31,
  
 
  
2016
    
2015
    
2014
  
Currently payable
  
$
2,672
    
$
2,913
    
$
3,081
  
Deferred tax liability (asset)
    
362
      
(192
)
    
478
  
Provision for income taxes
  
$
3,034
    
$
2,721
    
$
3,559
  
The following temporary differences gave rise to the net deferred tax asset and liabilities at December 31, 2016 and 2015, respectively (in thousands):
 
  
2016
    
2015
  
Deferred tax assets:
            
    Allowance for loan losses
  
$
4,518
    
$
4,238
  
    Deferred compensation
    
757
      
772
  
    Merger & acquisition costs
    
16
      
20
  
    Allowance for losses on available-for-sale securities
    
250
      
436
  
    Pension and other retirement obligation
    
1,454
      
1,483
  
    Interest on non-accrual loans
    
1,259
      
1,001
  
    Incentive plan accruals
    
421
      
362
  
    Other real estate owned
    
152
      
136
  
    Low income housing tax credits
    
94
      
63
  
    NOL carry forward
    
709
      
950
  
    AMT Credit Carryforward
    
8
      
152
  
    Other
    
156
      
157
  
          Total
  
$
9,794
    
$
9,770
  
 
                
Deferred tax liabilities:
                
    Premises and equipment
  
$
(998
)
  
$
(919
)
    Investment securities accretion
    
(189
)
    
(177
)
    Loan fees and costs
    
(369
)
    
(154
)
    Goodwill and core deposit intangibles
    
(3,573
)
    
(3,594
)
    Mortgage servicing rights
    
(233
)
    
(238
)
    Unrealized gains on available-for-sale securities
    
(673
)
    
(1,135
)
    Other
    
(17
)
    
(44
)
           Total
    
(6,052
)
    
(6,261
)
Deferred tax asset, net
  
$
3,742
    
$
3,509
  
No valuation allowance was established at December 31, 2016 and 2015, due to the Company's ability to carryback to taxes paid in previous years and certain tax strategies, coupled with the anticipated future taxable income as evidenced by the Company's earnings potential.
The total provision for income taxes is different from that computed at the statutory rates due to the following items (in thousands):
 
  
Year Ended December 31,
  
 
  
2016
    
2015
    
2014
  
Provision at statutory rates on
                  
  pre-tax income
  
$
5,328
    
$
4,878
    
$
5,761
  
Effect of tax-exempt income
    
(1,943
)
    
(1,915
)
    
(1,865
)
Low income housing tax credits
    
(198
)
    
(198
)
    
(198
)
Bank owned life insurance
    
(234
)
    
(214
)
    
(172
)
Nondeductible interest
    
55
      
61
      
60
  
Nondeductible merger and acquisition expenses
    
-
      
102
      
-
  
Other items
    
26
      
7
      
(27
)
Provision for income taxes
  
$
3,034
    
$
2,721
    
$
3,559
  
Statutory tax rates
    
34
%
    
34
%
    
34
%
Effective tax rates
    
19.4
%
    
19.0
%
    
21.0
%
94
The Company prescribes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than 50 percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. There is currently no liability for uncertain tax positions and no known unrecognized tax benefits. With limited exception, the Company's federal and state income tax returns for taxable years through 2012 have been closed for purposes of examination by the federal and state taxing authorities.
Investments in Qualified Affordable Housing Projects
As of December 31, 2016 and 2015, 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 $700,000 and $959,000 as of December 31, 2016 and 2015, respectively. Investments purchased prior to January 1, 2015, are accounted for utilizing the effective yield method. As of December 31, 2016, the Company has $846,000 of tax credits remaining that will be recognized over six years. Tax credits of $198,000 were recognized as a reduction of tax expense during 2016 and 2015. Included within other expenses on the Consolidated Statement of Income was $259,000 of amortization of the investments in qualified affordable housing projects for 2016 and 2015.
12. OTHER COMPREHENSIVE INCOME
The components of accumulated other comprehensive loss, net of tax, as of December 31, were as follows (in thousands):
 
  
2016
    
2015
  
Net unrealized gain on securities available for sale
  
$
1,979
    
$
3,339
  
Tax effect
    
673
      
1,135
  
Net -of-tax amount
    
1,306
      
2,204
  
                 
Unrecognized pension costs
    
(4,088
)
    
(3,697
)
Tax effect
    
(1,390
)
    
(1,257
)
Net -of-tax amount
    
(2,698
)
    
(2,440
)
                 
Total accumulated other comprehensive loss
  
$
(1,392
)
  
$
(236
)

95
The following tables present the changes in accumulated other comprehensive loss by component net of tax for the years ended December 31, 2016, 2015 and 2014 (in thousands):
   
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)
    
3,608
      
(1,243
)
    
2,365
  
Amounts reclassified from accumulated other
                        
     comprehensive income (loss) (net of tax)
    
(407
)
    
34
      
(373
)
Net current period other comprehensive income (loss)
    
3,201
      
(1,209
)
    
1,992
  
Balance as of December 31, 2014
  
$
3,093
    
$
(2,326
)
  
$
767
  
                         
Balance as of December 31, 2014
  
$
3,093
    
$
(2,326
)
  
$
767
  
Other comprehensive loss before reclassifications (net of tax)
    
(606
)
    
(249
)
    
(855
)
Amounts reclassified from accumulated other
                        
     comprehensive income (loss) (net of tax)
    
(283
)
    
135
      
(148
)
Net current period other comprehensive loss
    
(889
)
    
(114
)
    
(1,003
)
Balance as of December 31, 2015
  
$
2,204
    
$
(2,440
)
  
$
(236
)
                         
Balance as of December 31, 2015
  
$
2,204
    
$
(2,440
)
  
$
(236
)
Other comprehensive loss before reclassifications (net of tax)
    
(730
)
    
(403
)
    
(1,133
)
Amounts reclassified from accumulated other
                        
     comprehensive loss (net of tax)
    
(168
)
    
145
      
(23
)
Net current period other comprehensive loss
    
(898
)
    
(258
)
    
(1,156
)
Balance as of December 31, 2016
  
$
1,306
    
$
(2,698
)
  
$
(1,392
)
                         
(a) Amounts in parentheses indicate debits on the consolidated balance sheet.
                  
The following table presents the significant amounts reclassified out of each component of accumulated other comprehensive loss for the years ended December 31, 2016, 2015 and 2014:
Details about accumulated other comprehensive loss
  
Amount reclassified from accumulated comprehensive loss (a)
  
Affected line item in the Consolidated Statement of Income
   
December 31,
    
   
2016
    
2015
    
2014
    
Unrealized gains and losses on available for sale securities
                       
   
$
255
    
$
429
    
$
616
  
Investment securities gains, net
     
(87
)
    
(146
)
    
(209
)
Provision for income taxes
   
$
168
    
$
283
    
$
407
  
Net of tax
                               
Defined benefit pension items
                             
   
$
(219
)
  
$
(205
)
  
$
(51
)
Salaries and employee benefits
     
74
      
70
      
17
  
Provision for income taxes
   
$
(145
)
  
$
(135
)
  
$
(34
)
Net of tax
Total reclassifications
  
$
23
    
$
148
    
$
373
    
                               
(a) Amounts in parentheses indicate debits.
             
96
13. RELATED PARTY TRANSACTIONS
Certain executive officers and directors of the Company, or companies in which they have 10 percent or more beneficial ownership, were indebted to the Bank.  Such loans were made in the ordinary course of business at the Bank's normal credit terms and do not present more than a normal risk of collection.  A summary of loan activity for the years ended December 31, 2016 and 2015 with officers, directors, stockholders and associates of such persons is listed below (in thousands):
   
Year Ended December 31,
  
 
  
2016
    
2015
  
Balance, beginning of year
  
$
5,343
    
$
4,314
  
  New loans
    
4,512
      
5,828
  
  Repayments
    
(4,285
)
    
(4,799
)
Balance, end of year
  
$
5,570
    
$
5,343
  
14. REGULATORY MATTERS
Dividend Restrictions:
The approval of the Federal Reserve Board is required for a bank to pay dividends up to the Company if the total of all dividends declared in any calendar year exceeds the Bank's net income (as defined) for that year combined with its retained net income for the preceding two calendar years. Under this formula, the Bank can declare dividends in 2017 without approval of the FRB or PDB of approximately $13,925,000, plus the Bank's 2017 year-to-date net income at the time of the dividend declaration.
Loans:
The Bank is subject to regulatory restrictions which limit its ability to loan funds to the Company.  At December 31, 2016, the Bank's regulatory lending limit amounted to approximately $17,631,000.
Regulatory Capital Requirements:
Federal regulations require the Company and the Bank to maintain minimum amounts of capital. Specifically, each is required to maintain certain minimum dollar amounts and ratios of Total, Tier I and Common Equity Tier I capital to risk-weighted assets and of Tier I capital to average total assets.
In addition to the capital requirements, the Federal Deposit Insurance Corporation Improvement Act (FDICIA) established five capital categories ranging from "well capitalized" to "critically under-capitalized." Should any institution fail to meet the requirements to be considered "adequately capitalized", it would become subject to a series of increasingly restrictive regulatory actions.
As of December 31, 2016 and 2015, the FRB categorized the Company and the Bank as well capitalized, under the regulatory framework for prompt corrective action.  To be categorized as a well capitalized financial institution, Total risk-based, Tier I risk-based, Common Equity Tier I risk based and Tier I leverage capital ratios must be at least 10%, 8%, 6.5% and 5%, respectively.
The Company and Bank's computed risk‑based capital ratios are as follows as of December 31, 2016 and 2015 (dollars in thousands):
97
 
 
  
Actual
    
For Capital Adequacy
Purposes
    
To Be Well Capitalized
Under Prompt Corrective
Action Provisions
  
2016
  
Amount
    
Ratio
    
Amount
    
Ratio
    
Amount
    
Ratio
  
Total Capital (to Risk Weighted Assets):
  
Company
  
$
121,717
      
14.93
%
  
$
65,217
      
8.00
%
  
$
81,522
      
10.00
%
  Bank
  
$
117,537
      
14.46
%
  
$
65,020
      
8.00
%
  
$
81,275
      
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
  
Company
  
$
112,599
      
13.81
%
  
$
48,913
      
6.00
%
  
$
65,217
      
8.00
%
  Bank
  
$
108,419
      
13.34
%
  
$
48,765
      
6.00
%
  
$
65,020
      
8.00
%
Common Equity Tier 1 Capital (to Risk Weighted Assets):
  
Company
  
$
105,099
      
12.89
%
  
$
36,685
      
4.50
%
  
$
52,989
      
6.50
%
  Bank
  
$
108,419
      
13.34
%
  
$
36,574
      
4.50
%
  
$
52,829
      
6.50
%
Tier 1 Capital (to Average Assets):
  
Company
  
$
112,599
      
9.46
%
  
$
47,586
      
4.00
%
  
$
59,483
      
5.00
%
  Bank
  
$
108,419
      
9.13
%
  
$
39,006
      
4.00
%
  
$
48,757
      
5.00
%
 
                                                
2015
                                                
Total Capital (to Risk Weighted Assets):
  
Company
  
$
114,886
      
16.23
%
  
$
56,630
      
8.00
%
  
$
70,787
      
10.00
%
  Bank
  
$
108,232
      
15.34
%
  
$
56,443
      
8.00
%
  
$
70,554
      
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
  
Company
  
$
107,612
      
15.20
%
  
$
42,472
      
6.00
%
  
$
56,630
      
8.00
%
  Bank
  
$
100,958
      
14.31
%
  
$
42,332
      
6.00
%
  
$
56,443
      
8.00
%
Common Equity Tier 1 Capital (to Risk Weighted Assets):
  
Company
  
$
100,112
      
14.14
%
  
$
31,854
      
4.50
%
  
$
46,012
      
6.50
%
  Bank
  
$
100,958
      
14.31
%
  
$
31,749
      
4.50
%
  
$
45,860
      
6.50
%
Tier 1 Capital (to Average Assets):
  
Company
  
$
107,612
      
11.01
%
  
$
39,083
      
4.00
%
  
$
48,854
      
5.00
%
  Bank
  
$
100,958
      
10.35
%
  
$
39,006
      
4.00
%
  
$
48,757
      
5.00
%
This annual report has not been reviewed, or confirmed for accuracy or relevance, by the Federal Deposit Insurance Corporation.
15. COMMITMENTS AND CONTINGENT LIABILITIES
The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. These instruments involve, to varying degrees, elements of credit and interest rate or liquidity risk in excess of the amount recognized in the consolidated balance sheet.
Credit Extension Commitments
The Company's exposure to credit loss from nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contractual amount of these instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. Financial instruments, whose contract amounts represent credit risk at December 31, 2016 and 2015, are as follows (in thousands):
98
 
 
  
2016
    
2015
  
Commitments to extend credit
  
$
206,505
    
$
143,134
  
Standby letters of credit
    
14,955
      
13,751
  
 
  
$
221,460
    
$
156,885
  
Commitments to extend credit are legally binding agreements to lend to customers. Commitments generally have fixed expiration dates or other termination clauses and may require payment of fees. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future liquidity requirements. The Company evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained if deemed necessary by the Company on extension of credit is based on management's credit assessment of the counter party.
Standby letters of credit are conditional commitments issued by the Company to guarantee a financial agreement between a customer and a third party.  Performance letters of credit represent conditional commitments issued by the Bank to guarantee the performance of a customer to a third party.  These instruments are issued primarily to support bid or performance related contracts.  The coverage period for these instruments is typically a one-year period with an annual renewal option subject to prior approval by management.  Fees earned from the issuance of these letters are recognized during the coverage period.  For secured letters of credit, the collateral is typically Bank deposit instruments or customer business assets.
The Company also offers limited overdraft protection as a non-contractual courtesy which is available to demand deposit accounts in good standing for business, personal or household use.  The non-contractual amount of financial instruments with off-balance sheet risk at December 31, 2016 was $9,124,000.  The Company reserves the right to discontinue this service without prior notice.
Litigation Matters
The Company is subject to lawsuits and claims arising out of its business. There are no legal proceedings or claims currently pending or threatened other than those encountered during the normal course of business, which include various foreclosure proceedings. As a result of these proceedings, it is not unusual for customers to countersue the Bank, which are vigorously challenged by the Bank.
16. OPERATING LEASES
The following schedule shows future minimum rental payments under operating leases with noncancellable terms in excess of one year as of December 31, 2016 (in thousands):
2017
  
$
251
  
2018
    
253
  
2019
    
259
  
2020
    
152
  
2021
    
104
  
Thereafter
    
241
  
Total
  
$
1,260
  
The Company's operating lease obligations represent short and long-term lease and rental payments for facilities. Total rental expense for all operating leases for the years ended December 31, 2016, 2015 and 2014 were $289,000, $175,000 and $171,000, respectively.
99
17. FAIR VALUE OF FINANCIAL INSTRUMENTS
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. In cases where significant credit valuation adjustments are incorporated into the estimation of fair value, reported amounts are classified as Level III inputs.
The following tables present the assets reported on the consolidated balance sheet at their fair value on a recurring basis as of December 31, 2016 and 2015 (in thousands) by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.
2016 
  
Level I
    
Level II
    
Level III
    
Total
  
Fair value measurements on a recurring basis:
                        
Securities available for sale:
                        
     U.S. Agency securities
  
$
-
    
$
170,414
    
$
-
    
$
170,414
  
     U.S. Treasuries securities
    
3,000
      
-
      
-
      
3,000
  
     Obligations of state and
                                
       political subdivisions
    
-
      
96,926
      
-
      
96,926
  
     Corporate obligations
    
-
      
3,050
      
-
      
3,050
  
     Mortgage-backed securities in
                                
       government sponsored entities
    
-
      
37,728
      
-
      
37,728
  
     Equity securities in financial institutions
    
2,899
      
-
      
-
      
2,899
  

100
 2015
  
Level I
    
Level II
    
Level III
    
Total
  
Fair value measurements on a recurring basis:
                        
Securities available for sale:
                        
     U.S. Agency securities
  
$
-
    
$
199,591
    
$
-
    
$
199,591
  
     U.S. Treasuries securities
    
10,082
      
-
      
-
      
10,082
  
     Obligations of state and
                                
       political subdivisions
    
-
      
102,863
      
-
      
102,863
  
     Corporate obligations
    
-
      
14,565
      
-
      
14,565
  
     Mortgage-backed securities in
                                
       government sponsored entities
    
-
      
30,204
      
-
      
30,204
  
     Equity securities in financial institutions
    
2,432
      
-
      
-
      
2,432
  

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 and non-financial liabilities measured at fair value in the second step of a goodwill impairment test, and intangible assets and other non-financial long-lived assets measured at fair value for impairment assessment. Non-financial assets measured at fair value on a non-recurring basis during 2016 and 2015 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.
Assets measured at fair value on a nonrecurring basis as of December 31, 2016 and 2015 (in thousands) are included in the table below:
 2016
  
Level I
    
Level II
    
Level III
    
Total
  
Impaired Loans
  
$
-
    
$
-
    
$
2,033
    
$
2,033
  
Other real estate owned
    
-
      
-
      
839
      
839
  
 
                                
 2015
  
Level I
    
Level II
    
Level III
    
Total
  
Impaired Loans
  
$
-
    
$
-
    
$
894
    
$
894
  
Other real estate owned
    
-
      
-
      
1,197
      
1,197
  
·
Impaired Loans - The Company has measured impairment on impaired loans generally based on the fair value of the loan's collateral.  Fair value is generally determined based upon independent third-party appraisals of the properties. In some cases, management may adjust the appraised value due to the age of the appraisal, changes in market conditions, or observable deterioration of the property since the appraisal was completed.   Additionally, management makes estimates about expected costs to sell the property which are also included in the net realizable value.  If the fair value of the collateral dependent loan is less than the carrying amount of the loan a specific reserve for the loan is made in the allowance for loan losses or a charge-off is taken to reduce the loan to the fair value of the collateral (less estimated selling costs) and the loan is included in the table above as a Level III measurement.  If the fair value of the collateral exceeds the carrying amount of the loan, then the loan is not included in the table above as it is not current being carried at its fair value.
 
101
·
Other Real Estate owned – OREO is carried at the lower of cost or fair value, which is measured at the date foreclosure.  If the fair value of the collateral exceeds the carrying amount of the loan, no charge-off or adjustment is necessary, the loan is not considered to be carried at fair value, and is therefore not included in the table above. If the fair value of the collateral is less than the carrying amount of the loan, management will charge the loan down to its estimated realizable value. The fair value of OREO is based on the appraised value of the property, which is generally unadjusted by management and is based on comparable sales for similar properties in the same geographic region as the subject property, and is included in the above table as a Level II measurement.  In some cases, management may adjust the appraised value due to the age of the appraisal, changes in market conditions, or observable deterioration of the property since the appraisal was completed.  In these cases, the loans are categorized in the above table as Level III measurement since these adjustments are considered to be unobservable inputs. Income and expenses from operations and further declines in the fair value of the collateral subsequent to foreclosure are included in net expenses from OREO.
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.
Quantitative Information about Level 3 Fair Value Measurements
2016
Fair Value
  
Valuation Technique(s)
Unobservable input
Range
Weighted average
Impaired Loans
    2,033
  
Appraised Collateral Values
Discount for time since appraisal
0-65%
28.98%
 
 
  
 
Selling costs
5%-9%
7.56%
 
 
  
 
Holding period
6 - 12 months
11 months
 
 
  
 
 
 
 
Other real estate owned
       839
  
Appraised Collateral Values
Discount for time since appraisal
10-67%
25.45%
 
 
  
 
 
 
 
2015
Fair Value
  
Valuation Technique(s)
Unobservable input
Range
Weighted average
Impaired Loans
       894
  
Appraised Collateral Values
Discount for time since appraisal
0-70%
46.50%
 
 
  
 
Selling costs
4%-10%
7.75%
 
 
  
 
Holding period
12 months
10 months
 
 
  
 
 
 
 
Other real estate owned
    1,197
  
Appraised Collateral Values
Discount for time since appraisal
0-75%
25%
The fair values of the Company's financial instruments are as follows (in thousands):
 
  
Carrying
                          
December 31, 2016
  
Amount
    
Fair Value
    
Level I
    
Level II
    
Level III
  
Financial assets:
                              
Cash and due from banks
  
$
17,754
    
$
17,754
    
$
17,754
    
$
-
    
$
-
  
Interest bearing time deposits with other banks
    
6,955
      
6,960
      
-
      
-
      
6,960
  
Available-for-sale securities
    
314,017
      
314,017
      
5,899
      
308,118
      
-
  
Loans held for sale
    
1,827
      
1,827
      
1,827
      
-
      
-
  
Net loans
    
790,725
      
797,184
      
-
      
-
      
797,184
  
Bank owned life insurance
    
26,223
      
26,223
      
26,223
      
-
      
-
  
Regulatory stock
    
5,306
      
5,306
      
5,306
      
-
      
-
  
Accrued interest receivable
    
4,089
      
4,089
      
4,089
      
-
      
-
  
 
                                        
Financial liabilities:
                                        
Deposits
  
$
1,005,503
    
$
1,004,072
    
$
740,889
    
$
-
    
$
263,183
  
Borrowed funds
    
79,662
      
77,425
      
41,330
      
-
      
36,095
  
Accrued interest payable
    
720
      
720
      
720
      
-
      
-
  
 
 
102
   
Carrying
                          
December 31, 2015
  
Amount
    
Fair Value
    
Level I
    
Level II
    
Level III
  
Financial assets:
                              
Cash and due from banks
  
$
24,384
    
$
24,384
    
$
24,384
    
$
-
    
$
-
  
Interest bearing time deposits with other banks
    
7,696
      
7,705
      
-
      
-
      
7,705
  
Available-for-sale securities
    
359,737
      
359,737
      
12,514
      
347,223
      
-
  
Loans held for sale
    
603
      
603
      
603
                  
Net loans
    
687,925
      
712,524
      
-
      
-
      
712,524
  
Bank owned life insurance
    
25,535
      
25,535
      
25,535
      
-
      
-
  
Regulatory stock
    
3,459
      
3,459
      
3,459
      
-
      
-
  
Accrued interest receivable
    
4,211
      
4,211
      
4,211
      
-
      
-
  
                                         
Financial liabilities:
                                        
Deposits
  
$
988,031
    
$
987,542
    
$
706,121
    
$
-
    
$
281,421
  
Borrowed funds
    
41,631
      
38,863
      
1,598
      
-
      
37,265
  
Accrued interest payable
    
734
      
734
      
734
      
-
      
-
  

Fair value estimates are made at a specific point in time, 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.
Estimated 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 due from banks 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 available-for-sale securities are based on quoted market prices as of the balance sheet date.  For certain instruments, fair value is estimated by obtaining quotes from independent dealers.
103
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.
Fair value for significant nonperforming loans is based on recent external appraisals or estimated cash flows discounted using a rate commensurate with the risk associated with the estimated cash flows. Assumptions regarding credit risk, cash flows, and discount rates are judgmentally determined using available market information and specific borrower information.
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:
The fair value of borrowed funds is based on the discounted value of contractual cash flows. The discount rate is the rates available to the Company for borrowed funds with similar terms and remaining maturities.
18. CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY
The following is condensed financial information for Citizens Financial Services, Inc.:
104
 
CITIZENS FINANCIAL SERVICES, INC.
  
CONDENSED BALANCE SHEET
  
 
  
December 31,
  
(in thousands)
  
2016
    
2015
  
Assets:
            
  Cash
  
$
2,245
    
$
4,593
  
  Available-for-sale securities
    
2,735
      
2,332
  
  Investment in subsidiary:
                
    First Citizens Community Bank
    
125,973
      
120,370
  
  Other assets
    
564
      
557
  
Total assets
  
$
131,517
    
$
127,852
  
 
                
Liabilities:
                
  Other liabilities
  
$
749
    
$
592
  
  Borrowed funds
    
7,500
      
7,500
  
Total liabilities
    
8,249
      
8,092
  
Stockholders' equity
    
123,268
      
119,760
  
Total liabilities and stockholders' equity
  
$
131,517
    
$
127,852
  

CITIZENS FINANCIAL SERVICES, INC.
  
CONDENSED STATEMENT OF INCOME
  
 
  
Year Ended December 31,
  
(in thousands)
  
2016
    
2015
    
2014
  
Dividends from:
                  
  Bank subsidiary
  
$
5,842
    
$
5,582
    
$
14,332
  
  Available-for-sale securities
    
92
      
71
      
56
  
Total income
    
5,934
      
5,653
      
14,388
  
Realized securities gains
    
31
      
76
      
-
  
Expenses
    
463
      
892
      
555
  
Income before equity
                        
  in undistributed earnings
                        
  of subsidiary
    
5,502
      
4,837
      
13,833
  
Equity in undistributed
                        
  earnings - First Citizens Community Bank
    
7,136
      
6,789
      
(448
)
Net income
  
$
12,638
    
$
11,626
    
$
13,385
  
Comprehensive income
  
$
11,482
    
$
10,623
    
$
15,377
  

105
 
CITIZENS FINANCIAL SERVICES, INC.
  
STATEMENT OF CASH FLOWS
  
 
  
Year Ended December 31,
  
(in thousands)
  
2016
    
2015
    
2014
  
Cash flows from operating activities:
                  
  Net income
  
$
12,638
    
$
11,626
    
$
13,385
  
  Adjustments to reconcile net income to net
                        
      cash provided by operating activities:
                        
        Equity in undistributed earnings of subsidiaries
    
(7,136
)
    
(6,789
)
    
448
  
        Investment securities gains
    
(31
)
    
(76
)
    
-
  
        Other, net
    
289
      
322
      
174
  
          Net cash provided by operating activities
    
5,760
      
5,083
      
14,007
  
Cash flows from investing activities:
                        
  Purchases of available-for-sale securities
    
(1
)
    
(901
)
    
(602
)
  Proceeds from the sale of available-for-sale securities
    
201
      
113
      
-
  
          Net cash provided by (used in) investing activities
    
200
      
(788
)
    
(602
)
Cash flows from financing activities:
                        
  Cash dividends paid
    
(5,081
)
    
(5,151
)
    
(6,121
)
  Purchase of treasury stock
    
(3,227
)
    
(2,455
)
    
(814
)
  Purchase of restricted stock
    
-
      
(7
)
    
(170
)
          Net cash used in financing activities
    
(8,308
)
    
(7,613
)
    
(7,105
)
          Net decrease in cash
    
(2,348
)
    
(3,318
)
    
6,300
  
Cash at beginning of year
    
4,593
      
7,911
      
1,611
  
Cash at end of year
  
$
2,245
    
$
4,593
    
$
7,911
  
19. CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED)
The following table presents summarized quarterly financial data for 2016 and 2015:
(in thousands, except share data)
        
Three Months Ended,
        
2016
  
Mar 31
    
June 30
    
Sep 30
    
Dec 31
  
Interest income
  
$
10,462
    
$
10,426
    
$
10,948
    
$
11,169
  
Interest expense
    
1,257
      
1,255
      
1,236
      
1,293
  
Net interest income
    
9,205
      
9,171
      
9,712
      
9,876
  
Provision for loan losses
    
135
      
135
      
500
      
750
  
Non-interest income
    
1,889
      
1,855
      
1,908
      
1,992
  
Investment securities gains, net
    
27
      
128
      
-
      
100
  
Non-interest expenses
    
6,912
      
7,301
      
7,200
      
7,258
  
Income before provision for income taxes
    
4,074
      
3,718
      
3,920
      
3,960
  
Provision for income taxes
    
791
      
687
      
767
      
789
  
Net income
  
$
3,283
    
$
3,031
    
$
3,153
    
$
3,171
  
Earnings Per Share Basic
  
$
0.98
    
$
0.91
    
$
0.94
    
$
0.95
  
Earnings Per Share Diluted
  
$
0.98
    
$
0.91
    
$
0.94
    
$
0.95
  
 
                                

106
 
        
Three Months Ended,
        
2015
  
Mar 31
    
June 30
    
Sep 30
    
Dec 31
  
Interest income
  
$
8,771
    
$
8,768
    
$
8,863
    
$
9,251
  
Interest expense
    
1,184
      
1,207
      
1,218
      
1,211
  
Net interest income
    
7,587
      
7,561
      
7,645
      
8,040
  
Provision for loan losses
    
120
      
120
      
120
      
120
  
Non-interest income
    
1,602
      
1,780
      
1,736
      
1,876
  
Investment securities gains, net
    
126
      
175
      
129
      
(1
)
Non-interest expenses
    
5,335
      
5,428
      
5,852
      
6,814
  
Income before provision for income taxes
    
3,860
      
3,968
      
3,538
      
2,981
  
Provision for income taxes
    
740
      
779
      
681
      
521
  
Net income
  
$
3,120
    
$
3,189
    
$
2,857
    
$
2,460
  
Earnings Per Share Basic
  
$
1.02
    
$
1.04
    
$
0.94
    
$
0.79
  
Earnings Per Share Diluted
  
$
1.02
    
$
1.04
    
$
0.94
    
$
0.79
  
20. ACQUISITION OF FNB
In the second quarter of 2015, the Company announced the signing of a definitive merger agreement to acquire 100% of the outstanding equity interest of FNB for $630 per share in cash and stock. FNB was a Pennsylvania bank that conducted its business from a main office in Lebanon County, Pennsylvania with four branches in Lebanon County, two branches in Schuylkill County, Pennsylvania, and one Branch in Berks County, Pennsylvania.
The transaction closed on December 11, 2015, with FNB having been merged into First Citizens Community Bank, with First Citizens Community Bank as the surviving entity. The acquisition established the Company's presence in the Lebanon, Berks and Schuylkill Counties, Pennsylvania markets.
Under the terms of the merger agreement, the Company acquired all of the outstanding shares of FNB for a total purchase price of approximately $21,603,000.  As a result of the acquisition, the Company issued 336,515 common shares and $5.6 million in cash to the former shareholders of FNB. The shares were issued with a value of $47.50 per share, which was based on the close price of the Company's stock on December 11, 2015.
 The acquired assets and assumed liabilities were measured at estimated fair values. Management made significant estimates and exercised significant judgment in accounting for the acquisition.  Management measured loan fair values based on loan file reviews, appraised collateral values, expected cash flows, and historical loss factors of FNB.  Real estate acquired through foreclosure was primarily valued based on appraised collateral values.  The Company also recorded an identifiable intangible asset representing the core deposit base of FNB based on management's evaluation of the cost of such deposits relative to alternative funding sources.  The Company also recorded an identifiable intangible asset representing a covenant not-to-compete with the former President of FNB. Management used significant estimates including the average lives of depository accounts, future interest rate levels, and the cost of servicing various depository products. Management used market quotations to determine the fair value of investment securities.
 The business combination resulted in the acquisition of loans with and without evidence of credit quality deterioration. FNB's loans were deemed to have credit impairment at the acquisition date if the Company did not expect to receive all contractually required cash flows due to concerns about credit quality.  Such loans were fair valued and the difference between contractually required payments at the acquisition date and cash flows expected to be collected was recorded as a non-accretable difference. At the acquisition date, the Company recorded $3,809,000 of purchased credit-impaired loans. The method of measuring carrying value of purchased loans differs from loans originated by the Company (originated loans), and as such, the Company identifies purchased loans and purchased loans with a credit quality discount and originated loans at amortized cost.
 FNB's loans without evidence of credit deterioration were fair valued by discounting both expected principal and interest cash flows using an observable discount rate for similar instruments that a market participant would consider in determining fair value.  Additionally, consideration was given to management's best estimates of default rates and pre-payment speeds. 
107
The following table summarizes the purchase of FNB as of December 11, 2015: 
(In Thousands, Except Per Share Data)
            
Purchase Price Consideration in Common Stock
            
Citizens Financial Services, Inc. shares issued
    
336,515
        
Value assigned to Citizens Financial Services, Inc. common share
  
$
47.50
        
Purchase price assigned to FNB common shares exchanged for Citizens Financial Services, Inc.
          
$
15,984
  
Purchase Price Consideration - Cash for Common Stock
                
Purchase price assigned to The First National Bank of Fredericksburg common shares exchanged for cash
            
5,619
  
Total Purchase Price
            
21,603
  
Net Assets Acquired:
                
The First National Bank of Fredericksburg shareholders' equity
  
$
12,298
          
Adjustments to reflect assets acquired at fair value:
                
Loans
                
Interest rate
    
31
          
General credit
    
(1,362
)
        
Specific credit - non-amortizing
    
(2,495
)
        
Specific credit - amortizing
    
(665
)
        
Core deposit intangible
    
1,641
          
Covenant not to compete
    
125
          
Premises and equipment
    
1,203
          
Leased premises contracts
    
(359
)
        
Other assets
    
(358
)
        
Deferred tax assets
    
785
          
Adjustments to reflect liabilities acquired at fair value:
                
Time deposits
    
(74
)
        
             
10,770
  
Goodwill resulting from merger
          
$
10,833
  
The following condensed statement reflects the amounts recognized as of the acquisition date for each major class of asset acquired and liability assumed:
(In Thousands)
            
Total purchase price
        
$
21,603
  
Assets (liabilities) acquired:
              
Cash and cash equivalents
  
$
83,514
          
Interest bearing time deposits with other banks
    
1,236
          
Securities available for sale
    
23,831
          
Loans
    
115,211
          
Premises and equipment, net
    
4,743
          
Accrued interest receivable
    
282
          
Bank-owned life insurance
    
4,598
          
Intangibles
    
1,981
          
Deferred tax asset
    
2,979
          
Other assets
    
2,332
          
Time deposits
    
(42,675
)
        
Deposits other than time deposits
    
(182,555
)
        
Accrued interest payable
    
(14
)
        
Other liabilities
    
(4,693
)
        
             
10,770
  
Goodwill resulting from the FNB merger
          
$
10,833
  
The Company recorded goodwill and other intangibles associated with the purchase of FNB totaling $12,814,000.  Goodwill is not amortized, but is periodically evaluated for impairment.  The Company did not recognize any impairment from December 11, 2015 to December 31, 2016. None of the goodwill acquired is expected to be deductible for tax purposes.
Identifiable intangibles are amortized to their estimated residual values over the expected useful lives. Such lives are also periodically reassessed to determine if any amortization period adjustments are required. For the period from December 11, 2015 to December 31, 2016, no such adjustments were recorded.  The identifiable intangible assets consist of a core deposit intangible, covenant not to compete intangible and MSRs which are being amortized on an accelerated basis over the useful life of such assets. See footnote 6 for additional information on the identifiable intangible assets.
108
Amounts recognized separately from the acquisition include primarily legal fees, investment banking fees, system conversion costs, severance costs and contract termination costs. These costs were included in merger and acquisition expenses within non-interest expenses on the Consolidated Statement of Income and amounted to approximately $1,103,000 for the year ended December 31, 2015.
Results of operations for FNB prior to the acquisition date are not included in the Consolidated Statement of Income for the year ended December 31, 2015.  Due to the significant amount of fair value adjustments, historical results of FNB are not relevant to the Company's results of operations.  Therefore, no pro forma information is presented.
 The following table presents financial information regarding the former FNB operations included in our Consolidated Statement of Income from the date of acquisition through December 31, 2015 under the column "Actual from Acquisition Date through December 31, 2015".  In addition, the following table presents unaudited pro forma information as if the acquisition of FNB had occurred on January 1, 2014 under the "Pro Forma" columns.  The table below has been prepared for comparative purposes only and is not necessarily indicative of the actual results that would have been attained had the acquisition occurred as of the beginning of the periods presented, nor is it indicative of future results. Furthermore, the unaudited proforma information does not reflect management's estimate of any revenue-enhancing opportunities nor anticipated cost savings as a result of the integration and consolidation of the acquisition.  Merger and acquisition integration costs and amortization of fair value adjustments are included in the numbers below.
         
Pro Formas
  
   
Actual from Acquisition Date Through
December 31, 2015
    
Twelve Months Ended December 31,
  
(In Thousands, Except Per Share Data)
    
2016
      
2015
      
2014
  
Net interest income
  
$
401
    
$
35,837
    
$
37,736
    
$
37,634
  
Non-interest income
    
21
      
7,899
      
8,576
      
8,184
  
Net income
    
(22
)
    
12,073
      
8,640
      
14,019
  
Pro forma earnings per share:
                                
Basic
          
$
3.61
    
$
2.57
    
$
4.15
  
Diluted
          
$
3.61
    
$
2.57
    
$
4.15
  
 
109
MANAGEMENT'S ANNUAL REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING
Management of the Company is responsible for establishing and maintaining adequate internal control over financial reporting as defined in Rules 13a-15(f) and 15d-15(f) under the Exchange Act. The Company's internal control over financial reporting is designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles.
Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.
A material weakness is a significant deficiency (as defined in Public Company Accounting Oversight Board Auditing Standard No. 5), or a combination of significant deficiencies, that results in there being more than a remote likelihood that a material misstatement of the annual or interim financial statements will not be prevented or detected on a timely basis by management or employees in the normal course by management or employees in the normal course of performing their assigned functions.
Management assessed the effectiveness of the Company's internal control over financial reporting as of December 31, 2016. Management's assessment did not identify any material weaknesses in the Company's internal control over financial reporting.
In making this assessment, management used the criteria set forth by the Committee of Sponsoring Organizations of the Treadway Commission (COSO) in the 2013 Internal Control-Integrated Framework.  Because there were no material weaknesses discovered, management believes that, as of December 31, 2016, the Company's internal control over financial reporting was effective.
The Company's independent registered public accounting firm that audited the consolidated financial statements has issued an audit report on the effective operation of the Company's internal control over financial reporting as of December 31, 2016, a copy of which is included in this Annual Report on Form 10-K.

/s/ Randall E. Black
By: Randall E. Black
Chief Executive Officer and President
 (Principal Executive Officer)
Date: March 9, 2017

/s/ Mickey L. Jones
 By: Mickey L. Jones
Treasurer
 (Principal Financial & Accounting Officer)
Date: March 9, 2017


110


REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM



To the Stockholders and Board of Directors of
Citizens Financial Services, Inc.

We have audited the accompanying consolidated balance sheets of Citizens Financial Services, Inc. and subsidiary as of December 31, 2016 and 2015, and the related consolidated statements of income, comprehensive income, changes in stockholders' equity, and cash flows for each of the three years in the period ended December 31, 2016. These consolidated financial statements are the responsibility of Citizens Financial Services, Inc.'s management. Our responsibility is to express an opinion on these consolidated financial statements based on our audits.
We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.
In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of Citizens Financial Services, Inc. and Subsidiary as of December 31, 2016 and 2015, and the consolidated results of its operations and its cash flows for each of the three years in the period ended December 31, 2016, in conformity with U.S. generally accepted accounting principles.
We have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), Citizens Financial Services, Inc. and subsidiary's internal control over financial reporting as of December 31, 2016, based on criteria established in Internal Control – Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission in 2013, and our report dated March 10, 2016, expressed an unqualified opinion on the effectiveness of the Company's internal control over financial reporting.
 
/s/S.R. Snodgrass, P.C.

Wexford, Pennsylvania
March 9, 2017


111
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Stockholders and Board of Directors of
Citizens Financial Services, Inc.
We have audited Citizens Financial Services, Inc. and subsidiary's internal control over financial reporting as of December 31, 2016, based on criteria established in Internal Control — Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission ("COSO") in 2013.  Citizens Financial Services, Inc.'s  management is responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of internal control over financial reporting included in the accompanying Management's Annual Report on Internal Control Over Financial Reporting. Our responsibility is to express an opinion on Citizens Financial Services, Inc.'s internal control over financial reporting based on our audit.
We conducted our audit in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control over financial reporting was maintained in all material respects. Our audit included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, and testing and evaluating the design and operating effectiveness of internal control based on the assessed risk. Our audit also included performing such other procedures as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion.
A company's internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles.  A company's internal control over financial reporting includes those policies and procedures that: (a) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the Company; (b) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the Company are being made only in accordance with authorizations of management and directors of the Company; and (c) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the Company's assets that could have a material effect on the financial statements.
Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.
In our opinion, Citizens Financial Services, Inc. and subsidiary maintained, in all material respects, effective internal control over financial reporting as of December 31, 2016, based on criteria established in Internal Control — Integrated Framework issued by COSO in 2013.
We have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the consolidated balance sheet as of December 31, 2016 and 2015, and the related consolidated statements of income, comprehensive income, changes in stockholders' equity, and cash flows for each of the three years in the period ended December 31, 2016, of Citizens Financial Services, Inc. and subsidiary and our report dated March 9, 2017, expressed an unqualified opinion.

/s/S.R. Snodgrass, P.C.
 
Wexford, Pennsylvania
March 9, 2017
112
ITEM 9 – CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE.
None.

ITEM 9A – CONTROLS 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 Securities and Exchange Commission (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)
Internal Control Over Financial Reporting

Management's annual report on internal control over financial reporting and the attestation report of the independent registered public accounting firm are incorporated herein by reference to Item 8 - the Company's audited Consolidated Financial Statements in this Annual Report on Form 10-K

(c)
Changes to Internal Control Over Financial Reporting
There were no changes in the Company's internal control over financial reporting during the three months ended December 31, 2016 that have materially affected, or are reasonable likely to materially affect, the Company's internal control over financial reporting.

ITEM 9B – OTHER INFORMATION.
             None.
113
PART III

ITEM 10 – DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE
Directors
            For information relating to the directors of the Company, the section captioned "Proposal 1. Election of Directors" in the Company's Proxy Statement for the 2017 Annual Meeting of Stockholders (the "2017 Proxy Statement") is incorporated by reference.
Executive Officers
            For information relating to officers of the Company, the section captioned "Proposal 1. Election of Directors" in the 2017 Proxy Statement is incorporated by reference.
Compliance with Section 16(a) of the Exchange Act
            For information regarding compliance with Section 16(a) of the Exchange Act, the section captioned "Other Information Relating to Directors and Executive Officers - Section 16(a) Beneficial Ownership Reporting Compliance" in the Company's 2017 Proxy Statement is incorporated by reference.
Disclosure of Code of Ethics
            The Company has adopted a Code of Ethics that applies to directors, officers and employees of the Company and the Bank.  A copy of the Code of Ethics is posted on the Company's website at www.firstcitizensbank.com.  The Company intends to satisfy the disclosure requirement of Form 8-K regarding an amendment to, or a waiver from, a provision of its Code of Ethics by posting such information on its website.
Corporate Governance
            For information regarding the audit committee and its composition and the audit committee financial expert, the section captioned "Corporate Governance – Committees of the Board of Directors" in the Company's 2017 Proxy Statement is incorporated by reference.

ITEM 11 – EXECUTIVE COMPENSATION
Executive Compensation
            For information regarding executive and director compensation, the sections captioned "Director Compensation", "Executive Compensation", "Compensation Discussion and Analysis" and "Compensation Committee Report" in the Company's 2017 Proxy Statement are incorporated by reference.

ITEM 12 – SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDERS MATTERS

(a)
Security Ownership of Certain Beneficial Owners Information required by this item is incorporated herein by reference to the section captioned "Stock Ownership" in the Company's 2017 Proxy Statement.
 
114

(b)
Security Ownership of Management Information required by this item is incorporated herein by reference to the section captioned "Stock Ownership" in the Company's 2017 Proxy Statement.

(c)
Changes in Control
Management of the Company knows of no arrangements, including any pledge by any person or securities of the Company, the operation of which may at a subsequent date result in a change in control of the registrant.
  
(d)
Equity Compensation Plan Information

                                 The following table sets forth information as of December 31, 2016 about Company common stock that may be issued under the Company's 2016 Restricted Stock Plan.  The plan was approved by the Company's stockholders.
Plan Category
  
Number of
securities to be
issued upon the
exercise of
outstanding
options, warrants
and rights
  
Weighted-average
exercise price of
outstanding
options, warrants
and rights
  
Number of securities
remaining available
for future issuance
under equity
compensation plans (excluding securities
reflected in the first
column)
             
Equity compensation plans approved by security holders
  
n/a
  
n/a
  
145,890
             
Equity compensation plans not approved by security holders
  
n/a
  
n/a
  
n/a
             
Total
  
n/a
  
n/a
  
145,890

ITEM 13 – CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE
Certain Relationships and Related Transactions
            For information regarding certain relationships and related transactions, the section captioned "Other Information Relating to Directors and Executive Officers - Transactions with Related Persons" in the Company's 2017 Proxy Statement is incorporated by reference.
Director Independence
            For information regarding director independence, the section captioned "Corporate Governance – Director Independence" in the Company's 2017 Proxy Statement is incorporated by reference.

ITEM 14 – PRINCIPAL ACCOUNTANT FEES AND SERVICES
For information regarding the principal accountant fees and expenses the section captioned "Audit – Related Matters" in the Company's 2017 Proxy Statement is incorporated by reference.
115
PART IV

ITEM 15 – EXHIBITS AND FINANCIAL STATEMENT SCHEDULES.
(a)  The following documents are filed as a part of this report:
    1.  The following financial statements are incorporated by reference in Item 8:
Report of Independent Registered Public Accounting Firm
Consolidated Balance Sheet as of December 31, 2016 and 2015
    Consolidated Statement of Income for the Years Ended December 31, 2016, 2015 and 2014
Consolidated Statement of Comprehensive Income for the Years Ended December 31, 2016, 2015 and 2014
    Consolidated Statement of Changes in Stockholders' Equity for the Years Ended December 31, 2016, 2015 and  2014
    Consolidated Statement of Cash Flows for the Years Ended December 31, 2016, 2015 and 2014
    Notes to Consolidated Financial Statements

    2.  All financial statement schedules are omitted because the required information is either not applicable, not required or is  shown in the respective financial statement or in the notes thereto, which are incorporated by reference at subsection  (a)(1) of this item.
    3. The following Exhibits are filed herewith, or incorporated by reference 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
  
Instrument defining the rights of security holders (3)
 
10.1
  
*Amended and Restated Executive Employment Agreement between Citizens Financial Services, Inc., First Citizens Community Bank and Randall E. Black(4)
 
10.2
  
*Citizens Financial Services, Inc. Directors' Deferred Compensation Plan(5)
 
10.3
  
*Citizens Financial Services, Inc. Directors' Life Insurance Program(6)
 
10.4
  
*Citizens Financial Services, Inc. 2006 Restricted Stock Plan(7)
 
10.5
  
*Form of Award Agreement for Citizens Financial Services, Inc. 2006 Restricted Stock Plan(8)
 
10.6
  
*Supplemental Executive Retirement Plan(9)
 
10.7
  
*Change in Control Agreement, between First Citizens Community Bank, Citizens Financial Services, Inc. (as guarantor) and Terry B. Osborne (10)
 
10.8
  
*Change in Control Agreement, between First Citizens Community Bank, Citizens Financial Services, Inc. (as guarantor) and Mickey L. Jones (11)
 
10.9
  
*First Citizens Community Bank Annual Incentive Plan (12)
 
10.10
  
*First Citizens Community Bank Endorsement Split-Dollar Life Insurance Plan (13)
 
10.11
  
Citizens Financial Services, Inc. 2016 Equity Incentive Plan (14)
 
21
  
List of Subsidiaries
 
116
 
23
  
Consent of S.R. Snodgrass, P.C., Independent Registered Public Accountants
 
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
 
32.2
  
Section 1350 Certification of Chief Financial Officer
 
101
  
The following materials from the Company's Annual Report on Form 10-K for the year ended December 31, 2015, formatted in XBRL (Extensible Business Reporting Language): (i) The Consolidated Balance Sheet, (ii) the Consolidated Statement of Income, (iii) the Consolidated Statement of Comprehensive Income, (iv) the Consolidated Statement of Changes in Stockholders' Equity, (v) the Consolidated Statement of Cash Flows and (vi) related notes.
 
*Management contract or compensatory plan, contract or arrangement
 (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.
(4)    Incorporated by reference to Exhibit 10.1 to the Company's Quarterly Report on Form 10-Q for the quarter ended June 30, 2012, as filed with the Commission on August 9, 2012.
(5)    Incorporated by reference to Exhibit 10.2 to the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2013, as filed with the Commission on March 6, 2014.
(6)    Incorporated by reference to Exhibit 10.3 to the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2004, as filed with the Commission on March 14, 2005.
(7)    Incorporated by reference to Exhibit 4.1 to the Company's Form S-8, as filed with the Commission on August 29, 2006.
(8)    Incorporated by reference to Exhibits 10.2 to the Company's Quarterly Report on Form 10-Q for the quarter ended June 30, 2012, as filed with the Commission on August 9, 2012.
(9)    Incorporated by reference to Exhibit 10.6 to the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2012, as filed with the Commission on March 7, 2013.
(10)  Incorporated by reference to Exhibits 10.3 to the Company's Quarterly Report on Form 10-Q for the quarter ended June 30, 2012, as filed with the Commission on August 9, 2012.
(11)  Incorporated by reference to Exhibits 10.4 to the Company's Quarterly Report on Form 10-Q for the quarter ended June 30, 2012, as filed with the Commission on August 9, 2012.
(12)  Incorporated by reference to Exhibits 10.5 to the Company's Quarterly Report on Form 10-Q for the quarter ended June 30, 2013, as filed with the Commission on August 8, 2013.
(13)  Incorporated by reference to Exhibit 10.1 to the Company's Current Report on Form 8-K, as filed with the Commission on January 7, 2015.
(14)  Incorporated by reference to Exhibit A to the Company's definitive proxy statements for the 2016 Annual Meeting of Shareholders, as filed with the Commission on March 10, 2016.
117
ITEM 16 – FORM 10-K SUMMARY
Not Applicable.

118
SIGNATURES
Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
Citizens Financial Services, Inc.
(Registrant)
/s/ Randall E. Black
By: Randall E. Black
Chief Executive Officer and President
 (Principal Executive Officer)
Date: March 9, 2017                                                                                                                              
Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated.
 
Signature and Capacity
Date
 
/s/ Randall E. Black
Randall E. Black, Chief Executive Officer, President and Director
(Principal Executive Officer)
 
 March 9, 2017
/s/ Mickey L. Jones
Mickey L. Jones, Treasurer and Chief Financial Officer
(Principal Financial & Accounting Officer)
 
 March 9, 2017
/s/ R. Lowell Coolidge 
R. Lowell Coolidge, Director
 
 March 9, 2017
/s/ Rudolph J. van der Hiel 
Rudolph J. van der Hiel, Director
 
 March 9, 2017
/s/ Robert W. Chappell
Robert W. Chappell, Director
 
 March 9, 2017
/s/ R. Joseph Landy 
R. Joseph Landy, Director
 
 March 9, 2017
/s/ Roger C. Graham, Jr.
Roger C. Graham, Director
 
  March 9, 2017
 
/s/ E. Gene Kosa
E. Gene Kosa, Director
 
  March 9, 2017
 
/s/ Rinaldo A. DePaola
Rinaldo A. DePaola, Director
 
 March 9, 2017
/s/ Thomas E. Freeman
Thomas E. Freeman, Director
 
 March 9, 2017
/s/ Alletta M. Schadler 
Alletta M. Schadler Director
  March 9, 2017
 
 
 
                                                                                                                                                                                        

                                                                                                                      March 9, 2017

  
 
                                                                     March 9, 2017
                                                               March 9, 2017
                                                                               March 9, 2017
                                                                         March 9, 2017
                                                                        March 9, 2017
                                                                            March 9, 2017
                                                                              March 9, 2017
                                                                              March 9, 2017

                                                                           March 9, 2017

119
 EX-21 2 subsidiaries.htm LIST OF SUBSIDIARIES subsidiaries.htm

 
EXHIBIT 21
 
SUBSIDIARIES OF REGISTRANT
 
 
First Citizens Community Bank of Mansfield, Pennsylvania is the Company's sole subsidiary.
 
First Citizens Insurance Agency, Inc.  of Mansfield, Pennsylvania is the Bank's sole subsidiary.
 
 EX-23 3 snodgrassconsent.htm CONSENT OF SR SNODGRASS CERTIFIED PUBLIC ACCOUNTANTS snodgrassconsent.htm
Exhibit 23

 
CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


 

We consent to the incorporation by reference in the Registration Statement File No. 333-187380 on Form S-3, Registration Statement File No. 333-187451 on Form S-3D, and Registration Statement File No. 333-206807 on Form S-4/A of Citizens Financial Services, Inc. of our report dated March 9, 2017, relating to our audit of the consolidated financial statements and internal control over financial reporting, which appears in the Annual Report to Stockholders,  which is incorporated in this Annual Report on Form 10-K of Citizens Financial Services, Inc. for the year ended December 31, 2016.


/s/ S.R. Snodgrass, P.C.
 
Cranberry Township, Pennsylvania
March 9, 2017
 EX-31.1 4 ceocert.htm CERTIFICATION OF CHIEF EXECUTIVE OFFICER ceocert.htm
Exhibit 31.1
 
Rule 13a-14(a)/15d-14(a) Certification of Chief Executive Officer
 
 
I, Randall E. Black, certify that:
 
1.    I have reviewed this Form 10-K 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.
 
 
   
       
March 9, 2017
By:
/s/ Randall E. Black  
    Randall E. Black  
   
Chief Executive Officer and President
(Principal Executive Officer)
  
       
 
 
 EX-31.2 5 cfocert.htm CERTIFICATION OF CHIEF FINANCIAL OFFICER cfocert.htm
 
Exhibit 31.2
 
Rule 13a-14(a)/15d-14(a) Certification of Chief Financial Officer
 
 
I, Mickey L. Jones, certify that:
 
1.    I have reviewed this Form 10-K 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.
 
 
 
   
       
March 9, 2017
By:
/s/ Mickey L. Jones  
    Mickey L. Jones  
   
Chief Financial Officer
(Principal Financial Officer and
Principal Accounting Officer)
  
       
 
 EX-32.1 6 certceo.htm SECTION 1350 CERTIFICATION OF CHIEF EXECUTIVE OFFICER certceo.htm
EXHIBIT 32.1
 
Certification Pursuant to
18 U.S.C. Section 1350
As Added By
Section 906 of the Sarbanes-Oxley Act of 2002
 
 
 
In connection with the Annual Report of Citizens Financial Services, Inc. (the "Company") on Form 10-K (the "Report") for the period ended December 31, 2016, as filed with the Securities and Exchange Commission, I, Randall E. Black, Chief Executive Officer and President, of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:
 
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 expressed in the Report.
 
 
     
   
 
 		  
 		  
 
March 9, 2017 By:   /s/ Randall E. Black
 
 
Randall E. Black
 
Chief Executive Officer and President
(Principal Executive Officer)
 
EX-32.2 7 certcfo.htm SECTION 1350 CERTIFICATION OF CHIEF FINANCIAL OFFICER certcfo.htm
EXHIBIT 32.2 
 
Certification Pursuant to
18 U.S.C. Section 1350
As Added By
Section 906 of the Sarbanes-Oxley Act of 2002
 
 
In connection with the Annual Report of Citizens Financial Services, Inc. (the "Company") on Form 10-K (the "Report") for the period ended December 31, 2016 as filed with the Securities and Exchange Commission, I, Mickey L. Jones, Chief Financial Officer, of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:
 
1.  
The Report fully complies with the requirements of section 13(a) or 15 (d) of the Securities Exchange Act of 1934; and
 
2.  
To my knowledge, 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 expressed in the Report.
 
 
     
   
 
 		  
 		  
 
March 9, 2017 By:   /s/ Mickey L. Jones
 
 
Mickey L. Jones
 
Chief Financial Officer
(Principal Financial Officer and
Principal Accounting Officer)
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valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: 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font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">600</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td 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style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: 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bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: 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valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(42</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: 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right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;subdivision loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: 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style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; 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style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">593</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; 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border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: middle; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">The First National Bank of Fredericksburg shareholders' equity</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: middle; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt; text-indent: 10pt;">Basic</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; 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line-height: 11.4pt;">4.15</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: middle; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt; text-indent: 10pt;">Diluted</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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line-height: 11.4pt;">2.57</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">4.15</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div></div> 0 0 1981000 1981000 1103000 0 237000 1103000 10770000 121717000 114886000 117537000 108232000 0.08 0.08 0.08 0.08 0.1623 0.1534 0.1493 0.1446 65020000 56443000 56630000 65217000 70554000 81522000 70787000 81275000 0.1 0.1 0.1 0.1 24384000 17754000 11423000 10083000 4593000 1611000 7911000 2245000 <div style="font-family: 'Times New Roman'; 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RESTRICTIONS ON CASH AND DUE FROM BANKS</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The Bank is required to maintain reserves, in the form of cash balances with the Federal Reserve Bank, against its deposit liabilities.&#160; The amount of such reserves was $2,297,000 and $1,646,000 at December 31, 2016 and 2015, respectively.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Non-retirement account deposits with one financial institution are insured up to $250,000. 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COMMITMENTS AND CONTINGENT LIABILITIES</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. 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font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">206,505</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">143,134</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">221,460</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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Commitments generally have fixed expiration dates or other termination clauses and may require payment of fees. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future liquidity requirements. The Company evaluates each customer's creditworthiness on a case-by-case basis. 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EMPLOYEE BENEFIT PLANS</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt;"><u>Noncontributory Defined Benefit Pension Plan</u></div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The Bank sponsors a trusteed, noncontributory defined benefit pension plan covering substantially all employees and officers hired prior to January 1, 2007. Additionally, the Bank assumed the noncontributory defined benefit pension plan of FNB when it was acquired during 2015. The FNB plan was frozen prior to the acquisition and therefore, no additional benefits will accrue for employees covered under that plan. These two plans are collectively referred to herein as "the Plans".&#160; The pension plans call for benefits to be paid to eligible employees at retirement based primarily upon years of service with the Bank and compensation rates during employment. Upon retirement or other termination of employment, employees can elect&#160;either an annuity benefit or a lump sum distribution of vested benefits in the pension plan. The Bank's funding policy is to make annual contributions, if needed, based upon the funding formula developed by the pension plans' actuary. 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vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.95pt;">Change in benefit obligation</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; 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line-height: 11.95pt;">17,809</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.95pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.95pt;">11,777</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; 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font-family: 'Arial Narrow', sans-serif; line-height: 11.95pt;">6,377</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.95pt;">Service cost</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.95pt;">345</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; 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vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.95pt;">Fair value of plan assets at beginning of year</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.95pt;">14,786</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.95pt;">Funded status</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.95pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.95pt;">(2,817</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.95pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.95pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; 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vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.95pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.95pt;">3,919</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; border-bottom: #000000 2px solid; padding-left: 5%; background-color: #ffffff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.95pt;">Prior service cost</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; 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font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">352</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">307</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">(791</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">(786</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;Corporate bonds</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">3,641</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">536</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">3.4</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; 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vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Unrecognized pension costs</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; 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text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">(236</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">)</div></td></tr></table></div><div style="margin-bottom: 5pt; margin-top: 5pt; line-height: 14pt;"><br style="line-height: 14pt;" /></div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The following tables present the changes in accumulated other comprehensive loss by component net of tax for the years ended December 31, 2016, 2015 and 2014 (in thousands):</div><div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: center; line-height: 11.4pt;">Unrealized gain </div><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: center; line-height: 11.4pt;">(loss) on available for </div><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: center; line-height: 11.4pt;">sale securities (a)</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: center; line-height: 11.4pt;">Defined Benefit </div><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: center; 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text-align: left; line-height: 11.4pt;">Balance as of December 31, 2013</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(108</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(1,117</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(1,225</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Other comprehensive income (loss) before reclassifications (net of tax)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">3,608</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(1,243</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">2,365</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Amounts reclassified from accumulated other</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;comprehensive income (loss) (net of tax)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">(1,209</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; 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vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Balance as of December 31, 2014</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">3,093</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(2,326</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">767</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Other comprehensive loss before reclassifications (net of tax)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(606</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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color: #000000; line-height: 11.4pt;">(855</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Amounts reclassified from accumulated other</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;comprehensive income (loss) (net of tax)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(283</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">135</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(148</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Net current period other comprehensive loss</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">(114</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">(1,003</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Balance as of December 31, 2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">2,204</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(2,440</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(236</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Balance as of December 31, 2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">2,204</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(2,440</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(236</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Other comprehensive loss before reclassifications (net of tax)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(730</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(403</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(1,133</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Amounts reclassified from accumulated other</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; 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font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">(7,613</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">(7,105</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; 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border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">2,245</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; 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These statements have been prepared in accordance with U.S. generally accepted accounting principles.&#160; All significant inter-company accounts and transactions have been eliminated in the consolidated financial statements.</div></div> 14955000 143134000 13751000 221460000 206505000 156885000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="margin-bottom: 5pt; font-size: 12pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; text-align: justify; margin-top: 5pt; line-height: 20pt;">7. FEDERAL HOME LOAN BANK (FHLB) STOCK</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">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. <font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">As of December 31, 2016 and 2015, the Bank held </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">$4,542,000 and $2,800,000, respectively, of FHLB stock. </font>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.&#160; The stock's value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. 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Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.&#160; 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.</div></div> 2672000 2913000 3081000 3 month LIBOR 41631000 79662000 16008000 16525000 0 7500000 16525000 0 1598000 14307000 7500000 0 41330000 0 4725000 4725000 1000000 2000000 2000000 2000000 1000000 2000000 2800000 2000000 2000000 2000000 2800000 2000000 7500000 7500000 0.028 7500000 10000000 7949000 343209000 4360000 0.0272 0.0352 0.0187 0.0237 0.0261 0.0229 0.0208 36095000 41330000 41631000 1598000 0 77425000 38863000 37265000 0 79662000 2021-07-12 2021-08-20 2018-07-12 2019-02-04 2022-01-06 2021-02-03 2017-10-02 0.0244 0.0067 0.0174 0.0045 0.024 0.0379 0 0 0 0.0333 0 0.0136 22000 20000 15000 177000 189000 -192000 478000 362000 6052000 6261000 9794000 9770000 950000 709000 3509000 3742000 250000 436000 4518000 4238000 152000 8000 757000 772000 157000 156000 362000 421000 3573000 3594000 44000 17000 233000 238000 369000 154000 998000 919000 0 0 940000 958000 733000 0.3 0.5 1820000 0.0394 0.0378 520000 591000 0.03 0.03 864000 -41000 7407000 439000 -456000 -47000 286000 1403000 351000 285000 267000 0.7 0.5 1549000 0.0394 0.0361 0.043 0.03 0.03 0.03 0.07 0.075 0.07 11039000 14786000 15786000 6377000 0 17809000 11777000 18603000 791000 786000 1034000 424000 692000 415000 -3023000 -2817000 400000 300000 818000 682000 665000 4053000 0 -13000 222000 190000 574000 569000 710000 720000 1460000 1339000 0 0 5235000 0 0 0 6085000 0 0 0 107000 1704000 3019000 0 863000 0 3019000 0 107000 3821000 107000 0 1704000 11502000 0 3641000 0 11610000 863000 5404000 0 3176000 5235000 14786000 536000 0 0 6085000 502000 0 0 3641000 5404000 50000 548000 3821000 0 0 50000 15786000 0 107000 536000 4284000 0.413 0.034 0.007 0.332 0.007 0.035 0.115 0.003 0.341 0.204 1 0.231 0.055 0.258 1 0.034 352000 345000 307000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="margin-bottom: 5pt; font-size: 12pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; text-align: justify; margin-top: 5pt; line-height: 20pt;">8. 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text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">988,031</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; 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vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">3,341,933</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">3,063,906</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">3,070,922</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; 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background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 60%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Net income applicable to common stock</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">12,638,000</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">11,626,000</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">3,341,933</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">3,063,906</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">3,070,922</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 60%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Add: Dilutive effects of restricted stock</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">3.79</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">4.36</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Nonvested shares of restricted stock totaling 3,087, 2,105 and 2,248 were outstanding during 2016, 2015 and 2014, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. These anti-dilutive shares had per share prices ranging from $46.69-$53.15, $50.15-$53.15 and $37.10-$50.50 for 2016, 2015 and&#160; 2014, respectively.</div></div> 3.78 3.79 4.36 1.04 0.79 0.91 0.95 0.94 0.98 0.94 1.02 4.36 3.79 3.78 1.04 1.02 0.94 0.95 0.79 0.98 0.94 0.91 0.34 0.34 0.34 0.19 0.21 0.194 P3Y 416000 644000 506000 362000 1 0.7 0.75 0.465 0.67 0.2545 0.65 0.25 0 0.2898 0 0 0.1 9124000 Appraised Collateral Values Appraised Collateral Values Appraised Collateral Values Appraised Collateral Values <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">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.</div><div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; 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The three broad levels defined by this hierarchy are as follows</font>:</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt; text-indent: 18pt;">&#160;</div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%; border-collapse: collapse;"><tr><td style="width: 6.92%; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Level I:</div></td><td style="width: 93.14%; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Quoted prices are available in active markets for identical assets or liabilities as of the reported date.</div></td></tr><tr><td style="width: 6.92%; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Level II:</div></td><td style="width: 93.14%; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Pricing inputs are other than quoted prices in active markets, which are either directly or indirectly observable as of the reported date. 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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: Arial, sans-serif; text-align: left; margin-left: 54pt; line-height: 14pt; text-indent: -54pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">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="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">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. 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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. 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vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">1,827</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">1,827</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;" /></div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument.&#160; 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.&#160; 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. 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vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">6,960</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">308,118</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.4pt;">Loans held for sale</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">1,827</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; 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font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">1,827</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.4pt;">Net loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">790,725</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">797,184</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.4pt;">Regulatory stock</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; 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font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">712,524</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; 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font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">25,535</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">25,535</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; 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font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">3,459</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">3,459</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; 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vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">123,624</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">25,365</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">89</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Real estate loans:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">32</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">57,822</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;Construction</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">14,422</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">15,011</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; 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vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; 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color: #000000; line-height: 11.4pt;">22,852</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">169</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; 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Non-performing loans include those loans that are considered nonaccrual, described in more detail below and all loans past due 90 or more days. 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: center; line-height: 11.4pt;">Non-performing</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: center; line-height: 11.4pt;">PCI</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: center; line-height: 11.4pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 25%; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.4pt;">Real estate loans:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 25%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">147,047</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">1,648</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">35</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">698</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: middle; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt; text-indent: 20pt;">Core deposit intangibles</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">1,641</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; 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font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">1,616</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt; text-indent: 20pt;">Covenant not to compete</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">125</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(34</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">91</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">125</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">123</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt; text-indent: 40pt;">Total amortized intangible assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">3,237</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; 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font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">2,096</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; 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vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Real estate loans:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">240</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; 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font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The Company purchased loans in connection with its acquisition of FNB in 2015, some of which showed evidence of credit deterioration as of the acquisition since origination. 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vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: center; line-height: 11.4pt;">2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">152</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;Other</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; 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vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; 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vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">29,165</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">(493</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.4pt;">Mortgage-backed securities in</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; 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vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; 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text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; 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vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Obligations of states and</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; 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vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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For fixed maturity investments </font>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. 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border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: center; line-height: 11.4pt;">2015</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: center; line-height: 11.4pt;">2014</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Gross gains</div></td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">440</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">647</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">(31</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 30%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Net gains</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">429</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">616</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Investment securities with an approximate carrying value of $206,322,000 and $203,769,000 at December 31, 2016 and 2015, respectively, were pledged to secure public funds and certain other deposits as provided by law and certain borrowing arrangements of the Company.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">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. 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vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.4pt;">&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: center; line-height: 11.4pt;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: center; line-height: 11.4pt;">Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Available-for-sale securities:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;Due in one year or less</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">44,331</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">44,484</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;Due after one year through five years</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">155,199</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">156,177</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; 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vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">38,305</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;Due after ten years</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; 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font-size: 10pt;"><div>The amortized cost and fair value of debt securities at December 31, 2016, by contractual maturity are shown below (in thousands). Municipal securities that have been refunded and will therefore pay-off on the call date are reflected in the table below utilizing the call date as the date of repayment as payment is guaranteed on that day:</div><div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 45%;"><tr><td valign="bottom" style="width: 30%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: center; line-height: 11.4pt;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: center; line-height: 11.4pt;">Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Available-for-sale securities:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; 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vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">44,484</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;Due after one year through five years</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; 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vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">38,305</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;Due after ten years</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">72,325</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">72,152</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">310,218</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">311,118</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div></div> 11505000 16410000 12504000 219000 205000 51000 175000 171000 289000 1043224000 1099750000 8249000 8092000 1223018000 1162984000 127852000 131517000 0 0 4799000 4285000 8886000 7106000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Allowance for Loan Losses</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The allowance for loan losses represents the amount which management estimates is adequate to provide for probable losses inherent in its loan portfolio. The allowance method is used in providing for loan losses. Accordingly, all loan losses are charged to the allowance and all recoveries are credited to it. The allowance for loan losses is established through a provision for loan losses which is charged to operations. The provision is based upon management's periodic evaluation of individual loans, the overall risk characteristics of the various portfolio segments, past experience with losses, the impact of economic conditions on borrowers, and other relevant factors. The estimates used in determining the adequacy of the allowance for loan losses are particularly susceptible to significant change in the near term.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Impaired loans are other commercial, other agricultural, municipal, agricultural real estate, commercial real estate loans and certain residential mortgages cross collateralized with commercial relationships for which it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. The Company individually evaluates such loans for impairment and does not aggregate loans by major risk classifications. The definition of "impaired loans" is not the same as the definition of "non-accrual loans," although the two categories overlap. The Company may choose to place a loan on non-accrual status due to payment delinquency or uncertain collectability, while not classifying the loan as impaired if the loan is not a commercial, agricultural, municipal or commercial real estate loan. Factors considered by management in determining impairment include payment status and collateral value. The amount of impairment for these types of impaired loans is determined by the difference between the present value of the expected cash flows related to the loan, using the original interest rate, and its recorded value; or, as a practical expedient in the case of a collateral dependent loan, the difference between the fair value of the collateral and the recorded amount of the loans.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Mortgage loans on one to four family properties and all consumer loans are large groups of smaller balance homogeneous loans and are measured for impairment collectively. Loans that experience insignificant payment delays, which is defined as 90 days or less, generally are not classified as impaired. Management determines the significance of payment delays on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the borrower's prior payment record, and the amount of shortfall in relation to the principal and interest owed.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The Company allocates the allowance based on the factors described below, which conform to the Company's loan classification policy. In reviewing risk within the Bank's loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The allowance for loan losses consists of amounts applicable to: (i) residential real estate loans; (ii) commercial real estate (iii) agricultural real estate loans; (iv) construction; (v) consumer loans; (vi) other commercial loans (vii) other agricultural loans and (viii) 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 for each risk category 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><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 14pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Level of and trends in delinquencies, impaired/classified loans</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 72pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Wingdings; text-align: left; margin-left: 54pt; line-height: 14pt;">&#167;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Change in volume and severity of past due loans</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 72pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Wingdings; text-align: left; margin-left: 54pt; line-height: 14pt;">&#167;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Volume of non-accrual loans</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 72pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Wingdings; text-align: left; margin-left: 54pt; line-height: 14pt;">&#167;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Volume and severity of classified, adversely or graded loans</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 14pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Level of and trends in charge-offs and recoveries</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; 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font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 14pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Changes in the quality of the Bank's loan review system</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 14pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Experience, ability and depth of lending management and other relevant staff</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 14pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">National, state, regional and local economic trends and business conditions</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 72pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Wingdings; text-align: left; margin-left: 54pt; line-height: 14pt;">&#167;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">General economic conditions</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 72pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Wingdings; text-align: left; margin-left: 54pt; line-height: 14pt;">&#167;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Unemployment rates</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 72pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Wingdings; text-align: left; margin-left: 54pt; line-height: 14pt;">&#167;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Inflation / CPI</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 72pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Wingdings; text-align: left; margin-left: 54pt; line-height: 14pt;">&#167;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Changes in values of underlying collateral for collateral-dependent loans</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 14pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Industry conditions including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 14pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Existence and effect of any credit concentrations, and changes in the level of such concentrations</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 14pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Any change in the level of board oversight</div></td></tr></table></div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The Company analyzes its loan portfolio each quarter to determine the appropriateness of its allowance for loan losses.</div></div> 4512000 5828000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; font-style: italic; text-align: justify; margin-top: 5pt; line-height: 11.4pt;">Troubled Debt Restructurings</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">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 either interest or principal, management measures any impairment on the restructuring as noted above for impaired loans. In addition to the allowance for the pooled portfolios, management has developed a separate allowance for loans that are identified as impaired through a TDR. TDRs are excluded from pooled loss forecasts and a separate reserve is provided under the accounting guidance for loan impairment.</div></div> 687925000 790725000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; font-style: italic; text-align: left; margin-top: 5pt; line-height: 11.4pt;">Loan Charge-off Policies</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Consumer loans are generally fully or partially charged down to the fair value of collateral securing the asset when the loan is 180 days past due for open-end loans or 120 days past due for closed-end loans unless the loan is well secured and in the process of collection. All other loans are generally charged down to the net realizable value when the loan is 90 days past due.</div></div> 15011000 57822000 57549000 203407000 13657000 23388000 695031000 98500000 799611000 58639000 11005000 207423000 252577000 97514000 25441000 11543000 237542000 123624000 141039000 25441000 237542000 123624000 58693000 148730000 15011000 62368000 57822000 252577000 4314000 5343000 5570000 603000 1827000 603000 603000 1827000 0 1827000 0 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Foreclosed Assets Held For Sale</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Foreclosed assets acquired in settlement of loans are carried at fair value, less estimated costs to sell. Prior to foreclosure, the value of the underlying loan is written down to fair market value of the real estate or other assets to be acquired by a charge to the allowance for loan losses, if necessary. Any subsequent write-downs are charged against operating expenses. Operating expenses of such properties, net of related income and losses on disposition, are included in other expenses and gains and losses are included in other non-interest income or other non-interest expense.</div></div> 687925000 797184000 797184000 0 0 0 0 790725000 712524000 712524000 1827000 603000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="margin-bottom: 5pt; font-size: 12pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; text-align: justify; line-height: 20pt;">4. LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The Company grants commercial, industrial, agricultural, residential, and consumer loans primarily to customers throughout north central and south central Pennsylvania and southern New York.&#160; Although the Company has a diversified loan portfolio at December 31, 2016 and 2015, a substantial portion of its debtors' ability to honor their contracts is dependent on the economic conditions within these regions. 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">8,399</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.4pt;">Net loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; 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font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 36pt;">Upon acquisition, the Company evaluated whether an acquired loan was within the scope of ASC 310-30, Receivables-Loans and Debt Securities Acquired with Deteriorated Credit Quality. Purchased credit-impaired ("PCI") loans are loans that have evidence of credit deterioration since origination and it is probable at the date of acquisition that the Company will not collect all contractually required principal and interest payments. The fair value of PCI loans, on the acquisition date, was determined, primarily based on the fair value of the loans' collateral. The carrying value of PCI loans was $3,367,000 and $3,818,000 at December 31, 2016 and December 31, 2015, respectively. The carrying value of the PCI loans was determined by projected discounted contractual cash flows.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">On the acquisition date, the unpaid principal balance for all PCI loans was $6,969,000 and the estimated fair value of the loans was $3,809,000. 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text-align: left; line-height: 11.4pt;">Balance at beginning of period</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">637</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">665</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; vertical-align: middle; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Accretion</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; 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Loans sold to Freddie Mac and Fannie Mae were sold without recourse and total $102,444,000 and $92,773,000 at December 31, 2016 and 2015, </font>respectively. Additionally, the Bank acquired a portfolio of loans sold to the FHLB during the acquisition of FNB, which were sold under the Mortgage Partnership Finance Program ("MPF"). The Bank is no longer an active participant in the MPF program. The MPF portfolio balance was $32,960,000 and $40,437,000 at December 31, 2016 and 2015, respectively. The FHLB maintains a first-loss position for the MPF portfolio that totals $120,000. Should the FHLB exhaust its first-loss position, recourse to the Bank's credit enhancement would be up to the next $985,000 of losses. The Bank has not experienced any losses for the MPF portfolio.</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The segments of the Bank's loan portfolio are disaggregated into classes to a level that allows management to monitor risk and performance. Residential real estate mortgages consists of 15 to 30 year first mortgages on residential real estate, while residential real estate home equities are consumer purpose installment loans or lines of credit&#160; secured by a mortgage which is often a second lien on residential real estate with terms of 15 years or less. Commercial real estate are business purpose loans secured by a mortgage on commercial real estate. Agricultural real estate are loans secured by a mortgage on real estate used in agriculture production. 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">6</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 30%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Other agricultural loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; 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vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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The criticized rating categories utilized by management generally follow bank regulatory definitions. 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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.&#160; All commercial and agricultural loans are reviewed annually to ensure the appropriateness of the loan grade. In addition, the Bank engages an external consultant on at least an annual basis. The external consultant is engaged 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 years, 3) review a majority of borrowers with commitments greater than or equal to $1.0 million,&#160; 4) review selected loan relationships over $750,000 which are over 30 days past due, or classified Special Mention, Substandard, Doubtful, or Loss, and 5) such other loans which management or the consultant deems appropriate.</div><div style="margin-bottom: 6pt; margin-left: 18pt; margin-top: 5pt; line-height: 14pt;">The following tables represent credit exposures by internally assigned grades as of December 31, 2016 and 2015 <font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">(in thousands)</font>:</div><div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 70%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: center; line-height: 11.4pt;">Pass</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: center; line-height: 11.4pt;">Special Mention</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.4pt;">Real estate loans:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">97,514</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; 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Non-performing loans include those loans that are considered nonaccrual, described in more detail below and all loans past due 90 or more days. 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text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 25%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">147,047</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; 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border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">11,005</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 25%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; 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border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: center; line-height: 11.4pt;">Non-performing</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: center; line-height: 11.4pt;">PCI</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; 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background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 25%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;Mortgages</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">139,734</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">1,270</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">62,236</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">132</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">62,368</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 25%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Consumer</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">11,470</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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color: #000000; text-align: center; line-height: 11.4pt;">Due</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: center; line-height: 11.4pt;">Current</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: center; 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font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">34</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">5</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">23,388</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">5</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; 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background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">97,514</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">97,514</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 4px; padding-left: 11%; background-color: #cceeff;"><div style="font-size: 10pt; 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vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">252</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">10,857</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">14,133</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">782,111</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">3,367</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">799,611</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">405</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Loans considered non-accrual</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">172</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">105</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">10,452</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">10,729</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">725</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">11,454</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Loans still accruing</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">2,852</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">147</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">405</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">3,404</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">781,386</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">3,367</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">788,157</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 4px; padding-left: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">3,024</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">252</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">10,857</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">14,133</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">9</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">13,648</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">13,657</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">State and political</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; 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vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;subdivision loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; 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text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">98,500</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">98,500</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 4px; padding-left: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; 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vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">6,006</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">9,288</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">681,925</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">3,818</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">695,031</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">623</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; 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vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Loans are considered for nonaccrual status upon reaching 90 days delinquency, unless the loan is well secured and in the process of collection, 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.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The following table reflects the loans on nonaccrual status as of December 31, 2016 and 2015, respectively. 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font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;Home Equity</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">95</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 25%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Consumer</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; 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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 either interest or principal, 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. 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font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: center; line-height: 11.4pt;">Number of contracts</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: center; line-height: 11.4pt;">Pre-modification Outstanding </div><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: center; line-height: 11.4pt;">Recorded Investment</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom; 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border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; font-style: italic;">&#160;</font>2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">71</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; 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vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">19</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">71</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">1,085</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">1,494</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">54</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">23</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">47</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">47</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; 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line-height: 11.4pt;">122</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; 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font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">282</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.4pt;">State and political</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.4pt;">&#160;&#160;subdivision loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">240</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">833</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">833</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; 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border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">98</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(340</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">217</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">State and political</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;subdivision loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">330</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">215</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">545</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">545</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Unallocated</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">167</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">188</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">188</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 16%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">7,098</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(910</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">42</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">585</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">6,815</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">98</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">6,717</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">As discussed in Footnote 1, management evaluates various qualitative factors on a quarterly basis. The following are explanations for the changes in the allowance by portolio segments:</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; font-weight: bold; text-align: justify; margin-top: 5pt; line-height: 14pt;">2016</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Residential - There was an increase in the historical loss factor for residential loans when comparing 2015 and 2016. The specific reserve for residential loans decreased slightly between 2015 and 2016.&#160;&#160; The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for residential loans due to an increase in past due, non-accrual and classified loans.&#160; The qualitative factor for national, state, regional and local economic trends and business conditions was increased for residential loan categories due to an increase in the unemployment rates in the local economy during 2016.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Commercial real estate&#8211; There was a decrease in the historical loss factor for commercial real estate loans when comparing 2015 and 2016. The specific reserve for commercial real estate loans decreased slightly between 2015 and 2016. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for all commercial real estate loans due to an increase in the unemployment rates in the local economy during 2016. The qualitative factors for changes in quality of the institutions loan review system were increased for commercial real estate loans due to the addition of new staff and processes.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Agricultural real estate &#8211; There was no change in the historical loss factor for agricultural real estate loans from 2015 to 2016.&#160; The specific reserve for agricultural real estate loans increased from 2015 to 2016. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was increased for agricultural real estate due to an increase in past due, non-accrual and classified loans.&#160; 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 agricultural real estate due to the decrease in the price received for product sold and the increase in feed costs that has occurred in 2016, which negatively affected customer earnings. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for agricultural real estate loans due to an increase in the unemployment rates in the local economy during 2016. The qualitative factors for changes in quality of the institutions loan review system were increased for agricultural real estate due to the addition of new staff and processes. The qualitative factors for trends in volume, terms and nature of the loan portfolio were increased for agricultural real estate loans due to growth in these loan categories.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Other commercial - There was an increase in the historical loss factor for other commercial loans when comparing 2015 and 2016. The specific reserve for other commercial loans increased from 2015 to 2016. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was not increased due to the increase being caused by one relationship instead of a larger trend.&#160; The qualitative factor for national, state, regional and local economic trends and business conditions was increased for other commercial loans due to an increase in the unemployment rates in the local economy during 2016. The qualitative factors for changes in quality of the institutions loan review system were increased for other commercial due to the addition of new staff and processes.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Other agricultural - There was no change in the historical loss factor for other agricultural loans from 2015 to 2016.&#160; The specific reserve for other agricultural loans increased from 2015 to 2016. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other agricultural loans due to an increase in past due, non-accrual and classified loans&#160; 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 other agricultural loans due to the decrease in the price received for product sold and the increase in feed costs that has occurred in 2016, which negatively affected customer earnings. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for other agricultural loan categories due to an increase in the unemployment rates in the local economy during 2016. The qualitative factors for changes in quality of the institutions loan review system were increased for other agricultural loans due to the addition of new staff and processes. The qualitative factors for trends in volume, terms and nature of the loan portfolio were increased for other agricultural loans due to growth in these loan categories.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Municipal loans - There was no changes in the historical loss factor or specific reserve for municipal loans from 2015 to 2016. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for municipal loans due to an increase in classified loans. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for municipal loans due to an increase in the unemployment rates in the local economy during 2016. The qualitative factors for trends in volume, terms and nature of the loan portfolio were decreased for municipal loans due to this loan segment making up a smaller portion of the Bank's overall loan portfolio as we continue to grow commercial and agricultural loans. The qualitative factors for experience, ability, and depth of lending management was decreased for municipal loans due to employees gaining additional experience and the use of a third party in reviewing loan information.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; font-weight: bold; text-align: justify; margin-top: 5pt; line-height: 14pt;">2015</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Residential - There was a decrease in the historical loss factor for residential loans when comparing 2014 and 2015. The specific reserve for residential loans increased slightly between 2014 and 2015.&#160;&#160; 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 qualitative factor for national, state, regional and local economic trends and business conditions was increased for residential loan categories due to an increase in the unemployment rates in the local economy during 2015 and the reduction in natural gas exploration and extraction activity.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Commercial real estate&#8211; There was an increase in the historical loss factor for commercial real estate loans when comparing 2014 and 2015. The specific reserve for commercial real estate loans decreased slightly between 2014 and 2015. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for all commercial real estate loans due to an increase in the unemployment rates in the local economy during 2015 and the reduction in natural gas exploration and extraction activity. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for commercial real estate 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 real estate 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, due to the length of time employees involved throughout the loan process have been in their positions.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Agricultural real estate &#8211; There were no changes in the historical loss factor and specifc reserve for agricultural real estate loans from 2014 to 2015. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for all agricultural real estate loans due to an increase in the unemployment rates in the local economy during 2015 and the reduction in natural gas exploration and extraction activity. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for agricultural real estate to the decrease in the amount of loans classified as substandard, excluding loans acquired as part of the FNB acquisition. The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for agricultural real estate, due to the length of time employees involved throughout the loan process have been in their positions.&#160; 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 agricultural real estate 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><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Other commercial - There was a decrease in the historical loss factor for other commercial loans when comparing 2014 and 2015. The specific reserve for other commercial loans increased from 2014 to 2015. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for other commercial loans due to an increase in the unemployment rates in the local economy during 2015 and the reduction in natural gas exploration and extraction activity. 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 the amount of loans classified as substandard. The qualitative factor for levels of and trends in charge-offs and recoveries was decreased for other commercial 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 other commercial loans real estate, due to the length of time employees involved throughout the loan process have been in their positions.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Other agricultural - There were no changes in the historical loss factor or specific reserve for other agricultural loans from 2014 to 2015. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for other agricultural real estate loans due to an increase in the unemployment rates in the local economy during 2015 and the reduction in natural gas exploration and extraction activity. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for other agricultural loans to the decrease in the amount of loans classified as substandard, excluding loans acquired as part of the FNB acquisition. The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for other agricultural loans, due to the length of time employees involved throughout the loan process have been in their positions.&#160; 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 other agricultural 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><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Municipal loans - There were no changes in the historical loss factor or specific reserve for municipal loans from 2014 to 2015.<font style="font-size: 10pt; font-family: Arial, sans-serif; background-color: #00ff00;">&#160;</font>The qualitative factor for national, state, regional and local economic trends and business conditions was increased for municipal loans due to an increase in the unemployment rates in the local economy during 2015 and the reduction in natural gas exploration and extraction activity.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; font-weight: bold; text-align: justify; margin-top: 5pt; line-height: 14pt;">2014</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Residential - There was a decrease in the historical loss factor for residential loans when comparing 2013 and 2014. The specific reserve for residential loans decreased slightly between 2013 and 2014. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for residential loans due to a decrease in both local and state unemployment rates during 2014.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Commercial real estate&#8211; There was an increase in the historical loss factor for commercial real estate loans when comparing 2013 and 2014. The specific reserve for commercial real estate loans decreased between 2013 and 2014. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for commercial real estate loans due to a decrease in both local and state unemployment rates during 2014. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was decreased for commercial real estate loans due to the decrease in the Company's classified loans and a decrease in the amount of loans past due. This was the primary cause of the negative provisions of $63,000 for commercial real estate loans. The qualitative factor for levels of and trends in charge-offs and recoveries was increased for commercial real estate 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 commercial real estate loans due to the length of time employees involved throughout the loan process have been in their positions.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Agricultural real estate &#8211; There were no changes in the historical loss factor or specific reserves for agricultural real estate loans from 2013 to 2014. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for agricultural real estate loans due to a decrease in both local and state unemployment rates during 2014. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was decreased for agricultural real estate loans due to the decrease in the Company's classified loans and a decrease in the amount of loans past due. This was the primary cause of the negative provisions of $124,000 for agricultural real estate loans. The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for agricultural real estate 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 decreased for agricultural real estate loans due to the improvement in the agricultural economy as reflected by milk and commodity prices and our customers financial results.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Other commercial - There was an increase in the historical loss factor for other commercial loans when comparing 2013 and 2014. There was no change in the specific reserve for other commercial loans from 2013 to 2014. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for other commercial loans due to a decrease in both local and state unemployment rates during 2014. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial loans due to the increase in the Company's classified loans and loans past due. 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 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 other commercial loans due to the length of time employees involved throughout the loan process have been in their positions.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Other agricultural - There was no change in the historical loss factor or specific reserves for other agricultural loans from 2013 to 2014. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for other agricultural real estate loans due to a decrease in both local and state unemployment rates during 2014. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was decreased for other agricultural real estate loans due to the decrease in the Company's classified loans and a decrease in the amount of loans past due. This was the primary cause of the negative provisions of $39,000 for other agricultural real estate loans. The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for 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 decreased for other agricultural loans due to the improvement in the agricultural economy as reflected by milk and commodity prices and our customers financial results.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: left; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Municipal loans - There was no changes in the historical loss factor or specific reserve for municipal loans from 2013 to 2014. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for municipal loans due to a decrease in both local and state unemployment rates during 2014. The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for municipal loans due to the length of time employees involved throughout the loan process have been in their positions.</div></div> 2000000 4725000 1000000 570000 7334000 64033000 0 1239000 32960000 40437000 -70078000 -8217000 19063000 200000 -788000 -602000 47254000 -18913000 -6621000 -7105000 -7613000 -8308000 12811000 16178000 16194000 14007000 5760000 5083000 11626000 13385000 12638000 12638000 11626000 13385000 23000 283000 -135000 407000 373000 168000 -34000 148000 -145000 13385000 12638000 11626000 3031000 3189000 2857000 3283000 3120000 3171000 2460000 3153000 -22000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Recent Accounting Pronouncements</div><div style="margin-bottom: 12pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 12pt; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">In May&#160;2014, the FASB issued ASU 2014-09, </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Revenue from Contracts with Customers</font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;"> (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&#160;15, 2016, including interim periods within that reporting period. Because the guidance does not apply to revenue associated with financial instruments, including loans and securities,&#160;we do not expect </font><font style="font-size: 10pt; font-family: Arial, sans-serif; background-color: #ffffff;">new standard, or any of the amendments, to result in a material change from our current accounting for revenue because the majority of the Company's financial instruments are not within the scope of Topic 606.&#160; However, we do expect that the standard will result in new disclosure requirements, which are currently being evaluated.</font></div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In August 2015, the FASB issued ASU 2015-14, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Revenue from Contract with Customers</font> (<font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Topic 606</font>). The amendments in this Update defer the effective date of ASU 2014-09 for all entities by one year.&#160; 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.&#160; 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.&#160; The Company is evaluating the effect of adopting this new accounting Update.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In September 2015, the FASB issued ASU 2015-16, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Business Combinations (Topic 805).</font>&#160; 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.&#160; 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.&#160; 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.&#160; 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. This Update is not expected to have a significant impact on the Company's consolidated financial statements.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In January 2016, the FASB issued ASU 2016-01, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Financial Instruments &#8211; Overall (Subtopic 825-10):&#160; Recognition and Measurement of Financial Assets and Financial Liabilities</font>.&#160; This Update applies to all entities that hold financial assets or owe financial liabilities and is intended to provide more useful information on the recognition, measurement, presentation, and disclosure of financial instruments.&#160; Among other things, this Update (a) requires equity investments (except those accounted for under the equity method of accounting or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income; (b) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; (c) eliminates the requirement to disclose the fair value of financial instruments measured at amortized cost for entities that are not public business entities; (d) eliminates the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; (e) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (f) requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (that is, securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; and (g) clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity's other deferred tax assets.&#160; For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years.&#160; For all other entities, including not-for-profit entities and employee benefit plans within the scope of Topics 960 through 965 on plan accounting, the amendments in this Update are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. All entities that are not public business entities may adopt the amendments in this Update earlier as of the fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">In February 2016, the FASB issued ASU 2016-02, </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Leases (Topic 842)</font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">.&#160; The standard requires lessees to recognize the assets and liabilities that arise from leases on the balance sheet.&#160; A lessee should recognize in the statement of financial position a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term.&#160; A short-term lease is defined as one in which (a) the lease term is 12 months or less and (b) there is not an option to purchase the underlying asset that the lessee is reasonably certain to exercise.&#160; For short-term leases, lessees may elect to recognize lease payments over the lease term on a straight-line basis.&#160; For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2018, and interim periods within those years.&#160; For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, and for interim periods within fiscal years beginning after December 15, 2020.&#160; The amendments should be applied at the beginning of the earliest period presented using a modified retrospective approach with earlier application</font> permitted as of the beginning of an interim or annual reporting period.&#160; <font style="font-size: 11pt; font-family: 'Times New Roman', serif;">The Company is currently assessing the practical expedients it may elect at adoption, but does not anticipate the amendments will have a significant impact to the financial statements. Based on the Company's preliminary analysis of its current portfolio, the impact to the Company's balance sheet is estimated to result in less than a 1% increase in assets and liabilities. The Company also anticipates additional disclosures to be provided at adoption</font>.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In March 2016, the FASB issued ASU 2016-08, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Revenue from Contracts with Customers (Topic 606). </font>The amendments in this Update affect entities with transactions included within the scope of Topic 606, which includes entities that enter into contracts with customers to transfer goods or services (that are an output of the entity's ordinary activities) in exchange for consideration. <font style="font-size: 10pt; font-family: Arial, sans-serif; font-weight: bold; font-style: italic;">&#160;</font>The amendments in this Update do not change the core principle of the guidance in Topic 606; they simply clarify the implementation guidance on principal versus agent considerations. The amendments in this Update are intended to improve the operability and understandability of the implementation guidance on principal versus agent considerations. The amendments in this Update affect the guidance in ASU 2014-09, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Revenue from Contracts with Customers (Topic 606),</font> which is not yet effective. The effective date and transition requirements for the amendments in this Update are the same as the effective date and transition requirements of Update 2014-09. ASU No. 2015-14, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date, </font>defers the effective date of Update 2014-09 by one year.&#160; The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In March 2016, the FASB issued ASU 2016-09, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Compensation &#8211; Stock Compensation (Topic 718)</font>. The amendments in this Update affect all entities that issue share-based payment awards to their employees. The standards in this Update provide simplification for several aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as with equity or liabilities, and classification on the statement of cash flows. Some of the areas for simplification apply only to nonpublic entities. In addition to those simplifications, the amendments eliminate the guidance in Topic 718 that was indefinitely deferred shortly after the issuance of FASB Statement No. 123 (revised 2004), <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Share-Based Payment</font>. This should not result in a change in practice because the guidance that is being superseded was never effective. For public business entities, the amendments in this Update are effective for annual periods beginning after December 15, 2016, and interim periods within those annual periods. For all other entities, the amendments are effective for annual periods beginning after December 15, 2017, and interim periods within annual periods beginning after December 15, 2018. Early adoption is permitted for any entity in any interim or annual period. The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #252525;">In </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">April 2016, the FASB issued ASU 2016-10, </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Revenue from Contracts with Customers (Topic 606).</font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">&#160; The amendments in this Update affect entities with transactions included within the scope of Topic 606, which includes entities that enter into contracts with customers to transfer goods or services in exchange for consideration. The amendments in this Update do not change the core principle for revenue recognition in Topic 606. Instead, the amendments provide (1) more detailed guidance in a few areas and (2) additional implementation guidance and examples based on feedback the FASB received from its&#160; stakeholders. The amendments are expected to reduce the degree of judgment necessary to comply with Topic 606, which the FASB expects will reduce the potential for diversity arising in practice and reduce the cost and complexity of applying the guidance.&#160; The amendments in this Update affect the guidance in ASU 2014-09, </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Revenue from Contracts with Customers (Topic 606)</font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">, which is not yet effective. The effective date and transition requirements for the amendments in this Update are the same as the effective date and transition requirements in Topic 606 (and any other Topic amended by Update 2014-09). ASU 2015-14, </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Revenue from Contracts with Customers (Topic 606)</font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">: </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Deferral of the Effective Date</font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">, defers the effective date of Update 2014-09 by one year.&#160; The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.</font></div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In May 2016, the FASB issued ASU 2016-12, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Revenue from Contracts with Customers (Topic 606)</font>, which among other things clarifies the objective of the collectability criterion in Topic 606, as well as certain narrow aspects of Topic 606. The amendments in this Update affect the guidance in ASU 2014-09, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Revenue from Contracts with Customers (Topic 606)</font>, which is not yet effective. The effective date and transition requirements for the amendments in this Update are the same as the effective date and transition requirements for Topic 606 (and any other Topic amended by Update 2014-09). ASU 2015-14, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date</font>, defers the effective date of Update 2014-09 by one year. This Update is not expected to have a significant impact on the Company's consolidated financial statements</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">In June 2016, the FASB issued ASU 2016-13, </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">("ASU 2016-13"), which changes the impairment model for most financial assets. This Update is intended to improve financial reporting by requiring timelier recording of credit losses on loans and other financial instruments held by financial institutions and other organizations.&#160; The underlying premise of the Update is that financial assets measured at amortized cost should be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The allowance for credit losses should reflect management's current estimate of credit losses that are expected to occur over the remaining life of a financial asset.&#160; The income statement will be effected for the measurement of credit losses for newly recognized financial assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. ASU 2016-13 is effective for annual and interim periods beginning after December 15, 2019, and early adoption is permitted for annual and interim periods beginning after December 15, 2018. With certain exceptions, transition to the new requirements will be through a cumulative effect adjustment to opening retained earnings as of the beginning of the first reporting period in which the guidance is adopted.&#160; </font><font style="font-size: 10pt; font-family: Arial, sans-serif; background-color: #ffffff;">We expect to recognize a&#160;one-time&#160;cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but cannot yet determine the magnitude of any such&#160;one-time&#160;adjustment or the overall impact of the new guidance on the consolidated financial statements.</font></div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In August 2016, the FASB issued ASU 2016-15, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Statement of Cash Flows (Topic 230):&#160; Classification of Certain Cash Receipts and Cash Payments</font> ("ASU 2016-15"), which addresses eight specific cash flow issues with the objective of reducing diversity in practice.&#160; Among these include recognizing cash payments for debt prepayment or debt extinguishment as cash outflows for financing activities; cash proceeds received from the settlement of insurance claims should be classified on the basis of the related insurance coverage; and cash proceeds received from the settlement of bank-owned life insurance policies should be classified as cash inflows from investing activities while the cash payments for premiums on bank-owned policies may be classified as cash outflows for investing activities, operating activities, or a combination of investing and operating activities.&#160; The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity that elects early adoption must adopt all of the amendments in the same period. The amendments in this Update should be applied using a retrospective transition method to each period presented. If it is impracticable to apply the amendments retrospectively for some of the issues, the amendments for those issues would be applied prospectively as of the earliest date practicable. The Company is currently evaluating the impact the adoption of the standard will have on the Company's statement of cash flows.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In October 2016, the FASB issued ASU 2016-16, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Income Taxes (Topic 740)</font> ("ASU 2016-16"), which requires recognition of current and deferred income taxes resulting from an intra-entity transfer of any asset (excluding inventory) when the transfer occurs.&#160; Consequently, the amendments in this Update eliminate the exception for an intra-entity transfer of an asset other than inventory. The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, including interim periods within those annual reporting periods. For all other entities, the amendments are effective for annual reporting periods beginning after December 15, 2018, and interim reporting periods within annual periods beginning after December 15, 2019.&#160; Early adoption is permitted for all entities as of the beginning of an annual reporting period for which financial statements (interim or annual) have not been issued or made available for issuance. That is, earlier adoption should be in the first interim period if an entity issues interim financial statements. The amendments in this Update should be applied on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption.&#160; The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In October 2016, the FASB issued ASU 2016-17,<font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;"> Consolidation (Topic 810)</font> ("ASU 2016-17"), which amends the consolidation guidance on how a reporting entity that is the single decision maker of a VIE should treat indirect interests in the entity held through related parties that are under common control with the reporting entity when determining whether it is the primary beneficiary of that VIE. The primary beneficiary of a VIE is the reporting entity that has a controlling financial interest in a VIE and, therefore, consolidates the VIE. A reporting entity has an indirect interest in a VIE if it has a direct interest in a related party that, in turn, has a direct interest in the VIE. Under the amendments, a single decision maker is not required to consider indirect interests held through related parties that are under common control with the single decision maker to be the equivalent of direct interests in their entirety. Instead, a single decision maker is required to include those interests on a proportionate basis consistent with indirect interests held through other related parties.&#160; This Update is not expected to have a significant impact on the Company's consolidated financial statements.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In October 2016, the FASB issued ASU 2016-18,<font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;"> Statement of Cash Flows (Topic 230)</font> ("ASU 2016-18"), which requires that a statement of cash flows explains the change during the period in the total of cash, cash equivalents, and amounts generally described as restricted cash or restricted cash equivalents. Therefore, amounts generally described as restricted cash and restricted cash equivalents should be included with cash and cash equivalents when reconciling the beginning-of-period and end-of-period total amounts shown on the statement of cash flows. The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period.&#160; The amendments in this Update should be applied using a retrospective transition method to each period presented.&#160; The Company is currently evaluating the impact the adoption of the standard will have on the Company's statement of cash flows.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In December 2016, the FASB issued ASU 2016-19, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Technical Corrections and Improvements</font>, which represents changes to clarify, correct errors, or make minor improvements to the Accounting Standards Codification. The amendments make the Accounting Standards Codification easier to understand and easier to apply by eliminating inconsistencies and providing clarifications.&#160; Most of the amendments in this Update do not require transition guidance and are effective upon issuance of this Update. This Update is not expected to have a significant impact on the Company's consolidated financial statements.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In December 2016, the FASB issued ASU 2016-20<font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">, Technical Corrections and Improvements to Topic 606, Revenue from Contracts with Customers</font> "ASU 2016-20".&#160; This Update, among others things, clarifies that guarantee fees within the scope of Topic 460, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Guarantees</font>, (other than product or service warranties) are not within the scope of Topic 606. The effective date and transition requirements for ASU 2016-20 are the same as the effective date and transition requirements for the new revenue recognition guidance. For public entities with a calendar year-end, the new guidance is effective in the quarter and year beginning January 1, 2018. For all other entities with a calendar year-end, the new guidance is effective in the year ending December 31, 2019, and interim periods in 2020.&#160; The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In January 2017, the FASB issued ASU 2017-01, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Business Combinations (Topic 805), Clarifying the Definition of a Business</font> "ASU 2017-01", which provides a more robust framework to use in determining when a set of assets and activities (collectively referred to as a "set") is a business. The screen requires that when substantially all of the fair value of the gross assets acquired (or disposed of) is concentrated in a single identifiable asset or a group of similar identifiable assets, the set is not a business. This screen reduces the number of transactions that need to be further evaluated.&#160; Public business entities should apply the amendments in this Update to annual periods beginning after December 15, 2017, including interim periods within those periods. All other entities should apply the amendments to annual periods beginning after December 15, 2018, and interim periods within annual periods beginning after December 15, 2019.&#160; The amendments in this Update should be applied prospectively on or after the effective date.&#160; The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.</div></div> 150960000 147425000 147425000 150960000 28671000 23429000 20165000 5335000 7301000 5852000 7258000 6814000 6912000 5428000 7200000 7356000 7899000 7423000 1855000 1992000 1908000 1602000 1889000 1876000 1736000 1780000 21000 445000 443000 587000 58438000 225185000 581183000 15816000 2012000 35000 169000 39124000 589000 20178000 123624000 13347000 32000 51297000 0 53695000 110785000 89000 234000 62368000 255000 480081000 0 0 11005000 0 83620000 58693000 35000 0 0 0 0 11543000 0 5105000 0 14045000 137000 25441000 1270000 4150000 446000 1733000 89000 0 0 0 57822000 23388000 213440000 0 0 109000 25441000 0 22852000 10892000 2865000 0 15011000 8284000 0 217544000 448776000 8231000 13318000 0 25365000 828000 0 5669000 0 64000 0 14422000 97514000 58639000 0 0 147047000 2049000 216377000 148730000 0 0 1466000 516605000 62236000 0 4608000 0 44000 4000 39000 1477000 98500000 13066000 13657000 141039000 139734000 98500000 214950000 57549000 1262000 0 11470000 252577000 132000 51396000 218428000 237542000 105000 1648000 9000 0 1 -855000 -249000 2365000 3608000 -1133000 -403000 -606000 -1243000 -730000 1900000 1424000 1287000 1260000 253000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="margin-bottom: 5pt; font-size: 12pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; text-align: justify; margin-top: 5pt; line-height: 20pt;">16. 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vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">97,514</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">10,857</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">14,133</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">782,111</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">3,367</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">799,611</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">405</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; 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vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Loans considered non-accrual</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">172</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">105</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">10,452</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">10,729</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">725</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">11,454</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Loans still accruing</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">147</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">405</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">3,404</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">781,386</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">3,367</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">788,157</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 4px; padding-left: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">3,024</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; 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vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">9</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">13,648</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">13,657</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">State and political</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; 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vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;subdivision loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; 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text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">98,500</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">98,500</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; padding-bottom: 4px; padding-left: 11%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; 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vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">6,006</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">681,925</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Loans considered non-accrual</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">54</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; 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font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 7%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">6,531</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">88</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 25%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">1,876</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Investment securities gains, net</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">126</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">0.79</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div>Gross gains and gross losses were realized as follows (in thousands):</div><div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 45%;"><tr><td valign="bottom" style="width: 30%; vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;</div></td><td valign="bottom" style="width: 1%; 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line-height: 11.4pt;">(loss) on available for </div><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: center; line-height: 11.4pt;">sale securities (a)</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: center; line-height: 11.4pt;">Defined Benefit </div><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: center; line-height: 11.4pt;">Pension Items </div><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: center; line-height: 11.4pt;">(a)</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(108</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; 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vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Balance as of December 31, 2014</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; 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vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">767</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Other comprehensive loss before reclassifications (net of tax)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(606</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(249</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(855</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Amounts reclassified from accumulated other</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;comprehensive income (loss) (net of tax)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(283</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">135</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(148</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Net current period other comprehensive loss</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">(889</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">(114</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">(1,003</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Balance as of December 31, 2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">2,204</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(2,440</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(236</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Balance as of December 31, 2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">2,204</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(2,440</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(236</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Other comprehensive loss before reclassifications (net of tax)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(730</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(403</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(1,133</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Amounts reclassified from accumulated other</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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REGULATORY MATTERS</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Dividend Restrictions:</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The approval of the Federal Reserve Board is required for a bank to pay dividends up to the Company if the total of all dividends declared in any calendar year exceeds the Bank's net income (as defined) for that year combined with its retained net income for the preceding two calendar years. 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line-height: 11.4pt;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">65,217</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; 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background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">&#160;&#160;Bank</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">117,537</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">65,020</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">81,275</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; 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vertical-align: middle; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Company</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">112,599</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; 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border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; 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text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">70,787</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">10.00</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: middle; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">&#160;&#160;Bank</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">108,232</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">56,443</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">70,554</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">10.00</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">56,630</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: middle; background-color: #cceeff;"><div style="font-size: 10pt; 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text-indent: 18pt;">The weighted-average assumptions used to determine benefit obligations at December 31, 2016 and 2015 is summarized in the following table. 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">7,500</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(320</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">1,321</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">1,641</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(25</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">1,616</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt; text-indent: 20pt;">Covenant not to compete</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">125</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(34</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">91</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">125</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">123</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt; text-indent: 40pt;">Total amortized intangible assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">3,237</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(1,141</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">2,096</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">3,102</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(665</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">2,437</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: middle; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Unamortized intangible assets:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: middle; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt; text-indent: 20pt;">Goodwill</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">21,089</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">21,089</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">(1) Excludes fully amortized intangible assets</div></td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; 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background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 60%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Net income applicable to common stock</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">12,638,000</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">11,626,000</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; 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vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: top;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Securities available for sale:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.95pt;">352</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.95pt;">Interest cost</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.95pt;">Change in plan assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.95pt;">Fair value of plan assets at beginning of year</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.95pt;">14,786</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.95pt;">Funded status</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.95pt;">$</div></td><td valign="bottom" style="width: 9%; 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vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 52%; 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vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">10,948</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">11,169</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; 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font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">120</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">120</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">120</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">120</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">175</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; 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text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 35%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;Purchases of available-for-sale securities</div></td><td valign="bottom" style="vertical-align: bottom; 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text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; width: 35%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;Cash dividends paid</div></td><td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; 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border-bottom: #000000 2px solid; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">(7</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">)</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; 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border-bottom: #000000 4px double; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; width: 9%; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">2,245</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; width: 1%; background-color: #cceeff;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 4px double; 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border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: center; line-height: 11.4pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: center; line-height: 11.4pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; 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vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">50,947</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">(269</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.4pt;">Obligations of states and</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;political subdivisions</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">28,398</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">(472</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">767</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">(21</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">29,165</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">(1,109</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">U.S. Agency securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">123,591</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; 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vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">123,591</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">(527</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; 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background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">10,082</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">(21</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">)</div></td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Obligations of states and</div></td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;political subdivisions</div></td><td valign="bottom" style="width: 1%; 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text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">106</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">161,733</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">(801</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">)</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Following are maturities of borrowed funds as of December 31, 2016 (in thousands):</div><div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 35%;"><tr><td valign="bottom" style="width: 15%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">2017</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">79,662</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; line-height: 14pt; text-indent: 18pt;">The total provision for income taxes is different from that computed at the statutory rates due to the following items (in thousands):</div><div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; 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vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">4.50</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; 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vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">10.00</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: middle; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">&#160;&#160;Bank</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">108,232</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">15.34</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">56,443</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">70,554</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">10.00</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td></tr><tr><td colspan="24" valign="bottom" style="vertical-align: middle; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Tier 1 Capital <font style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-style: italic;">(to Risk Weighted Assets):</font></div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: middle; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Company</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">107,612</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">15.20</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">42,472</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">6.00</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">56,630</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: middle; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">&#160;&#160;Bank</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">100,958</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">14.31</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">42,332</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">6.00</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">56,443</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td></tr><tr><td colspan="24" valign="bottom" style="vertical-align: middle; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Common Equity Tier 1 Capital<font style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-style: italic;"> (to Risk Weighted Assets):</font></div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: middle; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Company</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">100,112</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">14.14</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">31,854</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">4.50</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">46,012</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">6.50</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: middle; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">&#160;&#160;Bank</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">100,958</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">14.31</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">2,059</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">18,177</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: middle; padding-bottom: 4px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Total carrying value of collateral pledged</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">16,118</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">2,059</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">18,177</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: middle; padding-bottom: 4px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Total liability recognized for repurchase agreements</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">14,307</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Repurchase Agreements:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: middle; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">U.S. agency securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; 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vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: middle; padding-bottom: 4px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Total liability recognized for repurchase agreements</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; 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padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">16,008</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td></tr></table></div></div> 0 0 18144000 20193000 2059000 18177000 0 18144000 0 16118000 0 0 2059000 0 18177000 2049000 0 2049000 20193000 16118000 14307000 16008000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: justify; margin-top: 5pt; line-height: 14pt;">Cash and Cash Equivalents</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Cash equivalents include cash on hand, deposits in banks and interest-earning deposits.&#160; Interest-earning deposits with original maturities of 90 days or less are considered cash equivalents. Net cash flows are reported for loans, deposits and short term borrowing transactions.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Interest bearing time deposits with other banks are not included with cash and cash equivalents as the original maturities were greater than 90 days.</div></div> 179000 200000 284000 157000 172000 193000 49.26 49.02 52.82 48.13 4110 90 49.98 49.10 8269 8471 150000 49.95 3818 145890 0.0355 0 0.0049 0.0314 0.0076 0.0193 0.01 0.0082 0.0244 0.0169 0.0225 0.0077 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="margin-bottom: 5pt; font-size: 12pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; text-align: justify; margin-top: 5pt; line-height: 20pt;">1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Business and Organization</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Citizens Financial Services, Inc. (individually and collectively, the "Company") is headquartered in Mansfield, Pennsylvania, and provides a full range of banking and related services through its wholly owned subsidiary, First Citizens Community&#160; Bank (the "Bank"), and its wholly owned subsidiary, First Citizens Insurance Agency, Inc.&#160; On December 11, 2015, the Company completed its acquisition of The First National Bank of Fredericksburg (FNB). As of December 31, 2016, the Bank operates twenty five full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks and Schuylkill counties, Pennsylvania and Allegany County, New York and one limited branch office in Union county, Pennsylvania. The Bank also provides trust services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, along with a brokerage division that provides a comprehensive menu of investment services. The Bank serves individual and corporate customers and is subject to competition from other financial institutions and intermediaries with respect to these services.&#160; The Company and Bank are supervised by the Board of Governors of the Federal Reserve System, while the Bank is subject to additional regulation and supervision by the Pennsylvania Department of Banking.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">A summary of significant accounting and reporting policies applied in the presentation of the accompanying financial statements follows:</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Basis of Presentation</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The financial statements are consolidated to include the accounts of the Company and its subsidiary, First Citizens Community Bank, and its subsidiary, First Citizens Insurance Agency, Inc.&#160; These statements have been prepared in accordance with U.S. generally accepted accounting principles.&#160; All significant inter-company accounts and transactions have been eliminated in the consolidated financial statements.</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Use of Estimates</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In preparing the financial statements, management makes estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses for the period.&#160; Actual results could differ significantly from those estimates.&#160; Material estimates that are particularly susceptible to significant change relate to determination of the allowance for loan losses and deferred tax assets and liabilities.</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Operating Segments</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">An operating segment is defined as a component of an enterprise that engages in business activities that generates revenue and incurs expense, and the operating results of which are reviewed by the chief operating decision maker in the determination of resource allocation and performance.&#160; While the Company's chief decision makers monitor the revenue streams of the various Company's products and services, operations are managed and financial performance is evaluated on a Company-wide basis.&#160;Consistent with our internal reporting, the Company's business activities are reported as one segment, which is community banking.<br style="line-height: 14pt;" /></div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: justify; margin-top: 5pt; line-height: 14pt;">Cash and Cash Equivalents</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Cash equivalents include cash on hand, deposits in banks and interest-earning deposits.&#160; Interest-earning deposits with original maturities of 90 days or less are considered cash equivalents. Net cash flows are reported for loans, deposits and short term borrowing transactions.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Interest bearing time deposits with other banks are not included with cash and cash equivalents as the original maturities were greater than 90 days.</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Investment Securities</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Investment securities at the time of purchase are classified as one of the three following types:</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; font-weight: bold;"><u>Held-to-Maturity Securities</u></font> - Includes securities that the Company has the positive intent and ability to hold to maturity. These securities are reported at amortized cost. The Company had no held-to-maturity securities as of December 31, 2016 and 2015.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; font-weight: bold;"><u>Trading Securities</u></font> - Includes debt and equity securities bought and held principally for the purpose of selling them in the near term. Such securities are reported at fair value with unrealized holding gains and losses included in earnings. The Company had no trading securities as of December 31, 2016 and 2015.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; font-weight: bold;"><u>Available-for-Sale Securities</u></font> - Includes debt and equity securities not classified as held-to-maturity or trading securities that will be held for indefinite periods of time. These securities may be sold in response to changes in market interest or prepayment rates, needs for liquidity and changes in the availability of and yield of alternative investments.&#160; Such securities are reported at fair value, with unrealized holding gains and losses excluded from earnings and reported as a separate component of stockholders' equity, net of estimated income tax effect.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The amortized cost of investment in debt securities is adjusted for amortization of premiums and accretion of discounts, computed by a method that results in a level yield. Gains and losses on the sale of investment securities are computed on the basis of specific identification of the adjusted cost of each security.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">Securities are periodically reviewed for other-than-temporary impairment. </font>For debt securities, management considers whether the present value of future 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.<font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;"> A decline in value that is considered to be other-than-temporary is recorded as a loss within non-interest income in the Consolidated Statement of Income.</font></div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Common stock of the Federal Reserve Bank, Federal Home Loan Bank of Pittsburgh (FHLB) and correspondent banks represent ownership in institutions which are wholly owned by other financial institutions. These equity securities are accounted for at cost and are classified as other assets.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The fair value of investments, except certain state and municipal securities, is based on bid prices published in financial newspapers or bid quotations received from securities dealers. The fair value of certain state and municipal securities is not readily available through market sources other than dealer quotations, so fair value is based on quoted market prices of similar instruments, adjusted for differences between the quoted instruments and the instruments being valued.</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Loans Held for Sale</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 15pt; text-indent: 18pt;">Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management's intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value.</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Loans</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Interest on all loans is recognized on the accrual basis based upon the principal amount outstanding. The accrual of interest income on loans is discontinued when, in the opinion of management, doubt exists as to the ability to collect such interest. Payments received on non-accrual loans are applied to the outstanding principal balance or recorded as interest income, depending upon our assessment of our ultimate ability to collect principal and interest.&#160; Loans are returned to the accrual status when factors indicating doubtful collectability cease to exist.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The Company recognizes nonrefundable loan origination fees and certain direct loan origination costs over the life of the related loan as an adjustment of loan yield using the interest method.</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Allowance for Loan Losses</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The allowance for loan losses represents the amount which management estimates is adequate to provide for probable losses inherent in its loan portfolio. The allowance method is used in providing for loan losses. Accordingly, all loan losses are charged to the allowance and all recoveries are credited to it. The allowance for loan losses is established through a provision for loan losses which is charged to operations. The provision is based upon management's periodic evaluation of individual loans, the overall risk characteristics of the various portfolio segments, past experience with losses, the impact of economic conditions on borrowers, and other relevant factors. The estimates used in determining the adequacy of the allowance for loan losses are particularly susceptible to significant change in the near term.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Impaired loans are other commercial, other agricultural, municipal, agricultural real estate, commercial real estate loans and certain residential mortgages cross collateralized with commercial relationships for which it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. The Company individually evaluates such loans for impairment and does not aggregate loans by major risk classifications. The definition of "impaired loans" is not the same as the definition of "non-accrual loans," although the two categories overlap. The Company may choose to place a loan on non-accrual status due to payment delinquency or uncertain collectability, while not classifying the loan as impaired if the loan is not a commercial, agricultural, municipal or commercial real estate loan. Factors considered by management in determining impairment include payment status and collateral value. The amount of impairment for these types of impaired loans is determined by the difference between the present value of the expected cash flows related to the loan, using the original interest rate, and its recorded value; or, as a practical expedient in the case of a collateral dependent loan, the difference between the fair value of the collateral and the recorded amount of the loans.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Mortgage loans on one to four family properties and all consumer loans are large groups of smaller balance homogeneous loans and are measured for impairment collectively. Loans that experience insignificant payment delays, which is defined as 90 days or less, generally are not classified as impaired. Management determines the significance of payment delays on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the borrower's prior payment record, and the amount of shortfall in relation to the principal and interest owed.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The Company allocates the allowance based on the factors described below, which conform to the Company's loan classification policy. In reviewing risk within the Bank's loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The allowance for loan losses consists of amounts applicable to: (i) residential real estate loans; (ii) commercial real estate (iii) agricultural real estate loans; (iv) construction; (v) consumer loans; (vi) other commercial loans (vii) other agricultural loans and (viii) 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 for each risk category 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><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 14pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Level of and trends in delinquencies, impaired/classified loans</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 72pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Wingdings; text-align: left; margin-left: 54pt; line-height: 14pt;">&#167;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Change in volume and severity of past due loans</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 72pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Wingdings; text-align: left; margin-left: 54pt; line-height: 14pt;">&#167;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Volume of non-accrual loans</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 72pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Wingdings; text-align: left; margin-left: 54pt; line-height: 14pt;">&#167;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Volume and severity of classified, adversely or graded loans</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 14pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Level of and trends in charge-offs and recoveries</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 14pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Trends in volume, terms and nature of the loan portfolio</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 14pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">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" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 14pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Changes in the quality of the Bank's loan review system</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 14pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Experience, ability and depth of lending management and other relevant staff</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 14pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">National, state, regional and local economic trends and business conditions</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 72pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Wingdings; text-align: left; margin-left: 54pt; line-height: 14pt;">&#167;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">General economic conditions</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 72pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Wingdings; text-align: left; margin-left: 54pt; line-height: 14pt;">&#167;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Unemployment rates</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 72pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Wingdings; text-align: left; margin-left: 54pt; line-height: 14pt;">&#167;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Inflation / CPI</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 72pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Wingdings; text-align: left; margin-left: 54pt; line-height: 14pt;">&#167;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Changes in values of underlying collateral for collateral-dependent loans</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 14pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Industry conditions including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses.</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 14pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Existence and effect of any credit concentrations, and changes in the level of such concentrations</div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 100%;"><tr><td style="width: 36pt; vertical-align: top; align: right;"><div style="font-size: 10pt; font-family: Symbol, serif; text-align: left; margin-left: 18pt; line-height: 14pt;">&#183;</div></td><td style="width: auto; vertical-align: top;"><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt;">Any change in the level of board oversight</div></td></tr></table></div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The Company analyzes its loan portfolio each quarter to determine the appropriateness of its allowance for loan losses.</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; font-style: italic; text-align: left; margin-top: 5pt; line-height: 11.4pt;">Loan Charge-off Policies</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Consumer loans are generally fully or partially charged down to the fair value of collateral securing the asset when the loan is 180 days past due for open-end loans or 120 days past due for closed-end loans unless the loan is well secured and in the process of collection. All other loans are generally charged down to the net realizable value when the loan is 90 days past due.</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; font-style: italic; text-align: justify; margin-top: 5pt; line-height: 11.4pt;">Troubled Debt Restructurings</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">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 either interest or principal, management measures any impairment on the restructuring as noted above for impaired loans. In addition to the allowance for the pooled portfolios, management has developed a separate allowance for loans that are identified as impaired through a TDR. TDRs are excluded from pooled loss forecasts and a separate reserve is provided under the accounting guidance for loan impairment.</div><div style="font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; font-style: italic; text-align: left; margin-top: 9pt; line-height: 11.4pt;">Purchased Credit Impaired Loans</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The Company purchased loans in connection with its acquisition of FNB in 2015, some of which showed evidence of credit deterioration as of the acquisition since origination. These purchased credit impaired (PCI) loans were recorded at the amount paid, such that there is no carryover of the seller's allowance for loan losses. After acquisition, losses are recognized by an increase in the allowance for loan losses. Over the life of the loan, expected cash flows continue to be estimated. If this subsequent estimated indicated that the present value of expected cash flows is less than the carrying amount, a charge to the allowance for loan loss is made through a provision. If the estimate indicates that the present value of the expected cash flows is greater than the carrying amount, it is recognized as part of future interest income.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Such purchased credit impaired loans are accounted for individually, and the Company estimates the amount and timing of expected cash flows for each loan. The expected cash flows in excess of the amount paid is recorded as interest income over the remaining life of the loan (accretable yield). The excess of the loan's contractual principal and interest over expected cash flows is not amortized over the remaining life of the loan (nonaccretable difference).</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">For loans purchased that did not show evidence of credit deterioration, the difference between the fair value of the loan at the acquisition date and the loan's face value is being amortized as a yield adjustment over the estimated remaining life of the loan using the effective interest method.</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Foreclosed Assets Held For Sale</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Foreclosed assets acquired in settlement of loans are carried at fair value, less estimated costs to sell. Prior to foreclosure, the value of the underlying loan is written down to fair market value of the real estate or other assets to be acquired by a charge to the allowance for loan losses, if necessary. Any subsequent write-downs are charged against operating expenses. Operating expenses of such properties, net of related income and losses on disposition, are included in other expenses and gains and losses are included in other non-interest income or other non-interest expense.</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Premises and Equipment</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Land is carried at cost. Premises and equipment are stated at cost, less accumulated depreciation. Depreciation expense is computed on straight line and accelerated methods over the estimated useful lives of the assets, which range from 3 to 15 years for furniture, fixtures and equipment and 5 to 40 years for building premises. Repair and maintenance expenditures which extend the useful life of an asset are capitalized and other repair expenditures are expensed as incurred.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">When premises or equipment are retired or sold, the remaining cost and accumulated depreciation are removed from the accounts and any gain or loss is credited to income or charged to expense, respectively.</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Intangible Assets</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Intangible assets include core deposit intangibles, covenants not to compete and mortgage servicing rights (MSRs). Core deposit intangibles are a measure of the value of consumer demand and savings deposits acquired in business combinations accounted for as purchases. Covenants not to compete are payments made to former employees as compensation for agreeing not to work for competitors. The core deposit intangibles are being amortized over 10 years using the sum-of-the-years digits method of amortization, while the covenant not to compete is being amortized over four years on a straight line basis.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">MSR's arose from the Company originating certain loans for the express purpose of selling such loans in the secondary market.&#160; The Company maintains all servicing rights for these loans.&#160; The loans held for sale are carried at lower of cost or market.&#160; Originated MSRs are recorded by allocating total costs incurred between the loan and servicing rights based on their relative fair values.&#160; MSRs are amortized in proportion to the estimated servicing income over the estimated life of the servicing portfolio and measured annually for impairment.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The recoverability of the carrying value of intangible assets is evaluated on an ongoing basis, and permanent declines in value, if any, are charged to expense.</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Goodwill</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The Company utilizes a two-step process for testing the impairment of goodwill on at least an annual basis.&#160; This approach could cause more volatility in the Company's reported net income because impairment losses, if any, could occur irregularly and in varying amounts.&#160; The Company may also perform a qualitative assessment to determine whether it is more likely than not that the fair value of the reporting unit is less than its carrying value. Based on the fair value of the reporting unit, no impairment of goodwill was recognized in 2016, 2015 or 2014.</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Bank Owned Life Insurance</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">The Company has purchased life insurance policies on certain employees. Prior to January 1, 2015</font>, the Company was the owner and sole beneficiary of the policies. Effective January 1, 2015, the insurance policies were restructured 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.&#160; Under these restructured agreements, the Bank receives the cash surrender value of the policy plus 50% of the benefit in excess of the cash surrender value and the remaining amount of the payout will be given to the beneficiary of the policy<font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">. Additionally, as a result of the acquisition of FNB, the Company acquired life insurance policies on former FNB employees and directors. The policies obtained as part of the acquisition provide a fixed dollar benefit to the former employee or director beneficiaries, whether or not the insured person is affiliated with the Company at the time of his or her death. Bank owned life insurance is recorded at its cash surrender value, or the amount that can be realized.&#160; Increases in the cash surrender value are recognized as other non-interest income.&#160; The obligation under an split-dollar benefit agreements to former employees and directors or their beneficiaries have been recognized as liabilities on the consolidated balance sheet.</font></div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Income Taxes</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The Company and the Bank file a consolidated federal income tax return.&#160; Deferred tax assets and liabilities are computed based on the difference between the financial statement basis and income tax basis of assets and liabilities using the enacted marginal tax rates.&#160; Deferred income tax expenses or benefits are based on the changes in the net deferred tax asset or liability from period to period.</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Employee Benefit Plans</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The Company has noncontributory defined benefit pension plans covering employees hired before January 1, 2007 and employees acquired as part of the FNB acquisition. It is the Company's policy to fund pension costs on a current basis to the extent deductible under existing tax regulations. Such contributions are intended to provide not only for benefits attributed to service to date, but also for those expected to be earned in the future.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The Company has a defined contribution, 401(k) plan covering eligible employees. The employee may also contribute to the plan on a voluntary basis, up to a maximum percentage allowable not to exceed the limits of Code Sections 401(k).&#160;&#160; Under the plan, the Company also makes contributions on behalf of eligible employees, which vest immediately. For employees hired after January 1, 2007, in lieu of the pension plan, an additional annual discretionary 401(k) plan contribution is made and is equal to a percentage of an employee's base compensation.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The Company also has a profit-sharing plan for employees which provide tax-deferred salary savings to plan participants.&#160; The Company has a deferred compensation plan for directors who have elected to defer all or portions of their fees until their retirement or termination from service.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The Company has a restricted stock plan which covers eligible employees and non-employee corporate directors.&#160; Under the plan, awards are granted based upon performance related requirements and are subject to certain vesting criteria.&#160; Compensation cost related to restricted stock is recognized based on the market price of the stock at the grant date over the vesting period.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">The Company has an employee stock purchase plan that allows employees to withhold money from their paychecks, which is then utilized to purchase shares of the Company's stock on either the open market or through treasury stock, if shares are unavailable on the open market.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">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.&#160; The SERP is considered an unfunded plan for tax and ERISA purposes and all obligations arising under the SERP are payable from the general assets of the Company.&#160; Expenses under the SERP are recognized as earned over the expected years of service.</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Advertising Costs</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">Advertising costs are generally expensed as incurred.</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Comprehensive Loss</div><div style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; line-height: 14pt; text-indent: 18pt;">The Company is required to present comprehensive income in a full set of general purpose financial statements for all periods presented. Other comprehensive loss is comprised of unrealized holding gains (losses) on the available-for-sale securities portfolio and unrecognized pension costs.</div><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Recent Accounting Pronouncements</div><div style="margin-bottom: 12pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 12pt; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">In May&#160;2014, the FASB issued ASU 2014-09, </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Revenue from Contracts with Customers</font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;"> (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&#160;15, 2016, including interim periods within that reporting period. Because the guidance does not apply to revenue associated with financial instruments, including loans and securities,&#160;we do not expect </font><font style="font-size: 10pt; font-family: Arial, sans-serif; background-color: #ffffff;">new standard, or any of the amendments, to result in a material change from our current accounting for revenue because the majority of the Company's financial instruments are not within the scope of Topic 606.&#160; However, we do expect that the standard will result in new disclosure requirements, which are currently being evaluated.</font></div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In August 2015, the FASB issued ASU 2015-14, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Revenue from Contract with Customers</font> (<font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Topic 606</font>). The amendments in this Update defer the effective date of ASU 2014-09 for all entities by one year.&#160; 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.&#160; 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.&#160; The Company is evaluating the effect of adopting this new accounting Update.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In September 2015, the FASB issued ASU 2015-16, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Business Combinations (Topic 805).</font>&#160; 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.&#160; 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.&#160; 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.&#160; 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. This Update is not expected to have a significant impact on the Company's consolidated financial statements.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In January 2016, the FASB issued ASU 2016-01, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Financial Instruments &#8211; Overall (Subtopic 825-10):&#160; Recognition and Measurement of Financial Assets and Financial Liabilities</font>.&#160; This Update applies to all entities that hold financial assets or owe financial liabilities and is intended to provide more useful information on the recognition, measurement, presentation, and disclosure of financial instruments.&#160; Among other things, this Update (a) requires equity investments (except those accounted for under the equity method of accounting or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income; (b) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; (c) eliminates the requirement to disclose the fair value of financial instruments measured at amortized cost for entities that are not public business entities; (d) eliminates the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; (e) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (f) requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (that is, securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; and (g) clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity's other deferred tax assets.&#160; For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years.&#160; For all other entities, including not-for-profit entities and employee benefit plans within the scope of Topics 960 through 965 on plan accounting, the amendments in this Update are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. All entities that are not public business entities may adopt the amendments in this Update earlier as of the fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">In February 2016, the FASB issued ASU 2016-02, </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Leases (Topic 842)</font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">.&#160; The standard requires lessees to recognize the assets and liabilities that arise from leases on the balance sheet.&#160; A lessee should recognize in the statement of financial position a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term.&#160; A short-term lease is defined as one in which (a) the lease term is 12 months or less and (b) there is not an option to purchase the underlying asset that the lessee is reasonably certain to exercise.&#160; For short-term leases, lessees may elect to recognize lease payments over the lease term on a straight-line basis.&#160; For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2018, and interim periods within those years.&#160; For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, and for interim periods within fiscal years beginning after December 15, 2020.&#160; The amendments should be applied at the beginning of the earliest period presented using a modified retrospective approach with earlier application</font> permitted as of the beginning of an interim or annual reporting period.&#160; <font style="font-size: 11pt; font-family: 'Times New Roman', serif;">The Company is currently assessing the practical expedients it may elect at adoption, but does not anticipate the amendments will have a significant impact to the financial statements. Based on the Company's preliminary analysis of its current portfolio, the impact to the Company's balance sheet is estimated to result in less than a 1% increase in assets and liabilities. The Company also anticipates additional disclosures to be provided at adoption</font>.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In March 2016, the FASB issued ASU 2016-08, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Revenue from Contracts with Customers (Topic 606). </font>The amendments in this Update affect entities with transactions included within the scope of Topic 606, which includes entities that enter into contracts with customers to transfer goods or services (that are an output of the entity's ordinary activities) in exchange for consideration. <font style="font-size: 10pt; font-family: Arial, sans-serif; font-weight: bold; font-style: italic;">&#160;</font>The amendments in this Update do not change the core principle of the guidance in Topic 606; they simply clarify the implementation guidance on principal versus agent considerations. The amendments in this Update are intended to improve the operability and understandability of the implementation guidance on principal versus agent considerations. The amendments in this Update affect the guidance in ASU 2014-09, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Revenue from Contracts with Customers (Topic 606),</font> which is not yet effective. The effective date and transition requirements for the amendments in this Update are the same as the effective date and transition requirements of Update 2014-09. ASU No. 2015-14, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date, </font>defers the effective date of Update 2014-09 by one year.&#160; The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In March 2016, the FASB issued ASU 2016-09, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Compensation &#8211; Stock Compensation (Topic 718)</font>. The amendments in this Update affect all entities that issue share-based payment awards to their employees. The standards in this Update provide simplification for several aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as with equity or liabilities, and classification on the statement of cash flows. Some of the areas for simplification apply only to nonpublic entities. In addition to those simplifications, the amendments eliminate the guidance in Topic 718 that was indefinitely deferred shortly after the issuance of FASB Statement No. 123 (revised 2004), <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Share-Based Payment</font>. This should not result in a change in practice because the guidance that is being superseded was never effective. For public business entities, the amendments in this Update are effective for annual periods beginning after December 15, 2016, and interim periods within those annual periods. For all other entities, the amendments are effective for annual periods beginning after December 15, 2017, and interim periods within annual periods beginning after December 15, 2018. Early adoption is permitted for any entity in any interim or annual period. The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #252525;">In </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">April 2016, the FASB issued ASU 2016-10, </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Revenue from Contracts with Customers (Topic 606).</font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">&#160; The amendments in this Update affect entities with transactions included within the scope of Topic 606, which includes entities that enter into contracts with customers to transfer goods or services in exchange for consideration. The amendments in this Update do not change the core principle for revenue recognition in Topic 606. Instead, the amendments provide (1) more detailed guidance in a few areas and (2) additional implementation guidance and examples based on feedback the FASB received from its&#160; stakeholders. The amendments are expected to reduce the degree of judgment necessary to comply with Topic 606, which the FASB expects will reduce the potential for diversity arising in practice and reduce the cost and complexity of applying the guidance.&#160; The amendments in this Update affect the guidance in ASU 2014-09, </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Revenue from Contracts with Customers (Topic 606)</font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">, which is not yet effective. The effective date and transition requirements for the amendments in this Update are the same as the effective date and transition requirements in Topic 606 (and any other Topic amended by Update 2014-09). ASU 2015-14, </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Revenue from Contracts with Customers (Topic 606)</font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">: </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Deferral of the Effective Date</font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">, defers the effective date of Update 2014-09 by one year.&#160; The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.</font></div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In May 2016, the FASB issued ASU 2016-12, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Revenue from Contracts with Customers (Topic 606)</font>, which among other things clarifies the objective of the collectability criterion in Topic 606, as well as certain narrow aspects of Topic 606. The amendments in this Update affect the guidance in ASU 2014-09, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Revenue from Contracts with Customers (Topic 606)</font>, which is not yet effective. The effective date and transition requirements for the amendments in this Update are the same as the effective date and transition requirements for Topic 606 (and any other Topic amended by Update 2014-09). ASU 2015-14, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date</font>, defers the effective date of Update 2014-09 by one year. This Update is not expected to have a significant impact on the Company's consolidated financial statements</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">In June 2016, the FASB issued ASU 2016-13, </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">("ASU 2016-13"), which changes the impairment model for most financial assets. This Update is intended to improve financial reporting by requiring timelier recording of credit losses on loans and other financial instruments held by financial institutions and other organizations.&#160; The underlying premise of the Update is that financial assets measured at amortized cost should be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The allowance for credit losses should reflect management's current estimate of credit losses that are expected to occur over the remaining life of a financial asset.&#160; The income statement will be effected for the measurement of credit losses for newly recognized financial assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. ASU 2016-13 is effective for annual and interim periods beginning after December 15, 2019, and early adoption is permitted for annual and interim periods beginning after December 15, 2018. With certain exceptions, transition to the new requirements will be through a cumulative effect adjustment to opening retained earnings as of the beginning of the first reporting period in which the guidance is adopted.&#160; </font><font style="font-size: 10pt; font-family: Arial, sans-serif; background-color: #ffffff;">We expect to recognize a&#160;one-time&#160;cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but cannot yet determine the magnitude of any such&#160;one-time&#160;adjustment or the overall impact of the new guidance on the consolidated financial statements.</font></div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In August 2016, the FASB issued ASU 2016-15, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Statement of Cash Flows (Topic 230):&#160; Classification of Certain Cash Receipts and Cash Payments</font> ("ASU 2016-15"), which addresses eight specific cash flow issues with the objective of reducing diversity in practice.&#160; Among these include recognizing cash payments for debt prepayment or debt extinguishment as cash outflows for financing activities; cash proceeds received from the settlement of insurance claims should be classified on the basis of the related insurance coverage; and cash proceeds received from the settlement of bank-owned life insurance policies should be classified as cash inflows from investing activities while the cash payments for premiums on bank-owned policies may be classified as cash outflows for investing activities, operating activities, or a combination of investing and operating activities.&#160; The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity that elects early adoption must adopt all of the amendments in the same period. The amendments in this Update should be applied using a retrospective transition method to each period presented. If it is impracticable to apply the amendments retrospectively for some of the issues, the amendments for those issues would be applied prospectively as of the earliest date practicable. The Company is currently evaluating the impact the adoption of the standard will have on the Company's statement of cash flows.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In October 2016, the FASB issued ASU 2016-16, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Income Taxes (Topic 740)</font> ("ASU 2016-16"), which requires recognition of current and deferred income taxes resulting from an intra-entity transfer of any asset (excluding inventory) when the transfer occurs.&#160; Consequently, the amendments in this Update eliminate the exception for an intra-entity transfer of an asset other than inventory. The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, including interim periods within those annual reporting periods. For all other entities, the amendments are effective for annual reporting periods beginning after December 15, 2018, and interim reporting periods within annual periods beginning after December 15, 2019.&#160; Early adoption is permitted for all entities as of the beginning of an annual reporting period for which financial statements (interim or annual) have not been issued or made available for issuance. That is, earlier adoption should be in the first interim period if an entity issues interim financial statements. The amendments in this Update should be applied on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption.&#160; The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In October 2016, the FASB issued ASU 2016-17,<font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;"> Consolidation (Topic 810)</font> ("ASU 2016-17"), which amends the consolidation guidance on how a reporting entity that is the single decision maker of a VIE should treat indirect interests in the entity held through related parties that are under common control with the reporting entity when determining whether it is the primary beneficiary of that VIE. The primary beneficiary of a VIE is the reporting entity that has a controlling financial interest in a VIE and, therefore, consolidates the VIE. A reporting entity has an indirect interest in a VIE if it has a direct interest in a related party that, in turn, has a direct interest in the VIE. Under the amendments, a single decision maker is not required to consider indirect interests held through related parties that are under common control with the single decision maker to be the equivalent of direct interests in their entirety. Instead, a single decision maker is required to include those interests on a proportionate basis consistent with indirect interests held through other related parties.&#160; This Update is not expected to have a significant impact on the Company's consolidated financial statements.</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;">In October 2016, the FASB issued ASU 2016-18,<font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;"> Statement of Cash Flows (Topic 230)</font> ("ASU 2016-18"), which requires that a statement of cash flows explains the change during the period in the total of cash, cash equivalents, and amounts generally described as restricted cash or restricted cash equivalents. Therefore, amounts generally described as restricted cash and restricted cash equivalents should be included with cash and cash equivalents when reconciling the beginning-of-period and end-of-period total amounts shown on the statement of cash flows. The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. 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text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">1,188</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;Agricultural</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">5</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">1,956</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">1,956</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.4pt;">Other commercial loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">3</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">3,076</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">3,076</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.4pt;">Other agricultural loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">7</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">1,558</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">1,558</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Total</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">19</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">7,778</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">7,778</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; font-style: italic;">&#160;</font>2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">71</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; 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border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">71</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">19</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">71</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; 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text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; font-style: italic;">&#160;</font>2014</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; 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vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">2</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; 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border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: center; line-height: 11.4pt;">Number of </div><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: center; line-height: 11.4pt;">contracts</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: center; line-height: 11.4pt;">Recorded </div><div style="font-size: 10pt; 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text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;Commercial</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">15,011</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; 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vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">9</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">57,549</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">5,640</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; 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In accordance with industry practice, fees are recorded on the cash basis and approximate the fees which would have been recognized on the accrual basis.</div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="margin-bottom: 5pt; font-size: 11pt; font-family: Arial, sans-serif; font-weight: bold; color: #000000; font-style: italic; text-align: left; margin-top: 5pt; line-height: 20pt;">Bank Owned Life Insurance</div><div style="margin-bottom: 5pt; font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; margin-top: 5pt; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">The Company has purchased life insurance policies on certain employees. Prior to January 1, 2015</font>, the Company was the owner and sole beneficiary of the policies. Effective January 1, 2015, the insurance policies were restructured 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.&#160; Under these restructured agreements, the Bank receives the cash surrender value of the policy plus 50% of the benefit in excess of the cash surrender value and the remaining amount of the payout will be given to the beneficiary of the policy<font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">. Additionally, as a result of the acquisition of FNB, the Company acquired life insurance policies on former FNB employees and directors. 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border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">2,059</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: middle; padding-bottom: 4px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: left; line-height: 11.4pt;">Total liability recognized for repurchase agreements</div></td><td valign="bottom" style="width: 1%; 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padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; padding-bottom: 4px; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">14,307</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; 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vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 35%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Repurchase Agreements:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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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 collateral pledged on the repurchase agreements by the remaining contractual maturity of the repurchase agreements in the Consolidated Balance Sheets as of December 31, 2016 and December 31, 2015 is presented in the following tables. (f) Term Loans consist of separate loans with the FHLB of Pittsburgh as follows (in thousands): December 31, December 31, Interest Rate Maturity 2015 2014 Fixed: 2.29% October 2, 2017 2,000 2,000 2.72% July 12, 2018 1,000 1,000 1.87% February 4, 2019 2,000 2,000 2.61% February 3, 2021 2,000 2,000 3.52% July 12, 2021 2,000 2,000 2.37% August 20, 2021 2,800 2,800 2.08% January 6, 2022 4,725 4,725 Total term loans $ 16,525 $ 16,525 The Federal Reserve Bank Borrower in Custody (FRB BIC) Line consists of a borrower in custody in agreement open in January 2010 with the Federal Reserve Bank of Philadelphia secured by municipal loans maintained in the Company's possession. As of December 31, 2016 and 2015, the Company has a borrowing limit of $4,360,000 and $7,949,000, respectively, inclusive of any outstanding advances. The approximate carrying value of the municipal loan collateral was $15,560,000 and $16,146,000 as of December 31, 2016 and 2015, respectively. In December 2003, the Company formed a special purpose entity ("Entity") to issue $7,500,000 of floating rate obligated mandatory redeemable trust preferred securities as part of a pooled offering. The rate was determined quarterly and floated based on the 3 month LIBOR plus 2.80. The Entity may redeem them, in whole or in part, at face value after December 17, 2008, and on a quarterly basis thereafter. The Company borrowed the proceeds of the issuance from the Entity in December 2003 in the form of a $7,500,000 note payable. Debt issue costs of $75,000 have been capitalized and fully amortized as of December 31, 2008. 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. The federal funds line consists of an unsecured line from a third party bank at market rates. The Company has a borrowing limit of $10,000,000, inclusive of any outstanding balances. No specific collateral is required to be pledged for these borrowings. FHLB Advances consist of an "Open RepoPlus" agreement with the FHLB of Pittsburgh. FHLB "Open RepoPlus" advances are short-term borrowings that bear interest based on the FHLB discount rate or Federal Funds rate, whichever is higher. The Company has a borrowing limit of $343,209,000, inclusive of any outstanding advances. FHLB advances are secured by a blanket security agreement that includes the Company's FHLB stock, as well as certain investment and mortgage-backed securities held in safekeeping at the FHLB and certain residential and commercial mortgage loans. Excludes fully amortized intangible assets Amounts in parentheses indicate debits. Amounts in parentheses indicate debits on the consolidated balance sheet. 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Fiscal Year Maturity [Abstract] Net gains Available-for-sale Securities, Gross Realized Gain (Loss) Due in one year or less Gross gains Bank owned life insurance Earnings on bank owned life insurance Earnings on bank owned life insurance DEPOSITS [Abstract] Buildings [Member] Building Premises [Member] Building and Building Improvements [Member] Noncash or Part Cash Acquisitions by Unique Description [Axis] Schedule of Business Acquisitions, by Acquisition [Axis] Value assigned to Citizens Financial Services, Inc. common share (in dollars per share) Business Acquisition, Share Price Other assets Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Other Noncurrent Assets Deferred tax asset Deferred tax asset Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Deferred Tax Assets Noncurrent Total liabilities assumed Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities Purchase price assigned to FNB common shares exchanged for Citizens Financial Services, Inc. Business Combination, Consideration Transferred, Equity Interests Issued and Issuable Cash and cash equivalents acquired Cash and cash equivalents Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Cash and Equivalents Available-for-sale securities Securities available for sale Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Marketable Securities Total Non-cash assets acquired Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets Noncash or Part Cash Acquisition, Name [Domain] Business Acquisition, Acquiree [Domain] Total Purchase Price Business Combination, Consideration Transferred ACQUISITION OF FNB [Abstract] Citizens Financial Services, Inc. shares issued (in shares) Business Acquisition, Equity Interest Issued or Issuable, Number of Shares Other liabilities Other liabilities Business Combination, Recognized Identifiable Assets Acquired and Liabilities 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accounting adjustments related to the purchased impaired loans in FNB Acquisition [Abstract] Loans acquired with specific evidence of deterioration in credit quality [Abstract] Changes in the accretable yield for purchased credit-impaired loans [Roll Forward] Reclassification of non-accretable discount Interest bearing time deposits with other banks 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] COMMITMENTS AND CONTINGENT LIABILITIES Commitments and Contingencies Disclosure [Text Block] Commitments to Extend Credit [Member] COMMITMENTS AND CONTINGENT LIABILITIES [Abstract] Cash dividends (in dollars per share) Common Stock [Member] CASH DIVIDENDS PER SHARE (in dollars per share) Common Stock, issued (in shares) Common Stock, authorized (in shares) Common Stock $1.00 par value; authorized 15,000,000 shares 2016 and 2015; issued 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Certificates of deposit of $250,000 or more [Abstract] Contractual Maturities, Time Deposits, $100,000 or More [Abstract] Contractual obligation Core Deposits [Member] Core Deposit Intangibles [Member] Core Deposits [Member] Corporate Obligations [Member] Corporate Debt Securities [Member] FEDERAL HOME LOAN BANK (FHLB) STOCK Cost-method Investments, Description [Text Block] Currently payable Doubtful [Member] Debt Instrument [Line Items] Debt Instrument, Redemption, Period [Axis] Variable rate basis Borrowed funds Borrowed funds Total borrowed funds Debt and Capital Lease Obligations Debt Instrument, Redemption, Period [Domain] Schedule of Long-term Debt Instruments [Table] Basis spread on variable rate Face amount of debt Maximum borrowing limit Stated interest rate Borrowed funds Debt Instrument, Fair Value Disclosure Maturity date Weighted average interest rate as of year end Deferred interest expense Deferred Compensation Arrangement with Individual, Compensation Expense Deferred Compensation Arrangement with Individual, Postretirement Benefits [Line Items] Investment securities accretion Deferred Tax Liabilities, Investments Deferred income taxes Deferred tax liability (asset) Total Deferred Tax Liabilities, Gross Deferred tax assets [Abstract] Total Deferred Tax Assets, Net of Valuation Allowance NOL carry forward Deferred tax asset, net Deferred Tax Assets, Net Allowance for losses on available-for-sale securities Allowance for loan losses AMT Credit Carryforward Deferred compensation Other Deferred Tax Assets, Other Incentive plan accruals Goodwill and core deposit intangibles Deferred Tax Liabilities, Goodwill and Intangible Assets Deferred tax liabilities [Abstract] Other Deferred Tax Liabilities, Other Mortgage servicing rights Deferred Tax Liabilities, Mortgage Servicing Rights Loan fees and costs Deferred Tax Liabilities, Deferred Expense, Debt Issuance Costs Premises and equipment Deferred Tax Liabilities, Property, Plant and Equipment Valuation allowance Deferred compensation liability 2017 Defined Benefit Plan, Expected Future Benefit Payments, Next Twelve Months Target plan asset allocations range minimum 2019 Defined Benefit Plan, Expected Future Benefit Payments, Year Three Discount rate Expected employer contribution to pension plan 2018 Defined Benefit Plan, Expected Future Benefit Payments, Year Two Rate of compensation increase Actual return (loss) on plan assets Amounts recognized in accumulated other comprehensive loss consists of [Abstract] 2022 - 2026 Defined Benefit Plan, Expected Future Benefit Payments, Five Fiscal Years Thereafter Actuarial (Gain) / Loss Defined Benefit Plan, Actuarial Gain (Loss) Amounts that will be amortized from accumulated other comprehensive loss into the net periodic benefit cost in 2017 related to prior service cost (benefit) Plan assets at fair value [Abstract] Amounts that will be amortized from accumulated other comprehensive loss into the net periodic benefit cost in 2017, related 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Individually Evaluated for Impairment Financing Receivable Portfolio Segment [Domain] 30 to 59 Days Past Due [Member] Finite-Lived Intangible Assets by Major Class [Axis] 2018 Net carrying value Finite-Lived Intangible Assets, Net Accumulated amortization Finite-Lived Intangible Assets, Accumulated Amortization Actual and Estimated Future Amortization Expense [Abstract] 2017 Finite-Lived Intangible Assets [Line Items] Finite-Lived Intangible Assets [Line Items] Gross carrying value Finite-Lived Intangible Assets, Gross Useful Life Finite-Lived Intangible Asset, Useful Life Finite-Lived Intangible Assets, Major Class Name [Domain] Amortizing intangible assets [Abstract] 2021 Finite-Lived Intangible Assets, Amortization Expense, Year Five Estimated Amortization Expense [Abstract] 2020 2019 First Mortgage [Member] Other real estate owned Repossessed Assets Furniture, Fixtures and Equipment [Member] Furniture, Fixtures and Equipment [Member] Investment securities gains, net Investment securities gains, net Realized securities gains Investment securities gains Investment securities gains, net Gains on loans sold Realized gains on loans sold Goodwill Goodwill and Intangible Assets, Goodwill, Policy [Policy Text Block] Goodwill impairment loss Goodwill, Impairment Loss Goodwill Goodwill resulting from the FNB merger Goodwill resulting from merger GOODWILL AND OTHER INTANGIBLE ASSETS Goodwill and Intangible Assets Disclosure [Text Block] GOODWILL AND OTHER INTANGIBLE ASSETS [Abstract] Intangible Assets [Abstract] Held-to-maturity securities Held-to-maturity Securities Home Equity [Member] Home Equity [Member] Impaired financing receivables with associated allowance amount Recorded Investment With Allowance Recorded Investment With No Allowance Interest Income Recognized Impaired Financing Receivable, Interest Income, Accrual Method Unpaid Principal Balance Purchased Credit Impaired Loans Impaired Financing Receivable, Policy [Policy Text Block] Average Recorded Investment Impaired Financing Receivable, Average Recorded Investment Related Allowance Total Recorded Investment Impaired Financing Receivable, Recorded Investment Interest Income Recognized Cash Basis Impaired Financing Receivable, Interest Income, Cash Basis Method INCOME TAXES [Abstract] Income before provision for income taxes Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Noncontrolling Interest INCOME TAXES Income Tax Disclosure [Text Block] Provision for income taxes Provision for income taxes Provision for income taxes Consolidated Statement of Income [Abstract] CONDENSED STATEMENT OF INCOME [Abstract] Provision at statutory rates on pre-tax income Provision for income taxes [Abstract] Total provision for income taxes reconciliation [Abstract] Effective Income Tax Rate Reconciliation, Amount [Abstract] Other items Income Taxes Income taxes paid Effect of tax-exempt income Effective Income Tax Rate Reconciliation, Tax Exempt Income, Amount (Increase) decrease in accrued interest receivable Increase (Decrease) in Accrued Interest Receivable, Net Decrease in accrued interest payable Net (decrease) increase in deposits Increase (Decrease) in Stockholders' Equity [Roll Forward] Add: Dilutive effects of restricted stock (in shares) Incremental Common Shares Attributable to Dilutive Effect of Share-based Payment Arrangements Intangible Assets Other intangibles INTEREST EXPENSE: Interest and fees on loans INTEREST AND DIVIDEND INCOME: TOTAL INTEREST AND DIVIDEND INCOME Interest income TOTAL INTEREST EXPENSE Interest expense Investment securities: Accrued interest payable Available-for-sale securities Interest and Dividend Income, Securities, Operating, Available-for-sale Borrowed funds Interest Expense, Borrowings Deposits Interest Expense, Deposits Interest-bearing deposits with banks NET INTEREST INCOME Net interest income Interest Income (Expense), Net NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES Interest Income (Expense), after Provision for Loan Loss Taxable Interest paid Nontaxable Interest-bearing Accrued interest receivable Certificates of deposit Interest-bearing Interest-bearing Deposits in Banks and Other Financial Institutions Internal Credit Assessment [Domain] Internal Credit Assessment [Axis] Investment Securities Brokerage and insurance Investment Banking, Advisory, Brokerage, and Underwriting Fees and Commissions Regulatory stock Investment in Federal Home Loan Bank Stock, Fair Value Disclosure Investment Tax Credit Carryforward [Member] INVESTMENT SECURITIES Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block] FEDERAL HOME LOAN BANK (FHLB) STOCK [Abstract] Investment in subsidiary [Abstract] Investment Securities [Abstract] INVESTMENT SECURITIES [Abstract] Summary of amortized cost and fair value of debt securities by contractual maturity Long-term Debt, Type [Axis] Long-term Debt, Type [Domain] Salaries and employee benefits Salaries and employee benefits Land [Member] Total rental expense OPERATING LEASES [Abstract] TOTAL LIABILITIES Liabilities Liabilities [Abstract] LIABILITIES: TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY Liabilities and Equity Liability for uncertain tax positions Liability for Uncertainty in Income Taxes, Current Financing Receivable, Troubled Debt Restructuring [Domain] Financing Receivable, Troubled Debt Restructuring [Axis] Repayments Loans and Leases Receivable, Related Parties, Proceeds Loans, allowance for loan losses Less: Allowance for loan losses Allowance for Loan Losses Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block] New loans Troubled Debt Restructurings Loans (net of allowance for loan losses: 2016, $8,886; 2015, $7,106) Net loans Loans to Related Parties [Roll Forward] Loans and Leases Receivable, Related Parties [Roll Forward] Loan Charge-off Policies Total financing receivables Loans and Leases Receivable, Gross Balance, end of year Balance, beginning of year Loans and Leases Receivable, Related Parties Loans held for sale Loans Held-for-sale, Fair Value Disclosure Foreclosed Assets Held For Sale Net loans Loans Receivable, Fair Value Disclosure Loans held for sale LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES Loans, Notes, Trade and Other Receivables Disclosure [Text Block] 2019 Long-term Debt, Maturities, Repayments of Principal in Year Three Thereafter Long-term Debt, Maturities, Repayments of Principal after Year Five 2018 Long-term Debt, Maturities, Repayments of Principal in Year Two 2020 Long-term Debt, Maturities, Repayments of Principal in Year Four 2021 Long-term Debt, Maturities, Repayments of Principal in Year Five 2017 Long-term Debt, Maturities, Repayments of Principal in Next Twelve Months Number of claims pending Major Types of Debt and Equity Securities [Axis] Major Types of Debt and Equity Securities [Domain] Maturities of borrowed funds [Abstract] Greater than 90 Days [Member] Up to 30 Days [Member] 30 - 90 Days [Member] Maximum [Member] Term Loans [Member] Minimum [Member] Mortgage Loans on Real Estate, Loan Category [Domain] Formal foreclosure proceedings on potential foreclosure assets Mortgage Loans in Process of Foreclosure, Amount Mortgage Loans on Real Estate, Description, Loan Category [Axis] Portfolio balance under MPF Mortgage-backed Securities in Government Sponsored Entities [Member] Municipal Bonds [Member] Nonperforming [Member] Nonperforming Financial Instruments [Member] Cash Flows from Financing Activities: Cash flows from financing activities [Abstract] Net cash (used in) provided by investing activities Net Cash Provided by (Used in) Investing Activities, Continuing Operations Cash Flows from Operating Activities: Cash flows from operating activities [Abstract] Net cash provided by (used in) financing activities Net Cash Provided by (Used in) Financing Activities, Continuing Operations Net cash provided by operating activities Net Cash Provided by (Used in) Operating Activities, Continuing Operations Cash Flows from Investing Activities: Cash flows from investing activities [Abstract] Net income NET INCOME Net income Net income applicable to common stock Recent Accounting Pronouncements Noncash or Part Cash Acquisitions [Line Items] Non-cash assets acquired Noncash or Part Noncash Acquisition, Value of Assets Acquired [Abstract] Liabilities assumed Noncash or Part Noncash Acquisition, Value of Liabilities Assumed [Abstract] Noncash or Part Cash Acquisitions [Table] Noncash or Part Noncash Acquisitions [Table] Non-cash activities: Noncompete Agreements [Member] Covenant not to Compete [Member] Covenant not to Compete [Member] Noninterest-bearing NON-INTEREST INCOME: Non-interest-bearing deposits NON-INTEREST EXPENSES: TOTAL NON-INTEREST EXPENSES Non-interest expenses TOTAL NON-INTEREST INCOME Non-interest income Non-interest income Noninterest Income Other Noninterest Income, Other Operating Income Total Financing Receivable, Net Notes Payable [Member] Number of operating segments Other comprehensive income before reclassifications (net of tax) OCI, before Reclassifications, Net of Tax, Attributable to Parent Occupancy Total Operating Leases, Future Minimum Payments Due 2018 Operating Leases, Future Minimum Payments, Due in Two Years Future minimum rental payments under operating leases [Abstract] OPERATING LEASES Operating Leases of Lessee Disclosure [Table Text Block] 2017 Operating Leases, Future Minimum Payments Due, Next Twelve Months Thereafter Operating Leases, Future Minimum Payments, Due Thereafter 2019 Operating Leases, Future Minimum Payments, Due in Three Years 2020 Operating Leases, Future Minimum Payments, Due in Four Years 2021 Operating Leases, Future Minimum Payments, Due in Five Years Income tax benefit Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, before Reclassification Adjustments, Tax Change in unrecognized pension costs Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Adjustment, before Tax Reclassification adjustment for gains included in income Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax Income tax benefit Pension costs Total Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Adjustment, Net of Tax Securities available for sale Other, net Reclassification Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, before Reclassification Adjustments, Net of Tax Net loss Prior service cost Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Net Prior Service Cost (Credit) Arising During Period, Net of Tax Other assets Income tax benefit Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Tax Securities available for sale Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Net of Tax Unrealized holding gain (loss) during the period Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, before Tax Investment amount in partnerships Other liabilities Other Expenses Foreclosed assets held for sale [Abstract] Other Real Estate, Foreclosed Assets, and Repossessed Assets [Abstract] Unsettled security sales Foreclosed assets held for sale Other Real Estate, Foreclosed Assets, and Repossessed Assets Other comprehensive income (loss) Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent [Abstract] Net other comprehensive income (loss) Net other comprehensive income (loss) Performing [Member] Performing Financial Instruments [Member] Age analysis of past due financing receivables Pass [Member] Company [Member] Purchase of Regulatory Stock Payments to Acquire Federal Home Loan Bank Stock Originations of loans held for sale Payments for Origination of Mortgage Loans Held-for-sale Net increase in loans Payments for (Proceeds from) Loans and Leases Purchase of securities Purchases of available-for-sale securities Payments to Acquire Available-for-sale Securities Purchase price assigned to The First National Bank of Fredericksburg common shares exchanged for cash Payments to Acquire Businesses, Gross Acquisition, net of cash paid Payments to Acquire Businesses, Net of Cash Acquired Purchase of treasury stock Payments for Repurchase of Common Stock Dividends paid Cash dividends paid Payments of Ordinary Dividends, Common Stock Purchase of bank owned life insurance Payments to Acquire Life Insurance Policies Purchase of premises, equipment and software Payments to Acquire Productive Assets Employee Benefit Plans Pension Plan [Member] Plan Asset Categories [Domain] Portion at Fair Value Measurement [Member] Preferred Stock , issued (in shares) Preferred Stock , authorized (in shares) Preferred Stock , par value (in dollars per share) Preferred Stock $1.00 par value; authorized 3,000,000 shares 2016 and 2015; none issued in 2016 or 2015 Reclassification Net increase (decrease) in short-term borrowed funds Proceeds from redemption of Regulatory Stock Proceeds from Sale of Federal Home Loan Bank Stock Proceeds from matured interest bearing time deposits with other banks Proceeds from maturity and principal repayments of securities Proceeds from long-term borrowings Proceeds from sales of loans held for sale Proceeds from sales of available-for-sale securities Proceeds from the sale of available-for-sale securities Proceeds from sale of securities available-for-sale Proceeds from sale of foreclosed assets held for sale Reissuance of treasury stock to employee stock purchase plan Proceeds from Sale of Treasury Stock Professional fees Useful life Property, Plant and Equipment, Type [Domain] Premises and Equipment Property, Plant and Equipment, Policy [Policy Text Block] PREMISES & EQUIPMENT [Abstract] Summary of premises and equipment Premises and equipment, net Premises and equipment, net Property, Plant and Equipment [Line Items] Premises and equipment, gross Property, Plant and Equipment, Type [Axis] PREMISES & EQUIPMENT Property, Plant and Equipment Disclosure [Text Block] Provision for loan losses Provision CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) Quarterly Financial Information [Text Block] CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) [Abstract] Range [Axis] Range [Domain] Gross gains and losses on available-for-sale securities LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES [Abstract] Amounts reclassified from accumulated other comprehensive income (loss) (net of tax) Reclassification from AOCI, Current Period, Net of Tax, Attributable to Parent Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items] Reclassification out of Accumulated Other Comprehensive Income [Table] Reclassification out of Accumulated Other Comprehensive Income [Member] Reclassification out of Accumulated Other Comprehensive Income [Domain] Reclassification out of Accumulated Other Comprehensive Income [Axis] Schedule of the significant amounts reclassified out of each component of accumulated other comprehensive income Reclassification out of Accumulated Other Comprehensive Income [Table Text Block] REGULATORY MATTERS [Abstract] REGULATORY MATTERS Regulatory Capital Requirements under Banking Regulations [Text Block] RELATED PARTY TRANSACTIONS Related Party Transactions Disclosure [Text Block] Related Party [Domain] Related Party Transaction [Line Items] Related Party [Axis] RELATED PARTY TRANSACTIONS [Abstract] Repayments of long-term borrowings Repayments of Long-term Debt Counterparty Name [Domain] Mortgages [Member] Residential Mortgage [Member] Residential Real Estate Loans [Member] Residential Portfolio Segment [Member] Cash reserves at the Federal Reserve Bank Restricted Stock [Member] Forfeited restricted stock Restricted Stock Award, Forfeitures Retained Earnings [Member] Retained earnings Service charges Actual Ratio [Abstract] Substandard [Member] Schedule of future amortization expense for amortized intangible assets Average balance Highest balance at any month-end Schedule of Acquired Finite-Lived Intangible Asset by Major Class [Table] Schedule of Financing Receivable, Allowance for Credit Losses [Table] Provision for income taxes (benefit) Weighted-average assumptions used to determine benefit obligations and net periodic benefit cost (income) Components of accumulated other comprehensive loss, net of tax Deferred tax assets Schedule of Finite-Lived Intangible Assets [Table] Schedule of Financing Receivable, Recorded Investment, Credit Quality Indicator [Table] Expected future benefit payments Borrowed funds Schedule of Debt [Table Text Block] Summary of financing receivables on nonaccrual status Schedule of Financing Receivables, Non Accrual Status [Table Text Block] Schedule of Financing Receivable, Troubled Debt Restructurings [Table] Summary of loan activity with officers, directors, stockholders and associates Schedule of Related Party Transactions [Table Text Block] Schedule of gross carrying value and accumulated amortization of intangible assets Schedule of Financing Receivables Past Due [Table] Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table] Computation of earnings per share Schedule of Earnings Per Share, Basic and Diluted [Table Text Block] Summary of assets measured at fair value on a recurring basis Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block] Fair value of plan assets Schedule of Allocation of Plan Assets [Table Text Block] Components of net periodic benefit costs Schedule of Net Benefit Costs [Table Text Block] Obligation and net funded status Schedule of asset acquired and liability assumed Schedule of Recognized Identified Assets Acquired and Liabilities Assumed [Table Text Block] Summary of amortized cost and fair value of investment securities Consolidated condensed quarterly data Quarterly Financial Information [Table Text Block] Schedule of Impaired Financing Receivable [Table] Condensed financial information Condensed Financial Statements [Table Text Block] Future minimum rental payments under operating leases Schedule of vesting, awarding and forfeiting of restricted shares Unrealized losses and fair value of investments Maturities of borrowed funds Reconciliation of statutory tax rates to effective tax rates Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table] Schedule of Available-for-sale Securities [Table] Schedule of Condensed Financial Statements [Table] Schedule of Available-for-sale Securities [Line Items] Capital ratios under banking regulations Schedule of Deferred Compensation Arrangement with Individual, Postretirement Benefits [Table] Schedule of Business Acquisitions, by Acquisition [Table] Schedule of Defined Benefit Plans Disclosures [Table] Schedule of Fair Value, Off-balance Sheet Risks [Table] Federal Home Loan Bank loans by branch Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank [Table Text Block] Financial instruments whose contract amounts represent credit risk Property, Plant and Equipment [Table] Schedule of Related Party Transactions, by Related Party [Table] Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table] Remaining contractual maturity of the repurchase agreements Schedule of Repurchase Agreements [Table Text Block] Second Mortgage [Member] Total carrying value of collateral pledged Securities Sold under Agreements to Repurchase, Gross Securities Sold Under Agreements to Repurchase [Member] Total liability recognized for repurchase agreements Securities Sold under Agreements to Repurchase Operating Segments Operating Segments [Abstract] Geographical [Domain] Mortgage Servicing Rights [Member] Servicing Contracts [Member] Additional General Disclosures [Abstract] Stock awards Share-based compensation expense Forfeited (in dollars per share) Weighted Average Market Price [Roll Forward] Granted (in dollars per share) Shares [Roll Forward] Share-based Compensation Arrangement by Share-based Payment Award [Line Items] Granted (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period Forfeited (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeited in Period Outstanding, end of year (in dollars per share) Outstanding, beginning of year (in dollars per share) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value Outstanding, end of year (in shares) Outstanding, beginning of year (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number Number of shares authorized (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized Vested (in dollars per share) Vested (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period Number of shares available for grant (in shares) Equity Award [Domain] Equity Award [Domain] Weighted average interest rate paid during the year SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Significant Accounting Policies [Text Block] Special Mention [Member] Standby Letter of Credit [Member] Statement [Line Items] Equity Components [Axis] Consolidated Statement of Changes in Stockholders' Equity [Abstract] Consolidated Statement of Cash Flows [Abstract] STATEMENT OF CASH FLOWS [Abstract] Consolidated Statement of Changes in Comprehensive Income [Abstract] Statement [Table] CONDENSED BALANCE SHEET [Abstract] Consolidated Balance Sheet [Abstract] Geographical [Axis] Dividends that can be declared without the approval of the Comptroller of the Currency Statutory Accounting Practices, Statutory Amount Available for Dividend Payments without Regulatory Approval Restricted stock vesting Stock Issued During Period, Value, Restricted Stock Award, Net of Forfeitures Stock issued for acquisition (in shares) Stock Issued During Period, Shares, Acquisitions Restricted stock, executive and Board of Director awards Stock Issued During Period, Value, Restricted Stock Award, Gross Reissuance of treasury stock for employee stock purchase plan Stock Issued During Period, Value, Employee Stock Purchase Plan Cash dividend reinvestment paid from treasury stock Stock Issued During Period, Value, Dividend Reinvestment Plan Stock issued for acquisition STOCKHOLDERS' EQUITY: Balance Balance Stockholders' equity TOTAL STOCKHOLDERS' EQUITY Bank [Member] Supplemental Executive Retirement Plans [Member] Supplemental Employee Retirement Plan [Member] Supplemental Disclosures of Cash Flow Information: Tax Credit Carryforward, Name [Domain] Tax Credit Carryforward [Axis] Tax Credit Carryforward [Table] Investment tax credits Tax Credit Carryforward [Line Items] Tier 1 capital (to risk-weighted assets) Tier One Risk Based Capital to Risk Weighted Assets Tier 1 capital (to average assets) Tier One Leverage Capital Required for Capital Adequacy Tier 1 capital (to risk-weighted assets) Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets Tier 1 capital (to risk-weighted assets) Tier One Risk Based Capital Required to be Well Capitalized Tier 1 capital (to average assets) Tier One Leverage Capital Required to be Well Capitalized to Average Assets Tier 1 capital (to average assets) Tier One Leverage Capital to Average Assets Tier 1 capital (to risk-weighted assets) Tier One Risk Based Capital Required for Capital Adequacy Tier 1 capital (to risk-weighted assets) Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets Tier 1 capital (to average assets) Tier 1 capital (to average assets) Tier One Leverage Capital Required for Capital Adequacy to Average Assets Tier 1 capital (to average assets) Tier One Leverage Capital Required to be Well Capitalized Tier 1 capital (to risk-weighted assets) 2021 Total certificates of deposit Time Deposits 2020 Time Deposit Maturities, Year Four Maturities of certificates of deposit [Abstract] Time Deposits, Fiscal Year Maturity [Abstract] 2018 Time Deposit Maturities, Year Two 2017 Time Deposit Maturities, Next Twelve Months 2019 Time Deposit Maturities, Year Three Thereafter Relationship to Entity [Domain] Title of Individual [Axis] Loans Held for Sale Trade and Loan Receivables, Nonmortgage Loans Held-for-sale, Policy [Policy Text Block] Trading securities Trading Securities Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Table] Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items] Types of Financial Instruments [Domain] Treasury Stock [Member] Treasury stock, shares (in shares) Purchase of treasury stock Treasury Stock, Value, Acquired, Cost Method Purchase of treasury stock (in shares) Treasury stock, at cost: 384,671 and 335,876 shares for 2016 and 2015, respectively Treasury Stock, Value Summary of troubled debt restructurings on financing receivables Troubled Debt Restructurings on Financing Receivables [Table Text Block] Loss [Member] Unallocated [Member] Unamortized debt issuance costs Net unamortized loan fees and costs Unrecognized tax benefits Use of Estimates U.S. Agency Securities [Member] U.S. Agency Securities [Member] Obligations of State and Political Subdivisions [Member] US States and Political Subdivisions Debt Securities [Member] U.S. Treasuries [Member] US Treasury Securities [Member] Valuation Technique [Axis] Valuation Technique [Domain] Number of shares used in computation - diluted (in shares) Weighted average common shares outstanding for dilutive earnings per share (in shares) Weighted Average Number of Shares Outstanding, Diluted Weighted Average [Member] Number of shares used in computation - basic (in shares) Weighted average common shares outstanding for basic earnings per share (in shares) Weighted average common shares outstanding (in shares) The total tax effect of net gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost. Accumulated Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Tax Tax effect Accumulated appreciation or loss, tax, in value of the total of available-for-sale securities at the end of an accounting period. Accumulated Other Comprehensive Income (Loss), Available for sale Securities Adjustment, Tax Tax effect Accumulated appreciation or loss, pre tax, in value of the total of available-for-sale securities at the end of an accounting period. Accumulated Other Comprehensive Income (Loss), Available for sale Securities Adjustment, Pre Tax Net unrealized gain on securities available for sale The pre-tax total of net gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost. Accumulated Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Pre Tax Unrecognized pension costs 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, related to Individually evaluated for impairment, related to Collectively evaluated for impairment. Loans and Leases Receivable, Allowance Related to Collectively evaluated for impairment Allowance for loan losses related to collectively evaluated for impairment Refers to 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. Related to Individually evaluated for impairment. Loans And Leases Receivable Net Reported Amount Related To Individually evaluated for impairment Net loans, individually evaluated for impairment 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, related to Individually evaluated for impairment. Loans and Leases Receivable, Allowance Related to Individually Evaluated For Impairment Allowance for loan losses related to individually evaluated for impairment The balance of financing receivables that were acquired with deteriorated credit quality. Financing Receivable, Loans Acquired With Deteriorated Credit Quality Loans acquired with deteriorated credit quality 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, related to loans acquired with deteriorated credit quality. Loans and Leases Receivable, Allowance Related to Loans Acquired With Deteriorated Credit Quality Allowance for loan losses related to loans acquired with deteriorated credit quality 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. Related to Loans acquired with deteriorated credit quality. Loans And Leases Receivable Net Reported Amount Related To Loans Acquired With Deteriorated Credit Quality Net loans, loans acquired with deteriorated credit quality 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. Related to Collectively evaluated for impairment. Loans And Leases Receivable Net Reported Amount Related To Collectively evaluated for impairment Net loans, collectively evaluated for impairment Segments of loan portfolio and allowance for loan losses [Abstract] Real estate loans sold to Freddie Mac and Fannie Mae without recourse which are not included in the consolidated balance sheet. Real Estate Loans Sold To Freddie Mac And Fannie Mae without recourse Real estate loans sold to Freddie Mac and Fannie Mae without recourse Refers to period of mortgage on residential real estate. Period of mortgage on real estate Period of mortgage on real estate Amount of credit enhancement for Mortgage Partnership Finance Program Portfolio losses by Federal Home Loan Bank. Federal Home Loan Bank credit enhancement For Mortgage Partnership Finance Program Portfolio losses Credit enhancement for MPF by FHLB Real estate loans serviced for Freddie Mac and Fannie Mae, which are not included in the consolidated balance sheet. Real estate loans serviced for Freddie Mac and Fannie Mae Real estate loans serviced for Freddie Mac and Fannie Mae Amount of first loss position maintained by Federal Home Loan Bank under Mortgage Partnership Finance Program. Federal Home Loan Bank, First-loss Position for Mortgage Partnership Finance Program Portfolio First-loss position for MPF maintained by FHLB Impaired Financing Receivable [Abstract] Impaired Financing Receivable [Abstract] Appraised collateral values valuation technique used to measure fair value. Appraised Collateral Values [Member] Percentage of selling costs, used as an input to measure fair value. Fair Value Inputs Selling costs Selling costs Refers to impaired loans, which may include mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts, or any other loans which are due the as of the balance sheet date. Impaired Loans [Member] Refers to 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. Other real estate owned [Member] Other Real Estate Owned [Member] Holding period, used as an input to measure fair value. Fair Value Inputs Holding period Holding period 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. Obligations of state and political subdivisions fair value disclosure Obligations of state and political subdivisions 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. U.S. agency securities Fair Value Disclosure U.S. agency securities 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. Mortgage-backed securities in government sponsored entities fair value disclosure Mortgage-backed securities in government sponsored entities 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. Corporate obligations Fair Value Disclosure Corporate obligations 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. U.S. treasuries securities Fair Value Disclosure U.S. treasuries securities 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. Equity securities in financial institutions fair value disclosure Equity securities in financial institutions Fair Value Assets And Liabilities Measured On NonRecurring Basis [Abstract] Fair value assets and liabilities measured on non-recurring basis [Abstract] Refers to consideration period for recognition of accrued interest receivable and payable. Consideration period for recognition of accrued interest receivable and payable Consideration period for recognition of accrued interest receivable and payable Refers to consideration period for recognition of cash and due from banks. Consideration period for recognition of cash and due from banks Consideration period for recognition of cash and due from banks Fair amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable. Interest Receivable Fair Value Disclosure Accrued interest receivable 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. Defined Benefit Plan Net amortization and deferral Net amortization and deferral Amount of discretionary contributions to 401 (k) plan made by an employer for employees hired after January 1, 2007. Defined Contribution Plan Employer Discretionary Contribution To 401 K Employer discretionary contribution to 401 (k) plan Refers to the number of plans during the period. Number Of Plans Number of plans Tabular disclosure of deposit liabilities. Summary of Deposits [Table Text Block] Summary of deposits Tabular disclosure of the maturities of time deposits (including certificates of deposits, individual retirement accounts and open accounts) held by the entity. Maturities of Time Deposits [Table Text Block] Maturities of certificates of deposit The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $250,000 or more. Time Deposits, 250,000 or More Certificates of deposit of $250,000 or more Subsequent Default [Abstract] Recidivism receivables [Abstract] Real estate portfolio segment of the entity related to interest modification. Interest Modification [Member] Real estate portfolio segment of the entity related to term modification. Term Modification [Member] Financing Receivable Modifications [Abstract] Financing receivable modifications [Abstract] Represents information about consumer residential mortgages. Consumer Residential Mortgages [Member] Amount of allowance for credit losses related to recorded investment in financing receivable categorized as troubled debt restructuring. Troubled debt Financing Receivable Related Allowance Reserves of allowance for loan losses Document and Entity Information [Abstract] Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from merger and acquisition costs. Deferred Tax Assets Merger and Acquisition costs Merger & acquisition costs Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences related to interest income on non-accrual loans. Deferred Tax Assets, Interest on Non accrual Loans Interest on non-accrual loans Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from pension benefits and other retirement obligation. Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits, Pensions and Other Retirement Obligation Pensions and other retirement obligation Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from other real estate owned expenses. Deferred Tax Assets, Other real estate owned expenses Other real estate owned Amount of deferred tax asset attributable to taxable temporary differences related to low income housing credits. Deferred Tax Assets Low Income Housing Tax Credits Low income housing tax credits The portion of the difference between total income tax expense or benefit as reported in the Income Statement for the period and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations attributable to nondeductible expenses under enacted tax laws, or differences in the methodologies used to determine expense amounts for financial statements prepared in accordance with generally accepted accounting principles, related to merger and acquisition expense. Income Tax Reconciliation, Nondeductible Merger And Acquisition Expenses Nondeductible merger and acquisition expenses Amount before allocation of valuation allowances of deferred tax liabilities attributable to deductible temporary differences from unrealized losses on available-for-sale securities. Deferred Tax Liabilities Unrealized Losses On Available for Sale Securities Unrealized gains on available-for-sale securities Amount of amortization of investments in qualified affordable housing projects. Long Term Investments Amortized Cost Amortization of investments in qualified affordable housing projects Represents minimum percentages of tax position liable to be realized upon ultimate settlement. Minimum percentages of tax position liable to be realized upon ultimate settlement Minimum percentages of tax position liable to be realized upon ultimate settlement The amount of recognized income tax credits during the period. Recognized Income Tax Credits Tax credits recognized as reduction of tax expense amount The term over which tax credits will be recognized. Tax Credits Recognition term Tax credits recognition period The portion of the difference between total income tax expense or benefit as reported in the Income Statement for the period and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations attributable to nondeductible expenses under enacted tax laws, or differences in the methodologies used to determine expense amounts for financial statements prepared in accordance with generally accepted accounting principles, related to interest expense. Income Tax Reconciliation, Nondeductible Expense, Interest Nondeductible interest The portion of the difference between total income tax expense or benefit as reported in the Income Statement for the period and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations attributable to the increase in cash surrender value of life insurance. Income Tax Reconciliation Increase In Cash Surrender Value of Life Insurance Bank owned life insurance The portion of the difference between total income tax expense or benefit as reported in the Income Statement and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations attributable to low income housing credits. Income Tax Reconciliation, Tax Credits, Low Income Housing Low income housing tax credits Represents the number of investments in partnerships as of the Balance Sheet date. Number of Investments in Partnerships Number of investments in Partnerships Indefinite Lived Intangible Assets Net [Abstract] Non-amortized intangible assets [Abstract] Gross Carrying Value Of Intangible Assets And Accumulated Amortization [Abstract] Refers to fair value of specific credit amortizing. Business Combination Fair Value Specific Credit Amortizing Specific credit - amortizing Amount refers to time deposits. Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed time deposits Time deposits Refers to fair value of deferred tax assets. Business Combination Fair Value Deferred Tax Assets Deferred tax assets Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Intangible Assets, including Goodwill Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Intangible Assets Including Goodwill Goodwill and other intangibles Refers to fair value of core deposit intangible. Business Combination Fair Value Core Deposit Intangible Core deposit intangible Amount of shareholders equity consideration. Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Shareholders Equity The First National Bank of Fredericksburg shareholders' equity Refers to fair value of interest rate. Business Combination Fair Value Interest Rate Interest rate Refers to fair value of general credit. Business Combination Fair Value General Credit General credit Refers to fair value of specific credit non amortizing. Business Combination Fair Value Specific Credit Non Amortizing Specific credit - non-amortizing Business Combination Fair Value Loans [Abstract] Loans [Abstract] Amount refers to deposits other than time deposits. Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed deposits other than time deposits Deposits other than time deposits Refers to fair value of other assets. Business Combination Fair Value Other Assets Other assets Refers to fair value of covenant not to compete. Business Combination Fair Value Covenant Not to Compete Covenant not to compete Refers to fair value of premises and equipment. Business Combination Fair Value Premises and Equipment Premises and equipment Refers to fair value of leased premises contracts. Business Combination Fair Value Leased Premises Contracts Leased premises contracts Business Combination Adjustments to Reflect Assets Acquired at Fair Value [Abstract] Adjustments to reflect assets acquired at fair value [Abstract] Amount recognized for assets and liabilities assumed per share. Business Combination Consideration Per Share Merger agreement per share in cash and stock (in dollars per share) Refers to fair value of time deposits. Business Combination Fair Value Time Deposits Time deposits Business Combination Adjustments To Reflect Liabilities Acquired At Fair Value [Abstract] Adjustments to reflect liabilities acquired at fair value: [Abstract] Business Combination Consideration in Common Stock [Abstract] Purchase Price Consideration in Common Stock [Abstract] Refers to number of branches. Number of Branches Summarizes Purchase of First National Bank of Fredericksburg [Abstract] Summarizes the purchase of FNB [Abstract] Refers to state name in US. Berks County [Member] Refers to mortgage servicing rights. Mortgage Servicing Rights [Member] MSR [Member] Refers to state name in US Lebanon County [Member] Refers to state name in US Schuylkill County [Member] Business Acquisitions Pro Forma Net Interest Income as if the business combination or combinations had been completed at the beginning of a period. Business Acquisitions Pro Forma Net Interest Income Proforma net interest income Business Acquisition Pro Forma Earnings Per Share [Abstract] Pro forma earnings per share [Abstract] Represents the pro forma non-interest income for a period as if the business combination or combinations had been completed at the beginning of the period. Business Acquisitions Pro Forma Non Interest Income Proforma non-interest income Tabular disclosure of the amounts recognized as of the acquisition date for each major class of purchase price consideration and fair value. Summarized Purchase of First National Bank of Fredericksburg [Text Block] Summarizes the purchase of FNB The typical coverage period for credit extension commitments. Coverage Period For Instruments Coverage period for instruments A company's investment in its wholly-owned subsidiaries as of the balance sheet date . Investments In Subsidiaries First Citizens Community Bank Amount of undistributed net income or loss for the period from subsidiaries of the parent company. Equity in undistributed Earnings of Subsidiaries Equity in undistributed earnings - First Citizens Community Bank Equity in undistributed earnings of subsidiaries Includes all dividend income from bank subsidiaries. It may include dividend income from equity securities that do not have readily determinable fair values that are reportable in Other Assets. Dividend Income From Bank Subsidiary Bank subsidiary This element represents the income or loss from continuing operations attributable to the economic entity which may also be defined as revenue less expenses and taxes from ongoing operations before extraordinary items, before equity in undistributed earnings of subsidiaries. Income (Loss) Before Equity in Undistributed Earnings of Subsidiaries Income before equity in undistributed earnings of subsidiary One of the ranking officers of the entity, appointed to the position by the board of directors, a director, a stockholder or the any associates of such persons. Officers, Directors, Stockholders and Associates [Member] Officers, Directors, Stockholders and Associates [Member] The net increase (decrease) in number of shares (or other type of equity) under an equity-based award plan, other than a stock option plan, resulting from stock dividends issued during the reporting period. Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Period Increase (Decrease) due to Stock Dividends Increase due to stock dividends (in shares) Weighted average fair value as of the grant date of equity-based award plans other than stock (unit) option plans that were granted, as a result off stock dividends during the reporting period. Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Period Increase (Decrease) Weighted Average Grant Date Fair Value Increase due to stock dividends (in dollars per share) Recorded investment in financing receivables total that are still accruing. Financing Receivable Recorded Investment Total And Still Accruing Total Financing Receivables And Still Accruing Recorded investment in financing receivables that are past due and non accrual. Financing Receivable Recorded Investment Total past Due And Non Accrual Total Past Due And Non-accrual Refers to period of past due after which loans are considered as non accrual. Period past due after which loans considered as non accrual Period of past due after which loans considered as non accrual Recorded investment in financing receivables that are current and still accruing. Financing Receivable Recorded Investment Current And Still Accruing Current And Still Accruing Refers to the purchased credit impaired loans that are still accruing. Purchased Credit Impaired Loans And Still Accruing PCI Loans still accruing Recorded investment in financing receivables that are past due and still accruing. Financing Receivable Recorded Investment Total Past Due And Still Accruing Total Past Due And Still Accruing Financing receivables on accrual status [Abstract] Recorded investment in financing receivables that are current and non accrual. Financing Receivable Recorded Investment Current And Non Accrual Current And Non-accrual Refers to purchase credit impaired loans that are non accrual. Purchased Credit Impaired Loans, Non accrual PCI Loans considered non accrual Amount of interest income that would have been recognized if the financing receivables had performed un accordance with their terms. Impaired Financing Receivable, Foregone Interest Income Foregone interest income Financing receivables on nonaccrual status [Abstract] Elements refers to Purchased credit impaired (PCI) loans. Purchased Credit Impaired Loans PCI 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. Amount which is 30 days past due to be reviewed for all aggregate loan relationships Amount which is 30 days past due to be reviewed for all aggregate loan relationships Portfolio segment of the entity's total financing receivables related to real estate loans. Real estate loans [Member] Real Estate Loans [Member] Financing Receivable by credit exposure [Abstract] 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. Amount over which all new loans to be reviewed Amount over which all new loans to be reviewed Refers to percentage of dollar volume of commercial loan portfolio to be reviewed on annual basis . Percentage of commercial loan portfolio to be reviewed Percentage of dollar volume of commercial loan portfolio to be reviewed 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. Amount over which all relationship to be reviewed Amount over which all relationships to be reviewed Credit quality indicators that are developed and used internally by the company. Internally Assigned Grade 1 [Member] Internally Assigned Grade [Member] Portfolio segment of the company's total financing receivables related to construction real estate loans. Construction Real Estate Loans [Member] Construction [Member] Class of financing receivables related to agricultural real estate loans. Agricultural [Member] Agricultural [Member] Represents purchased credit impaired loan. Purchased Credit Impaired Loan [Member] PCI [Member] Portfolio segment of the entity's total financing receivables related to state and political subdivision loans. State and political subdivision loans [Member] State and Political Subdivision Loans [Member] Class of financing receivables related to agricultural loans excluding real estate. Other agricultural loans [Member] Other Agricultural Loans [Member] Tabular disclosure of loans acquired with specific evidence of deterioration in credit quality. Loans Acquired With Specific Evidence Of Deterioration In Credit Quality [Table Text Block] Loans acquired with specific evidence of deterioration in credit quality Tabular disclosure of accretable yield for purchased credit impaired loans. Accretable Yield For Purchased Credit Impaired Loans [Table Text Block] Accretable yield for purchased credit impaired loans Tabular disclosure of loan portfolio evaluated with individually and collectively impairment and the allowance for loan losses. Schedule of loan portfolio and allowance for loan losses [Table Text Block] Summary of loan portfolio and allowance for loan losses Available For Sale Securities Continuous Unrealized Loss Position Fair Value and unrealized losses [Abstract] Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract] The number of available-for-sale securities sold for a gross loss during the period. Available for sale Investment Securities Sold at a Gross Loss During the Period Available-for-sale securities sold at a gross loss The period of time securities fair value less than cost for classification as impaired. Duration securities impaired The number of available-for-sale securities sold for a gross gain during the period. Available for sale Investment Securities Sold at a Gross Gain During the Period Available-for-sale securities sold at a gross gain Agreed-upon price for the exchange of the underlying asset relating to the share-based payment award. Share-based Payment Award, Fair Value Assumptions, Exercise Price Antidilutive stock share price range (in dollars per share) The number of years of historical experience used to determine when to charge off a loan to the reserve. Number of Historical Years of Experience For Charging Off Loans Number of years significantly below cost to recognize an impairment The number of classifications of investment securities, such as Trading, Available-for-sale or Held to Maturity. Number of Classifications of Investment Securities Number of classifications of investment securities The minimum number of days maturity for interest-earning deposits to be considered cash equivalents. Interest earning deposits maturity, Maximum for inclusion as cash equivalents The number of full service banking offices operated. Number of Full Service Banking Offices Number of full service banking offices Business and Organization [Abstract] The maximum number of days past due before a loan is classified as impaired. Number of Days Past Due For Loan to be Considered Impaired, Maximum Number of days past for loan to be considered impaired, Maximum Number of days past for loan to be considered impaired, Minimum Allowance for Loan Losses [Abstract] Refers to the percentage of benefit in excess of the cash surrender value. Benefit in excess of the cash surrender value Benefit in excess of the cash surrender value Goodwill Impairment [Abstract] Goodwill [Abstract] Bank Owned Life Insurance [Abstract] Disclosure of accounting policy for trust assets and income. Trust Assets and Income [Policy Text Block] Trust Assets and Income Disclosure of accounting policy for bank owned life insurance. Bank Owned Life Insurance Policy [Policy Text Block] Bank Owned Life Insurance Disclosure of accounting policy for cash flows. Cash Flows [Policy Text Block] Cash Flows Disclosure of accounting policies for treasury stock. Treasury Stock [Policy Text Block] Treasury Stock This elements represents face amount of Federal Home Loan Bank Stock per share, generally not indicative of the fair market value per share. Federal Home Loan Bank Stock Par value FHLB Stock, at par value (in dollars per share) The number of capital categories during the period. Number of Capital Categories Number of capital categories Common equity Tier 1 Risk Based equity required for capital adequacy as defined in the regulations. Tier One Risk Based Common Equity Required for Capital Adequacy Common equity Tier 1 capital (to risk weighted assets) For Capital Adequacy Purposes [Abstract] For Capital Adequacy Purposes Amount [Abstract] Lending limit due to regulatory regulations. Regulatory Lending Limit Regulatory lending limit Common equity Tier 1 Risk Based equity required to be categorized as well capitalized as defined in the regulations. Tier One Risk Based Common Equity Required to be Well Capitalized Common equity Tier 1 capital (to risk weighted assets) To Be Well Capitalized Under Prompt Corrective Action Provisions Amount [Abstract] Refers to Tier 1 common equity divided by risk weighted assets required for capital adequacy purposes as defined by regulations. Tier One Risk Based Common Equity Required for Capital Adequacy to Risk Weighted Assets Common equity Tier 1 capital (to risk weighted assets) For Capital Adequacy Purposes Ratio [Abstract] Refers to Tier 1 common equity divided by risk weighted assets as defined by regulations. Tier One Risk Based Common Equity to Risk Weighted Assets Common equity Tier 1 capital (to risk weighted assets) The number of preceding years retained net income used for determining the restrictions on dividend declarations. Number of Preceding Years Retained Net Income Used for Restrictions on Dividend Declaration Number of preceding years retained net income used for restrictions on dividend declaration Dividend Restrictions [Abstract] Dividend Restrictions [Abstract] Refers to Tier 1 common equity divided by risk weighted assets required to be categorized as well capitalized as defined by regulations. Tier One Risk Based Common Equity Required to be Well Capitalized to Risk Weighted Assets Common equity Tier 1 capital (to risk weighted assets) To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio [Abstract] Common equity Tier 1 Risk Based equity as defined in the regulations. Tier One Risk Based Common Equity Common equity tier 1 capital (to risk weighted assets) Actual Amount [Abstract] Actual Amount [Abstract] Loans: [Abstract] Loans [Abstract] The percentage rate used to calculate dividend payments. Stock Dividend Rate Percentage Stock dividend percentage An investment that pools funds from many investors to invest in a combination of underlying investments, primarily equity investments. Mutual Funds [Member] Mutual Funds and ETF's [Member] Value of premises and equipment transferred from other assets. Real estate transferred from other assets Refers to the acquiree entity name. First National Bank of Fredericksburg [Member] First National Bank of Fredericksburg [Member] Amount refers to accrued interest payable. Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Accrued Interest Payable Accrued interest payable Accrued interest payable Amount refers to bank owned life insurance. Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Bank Owned Life Insurance Bank-owned life insurance The amount of noninterest bearing deposits assumed at the acquisition date. Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed, Noninterest Bearing Deposits Assumed Noninterest-bearing deposits Payments to purchase Interest-bearing Time Deposits by banks in other financial institutions for relatively short periods of time including, for example, certificates of deposits. Payments To Acquire Interest Bearing Time Deposits In Other Banks Purchase of interest bearing time deposits Amount of interest bearing time deposits with other banks. Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Interest Bearing Time Deposits With Other Banks Interest bearing time deposits with other banks Amount of interest bearing deposits assumed at the acquisition date. Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed,, Interest Bearing Deposits Assumed Interest-bearing deposits Amount of interest receivable on loans, acquired at the acquisition date. Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Interest Receivables on Loans Accrued interest receivable Accrued interest receivable Amount refers to loans. Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Loans Loans Acquisition of The First National Bank of Fredericksburg [Abstract] Acquisition of The First National Bank of Fredericksburg The cash outflow to reacquire restricted common stock during the period. Payments for Repurchase of Restricted Stock Purchase of restricted stock Represents investments sold and not settled included in other assets. Investments Sold And Not Settled Investments sold and not settled included in other assets This represents the amount of expense recognized during the period, that is associated with the defined benefit pension plans. Defined Benefit Plan, Cost Recognized Cost recognized Refers to the plan designed to provide participants with a salary benefit. Excludes other postretirement benefit plans. Salary Continuation Plan [Member] Refers to other real estate expenses (recovery). ORE Expenses Recovery ORE expenses The aggregate expense charged against earnings to allocate the cost of intangible assets (Core deposits and Non Compete) (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method. Amortization of Intangible Assets Core Deposits and Non Compete Amortization of intangibles Tax imposed by the Commonwealth of Pennsylvania on the book value of capital stock. Pennsylvania Shares tax Pennsylvania shares tax Maturity period of the day after the reporting date for repurchase agreements and similar transactions, for example, but not limited to, securities lending arrangements. Maturity Overnight and Continuous [Member] Overnight and Continuous [Member] The maturity date of the loan. October 2, 2017 [Member] The maturity date of the loan. July 12, 2021 [Member] The maturity date of the loan. July 12, 2018 [Member] The maturity date of the loan. February42019 [Member] February 4, 2019 [Member] The maturity date of the loan. August 202021 [Member] August 20, 2021 [Member] The maturity date of the loan. January, 06 2022 [Member] January 6, 2022 [Member] The maturity date of the loan. February32021 [Member] February 3, 2021 [Member] The entire disclosure for information about borrowing of funds and repurchase agreement. 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Document and Entity Information - USD ($)
 12 Months Ended
Dec. 31, 2016
Feb. 23, 2017
Jun. 30, 2016
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 Public Float     $ 151,208,703
Entity Common Stock, Shares Outstanding   3,323,997  
Document Fiscal Year Focus 2016    
Document Fiscal Period Focus FY    
Document Type 10-K    
Amendment Flag false    
Document Period End Date Dec. 31, 2016    
XML 16 R2.htm IDEA: XBRL DOCUMENT v3.7.0.1
Consolidated Balance Sheet - USD ($)
$ in Thousands
Dec. 31, 2016
Dec. 31, 2015
Cash and cash equivalents:    
Noninterest-bearing $ 16,854 $ 14,088
Interest-bearing 900 10,296
Total cash and cash equivalents 17,754 24,384
Interest bearing time deposits with other banks 6,955 7,696
Available-for-sale securities 314,017 359,737
Loans held for sale 1,827 603
Loans (net of allowance for loan losses: 2016, $8,886; 2015, $7,106) 790,725 687,925
Premises and equipment, net 17,030 17,263
Accrued interest receivable 4,089 4,211
Goodwill [1] 21,089 21,089
Bank owned life insurance 26,223 25,535
Other intangibles 2,096 2,437
Unsettled security sales 7,759 0
Other assets 13,454 12,104
TOTAL ASSETS 1,223,018 1,162,984
Deposits:    
Noninterest-bearing 147,425 150,960
Interest-bearing 858,078 837,071
Total deposits 1,005,503 988,031
Borrowed funds 79,662 41,631
Accrued interest payable 720 734
Other liabilities 13,865 12,828
TOTAL LIABILITIES 1,099,750 1,043,224
STOCKHOLDERS' EQUITY:    
Preferred Stock $1.00 par value; authorized 3,000,000 shares 2016 and 2015; none issued in 2016 or 2015 0 0
Common Stock $1.00 par value; authorized 15,000,000 shares 2016 and 2015; issued 3,704,375 and 3,671,751 shares in 2016 and 2015,respectively 3,704 3,672
Additional paid-in capital 42,250 40,715
Retained earnings 91,278 85,790
Accumulated other comprehensive loss (1,392) (236)
Treasury stock, at cost: 384,671 and 335,876 shares for 2016 and 2015, respectively (12,572) (10,181)
TOTAL STOCKHOLDERS' EQUITY 123,268 119,760
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 1,223,018 $ 1,162,984
[1] Excludes fully amortized intangible assets
XML 17 R3.htm IDEA: XBRL DOCUMENT v3.7.0.1
Consolidated Balance Sheet (Parenthetical) - USD ($)
$ in Thousands
Dec. 31, 2016
Dec. 31, 2015
ASSETS:    
Loans, allowance for loan losses $ 8,886 $ 7,106
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) 3,704,375 3,671,751
Treasury stock, shares (in shares) 384,671 335,876
XML 18 R4.htm IDEA: XBRL DOCUMENT v3.7.0.1
Consolidated Statement of Income - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
INTEREST AND DIVIDEND INCOME:      
Interest and fees on loans $ 35,844 $ 29,039 $ 28,324
Interest-bearing deposits with banks 221 142 82
Investment securities:      
Taxable 3,687 3,102 3,337
Nontaxable 2,970 3,152 3,354
Dividends 283 218 194
TOTAL INTEREST AND DIVIDEND INCOME 43,005 35,653 35,291
INTEREST EXPENSE:      
Deposits 4,247 4,113 4,347
Borrowed funds 794 707 606
TOTAL INTEREST EXPENSE 5,041 4,820 4,953
NET INTEREST INCOME 37,964 30,833 30,338
Provision for loan losses 1,520 480 585
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 36,444 30,353 29,753
NON-INTEREST INCOME:      
Service charges 4,461 4,126 4,297
Trust 693 673 688
Brokerage and insurance 766 720 567
Investment securities gains, net 255 429 616
Gains on loans sold 449 404 236
Earnings on bank owned life insurance 688 628 507
Other 587 443 445
TOTAL NON-INTEREST INCOME 7,899 7,423 7,356
NON-INTEREST EXPENSES:      
Salaries and employee benefits 16,410 12,504 11,505
Occupancy 1,900 1,424 1,287
Furniture and equipment 644 506 362
Professional fees 1,094 846 820
Federal depository insurance 572 464 461
Pennsylvania shares tax 690 713 686
Amortization of intangibles 327 0 0
Merger and acquisition 0 1,103 237
ORE expenses 389 969 299
Other 6,645 4,900 4,508
TOTAL NON-INTEREST EXPENSES 28,671 23,429 20,165
Income before provision for income taxes 15,672 14,347 16,944
Provision for income taxes 3,034 2,721 3,559
NET INCOME $ 12,638 $ 11,626 $ 13,385
PER COMMON SHARE DATA:      
NET INCOME - BASIC (in dollars per share) $ 3.78 $ 3.79 $ 4.36
NET INCOME - DILUTED (in dollars per share) 3.78 3.79 4.36
CASH DIVIDENDS PER SHARE (in dollars per share) $ 1.66 $ 1.71 $ 2.15
Number of shares used in computation - basic (in shares) 3,341,933 3,063,906 3,070,922
Number of shares used in computation - diluted (in shares) 3,343,489 3,065,266 3,072,217
XML 19 R5.htm IDEA: XBRL DOCUMENT v3.7.0.1
Consolidated Statement of Income (Parenthetical)
 6 Months Ended 12 Months Ended
Jun. 30, 2016
Dec. 31, 2016
Consolidated Statement of Income [Abstract]    
Stock dividend percentage 1.00%  
Dividend paid date   Jun. 30, 2016
XML 20 R6.htm IDEA: XBRL DOCUMENT v3.7.0.1
Consolidated Statement in Comprehensive Income - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Consolidated Statement of Changes in Comprehensive Income [Abstract]      
Net income $ 12,638 $ 11,626 $ 13,385
Securities available for sale      
Unrealized holding gain (loss) during the period (1,105) (920) 5,465
Income tax benefit 375 314 (1,857)
Securities available for sale (730) (606) 3,608
Reclassification adjustment for gains included in income (255) (429) (616)
Income tax benefit 87 146 209
Reclassification (168) (283) (407)
Change in unrecognized pension costs (391) (172) (1,832)
Income tax benefit 133 58 623
Pension costs (258) (114) (1,209)
Net other comprehensive income (loss) (1,156) (1,003) 1,992
Comprehensive income $ 11,482 $ 10,623 $ 15,377
XML 21 R7.htm IDEA: XBRL DOCUMENT v3.7.0.1
Consolidated Statement of Changes in Stockholders' Equity - USD ($)
$ in Thousands
Common Stock [Member]
Additional Paid-in Capital [Member]
Retained Earnings [Member]
Accumulated Other Comprehensive Income (Loss) [Member]
Treasury Stock [Member]
Total
Balance at Dec. 31, 2013 $ 3,306 $ 23,562 $ 74,325 $ (1,225) $ (7,912) $ 92,056
Balance (in shares) at Dec. 31, 2013 3,305,517          
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Net income     13,385     13,385
Net other comprehensive income (loss)       1,992   1,992
Stock dividend $ 29 1,568 (1,597)     0
Stock dividend (in shares) 29,719          
Purchase of treasury stock         (814) (814)
Restricted stock, executive and Board of Director awards   (189)     19 (170)
Restricted stock vesting   200       200
Cash dividend reinvestment paid from treasury stock   9 (480)   471 0
Cash dividends     (6,121)     (6,121)
Balance at Dec. 31, 2014 $ 3,335 25,150 79,512 767 (8,236) 100,528
Balance (in shares) at Dec. 31, 2014 3,335,236          
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Net income     11,626     11,626
Net other comprehensive income (loss)       (1,003)   (1,003)
Stock issued for acquisition $ 337 15,647       15,984
Stock issued for acquisition (in shares) 336,515          
Purchase of treasury stock         (2,455) (2,455)
Restricted stock, executive and Board of Director awards   (256)     308 52
Restricted stock vesting   179       179
Forfeited restricted stock   7     (7) 0
Cash dividend reinvestment paid from treasury stock   (12) (197)   209 0
Cash dividends     (5,151)     (5,151)
Balance at Dec. 31, 2015 $ 3,672 40,715 85,790 (236) (10,181) 119,760
Balance (in shares) at Dec. 31, 2015 3,671,751          
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Net income     12,638     12,638
Net other comprehensive income (loss)       (1,156)   (1,156)
Stock dividend $ 32 1,542 (1,574)     0
Stock dividend (in shares) 32,624          
Purchase of treasury stock         (3,227) (3,227)
Restricted stock, executive and Board of Director awards   (197)     288 91
Restricted stock vesting   184       184
Reissuance of treasury stock for employee stock purchase plan   (1)     60 59
Forfeited restricted stock   4     (4) 0
Cash dividend reinvestment paid from treasury stock   3 (495)   492 0
Cash dividends     (5,081)     (5,081)
Balance at Dec. 31, 2016 $ 3,704 $ 42,250 $ 91,278 $ (1,392) $ (12,572) $ 123,268
Balance (in shares) at Dec. 31, 2016 3,704,375          
XML 22 R8.htm IDEA: XBRL DOCUMENT v3.7.0.1
Consolidated Statement of Changes in Stockholders' Equity (Parenthetical) - $ / shares
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Consolidated Statement of Changes in Stockholders' Equity [Abstract]      
Purchase of treasury stock (in shares) 66,110 49,465 15,474
Cash dividends (in dollars per share) $ 1.66 $ 1.71 $ 2.15
Dividend paid date Jun. 30, 2016    
XML 23 R9.htm IDEA: XBRL DOCUMENT v3.7.0.1
Consolidated Statement of Cash Flows - USD ($)
$ in Thousands
 1 Months Ended 3 Months Ended 12 Months Ended
Dec. 31, 2015
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Cash Flows from Operating Activities:            
Net income   $ 3,171 $ 2,460 $ 12,638 $ 11,626 $ 13,385
Adjustments to reconcile net income to net cash provided by operating activities:            
Provision for loan losses   750 120 1,520 480 585
Depreciation and amortization       320 464 472
Amortization and accretion on investment securities       2,302 2,057 2,133
Deferred income taxes       362 (192) 478
Investment securities gains, net   (100) 1 (255) (429) (616)
Earnings on bank owned life insurance       (688) (628) (507)
Stock awards       284 179 200
Originations of loans held for sale       (22,237) (18,945) (11,129)
Proceeds from sales of loans held for sale       21,462 19,243 11,146
Realized gains on loans sold       (449) (404) (236)
(Increase) decrease in accrued interest receivable       122 (285) 84
Decrease in accrued interest payable       (14) (36) (139)
Other, net       827 (319) 322
Net cash provided by operating activities       16,194 12,811 16,178
Available-for-sale securities:            
Proceeds from sales of available-for-sale securities       22,372 30,464 28,989
Proceeds from maturity and principal repayments of securities       67,782 48,103 41,756
Purchase of securities       (55,600) (111,304) (56,257)
Proceeds from redemption of Regulatory Stock       1,556 4,476 4,706
Purchase of Regulatory Stock       (3,403) (3,879) (2,815)
Net increase in loans       (103,915) (25,981) (15,331)
Purchase of interest bearing time deposits       0 (500) (3,480)
Proceeds from matured interest bearing time deposits with other banks       744 0 0
Purchase of bank owned life insurance       0 0 (5,123)
Purchase of premises, equipment and software       (587) (776) (1,309)
Proceeds from sale of foreclosed assets held for sale       973 565 647
Acquisition, net of cash paid       0 77,895 0
Net cash (used in) provided by investing activities       (70,078) 19,063 (8,217)
Cash Flows from Financing Activities:            
Net (decrease) increase in deposits       17,472 (11,132) 25,617
Proceeds from long-term borrowings       543 5,291 6,820
Repayments of long-term borrowings       (534) (700) (4,200)
Net increase (decrease) in short-term borrowed funds       38,022 (4,759) (27,753)
Purchase of treasury stock       (3,227) (2,455) (814)
Purchase of restricted stock       0 (7) (170)
Reissuance of treasury stock to employee stock purchase plan       59 0 0
Dividends paid       (5,081) (5,151) (6,121)
Net cash provided by (used in) financing activities       47,254 (18,913) (6,621)
Net (decrease) increase in cash and cash equivalents       (6,630) 12,961 1,340
Cash and Cash Equivalents at Beginning of Year       24,384 11,423 10,083
Cash and Cash Equivalents at End of Year $ 24,384 17,754 24,384 17,754 24,384 11,423
Supplemental Disclosures of Cash Flow Information:            
Interest paid       5,055 4,841 5,092
Income taxes paid       2,475 3,375 2,835
Non-cash activities:            
Stock dividend       1,574 0 1,597
Real estate acquired in settlement of loans       599 323 1,095
Real estate transferred from other assets       0 0 549
Investments sold and not settled included in other assets       7,759 0 0
Non-cash assets acquired            
Goodwill [1] 21,089 21,089 21,089 21,089 21,089  
First National Bank of Fredericksburg [Member]            
Cash Flows from Operating Activities:            
Net income (22)          
Non-cash assets acquired            
Available-for-sale securities 23,831 0 23,831 0 23,831 0
Interest bearing time deposits with other banks 1,236 0 1,236 0 1,236 0
Loans 115,211 0 115,211 0 115,211 0
Premises and equipment 4,743 0 4,743 0 4,743 0
Accrued interest receivable 282 0 282 0 282 0
Bank-owned life insurance 4,598 0 4,598 0 4,598 0
Intangibles 1,981 0 1,981 0 1,981 0
Deferred tax asset 2,979 0 2,979 0 2,979 0
Other assets 2,332 0 2,332 0 2,332 0
Goodwill 10,833 0 10,833 0 10,833 0
Total Non-cash assets acquired 168,026 0 168,026 0 168,026 0
Liabilities assumed            
Noninterest-bearing deposits 71,971 0 71,971 0 71,971 0
Interest-bearing deposits 153,259 0 153,259 0 153,259 0
Accrued interest payable 14 0 14 0 14 0
Other liabilities 4,693 0 4,693 0 4,693 0
Total liabilities assumed 229,937 0 229,937 0 229,937 0
Net non-cash liabilities acquired (61,911) 0 (61,911) 0 (61,911) 0
Cash and cash equivalents acquired $ 83,514 $ 0 $ 83,514 $ 0 $ 83,514 $ 0
[1] Excludes fully amortized intangible assets
XML 24 R10.htm IDEA: XBRL DOCUMENT v3.7.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
 12 Months Ended
Dec. 31, 2016
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]  
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Business and Organization
Citizens Financial Services, Inc. (individually and collectively, the "Company") is headquartered in Mansfield, Pennsylvania, and provides a full range of banking and related services through its wholly owned subsidiary, First Citizens Community  Bank (the "Bank"), and its wholly owned subsidiary, First Citizens Insurance Agency, Inc.  On December 11, 2015, the Company completed its acquisition of The First National Bank of Fredericksburg (FNB). As of December 31, 2016, the Bank operates twenty five full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks and Schuylkill counties, Pennsylvania and Allegany County, New York and one limited branch office in Union county, Pennsylvania. The Bank also provides trust services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, along with a brokerage division that provides a comprehensive menu of investment services. The Bank serves individual and corporate customers and is subject to competition from other financial institutions and intermediaries with respect to these services.  The Company and Bank are supervised by the Board of Governors of the Federal Reserve System, while the Bank is subject to additional regulation and supervision by the Pennsylvania Department of Banking.
A summary of significant accounting and reporting policies applied in the presentation of the accompanying financial statements follows:
Basis of Presentation
The financial statements are consolidated to include the accounts of the Company and its subsidiary, First Citizens Community Bank, and its subsidiary, First Citizens Insurance Agency, Inc.  These statements have been prepared in accordance with U.S. generally accepted accounting principles.  All significant inter-company accounts and transactions have been eliminated in the consolidated financial statements.
Use of Estimates
In preparing the financial statements, management makes estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses for the period.  Actual results could differ significantly from those estimates.  Material estimates that are particularly susceptible to significant change relate to determination of the allowance for loan losses and deferred tax assets and liabilities.
Operating Segments
An operating segment is defined as a component of an enterprise that engages in business activities that generates revenue and incurs expense, and the operating results of which are reviewed by the chief operating decision maker in the determination of resource allocation and performance.  While the Company's chief decision makers monitor the revenue streams of the various Company's products and services, operations are managed and financial performance is evaluated on a Company-wide basis. Consistent with our internal reporting, the Company's business activities are reported as one segment, which is community banking.
Cash and Cash Equivalents
Cash equivalents include cash on hand, deposits in banks and interest-earning deposits.  Interest-earning deposits with original maturities of 90 days or less are considered cash equivalents. Net cash flows are reported for loans, deposits and short term borrowing transactions.
Interest bearing time deposits with other banks are not included with cash and cash equivalents as the original maturities were greater than 90 days.
Investment Securities
Investment securities at the time of purchase are classified as one of the three following types:
Held-to-Maturity Securities - Includes securities that the Company has the positive intent and ability to hold to maturity. These securities are reported at amortized cost. The Company had no held-to-maturity securities as of December 31, 2016 and 2015.
Trading Securities - Includes debt and equity securities bought and held principally for the purpose of selling them in the near term. Such securities are reported at fair value with unrealized holding gains and losses included in earnings. The Company had no trading securities as of December 31, 2016 and 2015.
Available-for-Sale Securities - Includes debt and equity securities not classified as held-to-maturity or trading securities that will be held for indefinite periods of time. These securities may be sold in response to changes in market interest or prepayment rates, needs for liquidity and changes in the availability of and yield of alternative investments.  Such securities are reported at fair value, with unrealized holding gains and losses excluded from earnings and reported as a separate component of stockholders' equity, net of estimated income tax effect.
The amortized cost of investment in debt securities is adjusted for amortization of premiums and accretion of discounts, computed by a method that results in a level yield. Gains and losses on the sale of investment securities are computed on the basis of specific identification of the adjusted cost of each security.
Securities are periodically reviewed for other-than-temporary impairment. For debt securities, management considers whether the present value of future 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. A decline in value that is considered to be other-than-temporary is recorded as a loss within non-interest income in the Consolidated Statement of Income.
Common stock of the Federal Reserve Bank, Federal Home Loan Bank of Pittsburgh (FHLB) and correspondent banks represent ownership in institutions which are wholly owned by other financial institutions. These equity securities are accounted for at cost and are classified as other assets.
The fair value of investments, except certain state and municipal securities, is based on bid prices published in financial newspapers or bid quotations received from securities dealers. The fair value of certain state and municipal securities is not readily available through market sources other than dealer quotations, so fair value is based on quoted market prices of similar instruments, adjusted for differences between the quoted instruments and the instruments being valued.
Loans Held for Sale
Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management's intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value.
Loans
Interest on all loans is recognized on the accrual basis based upon the principal amount outstanding. The accrual of interest income on loans is discontinued when, in the opinion of management, doubt exists as to the ability to collect such interest. Payments received on non-accrual loans are applied to the outstanding principal balance or recorded as interest income, depending upon our assessment of our ultimate ability to collect principal and interest.  Loans are returned to the accrual status when factors indicating doubtful collectability cease to exist.
The Company recognizes nonrefundable loan origination fees and certain direct loan origination costs over the life of the related loan as an adjustment of loan yield using the interest method.
Allowance for Loan Losses
The allowance for loan losses represents the amount which management estimates is adequate to provide for probable losses inherent in its loan portfolio. The allowance method is used in providing for loan losses. Accordingly, all loan losses are charged to the allowance and all recoveries are credited to it. The allowance for loan losses is established through a provision for loan losses which is charged to operations. The provision is based upon management's periodic evaluation of individual loans, the overall risk characteristics of the various portfolio segments, past experience with losses, the impact of economic conditions on borrowers, and other relevant factors. The estimates used in determining the adequacy of the allowance for loan losses are particularly susceptible to significant change in the near term.
Impaired loans are other commercial, other agricultural, municipal, agricultural real estate, commercial real estate loans and certain residential mortgages cross collateralized with commercial relationships for which it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. The Company individually evaluates such loans for impairment and does not aggregate loans by major risk classifications. The definition of "impaired loans" is not the same as the definition of "non-accrual loans," although the two categories overlap. The Company may choose to place a loan on non-accrual status due to payment delinquency or uncertain collectability, while not classifying the loan as impaired if the loan is not a commercial, agricultural, municipal or commercial real estate loan. Factors considered by management in determining impairment include payment status and collateral value. The amount of impairment for these types of impaired loans is determined by the difference between the present value of the expected cash flows related to the loan, using the original interest rate, and its recorded value; or, as a practical expedient in the case of a collateral dependent loan, the difference between the fair value of the collateral and the recorded amount of the loans.
Mortgage loans on one to four family properties and all consumer loans are large groups of smaller balance homogeneous loans and are measured for impairment collectively. Loans that experience insignificant payment delays, which is defined as 90 days or less, generally are not classified as impaired. Management determines the significance of payment delays on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the borrower's prior payment record, and the amount of shortfall in relation to the principal and interest owed.
The Company allocates the allowance based on the factors described below, which conform to the Company's loan classification policy. In reviewing risk within the Bank's loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The allowance for loan losses consists of amounts applicable to: (i) residential real estate loans; (ii) commercial real estate (iii) agricultural real estate loans; (iv) construction; (v) consumer loans; (vi) other commercial loans (vii) other agricultural loans and (viii) 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 for each risk category 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:
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Level of and trends in delinquencies, impaired/classified loans
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Change in volume and severity of past due loans
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Volume of non-accrual loans
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Volume and severity of classified, adversely or graded loans
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Level of and trends in charge-offs and recoveries
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Trends in volume, terms and nature of the loan portfolio
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Effects of any changes in risk selection and underwriting standards and any other changes in lending and recovery policies, procedures and practices
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Changes in the quality of the Bank's loan review system
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Experience, ability and depth of lending management and other relevant staff
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National, state, regional and local economic trends and business conditions
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General economic conditions
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Unemployment rates
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Inflation / CPI
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Changes in values of underlying collateral for collateral-dependent loans
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Industry conditions including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses.
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Existence and effect of any credit concentrations, and changes in the level of such concentrations
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Any change in the level of board oversight
The Company analyzes its loan portfolio each quarter to determine the appropriateness of its allowance for loan losses.
Loan Charge-off Policies
Consumer loans are generally fully or partially charged down to the fair value of collateral securing the asset when the loan is 180 days past due for open-end loans or 120 days past due for closed-end loans unless the loan is well secured and in the process of collection. All other loans are generally charged down to the net realizable value when the loan is 90 days past due.
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 either interest or principal, management measures any impairment on the restructuring as noted above for impaired loans. In addition to the allowance for the pooled portfolios, management has developed a separate allowance for loans that are identified as impaired through a TDR. TDRs are excluded from pooled loss forecasts and a separate reserve is provided under the accounting guidance for loan impairment.
Purchased Credit Impaired Loans
The Company purchased loans in connection with its acquisition of FNB in 2015, some of which showed evidence of credit deterioration as of the acquisition since origination. These purchased credit impaired (PCI) loans were recorded at the amount paid, such that there is no carryover of the seller's allowance for loan losses. After acquisition, losses are recognized by an increase in the allowance for loan losses. Over the life of the loan, expected cash flows continue to be estimated. If this subsequent estimated indicated that the present value of expected cash flows is less than the carrying amount, a charge to the allowance for loan loss is made through a provision. If the estimate indicates that the present value of the expected cash flows is greater than the carrying amount, it is recognized as part of future interest income.
Such purchased credit impaired loans are accounted for individually, and the Company estimates the amount and timing of expected cash flows for each loan. The expected cash flows in excess of the amount paid is recorded as interest income over the remaining life of the loan (accretable yield). The excess of the loan's contractual principal and interest over expected cash flows is not amortized over the remaining life of the loan (nonaccretable difference).
For loans purchased that did not show evidence of credit deterioration, the difference between the fair value of the loan at the acquisition date and the loan's face value is being amortized as a yield adjustment over the estimated remaining life of the loan using the effective interest method.
Foreclosed Assets Held For Sale
Foreclosed assets acquired in settlement of loans are carried at fair value, less estimated costs to sell. Prior to foreclosure, the value of the underlying loan is written down to fair market value of the real estate or other assets to be acquired by a charge to the allowance for loan losses, if necessary. Any subsequent write-downs are charged against operating expenses. Operating expenses of such properties, net of related income and losses on disposition, are included in other expenses and gains and losses are included in other non-interest income or other non-interest expense.
Premises and Equipment
Land is carried at cost. Premises and equipment are stated at cost, less accumulated depreciation. Depreciation expense is computed on straight line and accelerated methods over the estimated useful lives of the assets, which range from 3 to 15 years for furniture, fixtures and equipment and 5 to 40 years for building premises. Repair and maintenance expenditures which extend the useful life of an asset are capitalized and other repair expenditures are expensed as incurred.
When premises or equipment are retired or sold, the remaining cost and accumulated depreciation are removed from the accounts and any gain or loss is credited to income or charged to expense, respectively.
Intangible Assets
Intangible assets include core deposit intangibles, covenants not to compete and mortgage servicing rights (MSRs). Core deposit intangibles are a measure of the value of consumer demand and savings deposits acquired in business combinations accounted for as purchases. Covenants not to compete are payments made to former employees as compensation for agreeing not to work for competitors. The core deposit intangibles are being amortized over 10 years using the sum-of-the-years digits method of amortization, while the covenant not to compete is being amortized over four years on a straight line basis.
MSR's arose from the Company originating certain loans for the express purpose of selling such loans in the secondary market.  The Company maintains all servicing rights for these loans.  The loans held for sale are carried at lower of cost or market.  Originated MSRs are recorded by allocating total costs incurred between the loan and servicing rights based on their relative fair values.  MSRs are amortized in proportion to the estimated servicing income over the estimated life of the servicing portfolio and measured annually for impairment.
The recoverability of the carrying value of intangible assets is evaluated on an ongoing basis, and permanent declines in value, if any, are charged to expense.
Goodwill
The Company utilizes a two-step process for testing the impairment of goodwill on at least an annual basis.  This approach could cause more volatility in the Company's reported net income because impairment losses, if any, could occur irregularly and in varying amounts.  The Company may also perform a qualitative assessment to determine whether it is more likely than not that the fair value of the reporting unit is less than its carrying value. Based on the fair value of the reporting unit, no impairment of goodwill was recognized in 2016, 2015 or 2014.
Bank Owned Life Insurance
The Company has purchased life insurance policies on certain employees. Prior to January 1, 2015, the Company was the owner and sole beneficiary of the policies. Effective January 1, 2015, the insurance policies were restructured 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 these restructured agreements, the Bank receives the cash surrender value of the policy plus 50% of the benefit in excess of the cash surrender value and the remaining amount of the payout will be given to the beneficiary of the policy. Additionally, as a result of the acquisition of FNB, the Company acquired life insurance policies on former FNB employees and directors. The policies obtained as part of the acquisition provide a fixed dollar benefit to the former employee or director beneficiaries, whether or not the insured person is affiliated with the Company at the time of his or her death. Bank owned life insurance is recorded at its cash surrender value, or the amount that can be realized.  Increases in the cash surrender value are recognized as other non-interest income.  The obligation under an split-dollar benefit agreements to former employees and directors or their beneficiaries have been recognized as liabilities on the consolidated balance sheet.
Income Taxes
The Company and the Bank file a consolidated federal income tax return.  Deferred tax assets and liabilities are computed based on the difference between the financial statement basis and income tax basis of assets and liabilities using the enacted marginal tax rates.  Deferred income tax expenses or benefits are based on the changes in the net deferred tax asset or liability from period to period.
Employee Benefit Plans
The Company has noncontributory defined benefit pension plans covering employees hired before January 1, 2007 and employees acquired as part of the FNB acquisition. It is the Company's policy to fund pension costs on a current basis to the extent deductible under existing tax regulations. Such contributions are intended to provide not only for benefits attributed to service to date, but also for those expected to be earned in the future.
The Company has a defined contribution, 401(k) plan covering eligible employees. The employee may also contribute to the plan on a voluntary basis, up to a maximum percentage allowable not to exceed the limits of Code Sections 401(k).   Under the plan, the Company also makes contributions on behalf of eligible employees, which vest immediately. For employees hired after January 1, 2007, in lieu of the pension plan, an additional annual discretionary 401(k) plan contribution is made and is equal to a percentage of an employee's base compensation.
The Company also has a profit-sharing plan for employees which provide tax-deferred salary savings to plan participants.  The Company has a deferred compensation plan for directors who have elected to defer all or portions of their fees until their retirement or termination from service.
The Company has a restricted stock plan which covers eligible employees and non-employee corporate directors.  Under the plan, awards are granted based upon performance related requirements and are subject to certain vesting criteria.  Compensation cost related to restricted stock is recognized based on the market price of the stock at the grant date over the vesting period.
The Company has an employee stock purchase plan that allows employees to withhold money from their paychecks, which is then utilized to purchase shares of the Company's stock on either the open market or through treasury stock, if shares are unavailable on the open market.
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.  The SERP is considered an unfunded plan for tax and ERISA purposes and all obligations arising under the SERP are payable from the general assets of the Company.  Expenses under the SERP are recognized as earned over the expected years of service.
Advertising Costs
Advertising costs are generally expensed as incurred.
Comprehensive Loss
The Company is required to present comprehensive income in a full set of general purpose financial statements for all periods presented. Other comprehensive loss is comprised of unrealized holding gains (losses) on the available-for-sale securities portfolio and unrecognized pension costs.
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. Because the guidance does not apply to revenue associated with financial instruments, including loans and securities, we do not expect new standard, or any of the amendments, to result in a material change from our current accounting for revenue because the majority of the Company's financial instruments are not within the scope of Topic 606.  However, we do expect that the standard will result in new disclosure requirements, which are currently being evaluated.
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 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. This Update is not expected to have a significant impact on the Company's consolidated financial statements.
In January 2016, the FASB issued ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10):  Recognition and Measurement of Financial Assets and Financial Liabilities.  This Update applies to all entities that hold financial assets or owe financial liabilities and is intended to provide more useful information on the recognition, measurement, presentation, and disclosure of financial instruments.  Among other things, this Update (a) requires equity investments (except those accounted for under the equity method of accounting or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income; (b) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; (c) eliminates the requirement to disclose the fair value of financial instruments measured at amortized cost for entities that are not public business entities; (d) eliminates the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; (e) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (f) requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (that is, securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; and (g) clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity's other deferred tax assets.  For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years.  For all other entities, including not-for-profit entities and employee benefit plans within the scope of Topics 960 through 965 on plan accounting, the amendments in this Update are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. All entities that are not public business entities may adopt the amendments in this Update earlier as of the fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842).  The standard requires lessees to recognize the assets and liabilities that arise from leases on the balance sheet.  A lessee should recognize in the statement of financial position a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term.  A short-term lease is defined as one in which (a) the lease term is 12 months or less and (b) there is not an option to purchase the underlying asset that the lessee is reasonably certain to exercise.  For short-term leases, lessees may elect to recognize lease payments over the lease term on a straight-line basis.  For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2018, and interim periods within those years.  For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, and for interim periods within fiscal years beginning after December 15, 2020.  The amendments should be applied at the beginning of the earliest period presented using a modified retrospective approach with earlier application permitted as of the beginning of an interim or annual reporting period.  The Company is currently assessing the practical expedients it may elect at adoption, but does not anticipate the amendments will have a significant impact to the financial statements. Based on the Company's preliminary analysis of its current portfolio, the impact to the Company's balance sheet is estimated to result in less than a 1% increase in assets and liabilities. The Company also anticipates additional disclosures to be provided at adoption.
In March 2016, the FASB issued ASU 2016-08, Revenue from Contracts with Customers (Topic 606). The amendments in this Update affect entities with transactions included within the scope of Topic 606, which includes entities that enter into contracts with customers to transfer goods or services (that are an output of the entity's ordinary activities) in exchange for consideration.  The amendments in this Update do not change the core principle of the guidance in Topic 606; they simply clarify the implementation guidance on principal versus agent considerations. The amendments in this Update are intended to improve the operability and understandability of the implementation guidance on principal versus agent considerations. The amendments in this Update affect the guidance in ASU 2014-09, Revenue from Contracts with Customers (Topic 606), which is not yet effective. The effective date and transition requirements for the amendments in this Update are the same as the effective date and transition requirements of Update 2014-09. ASU No. 2015-14, Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date, defers the effective date of Update 2014-09 by one year.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
In March 2016, the FASB issued ASU 2016-09, Compensation – Stock Compensation (Topic 718). The amendments in this Update affect all entities that issue share-based payment awards to their employees. The standards in this Update provide simplification for several aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as with equity or liabilities, and classification on the statement of cash flows. Some of the areas for simplification apply only to nonpublic entities. In addition to those simplifications, the amendments eliminate the guidance in Topic 718 that was indefinitely deferred shortly after the issuance of FASB Statement No. 123 (revised 2004), Share-Based Payment. This should not result in a change in practice because the guidance that is being superseded was never effective. For public business entities, the amendments in this Update are effective for annual periods beginning after December 15, 2016, and interim periods within those annual periods. For all other entities, the amendments are effective for annual periods beginning after December 15, 2017, and interim periods within annual periods beginning after December 15, 2018. Early adoption is permitted for any entity in any interim or annual period. The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
In April 2016, the FASB issued ASU 2016-10, Revenue from Contracts with Customers (Topic 606).  The amendments in this Update affect entities with transactions included within the scope of Topic 606, which includes entities that enter into contracts with customers to transfer goods or services in exchange for consideration. The amendments in this Update do not change the core principle for revenue recognition in Topic 606. Instead, the amendments provide (1) more detailed guidance in a few areas and (2) additional implementation guidance and examples based on feedback the FASB received from its  stakeholders. The amendments are expected to reduce the degree of judgment necessary to comply with Topic 606, which the FASB expects will reduce the potential for diversity arising in practice and reduce the cost and complexity of applying the guidance.  The amendments in this Update affect the guidance in ASU 2014-09, Revenue from Contracts with Customers (Topic 606), which is not yet effective. The effective date and transition requirements for the amendments in this Update are the same as the effective date and transition requirements in Topic 606 (and any other Topic amended by Update 2014-09). ASU 2015-14, Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date, defers the effective date of Update 2014-09 by one year.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
In May 2016, the FASB issued ASU 2016-12, Revenue from Contracts with Customers (Topic 606), which among other things clarifies the objective of the collectability criterion in Topic 606, as well as certain narrow aspects of Topic 606. The amendments in this Update affect the guidance in ASU 2014-09, Revenue from Contracts with Customers (Topic 606), which is not yet effective. The effective date and transition requirements for the amendments in this Update are the same as the effective date and transition requirements for Topic 606 (and any other Topic amended by Update 2014-09). ASU 2015-14, Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date, defers the effective date of Update 2014-09 by one year. This Update is not expected to have a significant impact on the Company's consolidated financial statements
In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments ("ASU 2016-13"), which changes the impairment model for most financial assets. This Update is intended to improve financial reporting by requiring timelier recording of credit losses on loans and other financial instruments held by financial institutions and other organizations.  The underlying premise of the Update is that financial assets measured at amortized cost should be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The allowance for credit losses should reflect management's current estimate of credit losses that are expected to occur over the remaining life of a financial asset.  The income statement will be effected for the measurement of credit losses for newly recognized financial assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. ASU 2016-13 is effective for annual and interim periods beginning after December 15, 2019, and early adoption is permitted for annual and interim periods beginning after December 15, 2018. With certain exceptions, transition to the new requirements will be through a cumulative effect adjustment to opening retained earnings as of the beginning of the first reporting period in which the guidance is adopted.  We expect to recognize a one-time cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but cannot yet determine the magnitude of any such one-time adjustment or the overall impact of the new guidance on the consolidated financial statements.
In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230):  Classification of Certain Cash Receipts and Cash Payments ("ASU 2016-15"), which addresses eight specific cash flow issues with the objective of reducing diversity in practice.  Among these include recognizing cash payments for debt prepayment or debt extinguishment as cash outflows for financing activities; cash proceeds received from the settlement of insurance claims should be classified on the basis of the related insurance coverage; and cash proceeds received from the settlement of bank-owned life insurance policies should be classified as cash inflows from investing activities while the cash payments for premiums on bank-owned policies may be classified as cash outflows for investing activities, operating activities, or a combination of investing and operating activities.  The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity that elects early adoption must adopt all of the amendments in the same period. The amendments in this Update should be applied using a retrospective transition method to each period presented. If it is impracticable to apply the amendments retrospectively for some of the issues, the amendments for those issues would be applied prospectively as of the earliest date practicable. The Company is currently evaluating the impact the adoption of the standard will have on the Company's statement of cash flows.
In October 2016, the FASB issued ASU 2016-16, Income Taxes (Topic 740) ("ASU 2016-16"), which requires recognition of current and deferred income taxes resulting from an intra-entity transfer of any asset (excluding inventory) when the transfer occurs.  Consequently, the amendments in this Update eliminate the exception for an intra-entity transfer of an asset other than inventory. The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, including interim periods within those annual reporting periods. For all other entities, the amendments are effective for annual reporting periods beginning after December 15, 2018, and interim reporting periods within annual periods beginning after December 15, 2019.  Early adoption is permitted for all entities as of the beginning of an annual reporting period for which financial statements (interim or annual) have not been issued or made available for issuance. That is, earlier adoption should be in the first interim period if an entity issues interim financial statements. The amendments in this Update should be applied on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
In October 2016, the FASB issued ASU 2016-17, Consolidation (Topic 810) ("ASU 2016-17"), which amends the consolidation guidance on how a reporting entity that is the single decision maker of a VIE should treat indirect interests in the entity held through related parties that are under common control with the reporting entity when determining whether it is the primary beneficiary of that VIE. The primary beneficiary of a VIE is the reporting entity that has a controlling financial interest in a VIE and, therefore, consolidates the VIE. A reporting entity has an indirect interest in a VIE if it has a direct interest in a related party that, in turn, has a direct interest in the VIE. Under the amendments, a single decision maker is not required to consider indirect interests held through related parties that are under common control with the single decision maker to be the equivalent of direct interests in their entirety. Instead, a single decision maker is required to include those interests on a proportionate basis consistent with indirect interests held through other related parties.  This Update is not expected to have a significant impact on the Company's consolidated financial statements.
In October 2016, the FASB issued ASU 2016-18, Statement of Cash Flows (Topic 230) ("ASU 2016-18"), which requires that a statement of cash flows explains the change during the period in the total of cash, cash equivalents, and amounts generally described as restricted cash or restricted cash equivalents. Therefore, amounts generally described as restricted cash and restricted cash equivalents should be included with cash and cash equivalents when reconciling the beginning-of-period and end-of-period total amounts shown on the statement of cash flows. The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period.  The amendments in this Update should be applied using a retrospective transition method to each period presented.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's statement of cash flows.
In December 2016, the FASB issued ASU 2016-19, Technical Corrections and Improvements, which represents changes to clarify, correct errors, or make minor improvements to the Accounting Standards Codification. The amendments make the Accounting Standards Codification easier to understand and easier to apply by eliminating inconsistencies and providing clarifications.  Most of the amendments in this Update do not require transition guidance and are effective upon issuance of this Update. This Update is not expected to have a significant impact on the Company's consolidated financial statements.
In December 2016, the FASB issued ASU 2016-20, Technical Corrections and Improvements to Topic 606, Revenue from Contracts with Customers "ASU 2016-20".  This Update, among others things, clarifies that guarantee fees within the scope of Topic 460, Guarantees, (other than product or service warranties) are not within the scope of Topic 606. The effective date and transition requirements for ASU 2016-20 are the same as the effective date and transition requirements for the new revenue recognition guidance. For public entities with a calendar year-end, the new guidance is effective in the quarter and year beginning January 1, 2018. For all other entities with a calendar year-end, the new guidance is effective in the year ending December 31, 2019, and interim periods in 2020.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
In January 2017, the FASB issued ASU 2017-01, Business Combinations (Topic 805), Clarifying the Definition of a Business "ASU 2017-01", which provides a more robust framework to use in determining when a set of assets and activities (collectively referred to as a "set") is a business. The screen requires that when substantially all of the fair value of the gross assets acquired (or disposed of) is concentrated in a single identifiable asset or a group of similar identifiable assets, the set is not a business. This screen reduces the number of transactions that need to be further evaluated.  Public business entities should apply the amendments in this Update to annual periods beginning after December 15, 2017, including interim periods within those periods. All other entities should apply the amendments to annual periods beginning after December 15, 2018, and interim periods within annual periods beginning after December 15, 2019.  The amendments in this Update should be applied prospectively on or after the effective date.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
Treasury Stock
The purchase of the Company's common stock is recorded at cost.  At the date of subsequent reissue, the treasury stock account is reduced by the cost of such stock on a last-in-first-out basis.
Cash Flows
The Company utilizes the net reporting of cash receipts and cash payments for deposit, short-term borrowing and lending activities.  The Company considers amounts due from banks and interest-bearing deposits in banks as cash equivalents.
Trust Assets and Income
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.  In accordance with industry practice, fees are recorded on the cash basis and approximate the fees which would have been recognized on the accrual basis.
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.
  
2016
  
2015
  
2014
 
Basic earnings per share computation:
         
Net income applicable to common stock
 
$
12,638,000
  
$
11,626,000
  
$
13,385,000
 
Weighted average common shares outstanding
  
3,341,933
   
3,063,906
   
3,070,922
 
Earnings per share - basic
 
$
3.78
  
$
3.79
  
$
4.36
 
 
            
Diluted earnings per share computation:
            
Net income applicable to common stock
 
$
12,638,000
  
$
11,626,000
  
$
13,385,000
 
Weighted average common shares outstanding for basic earnings per share
  
3,341,933
   
3,063,906
   
3,070,922
 
Add: Dilutive effects of restricted stock
  
1,556
   
1,360
   
1,295
 
Weighted average common shares outstanding for dilutive earnings per share
  
3,343,489
   
3,065,266
   
3,072,217
 
Earnings per share - dilutive
 
$
3.78
  
$
3.79
  
$
4.36
 
Nonvested shares of restricted stock totaling 3,087, 2,105 and 2,248 were outstanding during 2016, 2015 and 2014, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. These anti-dilutive shares had per share prices ranging from $46.69-$53.15, $50.15-$53.15 and $37.10-$50.50 for 2016, 2015 and  2014, respectively.
Reclassification
Certain of the prior year amounts have been reclassified to conform to the current year presentation. Such reclassifications had no effect on net income or stockholders' equity.
XML 25 R11.htm IDEA: XBRL DOCUMENT v3.7.0.1
RESTRICTIONS ON CASH AND DUE FROM BANKS
 12 Months Ended
Dec. 31, 2016
RESTRICTIONS ON CASH AND DUE FROM BANKS [Abstract]  
RESTRICTIONS ON CASH AND DUE FROM BANKS
2. RESTRICTIONS ON CASH AND DUE FROM BANKS
The Bank is required to maintain reserves, in the form of cash balances with the Federal Reserve Bank, against its deposit liabilities.  The amount of such reserves was $2,297,000 and $1,646,000 at December 31, 2016 and 2015, respectively.
Non-retirement account deposits with one financial institution are insured up to $250,000. At times, the Company maintains cash and cash equivalents with other financial institutions in excess of the insured amount.
XML 26 R12.htm IDEA: XBRL DOCUMENT v3.7.0.1
INVESTMENT SECURITIES
 12 Months Ended
Dec. 31, 2016
INVESTMENT SECURITIES [Abstract]  
INVESTMENT SECURITIES
3. INVESTMENT SECURITIES
The amortized cost, gross unrealized gains and losses, and fair value of investment securities at December 31, 2016 and 2015 were as follows (in thousands):
     
Gross
  
Gross
    
  
Amortized
  
Unrealized
  
Unrealized
  
Fair
 
2016
 
Cost
  
Gains
  
Losses
  
Value
 
Available-for-sale securities:
            
  U.S. Agency securities
 
$
170,276
  
$
407
  
$
(269
)
 
$
170,414
 
  U.S. Treasuries
  
2,999
   
1
   
-
   
3,000
 
  Obligations of state and
                
    political subdivisions
  
95,956
   
1,463
   
(493
)
  
96,926
 
  Corporate obligations
  
3,000
   
50
   
-
   
3,050
 
  Mortgage-backed securities in
                
    government sponsored entities
  
37,987
   
88
   
(347
)
  
37,728
 
  Equity securities in financial institutions
  
1,821
   
1,078
   
-
   
2,899
 
Total available-for-sale securities
 
$
312,039
  
$
3,087
  
$
(1,109
)
 
$
314,017
 
                 
2015
                
Available-for-sale securities:
                
  U.S. Agency securities
 
$
199,749
  
$
369
  
$
(527
)
 
$
199,591
 
  U.S. Treasuries
  
10,103
   
-
   
(21
)
  
10,082
 
  Obligations of state and
                
    political subdivisions
  
99,856
   
3,080
   
(73
)
  
102,863
 
  Corporate obligations
  
14,583
   
68
   
(86
)
  
14,565
 
  Mortgage-backed securities in
                
    government sponsored entities
  
30,107
   
186
   
(89
)
  
30,204
 
  Equity securities in financial institutions
  
2,001
   
436
   
(5
)
  
2,432
 
Total available-for-sale securities
 
$
356,399
  
$
4,139
  
$
(801
)
 
$
359,737
 
The following table shows the Company's gross unrealized losses and fair value, aggregated by investment category and length of time, that the individual securities have been in a continuous unrealized loss position, at December 31, 2016 and 2015 (in thousands).  As of December 31, 2016, the Company owned 88 securities whose fair value was less than their cost basis.
 
 
Less than Twelve Months
  
Twelve Months or Greater
  
Total
 
     
Gross
     
Gross
     
Gross
 
  
Fair
  
Unrealized
  
Fair
  
Unrealized
  
Fair
  
Unrealized
 
2016
 
Value
  
Losses
  
Value
  
Losses
  
Value
  
Losses
 
U.S. Agency securities
 
$
50,947
  
$
(269
)
 
$
-
  
$
-
  
$
50,947
  
$
(269
)
Obligations of states and
                        
     political subdivisions
  
28,398
   
(472
)
  
767
   
(21
)
  
29,165
   
(493
)
Mortgage-backed securities in
                        
     government sponsored entities
  
26,717
   
(330
)
  
753
   
(17
)
  
27,470
   
(347
)
    Total securities
 
$
106,062
  
$
(1,071
)
 
$
1,520
  
$
(38
)
 
$
107,582
  
$
(1,109
)
                         
2015
                        
U.S. Agency securities
 
$
123,591
  
$
(527
)
 
$
-
  
$
-
  
$
123,591
  
$
(527
)
U.S. Treasuries
  
10,082
   
(21
)
  
-
   
-
   
10,082
   
(21
)
Obligations of states and
                        
     political subdivisions
  
7,023
   
(57
)
  
2,914
   
(16
)
  
9,937
   
(73
)
Corporate obligations
  
5,822
   
(61
)
  
2,138
   
(25
)
  
7,960
   
(86
)
Mortgage-backed securities in
                        
     government sponsored entities
  
9,830
   
(77
)
  
227
   
(12
)
  
10,057
   
(89
)
  Equity securities in financial institutions
  
106
   
(5
)
  
-
   
-
   
106
   
(5
)
    Total securities
 
$
156,454
  
$
(748
)
 
$
5,279
  
$
(53
)
 
$
161,733
  
$
(801
)
As of December 31, 2016, 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 and mortgage backed securities in government sponsored entities. 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.  As of December 31, 2016 and 2015, the Company had 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 company-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 during 2016, 2015 and, 2014 were $22,372,000, $30,464,000 and $28,989,000, respectively. The gross gains realized during 2016 consisted of $72,000, $27,000, $80,000 and $133,000 from the sales of four agency securities, two US treasury notes, four municipal securities and portions of three equity security positions, respectively. The gross losses realized during 2016 consisted of $22,000 and $35,000 from the sales of four agency securities and six corporate securities. The gross gains realized during 2015 consisted of $196,000, $69,000, $99,000 and $76,000 from the sales of five agency securities, five mortgage backed securities, seven municipal securities and an entire equity security position, respectively. The gross loss of $11,000 was realized from the sale of one US treasury security. The gross gains realized during 2014 consisted of $177,000, $197,000, $172,000 and $101,000 from the sales eight agency securities, seven mortgage backed securities, one municipal security and a portion of one equity security, respectively. The gross loss of $31,000 was realized from the sale of two US treasury securities. Gross gains and gross losses were realized as follows (in thousands):
 
 
2016
  
2015
  
2014
 
Gross gains
 
$
312
  
$
440
  
$
647
 
Gross losses
  
(57
)
  
(11
)
  
(31
)
Net gains
 
$
255
  
$
429
  
$
616
 
Investment securities with an approximate carrying value of $206,322,000 and $203,769,000 at December 31, 2016 and 2015, respectively, were pledged to secure public funds and certain other deposits as provided by law and certain borrowing arrangements of the Company.
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 December 31, 2016, by contractual maturity are shown below (in thousands). Municipal securities that have been refunded and will therefore pay-off on the call date are reflected in the table below utilizing the call date as the date of repayment as payment is guaranteed on that day:
  
Amortized
    
 
 
Cost
  
Fair Value
 
Available-for-sale securities:
      
  Due in one year or less
 
$
44,331
  
$
44,484
 
  Due after one year through five years
  
155,199
   
156,177
 
  Due after five years through ten years
  
38,363
   
38,305
 
  Due after ten years
  
72,325
   
72,152
 
Total
 
$
310,218
  
$
311,118
 
XML 27 R13.htm IDEA: XBRL DOCUMENT v3.7.0.1
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES
 12 Months Ended
Dec. 31, 2016
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES [Abstract]  
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES
4. LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES
The Company grants commercial, industrial, agricultural, residential, and consumer loans primarily to customers throughout north central and south central Pennsylvania and southern New York.  Although the Company has a diversified loan portfolio at December 31, 2016 and 2015, 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, as well as how those segments are analyzed within the allowance for loan losses as of December 31, 2016 and 2015 (in thousands):
2016
 
Total Loans
  
Individually
evaluated for
impairment
  
Loans acquired
with deteriorated
credit quality
  
Collectively
evaluated for
impairment
 
Real estate loans:
            
     Residential
 
$
207,423
  
$
957
  
$
35
  
$
206,431
 
     Commercial
  
252,577
   
5,742
   
1,969
   
244,866
 
     Agricultural
  
123,624
   
3,346
   
738
   
119,540
 
     Construction
  
25,441
   
-
   
-
   
25,441
 
Consumer
  
11,005
   
-
   
4
   
11,001
 
Other commercial loans
  
58,639
   
5,994
   
621
   
52,024
 
Other agricultural loans
  
23,388
   
1,654
   
-
   
21,734
 
State and political subdivision loans
  
97,514
   
-
   
-
   
97,514
 
Total
  
799,611
   
17,693
   
3,367
   
778,551
 
Less: Allowance for loan losses
  
8,886
   
487
   
-
   
8,399
 
Net loans
 
$
790,725
  
$
17,206
  
$
3,367
  
$
770,152
 

2015
 
Total Loans
  
Individually
evaluated for impairment
  
Loans acquired
with deteriorated
credit quality
  
Collectively
evaluated for
 impairment
 
Real estate loans:
            
     Residential
 
$
203,407
  
$
304
  
$
35
  
$
203,068
 
     Commercial
  
237,542
   
6,068
   
2,170
   
229,304
 
     Agricultural
  
57,822
   
167
   
738
   
56,917
 
     Construction
  
15,011
   
-
   
-
   
15,011
 
Consumer
  
11,543
   
-
   
9
   
11,534
 
Other commercial loans
  
57,549
   
5,640
   
866
   
51,043
 
Other agricultural loans
  
13,657
   
105
       
13,552
 
State and political subdivision loans
  
98,500
   
-
   
-
   
98,500
 
Total
  
695,031
   
12,284
   
3,818
   
678,929
 
Less: Allowance for loan losses
  
7,106
   
355
   
-
   
6,751
 
Net loans
 
$
687,925
  
$
11,929
  
$
3,818
  
$
672,178
 
As of December 31, 2016 and 2015, net unamortized loan fees and costs of $732,000 and $1,170,000, respectively, were included in the carrying value of loans. Purchased loans acquired in connection with the FNB acquisition were recorded at fair value on their purchase date without a carryover of the related allowance for loan losses.
Upon acquisition, the Company evaluated whether an acquired loan was within the scope of ASC 310-30, Receivables-Loans and Debt Securities Acquired with Deteriorated Credit Quality. Purchased credit-impaired ("PCI") loans are loans that have evidence of credit deterioration since origination and it is probable at the date of acquisition that the Company will not collect all contractually required principal and interest payments. The fair value of PCI loans, on the acquisition date, was determined, primarily based on the fair value of the loans' collateral. The carrying value of PCI loans was $3,367,000 and $3,818,000 at December 31, 2016 and December 31, 2015, respectively. The carrying value of the PCI loans was determined by projected discounted contractual cash flows.
On the acquisition date, the unpaid principal balance for all PCI loans was $6,969,000 and the estimated fair value of the loans was $3,809,000. Total contractually required payments on these loans, including interest, at the acquisition date was $9,913,000. However, the Company's preliminary estimate of expected cash flows was $4,474,000. At such date, the Company established a credit risk related non-accretable discount (a discount representing amounts which are not expected to be collected from the customer nor liquidation of collateral) of $5,439,000 relating to these PCI loans, reflected in the recorded net fair value. Such amount is reflected as a non-accretable fair value adjustment to loans. The Company further estimated the timing and amount of expected cash flows and established an accretable discount of $665,000 on the acquisition date relating to these PCI loans.
Changes in the amortizable yield for PCI loans were as follows for the years ended December 31, 2016 and 2015 (in thousands):
 
 
December 31, 2016
  
December 31, 2015
 
Balance at beginning of period
 
$
637
  
$
665
 
Accretion
  
(349
)
  
(28
)
Reclassification of non-accretable discount
  
101
   
-
 
Balance at end of period
 
$
389
  
$
637
 
The following table presents additional information regarding PCI loans:
(In Thousands)
 
December 31, 2016
  
December 31, 2015
 
Outstanding balance
 
$
6,487
  
$
6,950
 
Carrying amount
  
3,367
   
3,818
 
Real estate loans serviced for Freddie Mac, Fannie Mae and the FHLB, which are not included in the Consolidated Balance Sheet, totaled $135,404,000 and $133,210,000 at December 31, 2016 and 2015, respectively. Loans sold to Freddie Mac and Fannie Mae were sold without recourse and total $102,444,000 and $92,773,000 at December 31, 2016 and 2015, respectively. Additionally, the Bank acquired a portfolio of loans sold to the FHLB during the acquisition of FNB, which were sold under the Mortgage Partnership Finance Program ("MPF"). The Bank is no longer an active participant in the MPF program. The MPF portfolio balance was $32,960,000 and $40,437,000 at December 31, 2016 and 2015, respectively. The FHLB maintains a first-loss position for the MPF portfolio that totals $120,000. Should the FHLB exhaust its first-loss position, recourse to the Bank's credit enhancement would be up to the next $985,000 of losses. The Bank has not experienced any losses for the MPF portfolio.
The segments of the Bank's loan portfolio are disaggregated into classes to a level that allows management to monitor risk and performance. Residential real estate mortgages consists of 15 to 30 year first mortgages on residential real estate, while residential real estate home equities are consumer purpose installment loans or lines of credit  secured by a mortgage which is often a second lien on residential real estate with terms of 15 years or less. Commercial real estate are business purpose loans secured by a mortgage on commercial real estate. Agricultural real estate are loans secured by a mortgage on real estate used in agriculture production. Construction real estate 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 collateral other than real estate and overdraft lines of credit connected with 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 subdivisions are loans for state and local municipalities for capital and operating expenses or tax free loans used to finance commercial development.
Management considers other commercial loans, other agricultural loans, commercial and agricultural real estate loans and state and political subdivision loans which are 90 days or more past due to be impaired. Certain residential mortgages, home equity and consumer loans that are cross collateralized with commercial relationships determined to be impaired may be classified as impaired as well. These 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 allowance allocation or a charge-off to the allowance.
The following table includes the recorded investment and unpaid principal balances for impaired loans by class, with the associated allowance amount as of December 31, 2016 and 2015, if applicable (in thousands):

 
    
Recorded
  
Recorded
       
 
 
Unpaid
  
Investment
  
Investment
  
Total
    
 
 
Principal
  
With No
  
With
  
Recorded
  
Related
 
 2016
 
Balance
  
Allowance
  
Allowance
  
Investment
  
Allowance
 
Real estate loans:
               
     Mortgages
 
$
953
  
$
570
  
$
330
  
$
900
  
$
22
 
     Home Equity
  
57
   
-
   
57
   
57
   
10
 
     Commercial
  
7,958
   
5,697
   
45
   
5,742
   
45
 
     Agricultural
  
3,347
   
2,000
   
1,347
   
3,347
   
54
 
Other commercial loans
  
6,159
   
5,135
   
859
   
5,994
   
326
 
Other agricultural loans
  
1,653
   
1,629
   
24
   
1,653
   
30
 
Total
 
$
20,127
  
$
15,031
  
$
2,662
  
$
17,693
  
$
487
 

 
     
Recorded
  
Recorded
       
  
Unpaid
  
Investment
  
Investment
  
Total
    
  
Principal
  
With No
  
With
  
Recorded
  
Related
 
2015
 
Balance
  
Allowance
  
Allowance
  
Investment
  
Allowance
 
Real estate loans:
               
     Mortgages
 
$
281
  
$
114
  
$
129
  
$
243
  
$
26
 
     Home Equity
  
61
   
-
   
61
   
61
   
11
 
     Commercial
  
8,654
   
5,843
   
225
   
6,068
   
62
 
     Agricultural
  
167
   
167
   
-
   
167
   
-
 
Other commercial loans
  
5,535
   
4,653
   
987
   
5,640
   
256
 
Other agricultural loans
  
105
   
105
   
-
   
105
   
-
 
Total
 
$
14,803
  
$
10,882
  
$
1,402
  
$
12,284
  
$
355
 
The following table includes the average investment in impaired loans and the income recognized on impaired loans for 2016, 2015 and 2014 (in thousands):
 
       
Interest
 
 
 
Average
  
Interest
  
Income
 
 
 
Recorded
  
Income
  
Recognized
 
2016
 
Investment
  
Recognized
  
Cash Basis
 
Real estate loans:
         
     Mortgages
 
$
590
  
$
13
  
$
-
 
     Home Equity
  
59
   
4
   
-
 
     Commercial
  
5,959
   
69
   
1
 
     Agricultural
  
361
   
17
   
-
 
Consumer
  
-
   
-
   
-
 
Other commercial loans
  
5,715
   
87
   
6
 
Other agricultural loans
  
190
   
11
   
-
 
Total
 
$
12,874
  
$
201
  
$
7
 
 
            
2015
            
Real estate loans:
            
     Mortgages
 
$
240
  
$
12
  
$
-
 
     Home Equity
  
88
   
4
   
-
 
     Commercial
  
5,683
   
63
   
5
 
     Agricultural
  
56
   
2
   
-
 
Consumer
  
-
   
-
   
-
 
Other commercial loans
  
2,700
   
98
   
6
 
Other agricultural loans
  
37
   
1
   
-
 
Total
 
$
8,804
  
$
180
  
$
11
 
 
            
2014
            
Real estate loans:
            
     Mortgages
 
$
198
  
$
9
  
$
-
 
     Home Equity
  
130
   
4
   
-
 
     Commercial
  
7,270
   
54
   
-
 
     Agricultural
  
-
   
-
   
-
 
Consumer
  
10
   
-
   
-
 
Other commercial loans
  
2,031
   
79
   
-
 
Other agricultural loans
  
-
   
-
   
-
 
Total
 
$
9,639
  
$
146
  
$
-
 
Credit Quality Information
For commercial real estate, agricultural real estate, construction, other commercial, other agricultural loans and state and political subdivision loans, management uses a nine point internal risk rating system to monitor the 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 are 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 Bank'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 Bank engages an external consultant on at least an annual basis. The external consultant is engaged 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 years, 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, or 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 December 31, 2016 and 2015 (in thousands):
 
 
Pass
  
Special Mention
  
Substandard
  
Doubtful
  
Loss
  
Ending Balance
 
2016
                  
Real estate loans:
                  
     Commercial
 
$
225,185
  
$
14,045
  
$
13,347
  
$
-
  
$
-
  
$
252,577
 
     Agricultural
  
110,785
   
8,231
   
4,608
   
-
   
-
   
123,624
 
     Construction
  
25,441
   
-
   
-
   
-
   
-
   
25,441
 
Other commercial loans
  
51,396
   
2,049
   
5,105
   
89
   
-
   
58,639
 
Other agricultural loans
  
20,178
   
1,733
   
1,477
   
-
   
-
   
23,388
 
State and political
                        
   subdivision loans
  
83,620
   
13,066
   
828
   
-
   
-
   
97,514
 
Total
 
$
516,605
  
$
39,124
  
$
25,365
  
$
89
  
$
-
  
$
581,183
 
 
                        
2015
                        
Real estate loans:
                        
     Commercial
 
$
217,544
  
$
4,150
  
$
15,816
  
$
32
  
$
-
  
$
237,542
 
     Agricultural
  
53,695
   
2,865
   
1,262
   
-
   
-
   
57,822
 
     Construction
  
14,422
   
589
   
-
   
-
   
-
   
15,011
 
Other commercial loans
  
51,297
   
446
   
5,669
   
137
   
-
   
57,549
 
Other agricultural loans
  
13,318
   
234
   
105
   
-
   
-
   
13,657
 
State and political
                        
   subdivision loans
  
98,500
   
-
   
-
   
-
   
-
   
98,500
 
Total
 
$
448,776
  
$
8,284
  
$
22,852
  
$
169
  
$
-
  
$
480,081
 
For residential real estate mortgages, home equities 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. The following table presents the recorded investment in those loan classes based on payment activity as of December 31, 2016 and 2015 (in thousands):
2016
 
Performing
  
Non-performing
  
PCI
  
Total
 
Real estate loans:
            
     Mortgages
 
$
147,047
  
$
1,648
  
$
35
  
$
148,730
 
     Home Equity
  
58,438
   
255
   
-
   
58,693
 
Consumer
  
10,892
   
109
   
4
   
11,005
 
Total
 
$
216,377
  
$
2,012
  
$
39
  
$
218,428
 
 
2015
 
Performing
  
Non-performing
  
PCI
  
Total
 
Real estate loans:
                
     Mortgages
 
$
139,734
  
$
1,270
  
$
35
  
$
141,039
 
     Home Equity
  
62,236
   
132
   
-
   
62,368
 
Consumer
  
11,470
   
64
   
9
   
11,543
 
Total
 
$
213,440
  
$
1,466
  
$
44
  
$
214,950
 
Aging Analysis of Past Due Loans by Class
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 loans as of December 31, 2016 and 2015 (in thousands):
 
 
30-59 Days
  
60-89 Days
  
90 Days
  
Total Past
        
Total Financing
  
90 Days and
 
2016
 
Past Due
  
Past Due
  
Or Greater
  
Due
  
Current
  
PCI
  
Receivables
  
Accruing
 
Real estate loans:
                        
     Mortgages
 
$
630
  
$
36
  
$
1,109
  
$
1,775
  
$
146,920
  
$
35
  
$
148,730
  
$
173
 
     Home Equity
  
384
   
49
   
209
   
642
   
58,051
   
-
   
58,693
   
160
 
     Commercial
  
1,757
   
58
   
4,302
   
6,117
   
244,491
   
1,969
   
252,577
   
-
 
     Agricultural
  
-
   
-
   
1,145
   
1,145
   
121,741
   
738
   
123,624
   
-
 
     Construction
  
-
   
-
   
-
   
-
   
25,441
   
-
   
25,441
   
-
 
Consumer
  
115
   
40
   
83
   
238
   
10,763
   
4
   
11,005
   
67
 
Other commercial loans
  
95
   
35
   
4,004
   
4,134
   
53,884
   
621
   
58,639
   
-
 
Other agricultural loans
  
43
   
34
   
5
   
82
   
23,306
   
-
   
23,388
   
5
 
State and political
                                
   subdivision loans
  
-
   
-
   
-
   
-
   
97,514
   
-
   
97,514
   
-
 
Total
 
$
3,024
  
$
252
  
$
10,857
  
$
14,133
  
$
782,111
  
$
3,367
  
$
799,611
  
$
405
 
 
                                
Loans considered non-accrual
 
$
172
  
$
105
  
$
10,452
  
$
10,729
  
$
725
  
$
-
  
$
11,454
     
Loans still accruing
  
2,852
   
147
   
405
   
3,404
   
781,386
   
3,367
   
788,157
     
Total
 
$
3,024
  
$
252
  
$
10,857
  
$
14,133
  
$
782,111
  
$
3,367
  
$
799,611
     

 
 
30-59 Days
  
60-89 Days
  
90 Days
  
Total Past
        
Total Financing
  
90 Days and
 
2015
 
Past Due
  
Past Due
  
Or Greater
  
Due
  
Current
  
PCI
  
Receivables
  
Accruing
 
Real estate loans:
                        
     Mortgages
 
$
487
  
$
283
  
$
687
  
$
1,457
  
$
139,547
  
$
35
  
$
141,039
  
$
321
 
     Home Equity
  
630
   
15
   
121
   
766
   
61,602
   
-
   
62,368
   
73
 
     Commercial
  
824
   
57
   
4,139
   
5,020
   
230,352
   
2,170
   
237,542
   
60
 
     Agricultural
  
177
   
167
   
-
   
344
   
56,740
   
738
   
57,822
   
-
 
     Construction
  
-
   
-
   
-
   
-
   
15,011
   
-
   
15,011
   
-
 
Consumer
  
239
   
37
   
49
   
325
   
11,209
   
9
   
11,543
   
9
 
Other commercial loans
  
143
   
214
   
1,010
   
1,367
   
55,316
   
866
   
57,549
   
160
 
Other agricultural loans
  
9
   
-
   
-
   
9
   
13,648
   
-
   
13,657
   
-
 
State and political
                                
   subdivision loans
  
-
   
-
   
-
   
-
   
98,500
   
-
   
98,500
   
-
 
Total
 
$
2,509
  
$
773
  
$
6,006
  
$
9,288
  
$
681,925
  
$
3,818
  
$
695,031
  
$
623
 
 
                                
Loans considered non-accrual
 
$
54
  
$
171
  
$
5,383
  
$
5,608
  
$
923
  
$
-
  
$
6,531
     
Loans still accruing
  
2,455
   
602
   
623
   
3,680
   
681,002
   
3,818
   
688,500
     
Total
 
$
2,509
  
$
773
  
$
6,006
  
$
9,288
  
$
681,925
  
$
3,818
  
$
695,031
     
Nonaccrual Loans
Loans are considered for nonaccrual status upon reaching 90 days delinquency, unless the loan is well secured and in the process of collection, 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.
The following table reflects the loans on nonaccrual status as of December 31, 2016 and 2015, respectively. The balances are presented by class of loan (in thousands):
 
 
2016
  
2015
 
Real estate loans:
      
     Mortgages
 
$
1,475
  
$
949
 
     Home Equity
  
95
   
59
 
     Commercial
  
4,445
   
4,422
 
     Agricultural
  
1,340
   
34
 
     Construction
  
-
   
-
 
Consumer
  
42
   
55
 
Other commercial loans
  
4,057
   
1,012
 
Other agricultural loans
  
-
   
-
 
State and political subdivision
  
-
   
-
 
 
        
 
 
$
11,454
  
$
6,531
 
Interest income on loans would have increased by approximately $603,000, $463,000 and $527,000 during 2016, 2015 and 2014, respectively, if these loans had performed in accordance with their terms.
Troubled Debt Restructurings (TDR)
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 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 either interest or principal, 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 December 31, 2016, 2015 and 2014, included within the allowance for loan losses are reserves of $29,000, $37,000 and $26,000, respectively, that are associated with loans modified as TDRs.
Loan modifications that are considered TDRs completed during the years ended December 31, 2016, 2015 and 2014 were as follows (dollars in thousands):
  
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
 
 2016
                  
Real estate loans:
                  
     Commercial
  
-
   
4
  
$
-
  
$
1,188
  
$
-
  
$
1,188
 
     Agricultural
  
-
   
5
   
-
   
1,956
   
-
   
1,956
 
Other commercial loans
  
-
   
3
   
-
   
3,076
   
-
   
3,076
 
Other agricultural loans
  
-
   
7
   
-
   
1,558
   
-
   
1,558
 
Total
  
-
   
19
  
$
-
  
$
7,778
  
$
-
  
$
7,778
 
                         
 2015
                        
Real estate loans:
                        
     Mortgages
  
1
   
1
  
$
71
  
$
19
  
$
71
  
$
19
 
Total
  
1
   
1
  
$
71
  
$
19
  
$
71
  
$
19
 
                         
 2014
                        
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, 2016, 2015 and 2014, respectively, and that subsequently defaulted during these reporting periods (dollars in thousands):
 
 
December 31, 2016
  
December 31, 2015
  
December 31, 2014
 
 
 
Number of
contracts
  
Recorded
investment
  
Number of
 contracts
  
Recorded
investment
  
Number of
contracts
  
Recorded
investment
 
Real estate loans:
                  
     Commercial
  
-
  
$
-
   
-
  
$
-
   
1
  
$
50
 
Total recidivism
  
-
  
$
-
   
-
  
$
-
   
1
  
$
50
 
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 December 31, 2016 and 2015 included with other assets are $1,036,000 and $1,354,000, respectively, of foreclosed assets. As of December 31, 2016, included within the foreclosed assets is $217,000 of consumer residential mortgages that were foreclosed on or received via a deed in lieu transaction prior to the period end. As of December 31, 2016, the Company has initiated formal foreclosure proceedings on $1,239,000 of consumer residential mortgages, which have not yet been transferred into foreclosed assets.
Allowance for Loan Losses
The following tables roll forward the balance of the allowance for loan and lease losses for the years ended December 31, 2016, 2015 and 2014 and is segregated into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of December 31, 2016, 2015 and 2014 (in thousands):
 
 
Balance at
December 31, 2015
  
Charge-offs
  
Recoveries
  
Provision
  
Balance at
December 31, 2016
  
Individually
evaluated for impairment
  
Collectively
evaluated for impairment
 
Real estate loans:
                     
     Residential
 
$
905
  
$
(85
)
 
$
-
  
$
244
  
$
1,064
  
$
32
  
$
1,032
 
     Commercial
  
3,376
   
(100
)
  
479
   
(166
)
  
3,589
   
45
   
3,544
 
     Agricultural
  
409
   
-
   
-
   
1,085
   
1,494
   
54
   
1,440
 
     Construction
  
24
   
-
   
-
   
23
   
47
   
-
   
47
 
Consumer
  
102
   
(100
)
  
88
   
32
   
122
   
-
   
122
 
Other commercial loans
  
1,183
   
(55
)
  
33
   
166
   
1,327
   
326
   
1,001
 
Other agricultural loans
  
122
   
-
   
-
   
190
   
312
   
30
   
282
 
State and political
                            
  subdivision loans
  
593
   
-
   
-
   
240
   
833
   
-
   
833
 
Unallocated
  
392
   
-
   
-
   
(294
)
  
98
   
-
   
98
 
Total
 
$
7,106
  
$
(340
)
 
$
600
  
$
1,520
  
$
8,886
  
$
487
  
$
8,399
 
 
                            
 
 
Balance at
December 31, 2014
  
Charge-offs
  
Recoveries
  
Provision
  
Balance at
December 31, 2015
  
Individually
evaluated for
impairment
  
Collectively
evaluated for
impairment
 
Real estate loans:
                            
     Residential
 
$
878
  
$
(66
)
 
$
-
  
$
93
  
$
905
  
$
37
  
$
868
 
     Commercial
  
3,419
   
(84
)
  
14
   
27
   
3,376
   
62
   
3,314
 
     Agricultural
  
451
           
(42
)
  
409
   
-
   
409
 
     Construction
  
26
   
-
   
-
   
(2
)
  
24
   
-
   
24
 
Consumer
  
84
   
(47
)
  
33
   
32
   
102
   
-
   
102
 
Other commercial loans
  
1,007
   
(41
)
  
2
   
215
   
1,183
   
256
   
927
 
Other agricultural loans
  
217
           
(95
)
  
122
       
122
 
State and political
              
-
             
  subdivision loans
  
545
   
-
   
-
   
48
   
593
   
-
   
593
 
Unallocated
  
188
   
-
   
-
   
204
   
392
   
-
   
392
 
Total
 
$
6,815
  
$
(238
)
 
$
49
  
$
480
  
$
7,106
  
$
355
  
$
6,751
 

 
 
Balance at
December 31, 2013
  
Charge-offs
  
Recoveries
  
Provision
  
Balance at
December 31, 2014
  
Individually
evaluated for
impairment
  
Collectively
evaluated for
impairment
 
Real estate loans:
                     
     Residential
 
$
946
  
$
(97
)
 
$
-
  
$
29
  
$
878
  
$
25
  
$
853
 
     Commercial
  
3,983
   
(516
)
  
15
   
(63
)
  
3,419
   
72
   
3,347
 
     Agricultural
  
575
           
(124
)
  
451
       
451
 
     Construction
  
50
   
-
   
-
   
(24
)
  
26
   
-
   
26
 
 
 
Consumer
  
105
   
(47
)
  
27
   
(1
)
  
84
   
-
   
84
 
Other commercial loans
  
686
   
(250
)
  
-
   
571
   
1,007
   
1
   
1,006
 
Other agricultural loans
  
256
           
(39
)
  
217
       
217
 
State and political
              
-
             
  subdivision loans
  
330
   
-
   
-
   
215
   
545
   
-
   
545
 
Unallocated
  
167
   
-
   
-
   
21
   
188
   
-
   
188
 
Total
 
$
7,098
  
$
(910
)
 
$
42
  
$
585
  
$
6,815
  
$
98
  
$
6,717
 
As discussed in Footnote 1, management evaluates various qualitative factors on a quarterly basis. The following are explanations for the changes in the allowance by portolio segments:
2016
Residential - There was an increase in the historical loss factor for residential loans when comparing 2015 and 2016. The specific reserve for residential loans decreased slightly between 2015 and 2016.   The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for residential loans due to an increase in past due, non-accrual and classified loans.  The qualitative factor for national, state, regional and local economic trends and business conditions was increased for residential loan categories due to an increase in the unemployment rates in the local economy during 2016.
Commercial real estate– There was a decrease in the historical loss factor for commercial real estate loans when comparing 2015 and 2016. The specific reserve for commercial real estate loans decreased slightly between 2015 and 2016. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for all commercial real estate loans due to an increase in the unemployment rates in the local economy during 2016. The qualitative factors for changes in quality of the institutions loan review system were increased for commercial real estate loans due to the addition of new staff and processes.
Agricultural real estate – There was no change in the historical loss factor for agricultural real estate loans from 2015 to 2016.  The specific reserve for agricultural real estate loans increased from 2015 to 2016. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was increased for agricultural real estate due to an increase in past due, non-accrual and classified loans.  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 agricultural real estate due to the decrease in the price received for product sold and the increase in feed costs that has occurred in 2016, which negatively affected customer earnings. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for agricultural real estate loans due to an increase in the unemployment rates in the local economy during 2016. The qualitative factors for changes in quality of the institutions loan review system were increased for agricultural real estate due to the addition of new staff and processes. The qualitative factors for trends in volume, terms and nature of the loan portfolio were increased for agricultural real estate loans due to growth in these loan categories.
Other commercial - There was an increase in the historical loss factor for other commercial loans when comparing 2015 and 2016. The specific reserve for other commercial loans increased from 2015 to 2016. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was not increased due to the increase being caused by one relationship instead of a larger trend.  The qualitative factor for national, state, regional and local economic trends and business conditions was increased for other commercial loans due to an increase in the unemployment rates in the local economy during 2016. The qualitative factors for changes in quality of the institutions loan review system were increased for other commercial due to the addition of new staff and processes.
Other agricultural - There was no change in the historical loss factor for other agricultural loans from 2015 to 2016.  The specific reserve for other agricultural loans increased from 2015 to 2016. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other agricultural loans due to an increase in past due, non-accrual and classified loans  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 other agricultural loans due to the decrease in the price received for product sold and the increase in feed costs that has occurred in 2016, which negatively affected customer earnings. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for other agricultural loan categories due to an increase in the unemployment rates in the local economy during 2016. The qualitative factors for changes in quality of the institutions loan review system were increased for other agricultural loans due to the addition of new staff and processes. The qualitative factors for trends in volume, terms and nature of the loan portfolio were increased for other agricultural loans due to growth in these loan categories.
Municipal loans - There was no changes in the historical loss factor or specific reserve for municipal loans from 2015 to 2016. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for municipal loans due to an increase in classified loans. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for municipal loans due to an increase in the unemployment rates in the local economy during 2016. The qualitative factors for trends in volume, terms and nature of the loan portfolio were decreased for municipal loans due to this loan segment making up a smaller portion of the Bank's overall loan portfolio as we continue to grow commercial and agricultural loans. The qualitative factors for experience, ability, and depth of lending management was decreased for municipal loans due to employees gaining additional experience and the use of a third party in reviewing loan information.
2015
Residential - There was a decrease in the historical loss factor for residential loans when comparing 2014 and 2015. The specific reserve for residential loans increased slightly between 2014 and 2015.   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 qualitative factor for national, state, regional and local economic trends and business conditions was increased for residential loan categories due to an increase in the unemployment rates in the local economy during 2015 and the reduction in natural gas exploration and extraction activity.
Commercial real estate– There was an increase in the historical loss factor for commercial real estate loans when comparing 2014 and 2015. The specific reserve for commercial real estate loans decreased slightly between 2014 and 2015. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for all commercial real estate loans due to an increase in the unemployment rates in the local economy during 2015 and the reduction in natural gas exploration and extraction activity. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for commercial real estate 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 real estate 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, due to the length of time employees involved throughout the loan process have been in their positions.
Agricultural real estate – There were no changes in the historical loss factor and specifc reserve for agricultural real estate loans from 2014 to 2015. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for all agricultural real estate loans due to an increase in the unemployment rates in the local economy during 2015 and the reduction in natural gas exploration and extraction activity. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for agricultural real estate to the decrease in the amount of loans classified as substandard, excluding loans acquired as part of the FNB acquisition. The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for agricultural real estate, 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 agricultural real estate 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.
Other commercial - There was a decrease in the historical loss factor for other commercial loans when comparing 2014 and 2015. The specific reserve for other commercial loans increased from 2014 to 2015. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for other commercial loans due to an increase in the unemployment rates in the local economy during 2015 and the reduction in natural gas exploration and extraction activity. 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 the amount of loans classified as substandard. The qualitative factor for levels of and trends in charge-offs and recoveries was decreased for other commercial 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 other commercial loans real estate, due to the length of time employees involved throughout the loan process have been in their positions.
Other agricultural - There were no changes in the historical loss factor or specific reserve for other agricultural loans from 2014 to 2015. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for other agricultural real estate loans due to an increase in the unemployment rates in the local economy during 2015 and the reduction in natural gas exploration and extraction activity. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for other agricultural loans to the decrease in the amount of loans classified as substandard, excluding loans acquired as part of the FNB acquisition. The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for 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 other agricultural 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.
Municipal loans - There were no changes in the historical loss factor or specific reserve for municipal loans from 2014 to 2015. The qualitative factor for national, state, regional and local economic trends and business conditions was increased for municipal loans due to an increase in the unemployment rates in the local economy during 2015 and the reduction in natural gas exploration and extraction activity.
2014
Residential - There was a decrease in the historical loss factor for residential loans when comparing 2013 and 2014. The specific reserve for residential loans decreased slightly between 2013 and 2014. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for residential loans due to a decrease in both local and state unemployment rates during 2014.
Commercial real estate– There was an increase in the historical loss factor for commercial real estate loans when comparing 2013 and 2014. The specific reserve for commercial real estate loans decreased between 2013 and 2014. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for commercial real estate loans due to a decrease in both local and state unemployment rates during 2014. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was decreased for commercial real estate loans due to the decrease in the Company's classified loans and a decrease in the amount of loans past due. This was the primary cause of the negative provisions of $63,000 for commercial real estate loans. The qualitative factor for levels of and trends in charge-offs and recoveries was increased for commercial real estate 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 commercial real estate loans due to the length of time employees involved throughout the loan process have been in their positions.
Agricultural real estate – There were no changes in the historical loss factor or specific reserves for agricultural real estate loans from 2013 to 2014. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for agricultural real estate loans due to a decrease in both local and state unemployment rates during 2014. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was decreased for agricultural real estate loans due to the decrease in the Company's classified loans and a decrease in the amount of loans past due. This was the primary cause of the negative provisions of $124,000 for agricultural real estate loans. The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for agricultural real estate 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 decreased for agricultural real estate loans due to the improvement in the agricultural economy as reflected by milk and commodity prices and our customers financial results.
Other commercial - There was an increase in the historical loss factor for other commercial loans when comparing 2013 and 2014. There was no change in the specific reserve for other commercial loans from 2013 to 2014. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for other commercial loans due to a decrease in both local and state unemployment rates during 2014. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial loans due to the increase in the Company's classified loans and loans past due. 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 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 other commercial loans due to the length of time employees involved throughout the loan process have been in their positions.
Other agricultural - There was no change in the historical loss factor or specific reserves for other agricultural loans from 2013 to 2014. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for other agricultural real estate loans due to a decrease in both local and state unemployment rates during 2014. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was decreased for other agricultural real estate loans due to the decrease in the Company's classified loans and a decrease in the amount of loans past due. This was the primary cause of the negative provisions of $39,000 for other agricultural real estate loans. The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for 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 decreased for other agricultural loans due to the improvement in the agricultural economy as reflected by milk and commodity prices and our customers financial results.
Municipal loans - There was no changes in the historical loss factor or specific reserve for municipal loans from 2013 to 2014. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for municipal loans due to a decrease in both local and state unemployment rates during 2014. The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for municipal loans due to the length of time employees involved throughout the loan process have been in their positions.
XML 28 R14.htm IDEA: XBRL DOCUMENT v3.7.0.1
PREMISES & EQUIPMENT
 12 Months Ended
Dec. 31, 2016
PREMISES & EQUIPMENT [Abstract]  
PREMISES & EQUIPMENT
5. PREMISES & EQUIPMENT
Premises and equipment at December 31, 2016 and 2015 are summarized as follows (in thousands):
 
 
December 31,
 
 
 
2016
  
2015
 
Land
 
$
5,110
  
$
5,110
 
Buildings
  
17,315
   
17,349
 
Furniture, fixtures and equipment
  
6,678
   
6,636
 
Construction in process
  
5
   
88
 
 
  
29,108
   
29,183
 
Less: accumulated depreciation
  
12,078
   
11,920
 
Premises and equipment, net
 
$
17,030
  
$
17,263
 
Depreciation expense amounted to $763,000, $608,000 and $537,000 for 2016, 2015 and 2014, respectively.
XML 29 R15.htm IDEA: XBRL DOCUMENT v3.7.0.1
GOODWILL AND OTHER INTANGIBLE ASSETS
 12 Months Ended
Dec. 31, 2016
GOODWILL AND OTHER INTANGIBLE ASSETS [Abstract]  
GOODWILL AND OTHER INTANGIBLE ASSETS
6. GOODWILL AND OTHER INTANGIBLE ASSETS
The following table provides the gross carrying value and accumulated amortization of intangible assets as of December 31, 2016 and 2015 (in thousands):
 
 
December 31, 2016
  
December 31, 2015
 
 
 
Gross
carrying
value
  
Accumulated amortization
  
Net carrying
value
  
Gross
carrying
value
  
Accumulated
amortization
  
Net
carrying
value
 
Amortized intangible assets (1):
                  
MSRs
 
$
1,471
  
$
(787
)
 
$
684
  
$
1,336
  
$
(638
)
 
$
698
 
Core deposit intangibles
  
1,641
   
(320
)
  
1,321
   
1,641
   
(25
)
  
1,616
 
Covenant not to compete
  
125
   
(34
)
  
91
   
125
   
(2
)
  
123
 
Total amortized intangible assets
 
$
3,237
  
$
(1,141
)
 
$
2,096
  
$
3,102
  
$
(665
)
 
$
2,437
 
Unamortized intangible assets:
                        
Goodwill
 
$
21,089
          
$
21,089
         
(1) Excludes fully amortized intangible assets
                        
The following table provides the current year and estimated future amortization expense for the next five years of amortized intangible assets (in thousands). We based our projections of amortization expense shown below on existing asset balances at December 31, 2016. Future amortization expense may vary from these projections:

 
 
MSRs
  
Core deposit intangibles
  
Covenant not to compete
  
Total
 
Year ended December 31, 2016 (actual)
 
$
173
  
$
295
  
$
32
  
$
500
 
Estimate for year ended December 31,
                
2017
  
177
   
266
   
31
   
474
 
2018
  
143
   
236
   
30
   
409
 
2019
  
113
   
206
   
30
   
349
 
2020
  
87
   
177
   
-
   
264
 
2021
  
64
   
147
   
-
   
211
 
XML 30 R16.htm IDEA: XBRL DOCUMENT v3.7.0.1
FEDERAL HOME LOAN BANK (FHLB) STOCK
 12 Months Ended
Dec. 31, 2016
FEDERAL HOME LOAN BANK (FHLB) STOCK [Abstract]  
FEDERAL HOME LOAN BANK (FHLB) STOCK
7. FEDERAL HOME LOAN BANK (FHLB) 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 December 31, 2016 and 2015, the Bank held $4,542,000 and $2,800,000, respectively, of FHLB stock. 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.
XML 31 R17.htm IDEA: XBRL DOCUMENT v3.7.0.1
DEPOSITS
 12 Months Ended
Dec. 31, 2016
DEPOSITS [Abstract]  
DEPOSITS
8. DEPOSITS
The following table shows the breakdown of deposits as of December 31, 2016 and 2015, by deposit type (in thousands):
 
 
 
2016
  
2015
 
Non-interest-bearing deposits
 
$
147,425
  
$
150,960
 
NOW accounts
  
305,862
   
279,655
 
Savings deposits
  
170,722
   
170,277
 
Money market deposit accounts
  
116,880
   
105,229
 
Certificates of deposit
  
264,614
   
281,910
 
Total
 
$
1,005,503
  
$
988,031
 
Certificates of deposit of $250,000 or more amounted to $56,743,000 and $51,818,000 at December 31, 2016 and 2015, respectively.
Following are maturities of certificates of deposit as of December 31, 2016 (in thousands):
2017
 
$
128,641
 
2018
  
47,673
 
2019
  
35,722
 
2020
  
25,036
 
2021
  
22,587
 
Thereafter
  
4,955
 
Total certificates of deposit
 
$
264,614
 
XML 32 R18.htm IDEA: XBRL DOCUMENT v3.7.0.1
BORROWED FUNDS AND REPURCHASE AGREEMENTS
 12 Months Ended
Dec. 31, 2016
BORROWED FUNDS AND REPURCHASE AGREEMENTS [Abstract]  
BORROWED FUNDS AND REPURCHASE AGREEMENTS
9. BORROWED FUNDS AND REPURCHASE AGREEMENTS
The following table shows the breakdown of borrowed funds as of December 31, 2016 and 2015, (dollars in thousands):
 
 
Securities
                   
 
 
Sold Under
                 
Total
 
 
 
Agreements to
  
FHLB
  
Federal Funds
  
FRB
  
Notes
  
Term
  
Borrowed
 
 
 
Repurchase(a)
  
Advances(b)
  
Line (c)
  
BIC Line (d)
  
Payable(e)
  
Loans(f)
  
Funds
 
2016
                     
Balance at December 31
 
$
14,307
  
$
41,330
  
$
-
  
$
-
  
$
7,500
  
$
16,525
  
$
79,662
 
Highest balance at any month-end
  
16,132
   
45,125
   
-
   
-
   
7,500
   
16,525
   
85,282
 
Average balance
  
15,057
   
7,917
   
2
   
3
   
7,500
   
16,525
   
47,004
 
Weighted average interest rate:
                            
    Paid during the year
  
0.49
%
  
0.63
%
  
0.76
%
  
1.00
%
  
3.55
%
  
2.44
%
  
1.69
%
    As of year-end
  
0.67
%
  
0.74
%
  
0.00
%
  
0.00
%
  
3.79
%
  
2.44
%
  
1.36
%
2015
                            
Balance at December 31
 
$
16,008
  
$
1,598
  
$
-
  
$
-
  
$
7,500
  
$
16,525
  
$
41,631
 
Highest balance at any month-end
  
16,008
   
26,996
   
-
   
-
   
7,500
   
20,569
   
71,073
 
Average balance
  
5,998
   
5,218
   
-
   
-
   
7,500
   
17,984
   
36,700
 
Weighted average interest rate:
                            
    Paid during the year
  
0.82
%
  
0.35
%
  
0.00
%
  
0.77
%
  
3.14
%
  
2.25
%
  
1.93
%
    As of year-end
  
0.45
%
  
0.43
%
  
0.00
%
  
0.00
%
  
3.33
%
  
2.40
%
  
1.74
%

(a)    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 collateral pledged on the repurchase agreements by the remaining contractual maturity of the repurchase agreements in the Consolidated Balance Sheets as of December 31, 2016 and December 31, 2015 is presented in the following tables.

  
Remaining Contractual Maturity of the Agreements
 
  
Overnight and
  
Up to
     
Greater than
    
2016
 
Continuous
  
30 Days
  
30 - 90 Days
  
90 days
  
Total
 
Repurchase Agreements:
               
U.S. agency securities
 
$
16,118
  
$
-
  
$
-
  
$
2,059
  
$
18,177
 
Total carrying value of collateral pledged
 
$
16,118
  
$
-
  
$
-
  
$
2,059
  
$
18,177
 
                     
Total liability recognized for repurchase agreements
                 
$
14,307
 
                     
2015
                    
Repurchase Agreements:
                    
U.S. agency securities
 
$
18,144
  
$
-
  
$
-
  
$
2,049
  
$
20,193
 
Total carrying value of collateral pledged
 
$
18,144
  
$
-
  
$
-
  
$
2,049
  
$
20,193
 
                     
Total liability recognized for repurchase agreements
                 
$
16,008
 
(b)    FHLB Advances consist of an "Open RepoPlus" agreement with the FHLB of Pittsburgh. FHLB "Open RepoPlus" advances are short-term borrowings that bear interest based on the FHLB discount rate or Federal Funds rate, whichever is higher.  The Company has a borrowing limit of $343,209,000, inclusive of any outstanding advances. FHLB advances are secured by a blanket security agreement that includes the Company's FHLB stock, as well as certain investment and mortgage-backed securities held in safekeeping at the FHLB and certain residential and commercial mortgage loans.
(c)    The federal funds line consists of an unsecured line from a third party bank at market rates.  The Company has a borrowing limit of $10,000,000, inclusive of any outstanding balances.  No specific collateral is required to be pledged for these borrowings.
(d)    The Federal Reserve Bank Borrower in Custody (FRB BIC) Line consists of a borrower in custody in agreement open in January 2010 with the Federal Reserve Bank of Philadelphia secured by municipal loans maintained in the Company's possession.  As of December 31, 2016 and 2015, the Company has a borrowing limit of $4,360,000 and $7,949,000, respectively, inclusive of any outstanding advances. The approximate carrying value of the municipal loan collateral was $15,560,000 and $16,146,000 as of December 31, 2016 and 2015, respectively.
(e)    In December 2003, the Company formed a special purpose entity ("Entity") to issue $7,500,000 of floating rate obligated mandatory redeemable trust preferred securities as part of a pooled offering.  The rate was determined quarterly and floated based on the 3 month LIBOR plus 2.80.   The Entity may redeem them, in whole or in part, at face value after December 17, 2008, and on a quarterly basis thereafter.  The Company borrowed the proceeds of the issuance from the Entity in December 2003 in the form of a $7,500,000 note payable.  Debt issue costs of $75,000 have been capitalized and fully amortized as of December 31, 2008.  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.
(f)    Term Loans consist of separate loans with the FHLB of Pittsburgh as follows (in thousands):
   
  
 
December 31,
  
December 31,
 
Interest Rate
  
Maturity
 
2016
  
2015
 
Fixed:
  
 
      
 
2.29
%
 
October 2, 2017
  
2,000
   
2,000
 
 
2.72
%
 
July 12, 2018
  
1,000
   
1,000
 
 
1.87
%
 
February 4, 2019
  
2,000
   
2,000
 
 
2.61
%
 
February 3, 2021
  
2,000
   
2,000
 
 
3.52
%
 
July 12, 2021
  
2,000
   
2,000
 
 
2.37
%
 
August 20, 2021
  
2,800
   
2,800
 
 
2.08
%
 
January 6, 2022
  
4,725
   
4,725
 
Total term loans
 
$
16,525
  
$
16,525
 
Following are maturities of borrowed funds as of December 31, 2016 (in thousands):
2017
 
$
64,033
 
2018
  
1,000
 
2019
  
2,000
 
2020
  
570
 
2021
  
7,334
 
Thereafter
  
4,725
 
Total borrowed funds
 
$
79,662
 
XML 33 R19.htm IDEA: XBRL DOCUMENT v3.7.0.1
EMPLOYEE BENEFIT PLANS
 12 Months Ended
Dec. 31, 2016
EMPLOYEE BENEFIT PLANS [Abstract]  
EMPLOYEE BENEFIT PLANS
10. EMPLOYEE BENEFIT PLANS
Noncontributory Defined Benefit Pension Plan
The Bank sponsors a trusteed, noncontributory defined benefit pension plan covering substantially all employees and officers hired prior to January 1, 2007. Additionally, the Bank assumed the noncontributory defined benefit pension plan of FNB when it was acquired during 2015. The FNB plan was frozen prior to the acquisition and therefore, no additional benefits will accrue for employees covered under that plan. These two plans are collectively referred to herein as "the Plans".  The pension plans call for benefits to be paid to eligible employees at retirement based primarily upon years of service with the Bank 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 Bank's funding policy is to make annual contributions, if needed, based upon the funding formula developed by the pension plans' actuary. For the years ended December 31, 2016, 2015 and 2014, contributions to the pension plans totaled $818,000, $400,000 and $300,000, respectively.
In lieu of the pension plan, employees with a hire date of January 1, 2007 or later are eligible to receive, after meeting 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 is placed in a separate account within the 401(k) plan and is subject to a vesting requirement. Contributions by the Company totaled $82,000, $61,000 and $46,000 for 2016, 2015 and 2014, respectively.
The following table sets forth the obligation and funded status as of December 31 (in thousands):
 
 
2016
  
2015
 
       
Change in benefit obligation
      
Benefit obligation at beginning of year
 
$
17,809
  
$
11,777
 
Benefit obligation acquired as part of FNB acquisition
  
-
   
6,377
 
Service cost
  
345
   
352
 
Interest cost
  
692
   
424
 
Actuarial (Gain) / Loss
  
439
   
(456
)
Benefits paid
  
(682
)
  
(665
)
Benefit obligation at end of year
  
18,603
   
17,809
 
         
Change in plan assets
        
Fair value of plan assets at beginning of year
  
14,786
   
11,039
 
Fair value of plan assets at acquisition
  
-
   
4,053
 
Actual return (loss) on plan assets
  
864
   
(41
)
Employer contribution
  
818
   
400
 
Benefits paid
  
(682
)
  
(665
)
Fair value of plan assets at end of year
  
15,786
   
14,786
 
         
Funded status
 
$
(2,817
)
 
$
(3,023
)
Amounts not yet recognized as a component of net periodic pension cost as of December 31 (in thousands):

Amounts recognized in accumulated other
      
comprehensive loss consists of:
 
2016
  
2015
 
Net loss
 
$
4,263
  
$
3,919
 
Prior service cost
  
(175
)
  
(222
)
Total
 
$
4,088
  
$
3,697
 
The accumulated benefit obligation for the defined benefit pension plan was $18,603,000 and $17,809,000 at December 31, 2016 and 2015, respectively.
The components of net periodic benefit costs for the years ended December 31 are as follows (in thousands):
 
 
2016
  
2015
  
2014
 
          
Service cost
 
$
345
  
$
352
  
$
307
 
Interest cost
  
692
   
424
   
415
 
Return on plan assets
  
(1,034
)
  
(791
)
  
(786
)
Net amortization and deferral
  
219
   
205
   
51
 
Net periodic benefit cost
 
$
222
  
$
190
  
$
(13
)
The estimated net loss and prior service cost that will be amortized from accumulated other comprehensive loss into the net periodic benefit cost in 2017 is $286,000 and $(47,000), respectively.
The weighted-average assumptions used to determine benefit obligations at December 31, 2016 and 2015 is summarized in the following table. The change in the discount rate is the primary driver of the actuarial loss that occurred in 2016 of $439,000.
 
 
 
2016
 
2015
Discount rate
 
3.78%
 
3.94%
Rate of compensation increase
 
3.00%
 
3.00%
The weighted-average assumptions used to determine net periodic benefit cost (income) for the year ended December 31:
 
 
 
2016
 
2015
 
          2014
Discount rate
 
3.94%
 
3.61%
 
4.30%
Expected long-term return on plan assets
 
7.00%
 
7.00%
 
7.50%
Rate of compensation increase
 
3.00%
 
3.00%
 
3.00%
The long-term rate of return on plan assets gives consideration to returns currently being earned on plan assets as well as future rates expected to be earned.  The investment objective is to maximize total return consistent with the interests of the participants and beneficiaries, and prudent investment management.  The allocation of the pension plan assets is determined on the basis of sound economic principles and is continually reviewed in light of changes in market conditions.  Asset allocation favors equity securities, with a target allocation of 50-70%.  The target allocation for debt securities is 30-50%.  At December 31, 2016, the pension plan had a sufficient cash and money market position in order to re-allocate the equity portfolio for diversification purposes and reduce risk in the total portfolio.  The following table sets forth by level, within the fair value hierarchy as defined in footnote 17, the Plan's assets at fair value as of December 31, 2016 and 2015 (in thousands):
2016
 
Level I
  
Level II
  
Level III
  
Total
  
Allocation
 
Assets
               
     Cash and cash equivalents
 
$
863
  
$
-
  
$
-
  
$
863
   
5.5
%
     Equity securities
  
5,404
   
-
   
-
   
5,404
   
34.1
%
     Mutual funds and ETF's
  
5,235
   
-
   
-
   
5,235
   
33.2
%
     Corporate bonds
  
-
   
3,641
   
-
   
3,641
   
23.1
%
     Municipal bonds
      
107
       
107
   
0.7
%
     U.S. Agency securities
  
-
   
536
   
-
   
536
   
3.4
%
     Total
 
$
11,502
  
$
4,284
  
$
-
  
$
15,786
   
100.0
%

2015
 
Level I
  
Level II
  
Level III
  
Total
  
Allocation
 
Assets
               
     Cash and cash equivalents
 
$
1,704
  
$
-
  
$
-
  
$
1,704
   
11.5
%
     Equity securities
  
3,821
   
-
   
-
   
3,821
   
25.8
%
     Mutual funds and ETF's
  
6,085
   
-
   
-
   
6,085
   
41.3
%
     Corporate bonds
  
-
   
3,019
   
-
   
3,019
   
20.4
%
     Municipal bonds
      
107
       
107
   
0.7
%
     U.S. Agency securities
  
-
   
50
   
-
   
50
   
0.3
%
     Total
 
$
11,610
  
$
3,176
  
$
-
  
$
14,786
   
100.0
%
Equity securities include the Company's common stock in the amounts of $548,000 (3.5% of total plan assets) and $502,000 (3.4% of total plan assets) at December 31, 2016 and 2015, respectively.
The Bank expects to contribute $520,000 to its pension plans in 2017.  Expected future benefit payments that the Bank estimates from its pension plan are as follows (in thousands):
2017
 
$
733
 
2018
  
591
 
2019
  
1,820
 
2020
  
1,549
 
2021
  
1,403
 
2022 - 2026
  
7,407
 
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 $351,000, $285,000 and $267,000 for 2016, 2015 and 2014, 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 deferred compensation plan earn interest based upon the highest current rate offered to certificate of deposit customers.  Amounts deferred under the deferred compensation plan are not guaranteed and represent a general liability of the Company.  As of December 31, 2016 and 2015, an obligation of $940,000 and $958,000, respectively, was included in other liabilities for this plan in the Consolidated Balance Sheet. Amounts included in interest expense on the deferred amounts totaled $15,000, $22,000 and $20,000 for the years ended December 31, 2016, 2015 and 2014, 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 maybe subject to certain vesting requirements including in the case of employees, continuous employment or service with the Company.  In April of 2016, the Company's shareholders authorized a total of 150,000 shares of the Company's common stock to be made available under the Plan. As of December 31, 2016, 145,890 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 2016:
 
 
2016
 
 
    
Weighted
 
 
    
Average
 
 
 
Shares
  
Market Price
 
Outstanding, beginning of year
  
8,269
  
$
49.98
 
Granted
  
4,110
   
48.13
 
Forfeited
  
(90
)
  
49.26
 
Increase due to stock dividends
  
-
   
-
 
Vested
  
(3,818
)
  
49.95
 
Outstanding, end of year
  
8,471
  
$
49.10
 
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 $193,000, $172,000 and $157,000 for the years ended December 31, 2016, 2015 and 2014, respectively. The per share weighted-average grant-date fair value of restricted shares granted during 2016, 2015 and 2014 was $48.13, $49.02 and $52.82, respectively.  At December 31, 2016, the total compensation cost related to nonvested awards that has not yet been recognized was $416,000, which is expected to be recognized over the next 3 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 December 31, 2016 and 2015, an obligation of $1,460,000 and   $1,339,000, respectively, was included in other liabilities for the SERP in the Consolidated Balance Sheet.  Expenses related to the SERP totaled $121,000, $141,000 and $152,000 for the years ended December 31, 2016, 2015 and 2014.
Salary Continuation Plan
The Company maintains a salary continuation plan for certain employees acquired through the acquisition of the FNB.  At December 31, 2016 and 2015 an obligation of $720,000 and $710,000, respectively, was included in other liabilities for this plan in the Consolidated Balance Sheet.  Expenses related to the salary continuation plan totaled $62,000 for the year ended December 31, 2016. There were no expenses related to this plan during the years ended December 31, 2015 and 2014.
Continuation of Life Insurance Plan
The Company, as part of the acquisition of FNB, has promised a continuation of life insurance coverage to certain persons post-retirement. GAAP requires the recording of post-retirement costs and a liability equal to the present value of the cost of post-retirement insurance during the person's term of service. The estimated present value of future benefits to be paid totaled $569,000 and $574,000 at December 31, 2016 and 2015, respectively, which is included in other liabilities in the Consolidated Balance Sheet. There were no expenses related to this plan during the years ended December 31, 2016, 2015 and 2014.
XML 34 R20.htm IDEA: XBRL DOCUMENT v3.7.0.1
INCOME TAXES
 12 Months Ended
Dec. 31, 2016
INCOME TAXES [Abstract]  
INCOME TAXES
11. INCOME TAXES
The provision for income taxes consists of the following (in thousands):
 
 
Year Ended December 31,
 
 
 
2016
  
2015
  
2014
 
Currently payable
 
$
2,672
  
$
2,913
  
$
3,081
 
Deferred tax liability (asset)
  
362
   
(192
)
  
478
 
Provision for income taxes
 
$
3,034
  
$
2,721
  
$
3,559
 
The following temporary differences gave rise to the net deferred tax asset and liabilities at December 31, 2016 and 2015, respectively (in thousands):
 
 
2016
  
2015
 
Deferred tax assets:
      
    Allowance for loan losses
 
$
4,518
  
$
4,238
 
    Deferred compensation
  
757
   
772
 
    Merger & acquisition costs
  
16
   
20
 
    Allowance for losses on available-for-sale securities
  
250
   
436
 
    Pension and other retirement obligation
  
1,454
   
1,483
 
    Interest on non-accrual loans
  
1,259
   
1,001
 
    Incentive plan accruals
  
421
   
362
 
    Other real estate owned
  
152
   
136
 
    Low income housing tax credits
  
94
   
63
 
    NOL carry forward
  
709
   
950
 
    AMT Credit Carryforward
  
8
   
152
 
    Other
  
156
   
157
 
          Total
 
$
9,794
  
$
9,770
 
 
        
Deferred tax liabilities:
        
    Premises and equipment
 
$
(998
)
 
$
(919
)
    Investment securities accretion
  
(189
)
  
(177
)
    Loan fees and costs
  
(369
)
  
(154
)
    Goodwill and core deposit intangibles
  
(3,573
)
  
(3,594
)
    Mortgage servicing rights
  
(233
)
  
(238
)
    Unrealized gains on available-for-sale securities
  
(673
)
  
(1,135
)
    Other
  
(17
)
  
(44
)
           Total
  
(6,052
)
  
(6,261
)
Deferred tax asset, net
 
$
3,742
  
$
3,509
 
No valuation allowance was established at December 31, 2016 and 2015, due to the Company's ability to carryback to taxes paid in previous years and certain tax strategies, coupled with the anticipated future taxable income as evidenced by the Company's earnings potential.
The total provision for income taxes is different from that computed at the statutory rates due to the following items (in thousands):
 
 
Year Ended December 31,
 
 
 
2016
  
2015
  
2014
 
Provision at statutory rates on
         
  pre-tax income
 
$
5,328
  
$
4,878
  
$
5,761
 
Effect of tax-exempt income
  
(1,943
)
  
(1,915
)
  
(1,865
)
Low income housing tax credits
  
(198
)
  
(198
)
  
(198
)
Bank owned life insurance
  
(234
)
  
(214
)
  
(172
)
Nondeductible interest
  
55
   
61
   
60
 
Nondeductible merger and acquisition expenses
  
-
   
102
   
-
 
Other items
  
26
   
7
   
(27
)
Provision for income taxes
 
$
3,034
  
$
2,721
  
$
3,559
 
Statutory tax rates
  
34
%
  
34
%
  
34
%
Effective tax rates
  
19.4
%
  
19.0
%
  
21.0
%
The Company prescribes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than 50 percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. There is currently no liability for uncertain tax positions and no known unrecognized tax benefits. With limited exception, the Company's federal and state income tax returns for taxable years through 2012 have been closed for purposes of examination by the federal and state taxing authorities.
Investments in Qualified Affordable Housing Projects
As of December 31, 2016 and 2015, 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 $700,000 and $959,000 as of December 31, 2016 and 2015, respectively. Investments purchased prior to January 1, 2015, are accounted for utilizing the effective yield method. As of December 31, 2016, the Company has $846,000 of tax credits remaining that will be recognized over six years. Tax credits of $198,000 were recognized as a reduction of tax expense during 2016 and 2015. Included within other expenses on the Consolidated Statement of Income was $259,000 of amortization of the investments in qualified affordable housing projects for 2016 and 2015.
XML 35 R21.htm IDEA: XBRL DOCUMENT v3.7.0.1
OTHER COMPREHENSIVE INCOME
 12 Months Ended
Dec. 31, 2016
OTHER COMPREHENSIVE INCOME [Abstract]  
OTHER COMPREHENSIVE INCOME
12. OTHER COMPREHENSIVE INCOME
The components of accumulated other comprehensive loss, net of tax, as of December 31, were as follows (in thousands):
 
 
2016
  
2015
 
Net unrealized gain on securities available for sale
 
$
1,979
  
$
3,339
 
Tax effect
  
673
   
1,135
 
Net -of-tax amount
  
1,306
   
2,204
 
         
Unrecognized pension costs
  
(4,088
)
  
(3,697
)
Tax effect
  
(1,390
)
  
(1,257
)
Net -of-tax amount
  
(2,698
)
  
(2,440
)
         
Total accumulated other comprehensive loss
 
$
(1,392
)
 
$
(236
)

The following tables present the changes in accumulated other comprehensive loss by component net of tax for the years ended December 31, 2016, 2015 and 2014 (in thousands):
  
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)
  
3,608
   
(1,243
)
  
2,365
 
Amounts reclassified from accumulated other
            
     comprehensive income (loss) (net of tax)
  
(407
)
  
34
   
(373
)
Net current period other comprehensive income (loss)
  
3,201
   
(1,209
)
  
1,992
 
Balance as of December 31, 2014
 
$
3,093
  
$
(2,326
)
 
$
767
 
             
Balance as of December 31, 2014
 
$
3,093
  
$
(2,326
)
 
$
767
 
Other comprehensive loss before reclassifications (net of tax)
  
(606
)
  
(249
)
  
(855
)
Amounts reclassified from accumulated other
            
     comprehensive income (loss) (net of tax)
  
(283
)
  
135
   
(148
)
Net current period other comprehensive loss
  
(889
)
  
(114
)
  
(1,003
)
Balance as of December 31, 2015
 
$
2,204
  
$
(2,440
)
 
$
(236
)
             
Balance as of December 31, 2015
 
$
2,204
  
$
(2,440
)
 
$
(236
)
Other comprehensive loss before reclassifications (net of tax)
  
(730
)
  
(403
)
  
(1,133
)
Amounts reclassified from accumulated other
            
     comprehensive loss (net of tax)
  
(168
)
  
145
   
(23
)
Net current period other comprehensive loss
  
(898
)
  
(258
)
  
(1,156
)
Balance as of December 31, 2016
 
$
1,306
  
$
(2,698
)
 
$
(1,392
)
             
(a) Amounts in parentheses indicate debits on the consolidated balance sheet.
         
The following table presents the significant amounts reclassified out of each component of accumulated other comprehensive loss for the years ended December 31, 2016, 2015 and 2014:
Details about accumulated other comprehensive loss
 
Amount reclassified from accumulated comprehensive loss (a)
 
Affected line item in the Consolidated Statement of Income
  
December 31,
  
  
2016
  
2015
  
2014
  
Unrealized gains and losses on available for sale securities
             
  
$
255
  
$
429
  
$
616
 
Investment securities gains, net
   
(87
)
  
(146
)
  
(209
)
Provision for income taxes
  
$
168
  
$
283
  
$
407
 
Net of tax
                  
Defined benefit pension items
                
  
$
(219
)
 
$
(205
)
 
$
(51
)
Salaries and employee benefits
   
74
   
70
   
17
 
Provision for income taxes
  
$
(145
)
 
$
(135
)
 
$
(34
)
Net of tax
Total reclassifications
 
$
23
  
$
148
  
$
373
  
                  
(a) Amounts in parentheses indicate debits.
       
XML 36 R22.htm IDEA: XBRL DOCUMENT v3.7.0.1
RELATED PARTY TRANSACTIONS
 12 Months Ended
Dec. 31, 2016
RELATED PARTY TRANSACTIONS [Abstract]  
RELATED PARTY TRANSACTIONS
13. RELATED PARTY TRANSACTIONS
Certain executive officers and directors of the Company, or companies in which they have 10 percent or more beneficial ownership, were indebted to the Bank.  Such loans were made in the ordinary course of business at the Bank's normal credit terms and do not present more than a normal risk of collection.  A summary of loan activity for the years ended December 31, 2016 and 2015 with officers, directors, stockholders and associates of such persons is listed below (in thousands):
  
Year Ended December 31,
 
 
 
2016
  
2015
 
Balance, beginning of year
 
$
5,343
  
$
4,314
 
  New loans
  
4,512
   
5,828
 
  Repayments
  
(4,285
)
  
(4,799
)
Balance, end of year
 
$
5,570
  
$
5,343
 
XML 37 R23.htm IDEA: XBRL DOCUMENT v3.7.0.1
REGULATORY MATTERS
 12 Months Ended
Dec. 31, 2016
REGULATORY MATTERS [Abstract]  
REGULATORY MATTERS
14. REGULATORY MATTERS
Dividend Restrictions:
The approval of the Federal Reserve Board is required for a bank to pay dividends up to the Company if the total of all dividends declared in any calendar year exceeds the Bank's net income (as defined) for that year combined with its retained net income for the preceding two calendar years. Under this formula, the Bank can declare dividends in 2017 without approval of the FRB or PDB of approximately $13,925,000, plus the Bank's 2017 year-to-date net income at the time of the dividend declaration.
Loans:
The Bank is subject to regulatory restrictions which limit its ability to loan funds to the Company.  At December 31, 2016, the Bank's regulatory lending limit amounted to approximately $17,631,000.
Regulatory Capital Requirements:
Federal regulations require the Company and the Bank to maintain minimum amounts of capital. Specifically, each is required to maintain certain minimum dollar amounts and ratios of Total, Tier I and Common Equity Tier I capital to risk-weighted assets and of Tier I capital to average total assets.
In addition to the capital requirements, the Federal Deposit Insurance Corporation Improvement Act (FDICIA) established five capital categories ranging from "well capitalized" to "critically under-capitalized." Should any institution fail to meet the requirements to be considered "adequately capitalized", it would become subject to a series of increasingly restrictive regulatory actions.
As of December 31, 2016 and 2015, the FRB categorized the Company and the Bank as well capitalized, under the regulatory framework for prompt corrective action.  To be categorized as a well capitalized financial institution, Total risk-based, Tier I risk-based, Common Equity Tier I risk based and Tier I leverage capital ratios must be at least 10%, 8%, 6.5% and 5%, respectively.
The Company and Bank's computed risk‑based capital ratios are as follows as of December 31, 2016 and 2015 (dollars in thousands):
 
 
 
Actual
  
For Capital Adequacy
Purposes
  
To Be Well Capitalized
Under Prompt Corrective
Action Provisions
 
2016
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
Total Capital (to Risk Weighted Assets):
 
Company
 
$
121,717
   
14.93
%
 
$
65,217
   
8.00
%
 
$
81,522
   
10.00
%
  Bank
 
$
117,537
   
14.46
%
 
$
65,020
   
8.00
%
 
$
81,275
   
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
 
Company
 
$
112,599
   
13.81
%
 
$
48,913
   
6.00
%
 
$
65,217
   
8.00
%
  Bank
 
$
108,419
   
13.34
%
 
$
48,765
   
6.00
%
 
$
65,020
   
8.00
%
Common Equity Tier 1 Capital (to Risk Weighted Assets):
 
Company
 
$
105,099
   
12.89
%
 
$
36,685
   
4.50
%
 
$
52,989
   
6.50
%
  Bank
 
$
108,419
   
13.34
%
 
$
36,574
   
4.50
%
 
$
52,829
   
6.50
%
Tier 1 Capital (to Average Assets):
 
Company
 
$
112,599
   
9.46
%
 
$
47,586
   
4.00
%
 
$
59,483
   
5.00
%
  Bank
 
$
108,419
   
9.13
%
 
$
39,006
   
4.00
%
 
$
48,757
   
5.00
%
 
                        
2015
                        
Total Capital (to Risk Weighted Assets):
 
Company
 
$
114,886
   
16.23
%
 
$
56,630
   
8.00
%
 
$
70,787
   
10.00
%
  Bank
 
$
108,232
   
15.34
%
 
$
56,443
   
8.00
%
 
$
70,554
   
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
 
Company
 
$
107,612
   
15.20
%
 
$
42,472
   
6.00
%
 
$
56,630
   
8.00
%
  Bank
 
$
100,958
   
14.31
%
 
$
42,332
   
6.00
%
 
$
56,443
   
8.00
%
Common Equity Tier 1 Capital (to Risk Weighted Assets):
 
Company
 
$
100,112
   
14.14
%
 
$
31,854
   
4.50
%
 
$
46,012
   
6.50
%
  Bank
 
$
100,958
   
14.31
%
 
$
31,749
   
4.50
%
 
$
45,860
   
6.50
%
Tier 1 Capital (to Average Assets):
 
Company
 
$
107,612
   
11.01
%
 
$
39,083
   
4.00
%
 
$
48,854
   
5.00
%
  Bank
 
$
100,958
   
10.35
%
 
$
39,006
   
4.00
%
 
$
48,757
   
5.00
%
This annual report has not been reviewed, or confirmed for accuracy or relevance, by the Federal Deposit Insurance Corporation.
XML 38 R24.htm IDEA: XBRL DOCUMENT v3.7.0.1
COMMITMENTS AND CONTINGENT LIABILITIES
 12 Months Ended
Dec. 31, 2016
COMMITMENTS AND CONTINGENT LIABILITIES [Abstract]  
COMMITMENTS AND CONTINGENT LIABILITIES
15. COMMITMENTS AND CONTINGENT LIABILITIES
The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. These instruments involve, to varying degrees, elements of credit and interest rate or liquidity risk in excess of the amount recognized in the consolidated balance sheet.
Credit Extension Commitments
The Company's exposure to credit loss from nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contractual amount of these instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. Financial instruments, whose contract amounts represent credit risk at December 31, 2016 and 2015, are as follows (in thousands):
 
 
 
2016
  
2015
 
Commitments to extend credit
 
$
206,505
  
$
143,134
 
Standby letters of credit
  
14,955
   
13,751
 
 
 
$
221,460
  
$
156,885
 
Commitments to extend credit are legally binding agreements to lend to customers. Commitments generally have fixed expiration dates or other termination clauses and may require payment of fees. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future liquidity requirements. The Company evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained if deemed necessary by the Company on extension of credit is based on management's credit assessment of the counter party.
Standby letters of credit are conditional commitments issued by the Company to guarantee a financial agreement between a customer and a third party.  Performance letters of credit represent conditional commitments issued by the Bank to guarantee the performance of a customer to a third party.  These instruments are issued primarily to support bid or performance related contracts.  The coverage period for these instruments is typically a one-year period with an annual renewal option subject to prior approval by management.  Fees earned from the issuance of these letters are recognized during the coverage period.  For secured letters of credit, the collateral is typically Bank deposit instruments or customer business assets.
The Company also offers limited overdraft protection as a non-contractual courtesy which is available to demand deposit accounts in good standing for business, personal or household use.  The non-contractual amount of financial instruments with off-balance sheet risk at December 31, 2016 was $9,124,000.  The Company reserves the right to discontinue this service without prior notice.
Litigation Matters
The Company is subject to lawsuits and claims arising out of its business. There are no legal proceedings or claims currently pending or threatened other than those encountered during the normal course of business, which include various foreclosure proceedings. As a result of these proceedings, it is not unusual for customers to countersue the Bank, which are vigorously challenged by the Bank.
XML 39 R25.htm IDEA: XBRL DOCUMENT v3.7.0.1
OPERATING LEASES
 12 Months Ended
Dec. 31, 2016
OPERATING LEASES [Abstract]  
OPERATING LEASES
16. OPERATING LEASES
The following schedule shows future minimum rental payments under operating leases with noncancellable terms in excess of one year as of December 31, 2016 (in thousands):
2017
 
$
251
 
2018
  
253
 
2019
  
259
 
2020
  
152
 
2021
  
104
 
Thereafter
  
241
 
Total
 
$
1,260
 
The Company's operating lease obligations represent short and long-term lease and rental payments for facilities. Total rental expense for all operating leases for the years ended December 31, 2016, 2015 and 2014 were $289,000, $175,000 and $171,000, respectively.
XML 40 R26.htm IDEA: XBRL DOCUMENT v3.7.0.1
FAIR VALUE OF FINANCIAL INSTRUMENTS
 12 Months Ended
Dec. 31, 2016
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]  
FAIR VALUE OF FINANCIAL INSTRUMENTS
17. FAIR VALUE OF FINANCIAL INSTRUMENTS
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. In cases where significant credit valuation adjustments are incorporated into the estimation of fair value, reported amounts are classified as Level III inputs.
The following tables present the assets reported on the consolidated balance sheet at their fair value on a recurring basis as of December 31, 2016 and 2015 (in thousands) by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.
2016 
 
Level I
  
Level II
  
Level III
  
Total
 
Fair value measurements on a recurring basis:
            
Securities available for sale:
            
     U.S. Agency securities
 
$
-
  
$
170,414
  
$
-
  
$
170,414
 
     U.S. Treasuries securities
  
3,000
   
-
   
-
   
3,000
 
     Obligations of state and
                
       political subdivisions
  
-
   
96,926
   
-
   
96,926
 
     Corporate obligations
  
-
   
3,050
   
-
   
3,050
 
     Mortgage-backed securities in
                
       government sponsored entities
  
-
   
37,728
   
-
   
37,728
 
     Equity securities in financial institutions
  
2,899
   
-
   
-
   
2,899
 

 2015
 
Level I
  
Level II
  
Level III
  
Total
 
Fair value measurements on a recurring basis:
            
Securities available for sale:
            
     U.S. Agency securities
 
$
-
  
$
199,591
  
$
-
  
$
199,591
 
     U.S. Treasuries securities
  
10,082
   
-
   
-
   
10,082
 
     Obligations of state and
                
       political subdivisions
  
-
   
102,863
   
-
   
102,863
 
     Corporate obligations
  
-
   
14,565
   
-
   
14,565
 
     Mortgage-backed securities in
                
       government sponsored entities
  
-
   
30,204
   
-
   
30,204
 
     Equity securities in financial institutions
  
2,432
   
-
   
-
   
2,432
 

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 and non-financial liabilities measured at fair value in the second step of a goodwill impairment test, and intangible assets and other non-financial long-lived assets measured at fair value for impairment assessment. Non-financial assets measured at fair value on a non-recurring basis during 2016 and 2015 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.
Assets measured at fair value on a nonrecurring basis as of December 31, 2016 and 2015 (in thousands) are included in the table below:
 2016
 
Level I
  
Level II
  
Level III
  
Total
 
Impaired Loans
 
$
-
  
$
-
  
$
2,033
  
$
2,033
 
Other real estate owned
  
-
   
-
   
839
   
839
 
 
                
 2015
 
Level I
  
Level II
  
Level III
  
Total
 
Impaired Loans
 
$
-
  
$
-
  
$
894
  
$
894
 
Other real estate owned
  
-
   
-
   
1,197
   
1,197
 
·
Impaired Loans - The Company has measured impairment on impaired loans generally based on the fair value of the loan's collateral.  Fair value is generally determined based upon independent third-party appraisals of the properties. In some cases, management may adjust the appraised value due to the age of the appraisal, changes in market conditions, or observable deterioration of the property since the appraisal was completed.   Additionally, management makes estimates about expected costs to sell the property which are also included in the net realizable value.  If the fair value of the collateral dependent loan is less than the carrying amount of the loan a specific reserve for the loan is made in the allowance for loan losses or a charge-off is taken to reduce the loan to the fair value of the collateral (less estimated selling costs) and the loan is included in the table above as a Level III measurement.  If the fair value of the collateral exceeds the carrying amount of the loan, then the loan is not included in the table above as it is not current being carried at its fair value.
·
Other Real Estate owned – OREO is carried at the lower of cost or fair value, which is measured at the date foreclosure.  If the fair value of the collateral exceeds the carrying amount of the loan, no charge-off or adjustment is necessary, the loan is not considered to be carried at fair value, and is therefore not included in the table above. If the fair value of the collateral is less than the carrying amount of the loan, management will charge the loan down to its estimated realizable value. The fair value of OREO is based on the appraised value of the property, which is generally unadjusted by management and is based on comparable sales for similar properties in the same geographic region as the subject property, and is included in the above table as a Level II measurement.  In some cases, management may adjust the appraised value due to the age of the appraisal, changes in market conditions, or observable deterioration of the property since the appraisal was completed.  In these cases, the loans are categorized in the above table as Level III measurement since these adjustments are considered to be unobservable inputs. Income and expenses from operations and further declines in the fair value of the collateral subsequent to foreclosure are included in net expenses from OREO.
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.
Quantitative Information about Level 3 Fair Value Measurements
2016
Fair Value
 
Valuation Technique(s)
Unobservable input
Range
Weighted average
Impaired Loans
    2,033
 
Appraised Collateral Values
Discount for time since appraisal
0-65%
28.98%
 
 
 
 
Selling costs
5%-9%
7.56%
 
 
 
 
Holding period
6 - 12 months
11 months
 
 
 
 
 
 
 
Other real estate owned
       839
 
Appraised Collateral Values
Discount for time since appraisal
10-67%
25.45%
 
 
 
 
 
 
 
2015
Fair Value
 
Valuation Technique(s)
Unobservable input
Range
Weighted average
Impaired Loans
       894
 
Appraised Collateral Values
Discount for time since appraisal
0-70%
46.50%
 
 
 
 
Selling costs
4%-10%
7.75%
 
 
 
 
Holding period
12 months
10 months
 
 
 
 
 
 
 
Other real estate owned
    1,197
 
Appraised Collateral Values
Discount for time since appraisal
0-75%
25%
The fair values of the Company's financial instruments are as follows (in thousands):
 
 
Carrying
             
December 31, 2016
 
Amount
  
Fair Value
  
Level I
  
Level II
  
Level III
 
Financial assets:
               
Cash and due from banks
 
$
17,754
  
$
17,754
  
$
17,754
  
$
-
  
$
-
 
Interest bearing time deposits with other banks
  
6,955
   
6,960
   
-
   
-
   
6,960
 
Available-for-sale securities
  
314,017
   
314,017
   
5,899
   
308,118
   
-
 
Loans held for sale
  
1,827
   
1,827
   
1,827
   
-
   
-
 
Net loans
  
790,725
   
797,184
   
-
   
-
   
797,184
 
Bank owned life insurance
  
26,223
   
26,223
   
26,223
   
-
   
-
 
Regulatory stock
  
5,306
   
5,306
   
5,306
   
-
   
-
 
Accrued interest receivable
  
4,089
   
4,089
   
4,089
   
-
   
-
 
 
                    
Financial liabilities:
                    
Deposits
 
$
1,005,503
  
$
1,004,072
  
$
740,889
  
$
-
  
$
263,183
 
Borrowed funds
  
79,662
   
77,425
   
41,330
   
-
   
36,095
 
Accrued interest payable
  
720
   
720
   
720
   
-
   
-
 
  
Carrying
             
December 31, 2015
 
Amount
  
Fair Value
  
Level I
  
Level II
  
Level III
 
Financial assets:
               
Cash and due from banks
 
$
24,384
  
$
24,384
  
$
24,384
  
$
-
  
$
-
 
Interest bearing time deposits with other banks
  
7,696
   
7,705
   
-
   
-
   
7,705
 
Available-for-sale securities
  
359,737
   
359,737
   
12,514
   
347,223
   
-
 
Loans held for sale
  
603
   
603
   
603
         
Net loans
  
687,925
   
712,524
   
-
   
-
   
712,524
 
Bank owned life insurance
  
25,535
   
25,535
   
25,535
   
-
   
-
 
Regulatory stock
  
3,459
   
3,459
   
3,459
   
-
   
-
 
Accrued interest receivable
  
4,211
   
4,211
   
4,211
   
-
   
-
 
                     
Financial liabilities:
                    
Deposits
 
$
988,031
  
$
987,542
  
$
706,121
  
$
-
  
$
281,421
 
Borrowed funds
  
41,631
   
38,863
   
1,598
   
-
   
37,265
 
Accrued interest payable
  
734
   
734
   
734
   
-
   
-
 

Fair value estimates are made at a specific point in time, 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.
Estimated 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 due from banks 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 available-for-sale securities are based on quoted market prices as of the balance sheet date.  For certain instruments, fair value is estimated by obtaining quotes from independent dealers.
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.
Fair value for significant nonperforming loans is based on recent external appraisals or estimated cash flows discounted using a rate commensurate with the risk associated with the estimated cash flows. Assumptions regarding credit risk, cash flows, and discount rates are judgmentally determined using available market information and specific borrower information.
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:
The fair value of borrowed funds is based on the discounted value of contractual cash flows. The discount rate is the rates available to the Company for borrowed funds with similar terms and remaining maturities.
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CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY
 12 Months Ended
Dec. 31, 2016
CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY [Abstract]  
CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY
18. CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY
The following is condensed financial information for Citizens Financial Services, Inc.:
CITIZENS FINANCIAL SERVICES, INC.
 
CONDENSED BALANCE SHEET
 
 
 
December 31,
 
(in thousands)
 
2016
  
2015
 
Assets:
      
  Cash
 
$
2,245
  
$
4,593
 
  Available-for-sale securities
  
2,735
   
2,332
 
  Investment in subsidiary:
        
    First Citizens Community Bank
  
125,973
   
120,370
 
  Other assets
  
564
   
557
 
Total assets
 
$
131,517
  
$
127,852
 
 
        
Liabilities:
        
  Other liabilities
 
$
749
  
$
592
 
  Borrowed funds
  
7,500
   
7,500
 
Total liabilities
  
8,249
   
8,092
 
Stockholders' equity
  
123,268
   
119,760
 
Total liabilities and stockholders' equity
 
$
131,517
  
$
127,852
 

CITIZENS FINANCIAL SERVICES, INC.
 
CONDENSED STATEMENT OF INCOME
 
 
 
Year Ended December 31,
 
(in thousands)
 
2016
  
2015
  
2014
 
Dividends from:
         
  Bank subsidiary
 
$
5,842
  
$
5,582
  
$
14,332
 
  Available-for-sale securities
  
92
   
71
   
56
 
Total income
  
5,934
   
5,653
   
14,388
 
Realized securities gains
  
31
   
76
   
-
 
Expenses
  
463
   
892
   
555
 
Income before equity
            
  in undistributed earnings
            
  of subsidiary
  
5,502
   
4,837
   
13,833
 
Equity in undistributed
            
  earnings - First Citizens Community Bank
  
7,136
   
6,789
   
(448
)
Net income
 
$
12,638
  
$
11,626
  
$
13,385
 
Comprehensive income
 
$
11,482
  
$
10,623
  
$
15,377
 

CITIZENS FINANCIAL SERVICES, INC.
 
STATEMENT OF CASH FLOWS
 
 
 
Year Ended December 31,
 
(in thousands)
 
2016
  
2015
  
2014
 
Cash flows from operating activities:
         
  Net income
 
$
12,638
  
$
11,626
  
$
13,385
 
  Adjustments to reconcile net income to net
            
      cash provided by operating activities:
            
        Equity in undistributed earnings of subsidiaries
  
(7,136
)
  
(6,789
)
  
448
 
        Investment securities gains
  
(31
)
  
(76
)
  
-
 
        Other, net
  
289
   
322
   
174
 
          Net cash provided by operating activities
  
5,760
   
5,083
   
14,007
 
Cash flows from investing activities:
            
  Purchases of available-for-sale securities
  
(1
)
  
(901
)
  
(602
)
  Proceeds from the sale of available-for-sale securities
  
201
   
113
   
-
 
          Net cash provided by (used in) investing activities
  
200
   
(788
)
  
(602
)
Cash flows from financing activities:
            
  Cash dividends paid
  
(5,081
)
  
(5,151
)
  
(6,121
)
  Purchase of treasury stock
  
(3,227
)
  
(2,455
)
  
(814
)
  Purchase of restricted stock
  
-
   
(7
)
  
(170
)
          Net cash used in financing activities
  
(8,308
)
  
(7,613
)
  
(7,105
)
          Net decrease in cash
  
(2,348
)
  
(3,318
)
  
6,300
 
Cash at beginning of year
  
4,593
   
7,911
   
1,611
 
Cash at end of year
 
$
2,245
  
$
4,593
  
$
7,911
 
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CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED)
 12 Months Ended
Dec. 31, 2016
CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) [Abstract]  
CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED)
19. CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED)
The following table presents summarized quarterly financial data for 2016 and 2015:
(in thousands, except share data)
    
Three Months Ended,
    
2016
 
Mar 31
  
June 30
  
Sep 30
  
Dec 31
 
Interest income
 
$
10,462
  
$
10,426
  
$
10,948
  
$
11,169
 
Interest expense
  
1,257
   
1,255
   
1,236
   
1,293
 
Net interest income
  
9,205
   
9,171
   
9,712
   
9,876
 
Provision for loan losses
  
135
   
135
   
500
   
750
 
Non-interest income
  
1,889
   
1,855
   
1,908
   
1,992
 
Investment securities gains, net
  
27
   
128
   
-
   
100
 
Non-interest expenses
  
6,912
   
7,301
   
7,200
   
7,258
 
Income before provision for income taxes
  
4,074
   
3,718
   
3,920
   
3,960
 
Provision for income taxes
  
791
   
687
   
767
   
789
 
Net income
 
$
3,283
  
$
3,031
  
$
3,153
  
$
3,171
 
Earnings Per Share Basic
 
$
0.98
  
$
0.91
  
$
0.94
  
$
0.95
 
Earnings Per Share Diluted
 
$
0.98
  
$
0.91
  
$
0.94
  
$
0.95
 

 
    
Three Months Ended,
    
2015
 
Mar 31
  
June 30
  
Sep 30
  
Dec 31
 
Interest income
 
$
8,771
  
$
8,768
  
$
8,863
  
$
9,251
 
Interest expense
  
1,184
   
1,207
   
1,218
   
1,211
 
Net interest income
  
7,587
   
7,561
   
7,645
   
8,040
 
Provision for loan losses
  
120
   
120
   
120
   
120
 
Non-interest income
  
1,602
   
1,780
   
1,736
   
1,876
 
Investment securities gains, net
  
126
   
175
   
129
   
(1
)
Non-interest expenses
  
5,335
   
5,428
   
5,852
   
6,814
 
Income before provision for income taxes
  
3,860
   
3,968
   
3,538
   
2,981
 
Provision for income taxes
  
740
   
779
   
681
   
521
 
Net income
 
$
3,120
  
$
3,189
  
$
2,857
  
$
2,460
 
Earnings Per Share Basic
 
$
1.02
  
$
1.04
  
$
0.94
  
$
0.79
 
Earnings Per Share Diluted
 
$
1.02
  
$
1.04
  
$
0.94
  
$
0.79
 
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ACQUISITION OF FNB
 12 Months Ended
Dec. 31, 2016
ACQUISITION OF FNB [Abstract]  
ACQUISITION OF FNB
20. ACQUISITION OF FNB
In the second quarter of 2015, the Company announced the signing of a definitive merger agreement to acquire 100% of the outstanding equity interest of FNB for $630 per share in cash and stock. FNB was a Pennsylvania bank that conducted its business from a main office in Lebanon County, Pennsylvania with four branches in Lebanon County, two branches in Schuylkill County, Pennsylvania, and one Branch in Berks County, Pennsylvania.
The transaction closed on December 11, 2015, with FNB having been merged into First Citizens Community Bank, with First Citizens Community Bank as the surviving entity. The acquisition established the Company's presence in the Lebanon, Berks and Schuylkill Counties, Pennsylvania markets.
Under the terms of the merger agreement, the Company acquired all of the outstanding shares of FNB for a total purchase price of approximately $21,603,000.  As a result of the acquisition, the Company issued 336,515 common shares and $5.6 million in cash to the former shareholders of FNB. The shares were issued with a value of $47.50 per share, which was based on the close price of the Company's stock on December 11, 2015.
 The acquired assets and assumed liabilities were measured at estimated fair values. Management made significant estimates and exercised significant judgment in accounting for the acquisition.  Management measured loan fair values based on loan file reviews, appraised collateral values, expected cash flows, and historical loss factors of FNB.  Real estate acquired through foreclosure was primarily valued based on appraised collateral values.  The Company also recorded an identifiable intangible asset representing the core deposit base of FNB based on management's evaluation of the cost of such deposits relative to alternative funding sources.  The Company also recorded an identifiable intangible asset representing a covenant not-to-compete with the former President of FNB. Management used significant estimates including the average lives of depository accounts, future interest rate levels, and the cost of servicing various depository products. Management used market quotations to determine the fair value of investment securities.
 The business combination resulted in the acquisition of loans with and without evidence of credit quality deterioration. FNB's loans were deemed to have credit impairment at the acquisition date if the Company did not expect to receive all contractually required cash flows due to concerns about credit quality.  Such loans were fair valued and the difference between contractually required payments at the acquisition date and cash flows expected to be collected was recorded as a non-accretable difference. At the acquisition date, the Company recorded $3,809,000 of purchased credit-impaired loans. The method of measuring carrying value of purchased loans differs from loans originated by the Company (originated loans), and as such, the Company identifies purchased loans and purchased loans with a credit quality discount and originated loans at amortized cost.
 FNB's loans without evidence of credit deterioration were fair valued by discounting both expected principal and interest cash flows using an observable discount rate for similar instruments that a market participant would consider in determining fair value.  Additionally, consideration was given to management's best estimates of default rates and pre-payment speeds. 
The following table summarizes the purchase of FNB as of December 11, 2015: 
(In Thousands, Except Per Share Data)
      
Purchase Price Consideration in Common Stock
      
Citizens Financial Services, Inc. shares issued
  
336,515
    
Value assigned to Citizens Financial Services, Inc. common share
 
$
47.50
    
Purchase price assigned to FNB common shares exchanged for Citizens Financial Services, Inc.
     
$
15,984
 
Purchase Price Consideration - Cash for Common Stock
        
Purchase price assigned to The First National Bank of Fredericksburg common shares exchanged for cash
      
5,619
 
Total Purchase Price
      
21,603
 
Net Assets Acquired:
        
The First National Bank of Fredericksburg shareholders' equity
 
$
12,298
     
Adjustments to reflect assets acquired at fair value:
        
Loans
        
Interest rate
  
31
     
General credit
  
(1,362
)
    
Specific credit - non-amortizing
  
(2,495
)
    
Specific credit - amortizing
  
(665
)
    
Core deposit intangible
  
1,641
     
Covenant not to compete
  
125
     
Premises and equipment
  
1,203
     
Leased premises contracts
  
(359
)
    
Other assets
  
(358
)
    
Deferred tax assets
  
785
     
Adjustments to reflect liabilities acquired at fair value:
        
Time deposits
  
(74
)
    
       
10,770
 
Goodwill resulting from merger
     
$
10,833
 
The following condensed statement reflects the amounts recognized as of the acquisition date for each major class of asset acquired and liability assumed:
(In Thousands)
      
Total purchase price
    
$
21,603
 
Assets (liabilities) acquired:
       
Cash and cash equivalents
 
$
83,514
     
Interest bearing time deposits with other banks
  
1,236
     
Securities available for sale
  
23,831
     
Loans
  
115,211
     
Premises and equipment, net
  
4,743
     
Accrued interest receivable
  
282
     
Bank-owned life insurance
  
4,598
     
Intangibles
  
1,981
     
Deferred tax asset
  
2,979
     
Other assets
  
2,332
     
Time deposits
  
(42,675
)
    
Deposits other than time deposits
  
(182,555
)
    
Accrued interest payable
  
(14
)
    
Other liabilities
  
(4,693
)
    
       
10,770
 
Goodwill resulting from the FNB merger
     
$
10,833
 
The Company recorded goodwill and other intangibles associated with the purchase of FNB totaling $12,814,000.  Goodwill is not amortized, but is periodically evaluated for impairment.  The Company did not recognize any impairment from December 11, 2015 to December 31, 2016. None of the goodwill acquired is expected to be deductible for tax purposes.
Identifiable intangibles are amortized to their estimated residual values over the expected useful lives. Such lives are also periodically reassessed to determine if any amortization period adjustments are required. For the period from December 11, 2015 to December 31, 2016, no such adjustments were recorded.  The identifiable intangible assets consist of a core deposit intangible, covenant not to compete intangible and MSRs which are being amortized on an accelerated basis over the useful life of such assets. See footnote 6 for additional information on the identifiable intangible assets.
Amounts recognized separately from the acquisition include primarily legal fees, investment banking fees, system conversion costs, severance costs and contract termination costs. These costs were included in merger and acquisition expenses within non-interest expenses on the Consolidated Statement of Income and amounted to approximately $1,103,000 for the year ended December 31, 2015.
Results of operations for FNB prior to the acquisition date are not included in the Consolidated Statement of Income for the year ended December 31, 2015.  Due to the significant amount of fair value adjustments, historical results of FNB are not relevant to the Company's results of operations.  Therefore, no pro forma information is presented.
 The following table presents financial information regarding the former FNB operations included in our Consolidated Statement of Income from the date of acquisition through December 31, 2015 under the column "Actual from Acquisition Date through December 31, 2015".  In addition, the following table presents unaudited pro forma information as if the acquisition of FNB had occurred on January 1, 2014 under the "Pro Forma" columns.  The table below has been prepared for comparative purposes only and is not necessarily indicative of the actual results that would have been attained had the acquisition occurred as of the beginning of the periods presented, nor is it indicative of future results. Furthermore, the unaudited proforma information does not reflect management's estimate of any revenue-enhancing opportunities nor anticipated cost savings as a result of the integration and consolidation of the acquisition.  Merger and acquisition integration costs and amortization of fair value adjustments are included in the numbers below.
     
Pro Formas
 
  
Actual from Acquisition Date Through
December 31, 2015
  
Twelve Months Ended December 31,
 
(In Thousands, Except Per Share Data)
  
2016
   
2015
   
2014
 
Net interest income
 
$
401
  
$
35,837
  
$
37,736
  
$
37,634
 
Non-interest income
  
21
   
7,899
   
8,576
   
8,184
 
Net income
  
(22
)
  
12,073
   
8,640
   
14,019
 
Pro forma earnings per share:
                
Basic
     
$
3.61
  
$
2.57
  
$
4.15
 
Diluted
     
$
3.61
  
$
2.57
  
$
4.15
 
XML 44 R30.htm IDEA: XBRL DOCUMENT v3.7.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)
 12 Months Ended
Dec. 31, 2016
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]  
Basis of Presentation
Basis of Presentation
The financial statements are consolidated to include the accounts of the Company and its subsidiary, First Citizens Community Bank, and its subsidiary, First Citizens Insurance Agency, Inc.  These statements have been prepared in accordance with U.S. generally accepted accounting principles.  All significant inter-company accounts and transactions have been eliminated in the consolidated financial statements.
Use of Estimates
Use of Estimates
In preparing the financial statements, management makes estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses for the period.  Actual results could differ significantly from those estimates.  Material estimates that are particularly susceptible to significant change relate to determination of the allowance for loan losses and deferred tax assets and liabilities.
Operating Segments
Cash and Cash Equivalents
Cash equivalents include cash on hand, deposits in banks and interest-earning deposits.  Interest-earning deposits with original maturities of 90 days or less are considered cash equivalents. Net cash flows are reported for loans, deposits and short term borrowing transactions.
Interest bearing time deposits with other banks are not included with cash and cash equivalents as the original maturities were greater than 90 days.
Cash and Cash Equivalents
Cash and Cash Equivalents
Cash equivalents include cash on hand, deposits in banks and interest-earning deposits.  Interest-earning deposits with original maturities of 90 days or less are considered cash equivalents. Net cash flows are reported for loans, deposits and short term borrowing transactions.
Interest bearing time deposits with other banks are not included with cash and cash equivalents as the original maturities were greater than 90 days.
Investment Securities
Investment Securities
Investment securities at the time of purchase are classified as one of the three following types:
Held-to-Maturity Securities - Includes securities that the Company has the positive intent and ability to hold to maturity. These securities are reported at amortized cost. The Company had no held-to-maturity securities as of December 31, 2016 and 2015.
Trading Securities - Includes debt and equity securities bought and held principally for the purpose of selling them in the near term. Such securities are reported at fair value with unrealized holding gains and losses included in earnings. The Company had no trading securities as of December 31, 2016 and 2015.
Available-for-Sale Securities - Includes debt and equity securities not classified as held-to-maturity or trading securities that will be held for indefinite periods of time. These securities may be sold in response to changes in market interest or prepayment rates, needs for liquidity and changes in the availability of and yield of alternative investments.  Such securities are reported at fair value, with unrealized holding gains and losses excluded from earnings and reported as a separate component of stockholders' equity, net of estimated income tax effect.
The amortized cost of investment in debt securities is adjusted for amortization of premiums and accretion of discounts, computed by a method that results in a level yield. Gains and losses on the sale of investment securities are computed on the basis of specific identification of the adjusted cost of each security.
Securities are periodically reviewed for other-than-temporary impairment. For debt securities, management considers whether the present value of future 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. A decline in value that is considered to be other-than-temporary is recorded as a loss within non-interest income in the Consolidated Statement of Income.
Common stock of the Federal Reserve Bank, Federal Home Loan Bank of Pittsburgh (FHLB) and correspondent banks represent ownership in institutions which are wholly owned by other financial institutions. These equity securities are accounted for at cost and are classified as other assets.
The fair value of investments, except certain state and municipal securities, is based on bid prices published in financial newspapers or bid quotations received from securities dealers. The fair value of certain state and municipal securities is not readily available through market sources other than dealer quotations, so fair value is based on quoted market prices of similar instruments, adjusted for differences between the quoted instruments and the instruments being valued.
Loans Held for Sale
Loans Held for Sale
Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management's intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value.
Loans
Loans
Interest on all loans is recognized on the accrual basis based upon the principal amount outstanding. The accrual of interest income on loans is discontinued when, in the opinion of management, doubt exists as to the ability to collect such interest. Payments received on non-accrual loans are applied to the outstanding principal balance or recorded as interest income, depending upon our assessment of our ultimate ability to collect principal and interest.  Loans are returned to the accrual status when factors indicating doubtful collectability cease to exist.
The Company recognizes nonrefundable loan origination fees and certain direct loan origination costs over the life of the related loan as an adjustment of loan yield using the interest method.
Allowance for Loan Losses
Allowance for Loan Losses
The allowance for loan losses represents the amount which management estimates is adequate to provide for probable losses inherent in its loan portfolio. The allowance method is used in providing for loan losses. Accordingly, all loan losses are charged to the allowance and all recoveries are credited to it. The allowance for loan losses is established through a provision for loan losses which is charged to operations. The provision is based upon management's periodic evaluation of individual loans, the overall risk characteristics of the various portfolio segments, past experience with losses, the impact of economic conditions on borrowers, and other relevant factors. The estimates used in determining the adequacy of the allowance for loan losses are particularly susceptible to significant change in the near term.
Impaired loans are other commercial, other agricultural, municipal, agricultural real estate, commercial real estate loans and certain residential mortgages cross collateralized with commercial relationships for which it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. The Company individually evaluates such loans for impairment and does not aggregate loans by major risk classifications. The definition of "impaired loans" is not the same as the definition of "non-accrual loans," although the two categories overlap. The Company may choose to place a loan on non-accrual status due to payment delinquency or uncertain collectability, while not classifying the loan as impaired if the loan is not a commercial, agricultural, municipal or commercial real estate loan. Factors considered by management in determining impairment include payment status and collateral value. The amount of impairment for these types of impaired loans is determined by the difference between the present value of the expected cash flows related to the loan, using the original interest rate, and its recorded value; or, as a practical expedient in the case of a collateral dependent loan, the difference between the fair value of the collateral and the recorded amount of the loans.
Mortgage loans on one to four family properties and all consumer loans are large groups of smaller balance homogeneous loans and are measured for impairment collectively. Loans that experience insignificant payment delays, which is defined as 90 days or less, generally are not classified as impaired. Management determines the significance of payment delays on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the borrower's prior payment record, and the amount of shortfall in relation to the principal and interest owed.
The Company allocates the allowance based on the factors described below, which conform to the Company's loan classification policy. In reviewing risk within the Bank's loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The allowance for loan losses consists of amounts applicable to: (i) residential real estate loans; (ii) commercial real estate (iii) agricultural real estate loans; (iv) construction; (v) consumer loans; (vi) other commercial loans (vii) other agricultural loans and (viii) 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 for each risk category 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, 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 Bank'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 / CPI
§
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.
·
Existence and effect of any credit concentrations, and changes in the level of such concentrations
·
Any change in the level of board oversight
The Company analyzes its loan portfolio each quarter to determine the appropriateness of its allowance for loan losses.
Loan Charge-off Policies
Loan Charge-off Policies
Consumer loans are generally fully or partially charged down to the fair value of collateral securing the asset when the loan is 180 days past due for open-end loans or 120 days past due for closed-end loans unless the loan is well secured and in the process of collection. All other loans are generally charged down to the net realizable value when the loan is 90 days past due.
Troubled Debt Restructurings
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 either interest or principal, management measures any impairment on the restructuring as noted above for impaired loans. In addition to the allowance for the pooled portfolios, management has developed a separate allowance for loans that are identified as impaired through a TDR. TDRs are excluded from pooled loss forecasts and a separate reserve is provided under the accounting guidance for loan impairment.
Purchased Credit Impaired Loans
Purchased Credit Impaired Loans
The Company purchased loans in connection with its acquisition of FNB in 2015, some of which showed evidence of credit deterioration as of the acquisition since origination. These purchased credit impaired (PCI) loans were recorded at the amount paid, such that there is no carryover of the seller's allowance for loan losses. After acquisition, losses are recognized by an increase in the allowance for loan losses. Over the life of the loan, expected cash flows continue to be estimated. If this subsequent estimated indicated that the present value of expected cash flows is less than the carrying amount, a charge to the allowance for loan loss is made through a provision. If the estimate indicates that the present value of the expected cash flows is greater than the carrying amount, it is recognized as part of future interest income.
Such purchased credit impaired loans are accounted for individually, and the Company estimates the amount and timing of expected cash flows for each loan. The expected cash flows in excess of the amount paid is recorded as interest income over the remaining life of the loan (accretable yield). The excess of the loan's contractual principal and interest over expected cash flows is not amortized over the remaining life of the loan (nonaccretable difference).
For loans purchased that did not show evidence of credit deterioration, the difference between the fair value of the loan at the acquisition date and the loan's face value is being amortized as a yield adjustment over the estimated remaining life of the loan using the effective interest method.
Foreclosed Assets Held For Sale
Foreclosed Assets Held For Sale
Foreclosed assets acquired in settlement of loans are carried at fair value, less estimated costs to sell. Prior to foreclosure, the value of the underlying loan is written down to fair market value of the real estate or other assets to be acquired by a charge to the allowance for loan losses, if necessary. Any subsequent write-downs are charged against operating expenses. Operating expenses of such properties, net of related income and losses on disposition, are included in other expenses and gains and losses are included in other non-interest income or other non-interest expense.
Premises and Equipment
Premises and Equipment
Land is carried at cost. Premises and equipment are stated at cost, less accumulated depreciation. Depreciation expense is computed on straight line and accelerated methods over the estimated useful lives of the assets, which range from 3 to 15 years for furniture, fixtures and equipment and 5 to 40 years for building premises. Repair and maintenance expenditures which extend the useful life of an asset are capitalized and other repair expenditures are expensed as incurred.
When premises or equipment are retired or sold, the remaining cost and accumulated depreciation are removed from the accounts and any gain or loss is credited to income or charged to expense, respectively.
Intangible Assets
Intangible Assets
Intangible assets include core deposit intangibles, covenants not to compete and mortgage servicing rights (MSRs). Core deposit intangibles are a measure of the value of consumer demand and savings deposits acquired in business combinations accounted for as purchases. Covenants not to compete are payments made to former employees as compensation for agreeing not to work for competitors. The core deposit intangibles are being amortized over 10 years using the sum-of-the-years digits method of amortization, while the covenant not to compete is being amortized over four years on a straight line basis.
MSR's arose from the Company originating certain loans for the express purpose of selling such loans in the secondary market.  The Company maintains all servicing rights for these loans.  The loans held for sale are carried at lower of cost or market.  Originated MSRs are recorded by allocating total costs incurred between the loan and servicing rights based on their relative fair values.  MSRs are amortized in proportion to the estimated servicing income over the estimated life of the servicing portfolio and measured annually for impairment.
The recoverability of the carrying value of intangible assets is evaluated on an ongoing basis, and permanent declines in value, if any, are charged to expense.
Goodwill
Goodwill
The Company utilizes a two-step process for testing the impairment of goodwill on at least an annual basis.  This approach could cause more volatility in the Company's reported net income because impairment losses, if any, could occur irregularly and in varying amounts.  The Company may also perform a qualitative assessment to determine whether it is more likely than not that the fair value of the reporting unit is less than its carrying value. Based on the fair value of the reporting unit, no impairment of goodwill was recognized in 2016, 2015 or 2014.
Bank Owned Life Insurance
Bank Owned Life Insurance
The Company has purchased life insurance policies on certain employees. Prior to January 1, 2015, the Company was the owner and sole beneficiary of the policies. Effective January 1, 2015, the insurance policies were restructured 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 these restructured agreements, the Bank receives the cash surrender value of the policy plus 50% of the benefit in excess of the cash surrender value and the remaining amount of the payout will be given to the beneficiary of the policy. Additionally, as a result of the acquisition of FNB, the Company acquired life insurance policies on former FNB employees and directors. The policies obtained as part of the acquisition provide a fixed dollar benefit to the former employee or director beneficiaries, whether or not the insured person is affiliated with the Company at the time of his or her death. Bank owned life insurance is recorded at its cash surrender value, or the amount that can be realized.  Increases in the cash surrender value are recognized as other non-interest income.  The obligation under an split-dollar benefit agreements to former employees and directors or their beneficiaries have been recognized as liabilities on the consolidated balance sheet.
Income Taxes
Income Taxes
The Company and the Bank file a consolidated federal income tax return.  Deferred tax assets and liabilities are computed based on the difference between the financial statement basis and income tax basis of assets and liabilities using the enacted marginal tax rates.  Deferred income tax expenses or benefits are based on the changes in the net deferred tax asset or liability from period to period.
Employee Benefit Plans
Employee Benefit Plans
The Company has noncontributory defined benefit pension plans covering employees hired before January 1, 2007 and employees acquired as part of the FNB acquisition. It is the Company's policy to fund pension costs on a current basis to the extent deductible under existing tax regulations. Such contributions are intended to provide not only for benefits attributed to service to date, but also for those expected to be earned in the future.
The Company has a defined contribution, 401(k) plan covering eligible employees. The employee may also contribute to the plan on a voluntary basis, up to a maximum percentage allowable not to exceed the limits of Code Sections 401(k).   Under the plan, the Company also makes contributions on behalf of eligible employees, which vest immediately. For employees hired after January 1, 2007, in lieu of the pension plan, an additional annual discretionary 401(k) plan contribution is made and is equal to a percentage of an employee's base compensation.
The Company also has a profit-sharing plan for employees which provide tax-deferred salary savings to plan participants.  The Company has a deferred compensation plan for directors who have elected to defer all or portions of their fees until their retirement or termination from service.
The Company has a restricted stock plan which covers eligible employees and non-employee corporate directors.  Under the plan, awards are granted based upon performance related requirements and are subject to certain vesting criteria.  Compensation cost related to restricted stock is recognized based on the market price of the stock at the grant date over the vesting period.
The Company has an employee stock purchase plan that allows employees to withhold money from their paychecks, which is then utilized to purchase shares of the Company's stock on either the open market or through treasury stock, if shares are unavailable on the open market.
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.  The SERP is considered an unfunded plan for tax and ERISA purposes and all obligations arising under the SERP are payable from the general assets of the Company.  Expenses under the SERP are recognized as earned over the expected years of service.
Advertising Costs
Advertising Costs
Advertising costs are generally expensed as incurred.
Comprehensive Loss
Comprehensive Loss
The Company is required to present comprehensive income in a full set of general purpose financial statements for all periods presented. Other comprehensive loss is comprised of unrealized holding gains (losses) on the available-for-sale securities portfolio and unrecognized pension costs.
Recent Accounting Pronouncements
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. Because the guidance does not apply to revenue associated with financial instruments, including loans and securities, we do not expect new standard, or any of the amendments, to result in a material change from our current accounting for revenue because the majority of the Company's financial instruments are not within the scope of Topic 606.  However, we do expect that the standard will result in new disclosure requirements, which are currently being evaluated.
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 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. This Update is not expected to have a significant impact on the Company's consolidated financial statements.
In January 2016, the FASB issued ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10):  Recognition and Measurement of Financial Assets and Financial Liabilities.  This Update applies to all entities that hold financial assets or owe financial liabilities and is intended to provide more useful information on the recognition, measurement, presentation, and disclosure of financial instruments.  Among other things, this Update (a) requires equity investments (except those accounted for under the equity method of accounting or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income; (b) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; (c) eliminates the requirement to disclose the fair value of financial instruments measured at amortized cost for entities that are not public business entities; (d) eliminates the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; (e) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (f) requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (that is, securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; and (g) clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity's other deferred tax assets.  For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years.  For all other entities, including not-for-profit entities and employee benefit plans within the scope of Topics 960 through 965 on plan accounting, the amendments in this Update are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. All entities that are not public business entities may adopt the amendments in this Update earlier as of the fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842).  The standard requires lessees to recognize the assets and liabilities that arise from leases on the balance sheet.  A lessee should recognize in the statement of financial position a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term.  A short-term lease is defined as one in which (a) the lease term is 12 months or less and (b) there is not an option to purchase the underlying asset that the lessee is reasonably certain to exercise.  For short-term leases, lessees may elect to recognize lease payments over the lease term on a straight-line basis.  For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2018, and interim periods within those years.  For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, and for interim periods within fiscal years beginning after December 15, 2020.  The amendments should be applied at the beginning of the earliest period presented using a modified retrospective approach with earlier application permitted as of the beginning of an interim or annual reporting period.  The Company is currently assessing the practical expedients it may elect at adoption, but does not anticipate the amendments will have a significant impact to the financial statements. Based on the Company's preliminary analysis of its current portfolio, the impact to the Company's balance sheet is estimated to result in less than a 1% increase in assets and liabilities. The Company also anticipates additional disclosures to be provided at adoption.
In March 2016, the FASB issued ASU 2016-08, Revenue from Contracts with Customers (Topic 606). The amendments in this Update affect entities with transactions included within the scope of Topic 606, which includes entities that enter into contracts with customers to transfer goods or services (that are an output of the entity's ordinary activities) in exchange for consideration.  The amendments in this Update do not change the core principle of the guidance in Topic 606; they simply clarify the implementation guidance on principal versus agent considerations. The amendments in this Update are intended to improve the operability and understandability of the implementation guidance on principal versus agent considerations. The amendments in this Update affect the guidance in ASU 2014-09, Revenue from Contracts with Customers (Topic 606), which is not yet effective. The effective date and transition requirements for the amendments in this Update are the same as the effective date and transition requirements of Update 2014-09. ASU No. 2015-14, Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date, defers the effective date of Update 2014-09 by one year.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
In March 2016, the FASB issued ASU 2016-09, Compensation – Stock Compensation (Topic 718). The amendments in this Update affect all entities that issue share-based payment awards to their employees. The standards in this Update provide simplification for several aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as with equity or liabilities, and classification on the statement of cash flows. Some of the areas for simplification apply only to nonpublic entities. In addition to those simplifications, the amendments eliminate the guidance in Topic 718 that was indefinitely deferred shortly after the issuance of FASB Statement No. 123 (revised 2004), Share-Based Payment. This should not result in a change in practice because the guidance that is being superseded was never effective. For public business entities, the amendments in this Update are effective for annual periods beginning after December 15, 2016, and interim periods within those annual periods. For all other entities, the amendments are effective for annual periods beginning after December 15, 2017, and interim periods within annual periods beginning after December 15, 2018. Early adoption is permitted for any entity in any interim or annual period. The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
In April 2016, the FASB issued ASU 2016-10, Revenue from Contracts with Customers (Topic 606).  The amendments in this Update affect entities with transactions included within the scope of Topic 606, which includes entities that enter into contracts with customers to transfer goods or services in exchange for consideration. The amendments in this Update do not change the core principle for revenue recognition in Topic 606. Instead, the amendments provide (1) more detailed guidance in a few areas and (2) additional implementation guidance and examples based on feedback the FASB received from its  stakeholders. The amendments are expected to reduce the degree of judgment necessary to comply with Topic 606, which the FASB expects will reduce the potential for diversity arising in practice and reduce the cost and complexity of applying the guidance.  The amendments in this Update affect the guidance in ASU 2014-09, Revenue from Contracts with Customers (Topic 606), which is not yet effective. The effective date and transition requirements for the amendments in this Update are the same as the effective date and transition requirements in Topic 606 (and any other Topic amended by Update 2014-09). ASU 2015-14, Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date, defers the effective date of Update 2014-09 by one year.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
In May 2016, the FASB issued ASU 2016-12, Revenue from Contracts with Customers (Topic 606), which among other things clarifies the objective of the collectability criterion in Topic 606, as well as certain narrow aspects of Topic 606. The amendments in this Update affect the guidance in ASU 2014-09, Revenue from Contracts with Customers (Topic 606), which is not yet effective. The effective date and transition requirements for the amendments in this Update are the same as the effective date and transition requirements for Topic 606 (and any other Topic amended by Update 2014-09). ASU 2015-14, Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date, defers the effective date of Update 2014-09 by one year. This Update is not expected to have a significant impact on the Company's consolidated financial statements
In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments ("ASU 2016-13"), which changes the impairment model for most financial assets. This Update is intended to improve financial reporting by requiring timelier recording of credit losses on loans and other financial instruments held by financial institutions and other organizations.  The underlying premise of the Update is that financial assets measured at amortized cost should be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The allowance for credit losses should reflect management's current estimate of credit losses that are expected to occur over the remaining life of a financial asset.  The income statement will be effected for the measurement of credit losses for newly recognized financial assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. ASU 2016-13 is effective for annual and interim periods beginning after December 15, 2019, and early adoption is permitted for annual and interim periods beginning after December 15, 2018. With certain exceptions, transition to the new requirements will be through a cumulative effect adjustment to opening retained earnings as of the beginning of the first reporting period in which the guidance is adopted.  We expect to recognize a one-time cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but cannot yet determine the magnitude of any such one-time adjustment or the overall impact of the new guidance on the consolidated financial statements.
In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230):  Classification of Certain Cash Receipts and Cash Payments ("ASU 2016-15"), which addresses eight specific cash flow issues with the objective of reducing diversity in practice.  Among these include recognizing cash payments for debt prepayment or debt extinguishment as cash outflows for financing activities; cash proceeds received from the settlement of insurance claims should be classified on the basis of the related insurance coverage; and cash proceeds received from the settlement of bank-owned life insurance policies should be classified as cash inflows from investing activities while the cash payments for premiums on bank-owned policies may be classified as cash outflows for investing activities, operating activities, or a combination of investing and operating activities.  The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity that elects early adoption must adopt all of the amendments in the same period. The amendments in this Update should be applied using a retrospective transition method to each period presented. If it is impracticable to apply the amendments retrospectively for some of the issues, the amendments for those issues would be applied prospectively as of the earliest date practicable. The Company is currently evaluating the impact the adoption of the standard will have on the Company's statement of cash flows.
In October 2016, the FASB issued ASU 2016-16, Income Taxes (Topic 740) ("ASU 2016-16"), which requires recognition of current and deferred income taxes resulting from an intra-entity transfer of any asset (excluding inventory) when the transfer occurs.  Consequently, the amendments in this Update eliminate the exception for an intra-entity transfer of an asset other than inventory. The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, including interim periods within those annual reporting periods. For all other entities, the amendments are effective for annual reporting periods beginning after December 15, 2018, and interim reporting periods within annual periods beginning after December 15, 2019.  Early adoption is permitted for all entities as of the beginning of an annual reporting period for which financial statements (interim or annual) have not been issued or made available for issuance. That is, earlier adoption should be in the first interim period if an entity issues interim financial statements. The amendments in this Update should be applied on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
In October 2016, the FASB issued ASU 2016-17, Consolidation (Topic 810) ("ASU 2016-17"), which amends the consolidation guidance on how a reporting entity that is the single decision maker of a VIE should treat indirect interests in the entity held through related parties that are under common control with the reporting entity when determining whether it is the primary beneficiary of that VIE. The primary beneficiary of a VIE is the reporting entity that has a controlling financial interest in a VIE and, therefore, consolidates the VIE. A reporting entity has an indirect interest in a VIE if it has a direct interest in a related party that, in turn, has a direct interest in the VIE. Under the amendments, a single decision maker is not required to consider indirect interests held through related parties that are under common control with the single decision maker to be the equivalent of direct interests in their entirety. Instead, a single decision maker is required to include those interests on a proportionate basis consistent with indirect interests held through other related parties.  This Update is not expected to have a significant impact on the Company's consolidated financial statements.
In October 2016, the FASB issued ASU 2016-18, Statement of Cash Flows (Topic 230) ("ASU 2016-18"), which requires that a statement of cash flows explains the change during the period in the total of cash, cash equivalents, and amounts generally described as restricted cash or restricted cash equivalents. Therefore, amounts generally described as restricted cash and restricted cash equivalents should be included with cash and cash equivalents when reconciling the beginning-of-period and end-of-period total amounts shown on the statement of cash flows. The amendments in this Update are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period.  The amendments in this Update should be applied using a retrospective transition method to each period presented.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's statement of cash flows.
In December 2016, the FASB issued ASU 2016-19, Technical Corrections and Improvements, which represents changes to clarify, correct errors, or make minor improvements to the Accounting Standards Codification. The amendments make the Accounting Standards Codification easier to understand and easier to apply by eliminating inconsistencies and providing clarifications.  Most of the amendments in this Update do not require transition guidance and are effective upon issuance of this Update. This Update is not expected to have a significant impact on the Company's consolidated financial statements.
In December 2016, the FASB issued ASU 2016-20, Technical Corrections and Improvements to Topic 606, Revenue from Contracts with Customers "ASU 2016-20".  This Update, among others things, clarifies that guarantee fees within the scope of Topic 460, Guarantees, (other than product or service warranties) are not within the scope of Topic 606. The effective date and transition requirements for ASU 2016-20 are the same as the effective date and transition requirements for the new revenue recognition guidance. For public entities with a calendar year-end, the new guidance is effective in the quarter and year beginning January 1, 2018. For all other entities with a calendar year-end, the new guidance is effective in the year ending December 31, 2019, and interim periods in 2020.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
In January 2017, the FASB issued ASU 2017-01, Business Combinations (Topic 805), Clarifying the Definition of a Business "ASU 2017-01", which provides a more robust framework to use in determining when a set of assets and activities (collectively referred to as a "set") is a business. The screen requires that when substantially all of the fair value of the gross assets acquired (or disposed of) is concentrated in a single identifiable asset or a group of similar identifiable assets, the set is not a business. This screen reduces the number of transactions that need to be further evaluated.  Public business entities should apply the amendments in this Update to annual periods beginning after December 15, 2017, including interim periods within those periods. All other entities should apply the amendments to annual periods beginning after December 15, 2018, and interim periods within annual periods beginning after December 15, 2019.  The amendments in this Update should be applied prospectively on or after the effective date.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's consolidated financial position or results of operations.
Treasury Stock
Treasury Stock
The purchase of the Company's common stock is recorded at cost.  At the date of subsequent reissue, the treasury stock account is reduced by the cost of such stock on a last-in-first-out basis.
Cash Flows
Cash Flows
The Company utilizes the net reporting of cash receipts and cash payments for deposit, short-term borrowing and lending activities.  The Company considers amounts due from banks and interest-bearing deposits in banks as cash equivalents.
Trust Assets and Income
Trust Assets and Income
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.  In accordance with industry practice, fees are recorded on the cash basis and approximate the fees which would have been recognized on the accrual basis.
Earnings Per Share
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.
  
2016
  
2015
  
2014
 
Basic earnings per share computation:
         
Net income applicable to common stock
 
$
12,638,000
  
$
11,626,000
  
$
13,385,000
 
Weighted average common shares outstanding
  
3,341,933
   
3,063,906
   
3,070,922
 
Earnings per share - basic
 
$
3.78
  
$
3.79
  
$
4.36
 
 
            
Diluted earnings per share computation:
            
Net income applicable to common stock
 
$
12,638,000
  
$
11,626,000
  
$
13,385,000
 
Weighted average common shares outstanding for basic earnings per share
  
3,341,933
   
3,063,906
   
3,070,922
 
Add: Dilutive effects of restricted stock
  
1,556
   
1,360
   
1,295
 
Weighted average common shares outstanding for dilutive earnings per share
  
3,343,489
   
3,065,266
   
3,072,217
 
Earnings per share - dilutive
 
$
3.78
  
$
3.79
  
$
4.36
 
Nonvested shares of restricted stock totaling 3,087, 2,105 and 2,248 were outstanding during 2016, 2015 and 2014, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. These anti-dilutive shares had per share prices ranging from $46.69-$53.15, $50.15-$53.15 and $37.10-$50.50 for 2016, 2015 and  2014, respectively.
Reclassification
Reclassification
Certain of the prior year amounts have been reclassified to conform to the current year presentation. Such reclassifications had no effect on net income or stockholders' equity.
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SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)
 12 Months Ended
Dec. 31, 2016
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [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.
  
2016
  
2015
  
2014
 
Basic earnings per share computation:
         
Net income applicable to common stock
 
$
12,638,000
  
$
11,626,000
  
$
13,385,000
 
Weighted average common shares outstanding
  
3,341,933
   
3,063,906
   
3,070,922
 
Earnings per share - basic
 
$
3.78
  
$
3.79
  
$
4.36
 
 
            
Diluted earnings per share computation:
            
Net income applicable to common stock
 
$
12,638,000
  
$
11,626,000
  
$
13,385,000
 
Weighted average common shares outstanding for basic earnings per share
  
3,341,933
   
3,063,906
   
3,070,922
 
Add: Dilutive effects of restricted stock
  
1,556
   
1,360
   
1,295
 
Weighted average common shares outstanding for dilutive earnings per share
  
3,343,489
   
3,065,266
   
3,072,217
 
Earnings per share - dilutive
 
$
3.78
  
$
3.79
  
$
4.36
 
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INVESTMENT SECURITIES (Tables)
 12 Months Ended
Dec. 31, 2016
INVESTMENT SECURITIES [Abstract]  
Summary of amortized cost and fair value of investment securities
The amortized cost, gross unrealized gains and losses, and fair value of investment securities at December 31, 2016 and 2015 were as follows (in thousands):
     
Gross
  
Gross
    
  
Amortized
  
Unrealized
  
Unrealized
  
Fair
 
2016
 
Cost
  
Gains
  
Losses
  
Value
 
Available-for-sale securities:
            
  U.S. Agency securities
 
$
170,276
  
$
407
  
$
(269
)
 
$
170,414
 
  U.S. Treasuries
  
2,999
   
1
   
-
   
3,000
 
  Obligations of state and
                
    political subdivisions
  
95,956
   
1,463
   
(493
)
  
96,926
 
  Corporate obligations
  
3,000
   
50
   
-
   
3,050
 
  Mortgage-backed securities in
                
    government sponsored entities
  
37,987
   
88
   
(347
)
  
37,728
 
  Equity securities in financial institutions
  
1,821
   
1,078
   
-
   
2,899
 
Total available-for-sale securities
 
$
312,039
  
$
3,087
  
$
(1,109
)
 
$
314,017
 
                 
2015
                
Available-for-sale securities:
                
  U.S. Agency securities
 
$
199,749
  
$
369
  
$
(527
)
 
$
199,591
 
  U.S. Treasuries
  
10,103
   
-
   
(21
)
  
10,082
 
  Obligations of state and
                
    political subdivisions
  
99,856
   
3,080
   
(73
)
  
102,863
 
  Corporate obligations
  
14,583
   
68
   
(86
)
  
14,565
 
  Mortgage-backed securities in
                
    government sponsored entities
  
30,107
   
186
   
(89
)
  
30,204
 
  Equity securities in financial institutions
  
2,001
   
436
   
(5
)
  
2,432
 
Total available-for-sale securities
 
$
356,399
  
$
4,139
  
$
(801
)
 
$
359,737
 
Unrealized losses and fair value of investments
The following table shows the Company's gross unrealized losses and fair value, aggregated by investment category and length of time, that the individual securities have been in a continuous unrealized loss position, at December 31, 2016 and 2015 (in thousands).  As of December 31, 2016, the Company owned 88 securities whose fair value was less than their cost basis.
 
 
Less than Twelve Months
  
Twelve Months or Greater
  
Total
 
     
Gross
     
Gross
     
Gross
 
  
Fair
  
Unrealized
  
Fair
  
Unrealized
  
Fair
  
Unrealized
 
2016
 
Value
  
Losses
  
Value
  
Losses
  
Value
  
Losses
 
U.S. Agency securities
 
$
50,947
  
$
(269
)
 
$
-
  
$
-
  
$
50,947
  
$
(269
)
Obligations of states and
                        
     political subdivisions
  
28,398
   
(472
)
  
767
   
(21
)
  
29,165
   
(493
)
Mortgage-backed securities in
                        
     government sponsored entities
  
26,717
   
(330
)
  
753
   
(17
)
  
27,470
   
(347
)
    Total securities
 
$
106,062
  
$
(1,071
)
 
$
1,520
  
$
(38
)
 
$
107,582
  
$
(1,109
)
                         
2015
                        
U.S. Agency securities
 
$
123,591
  
$
(527
)
 
$
-
  
$
-
  
$
123,591
  
$
(527
)
U.S. Treasuries
  
10,082
   
(21
)
  
-
   
-
   
10,082
   
(21
)
Obligations of states and
                        
     political subdivisions
  
7,023
   
(57
)
  
2,914
   
(16
)
  
9,937
   
(73
)
Corporate obligations
  
5,822
   
(61
)
  
2,138
   
(25
)
  
7,960
   
(86
)
Mortgage-backed securities in
                        
     government sponsored entities
  
9,830
   
(77
)
  
227
   
(12
)
  
10,057
   
(89
)
  Equity securities in financial institutions
  
106
   
(5
)
  
-
   
-
   
106
   
(5
)
    Total securities
 
$
156,454
  
$
(748
)
 
$
5,279
  
$
(53
)
 
$
161,733
  
$
(801
)
Gross gains and losses on available-for-sale securities
Gross gains and gross losses were realized as follows (in thousands):
 
 
2016
  
2015
  
2014
 
Gross gains
 
$
312
  
$
440
  
$
647
 
Gross losses
  
(57
)
  
(11
)
  
(31
)
Net gains
 
$
255
  
$
429
  
$
616
 
Summary of amortized cost and fair value of debt securities by contractual maturity
The amortized cost and fair value of debt securities at December 31, 2016, by contractual maturity are shown below (in thousands). Municipal securities that have been refunded and will therefore pay-off on the call date are reflected in the table below utilizing the call date as the date of repayment as payment is guaranteed on that day:
  
Amortized
    
 
 
Cost
  
Fair Value
 
Available-for-sale securities:
      
  Due in one year or less
 
$
44,331
  
$
44,484
 
  Due after one year through five years
  
155,199
   
156,177
 
  Due after five years through ten years
  
38,363
   
38,305
 
  Due after ten years
  
72,325
   
72,152
 
Total
 
$
310,218
  
$
311,118
 
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LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Tables)
 12 Months Ended
Dec. 31, 2016
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES [Abstract]  
Summary of loan portfolio and allowance for loan losses
The following table summarizes the primary segments of the loan portfolio, as well as how those segments are analyzed within the allowance for loan losses as of December 31, 2016 and 2015 (in thousands):
2016
 
Total Loans
  
Individually
evaluated for
impairment
  
Loans acquired
with deteriorated
credit quality
  
Collectively
evaluated for
impairment
 
Real estate loans:
            
     Residential
 
$
207,423
  
$
957
  
$
35
  
$
206,431
 
     Commercial
  
252,577
   
5,742
   
1,969
   
244,866
 
     Agricultural
  
123,624
   
3,346
   
738
   
119,540
 
     Construction
  
25,441
   
-
   
-
   
25,441
 
Consumer
  
11,005
   
-
   
4
   
11,001
 
Other commercial loans
  
58,639
   
5,994
   
621
   
52,024
 
Other agricultural loans
  
23,388
   
1,654
   
-
   
21,734
 
State and political subdivision loans
  
97,514
   
-
   
-
   
97,514
 
Total
  
799,611
   
17,693
   
3,367
   
778,551
 
Less: Allowance for loan losses
  
8,886
   
487
   
-
   
8,399
 
Net loans
 
$
790,725
  
$
17,206
  
$
3,367
  
$
770,152
 

2015
 
Total Loans
  
Individually
evaluated for impairment
  
Loans acquired
with deteriorated
credit quality
  
Collectively
evaluated for
 impairment
 
Real estate loans:
            
     Residential
 
$
203,407
  
$
304
  
$
35
  
$
203,068
 
     Commercial
  
237,542
   
6,068
   
2,170
   
229,304
 
     Agricultural
  
57,822
   
167
   
738
   
56,917
 
     Construction
  
15,011
   
-
   
-
   
15,011
 
Consumer
  
11,543
   
-
   
9
   
11,534
 
Other commercial loans
  
57,549
   
5,640
   
866
   
51,043
 
Other agricultural loans
  
13,657
   
105
       
13,552
 
State and political subdivision loans
  
98,500
   
-
   
-
   
98,500
 
Total
  
695,031
   
12,284
   
3,818
   
678,929
 
Less: Allowance for loan losses
  
7,106
   
355
   
-
   
6,751
 
Net loans
 
$
687,925
  
$
11,929
  
$
3,818
  
$
672,178
 
Accretable yield for purchased credit impaired loans
Changes in the amortizable yield for PCI loans were as follows for the years ended December 31, 2016 and 2015 (in thousands):
 
 
December 31, 2016
  
December 31, 2015
 
Balance at beginning of period
 
$
637
  
$
665
 
Accretion
  
(349
)
  
(28
)
Reclassification of non-accretable discount
  
101
   
-
 
Balance at end of period
 
$
389
  
$
637
 
Loans acquired with specific evidence of deterioration in credit quality
The following table presents additional information regarding PCI loans:
(In Thousands)
 
December 31, 2016
  
December 31, 2015
 
Outstanding balance
 
$
6,487
  
$
6,950
 
Carrying amount
  
3,367
   
3,818
 
Impaired financing receivables with associated allowance amount
The following table includes the recorded investment and unpaid principal balances for impaired loans by class, with the associated allowance amount as of December 31, 2016 and 2015, if applicable (in thousands):

 
    
Recorded
  
Recorded
       
 
 
Unpaid
  
Investment
  
Investment
  
Total
    
 
 
Principal
  
With No
  
With
  
Recorded
  
Related
 
 2016
 
Balance
  
Allowance
  
Allowance
  
Investment
  
Allowance
 
Real estate loans:
               
     Mortgages
 
$
953
  
$
570
  
$
330
  
$
900
  
$
22
 
     Home Equity
  
57
   
-
   
57
   
57
   
10
 
     Commercial
  
7,958
   
5,697
   
45
   
5,742
   
45
 
     Agricultural
  
3,347
   
2,000
   
1,347
   
3,347
   
54
 
Other commercial loans
  
6,159
   
5,135
   
859
   
5,994
   
326
 
Other agricultural loans
  
1,653
   
1,629
   
24
   
1,653
   
30
 
Total
 
$
20,127
  
$
15,031
  
$
2,662
  
$
17,693
  
$
487
 

 
     
Recorded
  
Recorded
       
  
Unpaid
  
Investment
  
Investment
  
Total
    
  
Principal
  
With No
  
With
  
Recorded
  
Related
 
2015
 
Balance
  
Allowance
  
Allowance
  
Investment
  
Allowance
 
Real estate loans:
               
     Mortgages
 
$
281
  
$
114
  
$
129
  
$
243
  
$
26
 
     Home Equity
  
61
   
-
   
61
   
61
   
11
 
     Commercial
  
8,654
   
5,843
   
225
   
6,068
   
62
 
     Agricultural
  
167
   
167
   
-
   
167
   
-
 
Other commercial loans
  
5,535
   
4,653
   
987
   
5,640
   
256
 
Other agricultural loans
  
105
   
105
   
-
   
105
   
-
 
Total
 
$
14,803
  
$
10,882
  
$
1,402
  
$
12,284
  
$
355
 
The following table includes the average investment in impaired loans and the income recognized on impaired loans for 2016, 2015 and 2014 (in thousands):
 
       
Interest
 
 
 
Average
  
Interest
  
Income
 
 
 
Recorded
  
Income
  
Recognized
 
2016
 
Investment
  
Recognized
  
Cash Basis
 
Real estate loans:
         
     Mortgages
 
$
590
  
$
13
  
$
-
 
     Home Equity
  
59
   
4
   
-
 
     Commercial
  
5,959
   
69
   
1
 
     Agricultural
  
361
   
17
   
-
 
Consumer
  
-
   
-
   
-
 
Other commercial loans
  
5,715
   
87
   
6
 
Other agricultural loans
  
190
   
11
   
-
 
Total
 
$
12,874
  
$
201
  
$
7
 
 
            
2015
            
Real estate loans:
            
     Mortgages
 
$
240
  
$
12
  
$
-
 
     Home Equity
  
88
   
4
   
-
 
     Commercial
  
5,683
   
63
   
5
 
     Agricultural
  
56
   
2
   
-
 
Consumer
  
-
   
-
   
-
 
Other commercial loans
  
2,700
   
98
   
6
 
Other agricultural loans
  
37
   
1
   
-
 
Total
 
$
8,804
  
$
180
  
$
11
 
 
            
2014
            
Real estate loans:
            
     Mortgages
 
$
198
  
$
9
  
$
-
 
     Home Equity
  
130
   
4
   
-
 
     Commercial
  
7,270
   
54
   
-
 
     Agricultural
  
-
   
-
   
-
 
Consumer
  
10
   
-
   
-
 
Other commercial loans
  
2,031
   
79
   
-
 
Other agricultural loans
  
-
   
-
   
-
 
Total
 
$
9,639
  
$
146
  
$
-
 
Summary of financing receivable credit exposures by internally assigned grades
The following tables represent credit exposures by internally assigned grades as of December 31, 2016 and 2015 (in thousands):
 
 
Pass
  
Special Mention
  
Substandard
  
Doubtful
  
Loss
  
Ending Balance
 
2016
                  
Real estate loans:
                  
     Commercial
 
$
225,185
  
$
14,045
  
$
13,347
  
$
-
  
$
-
  
$
252,577
 
     Agricultural
  
110,785
   
8,231
   
4,608
   
-
   
-
   
123,624
 
     Construction
  
25,441
   
-
   
-
   
-
   
-
   
25,441
 
Other commercial loans
  
51,396
   
2,049
   
5,105
   
89
   
-
   
58,639
 
Other agricultural loans
  
20,178
   
1,733
   
1,477
   
-
   
-
   
23,388
 
State and political
                        
   subdivision loans
  
83,620
   
13,066
   
828
   
-
   
-
   
97,514
 
Total
 
$
516,605
  
$
39,124
  
$
25,365
  
$
89
  
$
-
  
$
581,183
 
 
                        
2015
                        
Real estate loans:
                        
     Commercial
 
$
217,544
  
$
4,150
  
$
15,816
  
$
32
  
$
-
  
$
237,542
 
     Agricultural
  
53,695
   
2,865
   
1,262
   
-
   
-
   
57,822
 
     Construction
  
14,422
   
589
   
-
   
-
   
-
   
15,011
 
Other commercial loans
  
51,297
   
446
   
5,669
   
137
   
-
   
57,549
 
Other agricultural loans
  
13,318
   
234
   
105
   
-
   
-
   
13,657
 
State and political
                        
   subdivision loans
  
98,500
   
-
   
-
   
-
   
-
   
98,500
 
Total
 
$
448,776
  
$
8,284
  
$
22,852
  
$
169
  
$
-
  
$
480,081
 
For residential real estate mortgages, home equities 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. The following table presents the recorded investment in those loan classes based on payment activity as of December 31, 2016 and 2015 (in thousands):
2016
 
Performing
  
Non-performing
  
PCI
  
Total
 
Real estate loans:
            
     Mortgages
 
$
147,047
  
$
1,648
  
$
35
  
$
148,730
 
     Home Equity
  
58,438
   
255
   
-
   
58,693
 
Consumer
  
10,892
   
109
   
4
   
11,005
 
Total
 
$
216,377
  
$
2,012
  
$
39
  
$
218,428
 
 
2015
 
Performing
  
Non-performing
  
PCI
  
Total
 
Real estate loans:
                
     Mortgages
 
$
139,734
  
$
1,270
  
$
35
  
$
141,039
 
     Home Equity
  
62,236
   
132
   
-
   
62,368
 
Consumer
  
11,470
   
64
   
9
   
11,543
 
Total
 
$
213,440
  
$
1,466
  
$
44
  
$
214,950
 
Age analysis of past due financing receivables
The following table includes an aging analysis of the recorded investment of past due loans as of December 31, 2016 and 2015 (in thousands):
 
 
30-59 Days
  
60-89 Days
  
90 Days
  
Total Past
        
Total Financing
  
90 Days and
 
2016
 
Past Due
  
Past Due
  
Or Greater
  
Due
  
Current
  
PCI
  
Receivables
  
Accruing
 
Real estate loans:
                        
     Mortgages
 
$
630
  
$
36
  
$
1,109
  
$
1,775
  
$
146,920
  
$
35
  
$
148,730
  
$
173
 
     Home Equity
  
384
   
49
   
209
   
642
   
58,051
   
-
   
58,693
   
160
 
     Commercial
  
1,757
   
58
   
4,302
   
6,117
   
244,491
   
1,969
   
252,577
   
-
 
     Agricultural
  
-
   
-
   
1,145
   
1,145
   
121,741
   
738
   
123,624
   
-
 
     Construction
  
-
   
-
   
-
   
-
   
25,441
   
-
   
25,441
   
-
 
Consumer
  
115
   
40
   
83
   
238
   
10,763
   
4
   
11,005
   
67
 
Other commercial loans
  
95
   
35
   
4,004
   
4,134
   
53,884
   
621
   
58,639
   
-
 
Other agricultural loans
  
43
   
34
   
5
   
82
   
23,306
   
-
   
23,388
   
5
 
State and political
                                
   subdivision loans
  
-
   
-
   
-
   
-
   
97,514
   
-
   
97,514
   
-
 
Total
 
$
3,024
  
$
252
  
$
10,857
  
$
14,133
  
$
782,111
  
$
3,367
  
$
799,611
  
$
405
 
 
                                
Loans considered non-accrual
 
$
172
  
$
105
  
$
10,452
  
$
10,729
  
$
725
  
$
-
  
$
11,454
     
Loans still accruing
  
2,852
   
147
   
405
   
3,404
   
781,386
   
3,367
   
788,157
     
Total
 
$
3,024
  
$
252
  
$
10,857
  
$
14,133
  
$
782,111
  
$
3,367
  
$
799,611
     

 
 
30-59 Days
  
60-89 Days
  
90 Days
  
Total Past
        
Total Financing
  
90 Days and
 
2015
 
Past Due
  
Past Due
  
Or Greater
  
Due
  
Current
  
PCI
  
Receivables
  
Accruing
 
Real estate loans:
                        
     Mortgages
 
$
487
  
$
283
  
$
687
  
$
1,457
  
$
139,547
  
$
35
  
$
141,039
  
$
321
 
     Home Equity
  
630
   
15
   
121
   
766
   
61,602
   
-
   
62,368
   
73
 
     Commercial
  
824
   
57
   
4,139
   
5,020
   
230,352
   
2,170
   
237,542
   
60
 
     Agricultural
  
177
   
167
   
-
   
344
   
56,740
   
738
   
57,822
   
-
 
     Construction
  
-
   
-
   
-
   
-
   
15,011
   
-
   
15,011
   
-
 
Consumer
  
239
   
37
   
49
   
325
   
11,209
   
9
   
11,543
   
9
 
Other commercial loans
  
143
   
214
   
1,010
   
1,367
   
55,316
   
866
   
57,549
   
160
 
Other agricultural loans
  
9
   
-
   
-
   
9
   
13,648
   
-
   
13,657
   
-
 
State and political
                                
   subdivision loans
  
-
   
-
   
-
   
-
   
98,500
   
-
   
98,500
   
-
 
Total
 
$
2,509
  
$
773
  
$
6,006
  
$
9,288
  
$
681,925
  
$
3,818
  
$
695,031
  
$
623
 
 
                                
Loans considered non-accrual
 
$
54
  
$
171
  
$
5,383
  
$
5,608
  
$
923
  
$
-
  
$
6,531
     
Loans still accruing
  
2,455
   
602
   
623
   
3,680
   
681,002
   
3,818
   
688,500
     
Total
 
$
2,509
  
$
773
  
$
6,006
  
$
9,288
  
$
681,925
  
$
3,818
  
$
695,031
     
Summary of financing receivables on nonaccrual status
The following table reflects the loans on nonaccrual status as of December 31, 2016 and 2015, respectively. The balances are presented by class of loan (in thousands):
 
 
2016
  
2015
 
Real estate loans:
      
     Mortgages
 
$
1,475
  
$
949
 
     Home Equity
  
95
   
59
 
     Commercial
  
4,445
   
4,422
 
     Agricultural
  
1,340
   
34
 
     Construction
  
-
   
-
 
Consumer
  
42
   
55
 
Other commercial loans
  
4,057
   
1,012
 
Other agricultural loans
  
-
   
-
 
State and political subdivision
  
-
   
-
 
 
        
 
 
$
11,454
  
$
6,531
 
Summary of troubled debt restructurings on financing receivables
Loan modifications that are considered TDRs completed during the years ended December 31, 2016, 2015 and 2014 were as follows (dollars in thousands):
  
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
 
 2016
                  
Real estate loans:
                  
     Commercial
  
-
   
4
  
$
-
  
$
1,188
  
$
-
  
$
1,188
 
     Agricultural
  
-
   
5
   
-
   
1,956
   
-
   
1,956
 
Other commercial loans
  
-
   
3
   
-
   
3,076
   
-
   
3,076
 
Other agricultural loans
  
-
   
7
   
-
   
1,558
   
-
   
1,558
 
Total
  
-
   
19
  
$
-
  
$
7,778
  
$
-
  
$
7,778
 
                         
 2015
                        
Real estate loans:
                        
     Mortgages
  
1
   
1
  
$
71
  
$
19
  
$
71
  
$
19
 
Total
  
1
   
1
  
$
71
  
$
19
  
$
71
  
$
19
 
                         
 2014
                        
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, 2016, 2015 and 2014, respectively, and that subsequently defaulted during these reporting periods (dollars in thousands):
 
 
December 31, 2016
  
December 31, 2015
  
December 31, 2014
 
 
 
Number of
contracts
  
Recorded
investment
  
Number of
 contracts
  
Recorded
investment
  
Number of
contracts
  
Recorded
investment
 
Real estate loans:
                  
     Commercial
  
-
  
$
-
   
-
  
$
-
   
1
  
$
50
 
Total recidivism
  
-
  
$
-
   
-
  
$
-
   
1
  
$
50
 
Roll forward of allowance for loan losses by portfolio segment
The following tables roll forward the balance of the allowance for loan and lease losses for the years ended December 31, 2016, 2015 and 2014 and is segregated into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of December 31, 2016, 2015 and 2014 (in thousands):
 
 
Balance at
December 31, 2015
  
Charge-offs
  
Recoveries
  
Provision
  
Balance at
December 31, 2016
  
Individually
evaluated for impairment
  
Collectively
evaluated for impairment
 
Real estate loans:
                     
     Residential
 
$
905
  
$
(85
)
 
$
-
  
$
244
  
$
1,064
  
$
32
  
$
1,032
 
     Commercial
  
3,376
   
(100
)
  
479
   
(166
)
  
3,589
   
45
   
3,544
 
     Agricultural
  
409
   
-
   
-
   
1,085
   
1,494
   
54
   
1,440
 
     Construction
  
24
   
-
   
-
   
23
   
47
   
-
   
47
 
Consumer
  
102
   
(100
)
  
88
   
32
   
122
   
-
   
122
 
Other commercial loans
  
1,183
   
(55
)
  
33
   
166
   
1,327
   
326
   
1,001
 
Other agricultural loans
  
122
   
-
   
-
   
190
   
312
   
30
   
282
 
State and political
                            
  subdivision loans
  
593
   
-
   
-
   
240
   
833
   
-
   
833
 
Unallocated
  
392
   
-
   
-
   
(294
)
  
98
   
-
   
98
 
Total
 
$
7,106
  
$
(340
)
 
$
600
  
$
1,520
  
$
8,886
  
$
487
  
$
8,399
 
 
                            
 
 
Balance at
December 31, 2014
  
Charge-offs
  
Recoveries
  
Provision
  
Balance at
December 31, 2015
  
Individually
evaluated for
impairment
  
Collectively
evaluated for
impairment
 
Real estate loans:
                            
     Residential
 
$
878
  
$
(66
)
 
$
-
  
$
93
  
$
905
  
$
37
  
$
868
 
     Commercial
  
3,419
   
(84
)
  
14
   
27
   
3,376
   
62
   
3,314
 
     Agricultural
  
451
           
(42
)
  
409
   
-
   
409
 
     Construction
  
26
   
-
   
-
   
(2
)
  
24
   
-
   
24
 
Consumer
  
84
   
(47
)
  
33
   
32
   
102
   
-
   
102
 
Other commercial loans
  
1,007
   
(41
)
  
2
   
215
   
1,183
   
256
   
927
 
Other agricultural loans
  
217
           
(95
)
  
122
       
122
 
State and political
              
-
             
  subdivision loans
  
545
   
-
   
-
   
48
   
593
   
-
   
593
 
Unallocated
  
188
   
-
   
-
   
204
   
392
   
-
   
392
 
Total
 
$
6,815
  
$
(238
)
 
$
49
  
$
480
  
$
7,106
  
$
355
  
$
6,751
 

 
 
Balance at
December 31, 2013
  
Charge-offs
  
Recoveries
  
Provision
  
Balance at
December 31, 2014
  
Individually
evaluated for
impairment
  
Collectively
evaluated for
impairment
 
Real estate loans:
                     
     Residential
 
$
946
  
$
(97
)
 
$
-
  
$
29
  
$
878
  
$
25
  
$
853
 
     Commercial
  
3,983
   
(516
)
  
15
   
(63
)
  
3,419
   
72
   
3,347
 
     Agricultural
  
575
           
(124
)
  
451
       
451
 
     Construction
  
50
   
-
   
-
   
(24
)
  
26
   
-
   
26
 
 
 
Consumer
  
105
   
(47
)
  
27
   
(1
)
  
84
   
-
   
84
 
Other commercial loans
  
686
   
(250
)
  
-
   
571
   
1,007
   
1
   
1,006
 
Other agricultural loans
  
256
           
(39
)
  
217
       
217
 
State and political
              
-
             
  subdivision loans
  
330
   
-
   
-
   
215
   
545
   
-
   
545
 
Unallocated
  
167
   
-
   
-
   
21
   
188
   
-
   
188
 
Total
 
$
7,098
  
$
(910
)
 
$
42
  
$
585
  
$
6,815
  
$
98
  
$
6,717
 
XML 48 R34.htm IDEA: XBRL DOCUMENT v3.7.0.1
PREMISES & EQUIPMENT (Tables)
 12 Months Ended
Dec. 31, 2016
PREMISES & EQUIPMENT [Abstract]  
Summary of premises and equipment
Premises and equipment at December 31, 2016 and 2015 are summarized as follows (in thousands):
 
 
December 31,
 
 
 
2016
  
2015
 
Land
 
$
5,110
  
$
5,110
 
Buildings
  
17,315
   
17,349
 
Furniture, fixtures and equipment
  
6,678
   
6,636
 
Construction in process
  
5
   
88
 
 
  
29,108
   
29,183
 
Less: accumulated depreciation
  
12,078
   
11,920
 
Premises and equipment, net
 
$
17,030
  
$
17,263
 
XML 49 R35.htm IDEA: XBRL DOCUMENT v3.7.0.1
GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)
 12 Months Ended
Dec. 31, 2016
GOODWILL AND OTHER INTANGIBLE ASSETS [Abstract]  
Schedule of gross carrying value and accumulated amortization of intangible assets
The following table provides the gross carrying value and accumulated amortization of intangible assets as of December 31, 2016 and 2015 (in thousands):
 
 
December 31, 2016
  
December 31, 2015
 
 
 
Gross
carrying
value
  
Accumulated amortization
  
Net carrying
value
  
Gross
carrying
value
  
Accumulated
amortization
  
Net
carrying
value
 
Amortized intangible assets (1):
                  
MSRs
 
$
1,471
  
$
(787
)
 
$
684
  
$
1,336
  
$
(638
)
 
$
698
 
Core deposit intangibles
  
1,641
   
(320
)
  
1,321
   
1,641
   
(25
)
  
1,616
 
Covenant not to compete
  
125
   
(34
)
  
91
   
125
   
(2
)
  
123
 
Total amortized intangible assets
 
$
3,237
  
$
(1,141
)
 
$
2,096
  
$
3,102
  
$
(665
)
 
$
2,437
 
Unamortized intangible assets:
                        
Goodwill
 
$
21,089
          
$
21,089
         
(1) Excludes fully amortized intangible assets
                        
Schedule of future amortization expense for amortized intangible assets
The following table provides the current year and estimated future amortization expense for the next five years of amortized intangible assets (in thousands). We based our projections of amortization expense shown below on existing asset balances at December 31, 2016. Future amortization expense may vary from these projections:

 
 
MSRs
  
Core deposit intangibles
  
Covenant not to compete
  
Total
 
Year ended December 31, 2016 (actual)
 
$
173
  
$
295
  
$
32
  
$
500
 
Estimate for year ended December 31,
                
2017
  
177
   
266
   
31
   
474
 
2018
  
143
   
236
   
30
   
409
 
2019
  
113
   
206
   
30
   
349
 
2020
  
87
   
177
   
-
   
264
 
2021
  
64
   
147
   
-
   
211
 
XML 50 R36.htm IDEA: XBRL DOCUMENT v3.7.0.1
DEPOSITS (Tables)
 12 Months Ended
Dec. 31, 2016
DEPOSITS [Abstract]  
Summary of deposits
The following table shows the breakdown of deposits as of December 31, 2016 and 2015, by deposit type (in thousands):
 
 
 
2016
  
2015
 
Non-interest-bearing deposits
 
$
147,425
  
$
150,960
 
NOW accounts
  
305,862
   
279,655
 
Savings deposits
  
170,722
   
170,277
 
Money market deposit accounts
  
116,880
   
105,229
 
Certificates of deposit
  
264,614
   
281,910
 
Total
 
$
1,005,503
  
$
988,031
 
Maturities of certificates of deposit
Following are maturities of certificates of deposit as of December 31, 2016 (in thousands):
2017
 
$
128,641
 
2018
  
47,673
 
2019
  
35,722
 
2020
  
25,036
 
2021
  
22,587
 
Thereafter
  
4,955
 
Total certificates of deposit
 
$
264,614
 
XML 51 R37.htm IDEA: XBRL DOCUMENT v3.7.0.1
BORROWED FUNDS AND REPURCHASE AGREEMENTS (Tables)
 12 Months Ended
Dec. 31, 2016
BORROWED FUNDS AND REPURCHASE AGREEMENTS [Abstract]  
Borrowed funds
The following table shows the breakdown of borrowed funds as of December 31, 2016 and 2015, (dollars in thousands):
 
 
Securities
                   
 
 
Sold Under
                 
Total
 
 
 
Agreements to
  
FHLB
  
Federal Funds
  
FRB
  
Notes
  
Term
  
Borrowed
 
 
 
Repurchase(a)
  
Advances(b)
  
Line (c)
  
BIC Line (d)
  
Payable(e)
  
Loans(f)
  
Funds
 
2016
                     
Balance at December 31
 
$
14,307
  
$
41,330
  
$
-
  
$
-
  
$
7,500
  
$
16,525
  
$
79,662
 
Highest balance at any month-end
  
16,132
   
45,125
   
-
   
-
   
7,500
   
16,525
   
85,282
 
Average balance
  
15,057
   
7,917
   
2
   
3
   
7,500
   
16,525
   
47,004
 
Weighted average interest rate:
                            
    Paid during the year
  
0.49
%
  
0.63
%
  
0.76
%
  
1.00
%
  
3.55
%
  
2.44
%
  
1.69
%
    As of year-end
  
0.67
%
  
0.74
%
  
0.00
%
  
0.00
%
  
3.79
%
  
2.44
%
  
1.36
%
2015
                            
Balance at December 31
 
$
16,008
  
$
1,598
  
$
-
  
$
-
  
$
7,500
  
$
16,525
  
$
41,631
 
Highest balance at any month-end
  
16,008
   
26,996
   
-
   
-
   
7,500
   
20,569
   
71,073
 
Average balance
  
5,998
   
5,218
   
-
   
-
   
7,500
   
17,984
   
36,700
 
Weighted average interest rate:
                            
    Paid during the year
  
0.82
%
  
0.35
%
  
0.00
%
  
0.77
%
  
3.14
%
  
2.25
%
  
1.93
%
    As of year-end
  
0.45
%
  
0.43
%
  
0.00
%
  
0.00
%
  
3.33
%
  
2.40
%
  
1.74
%

(a)    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.
(b)    FHLB Advances consist of an "Open RepoPlus" agreement with the FHLB of Pittsburgh. FHLB "Open RepoPlus" advances are short-term borrowings that bear interest based on the FHLB discount rate or Federal Funds rate, whichever is higher.  The Company has a borrowing limit of $343,209,000, inclusive of any outstanding advances. FHLB advances are secured by a blanket security agreement that includes the Company's FHLB stock, as well as certain investment and mortgage-backed securities held in safekeeping at the FHLB and certain residential and commercial mortgage loans.
(c)    The federal funds line consists of an unsecured line from a third party bank at market rates.  The Company has a borrowing limit of $10,000,000, inclusive of any outstanding balances.  No specific collateral is required to be pledged for these borrowings.
(d)    The Federal Reserve Bank Borrower in Custody (FRB BIC) Line consists of a borrower in custody in agreement open in January 2010 with the Federal Reserve Bank of Philadelphia secured by municipal loans maintained in the Company's possession.  As of December 31, 2016 and 2015, the Company has a borrowing limit of $4,360,000 and $7,949,000, respectively, inclusive of any outstanding advances. The approximate carrying value of the municipal loan collateral was $15,560,000 and $16,146,000 as of December 31, 2016 and 2015, respectively.
(e)    In December 2003, the Company formed a special purpose entity ("Entity") to issue $7,500,000 of floating rate obligated mandatory redeemable trust preferred securities as part of a pooled offering.  The rate was determined quarterly and floated based on the 3 month LIBOR plus 2.80.   The Entity may redeem them, in whole or in part, at face value after December 17, 2008, and on a quarterly basis thereafter.  The Company borrowed the proceeds of the issuance from the Entity in December 2003 in the form of a $7,500,000 note payable.  Debt issue costs of $75,000 have been capitalized and fully amortized as of December 31, 2008.  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.
(f)    Term Loans consist of separate loans with the FHLB of Pittsburgh as follows (in thousands):
Remaining contractual maturity of the repurchase agreements
The collateral pledged on the repurchase agreements by the remaining contractual maturity of the repurchase agreements in the Consolidated Balance Sheets as of December 31, 2016 and December 31, 2015 is presented in the following tables.

  
Remaining Contractual Maturity of the Agreements
 
  
Overnight and
  
Up to
     
Greater than
    
2016
 
Continuous
  
30 Days
  
30 - 90 Days
  
90 days
  
Total
 
Repurchase Agreements:
               
U.S. agency securities
 
$
16,118
  
$
-
  
$
-
  
$
2,059
  
$
18,177
 
Total carrying value of collateral pledged
 
$
16,118
  
$
-
  
$
-
  
$
2,059
  
$
18,177
 
                     
Total liability recognized for repurchase agreements
                 
$
14,307
 
                     
2015
                    
Repurchase Agreements:
                    
U.S. agency securities
 
$
18,144
  
$
-
  
$
-
  
$
2,049
  
$
20,193
 
Total carrying value of collateral pledged
 
$
18,144
  
$
-
  
$
-
  
$
2,049
  
$
20,193
 
                     
Total liability recognized for repurchase agreements
                 
$
16,008
 
Federal Home Loan Bank loans by branch
Term Loans consist of separate loans with the FHLB of Pittsburgh as follows (in thousands):
   
  
 
December 31,
  
December 31,
 
Interest Rate
  
Maturity
 
2016
  
2015
 
Fixed:
  
 
      
 
2.29
%
 
October 2, 2017
  
2,000
   
2,000
 
 
2.72
%
 
July 12, 2018
  
1,000
   
1,000
 
 
1.87
%
 
February 4, 2019
  
2,000
   
2,000
 
 
2.61
%
 
February 3, 2021
  
2,000
   
2,000
 
 
3.52
%
 
July 12, 2021
  
2,000
   
2,000
 
 
2.37
%
 
August 20, 2021
  
2,800
   
2,800
 
 
2.08
%
 
January 6, 2022
  
4,725
   
4,725
 
Total term loans
 
$
16,525
  
$
16,525
 
Maturities of borrowed funds
Following are maturities of borrowed funds as of December 31, 2016 (in thousands):
2017
 
$
64,033
 
2018
  
1,000
 
2019
  
2,000
 
2020
  
570
 
2021
  
7,334
 
Thereafter
  
4,725
 
Total borrowed funds
 
$
79,662
 
XML 52 R38.htm IDEA: XBRL DOCUMENT v3.7.0.1
EMPLOYEE BENEFIT PLANS (Tables)
 12 Months Ended
Dec. 31, 2016
EMPLOYEE BENEFIT PLANS [Abstract]  
Obligation and net funded status
The following table sets forth the obligation and funded status as of December 31 (in thousands):
 
 
2016
  
2015
 
       
Change in benefit obligation
      
Benefit obligation at beginning of year
 
$
17,809
  
$
11,777
 
Benefit obligation acquired as part of FNB acquisition
  
-
   
6,377
 
Service cost
  
345
   
352
 
Interest cost
  
692
   
424
 
Actuarial (Gain) / Loss
  
439
   
(456
)
Benefits paid
  
(682
)
  
(665
)
Benefit obligation at end of year
  
18,603
   
17,809
 
         
Change in plan assets
        
Fair value of plan assets at beginning of year
  
14,786
   
11,039
 
Fair value of plan assets at acquisition
  
-
   
4,053
 
Actual return (loss) on plan assets
  
864
   
(41
)
Employer contribution
  
818
   
400
 
Benefits paid
  
(682
)
  
(665
)
Fair value of plan assets at end of year
  
15,786
   
14,786
 
         
Funded status
 
$
(2,817
)
 
$
(3,023
)
Amounts not yet recognized as a component of net periodic pension cost as of December 31 (in thousands):

Amounts recognized in accumulated other
      
comprehensive loss consists of:
 
2016
  
2015
 
Net loss
 
$
4,263
  
$
3,919
 
Prior service cost
  
(175
)
  
(222
)
Total
 
$
4,088
  
$
3,697
 
Components of net periodic benefit costs
The components of net periodic benefit costs for the years ended December 31 are as follows (in thousands):
 
 
2016
  
2015
  
2014
 
          
Service cost
 
$
345
  
$
352
  
$
307
 
Interest cost
  
692
   
424
   
415
 
Return on plan assets
  
(1,034
)
  
(791
)
  
(786
)
Net amortization and deferral
  
219
   
205
   
51
 
Net periodic benefit cost
 
$
222
  
$
190
  
$
(13
)
Weighted-average assumptions used to determine benefit obligations and net periodic benefit cost (income)
The weighted-average assumptions used to determine benefit obligations at December 31, 2016 and 2015 is summarized in the following table. The change in the discount rate is the primary driver of the actuarial loss that occurred in 2016 of $439,000.
 
 
 
2016
 
2015
Discount rate
 
3.78%
 
3.94%
Rate of compensation increase
 
3.00%
 
3.00%
The weighted-average assumptions used to determine net periodic benefit cost (income) for the year ended December 31:
 
 
 
2016
 
2015
 
          2014
Discount rate
 
3.94%
 
3.61%
 
4.30%
Expected long-term return on plan assets
 
7.00%
 
7.00%
 
7.50%
Rate of compensation increase
 
3.00%
 
3.00%
 
3.00%
Fair value of plan assets
The following table sets forth by level, within the fair value hierarchy as defined in footnote 17, the Plan's assets at fair value as of December 31, 2016 and 2015 (in thousands):
2016
 
Level I
  
Level II
  
Level III
  
Total
  
Allocation
 
Assets
               
     Cash and cash equivalents
 
$
863
  
$
-
  
$
-
  
$
863
   
5.5
%
     Equity securities
  
5,404
   
-
   
-
   
5,404
   
34.1
%
     Mutual funds and ETF's
  
5,235
   
-
   
-
   
5,235
   
33.2
%
     Corporate bonds
  
-
   
3,641
   
-
   
3,641
   
23.1
%
     Municipal bonds
      
107
       
107
   
0.7
%
     U.S. Agency securities
  
-
   
536
   
-
   
536
   
3.4
%
     Total
 
$
11,502
  
$
4,284
  
$
-
  
$
15,786
   
100.0
%

2015
 
Level I
  
Level II
  
Level III
  
Total
  
Allocation
 
Assets
               
     Cash and cash equivalents
 
$
1,704
  
$
-
  
$
-
  
$
1,704
   
11.5
%
     Equity securities
  
3,821
   
-
   
-
   
3,821
   
25.8
%
     Mutual funds and ETF's
  
6,085
   
-
   
-
   
6,085
   
41.3
%
     Corporate bonds
  
-
   
3,019
   
-
   
3,019
   
20.4
%
     Municipal bonds
      
107
       
107
   
0.7
%
     U.S. Agency securities
  
-
   
50
   
-
   
50
   
0.3
%
     Total
 
$
11,610
  
$
3,176
  
$
-
  
$
14,786
   
100.0
%
Expected future benefit payments
The Bank expects to contribute $520,000 to its pension plans in 2017.  Expected future benefit payments that the Bank estimates from its pension plan are as follows (in thousands):
2017
 
$
733
 
2018
  
591
 
2019
  
1,820
 
2020
  
1,549
 
2021
  
1,403
 
2022 - 2026
  
7,407
 
Schedule of vesting, awarding and forfeiting of restricted shares
The following table details the vesting, awarding and forfeiting of restricted shares during 2016:
 
 
2016
 
 
    
Weighted
 
 
    
Average
 
 
 
Shares
  
Market Price
 
Outstanding, beginning of year
  
8,269
  
$
49.98
 
Granted
  
4,110
   
48.13
 
Forfeited
  
(90
)
  
49.26
 
Increase due to stock dividends
  
-
   
-
 
Vested
  
(3,818
)
  
49.95
 
Outstanding, end of year
  
8,471
  
$
49.10
 
XML 53 R39.htm IDEA: XBRL DOCUMENT v3.7.0.1
INCOME TAXES (Tables)
 12 Months Ended
Dec. 31, 2016
INCOME TAXES [Abstract]  
Provision for income taxes (benefit)
The provision for income taxes consists of the following (in thousands):
 
 
Year Ended December 31,
 
 
 
2016
  
2015
  
2014
 
Currently payable
 
$
2,672
  
$
2,913
  
$
3,081
 
Deferred tax liability (asset)
  
362
   
(192
)
  
478
 
Provision for income taxes
 
$
3,034
  
$
2,721
  
$
3,559
 
Deferred tax assets
The following temporary differences gave rise to the net deferred tax asset and liabilities at December 31, 2016 and 2015, respectively (in thousands):
 
 
2016
  
2015
 
Deferred tax assets:
      
    Allowance for loan losses
 
$
4,518
  
$
4,238
 
    Deferred compensation
  
757
   
772
 
    Merger & acquisition costs
  
16
   
20
 
    Allowance for losses on available-for-sale securities
  
250
   
436
 
    Pension and other retirement obligation
  
1,454
   
1,483
 
    Interest on non-accrual loans
  
1,259
   
1,001
 
    Incentive plan accruals
  
421
   
362
 
    Other real estate owned
  
152
   
136
 
    Low income housing tax credits
  
94
   
63
 
    NOL carry forward
  
709
   
950
 
    AMT Credit Carryforward
  
8
   
152
 
    Other
  
156
   
157
 
          Total
 
$
9,794
  
$
9,770
 
 
        
Deferred tax liabilities:
        
    Premises and equipment
 
$
(998
)
 
$
(919
)
    Investment securities accretion
  
(189
)
  
(177
)
    Loan fees and costs
  
(369
)
  
(154
)
    Goodwill and core deposit intangibles
  
(3,573
)
  
(3,594
)
    Mortgage servicing rights
  
(233
)
  
(238
)
    Unrealized gains on available-for-sale securities
  
(673
)
  
(1,135
)
    Other
  
(17
)
  
(44
)
           Total
  
(6,052
)
  
(6,261
)
Deferred tax asset, net
 
$
3,742
  
$
3,509
 
Reconciliation of statutory tax rates to effective tax rates
The total provision for income taxes is different from that computed at the statutory rates due to the following items (in thousands):
 
 
Year Ended December 31,
 
 
 
2016
  
2015
  
2014
 
Provision at statutory rates on
         
  pre-tax income
 
$
5,328
  
$
4,878
  
$
5,761
 
Effect of tax-exempt income
  
(1,943
)
  
(1,915
)
  
(1,865
)
Low income housing tax credits
  
(198
)
  
(198
)
  
(198
)
Bank owned life insurance
  
(234
)
  
(214
)
  
(172
)
Nondeductible interest
  
55
   
61
   
60
 
Nondeductible merger and acquisition expenses
  
-
   
102
   
-
 
Other items
  
26
   
7
   
(27
)
Provision for income taxes
 
$
3,034
  
$
2,721
  
$
3,559
 
Statutory tax rates
  
34
%
  
34
%
  
34
%
Effective tax rates
  
19.4
%
  
19.0
%
  
21.0
%
XML 54 R40.htm IDEA: XBRL DOCUMENT v3.7.0.1
OTHER COMPREHENSIVE INCOME (Tables)
 12 Months Ended
Dec. 31, 2016
OTHER COMPREHENSIVE INCOME [Abstract]  
Components of accumulated other comprehensive loss, net of tax
The components of accumulated other comprehensive loss, net of tax, as of December 31, were as follows (in thousands):
 
 
2016
  
2015
 
Net unrealized gain on securities available for sale
 
$
1,979
  
$
3,339
 
Tax effect
  
673
   
1,135
 
Net -of-tax amount
  
1,306
   
2,204
 
         
Unrecognized pension costs
  
(4,088
)
  
(3,697
)
Tax effect
  
(1,390
)
  
(1,257
)
Net -of-tax amount
  
(2,698
)
  
(2,440
)
         
Total accumulated other comprehensive loss
 
$
(1,392
)
 
$
(236
)
Schedule of the significant amounts reclassified out of each component of accumulated other comprehensive income
The following tables present the changes in accumulated other comprehensive loss by component net of tax for the years ended December 31, 2016, 2015 and 2014 (in thousands):
  
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)
  
3,608
   
(1,243
)
  
2,365
 
Amounts reclassified from accumulated other
            
     comprehensive income (loss) (net of tax)
  
(407
)
  
34
   
(373
)
Net current period other comprehensive income (loss)
  
3,201
   
(1,209
)
  
1,992
 
Balance as of December 31, 2014
 
$
3,093
  
$
(2,326
)
 
$
767
 
             
Balance as of December 31, 2014
 
$
3,093
  
$
(2,326
)
 
$
767
 
Other comprehensive loss before reclassifications (net of tax)
  
(606
)
  
(249
)
  
(855
)
Amounts reclassified from accumulated other
            
     comprehensive income (loss) (net of tax)
  
(283
)
  
135
   
(148
)
Net current period other comprehensive loss
  
(889
)
  
(114
)
  
(1,003
)
Balance as of December 31, 2015
 
$
2,204
  
$
(2,440
)
 
$
(236
)
             
Balance as of December 31, 2015
 
$
2,204
  
$
(2,440
)
 
$
(236
)
Other comprehensive loss before reclassifications (net of tax)
  
(730
)
  
(403
)
  
(1,133
)
Amounts reclassified from accumulated other
            
     comprehensive loss (net of tax)
  
(168
)
  
145
   
(23
)
Net current period other comprehensive loss
  
(898
)
  
(258
)
  
(1,156
)
Balance as of December 31, 2016
 
$
1,306
  
$
(2,698
)
 
$
(1,392
)
             
(a) Amounts in parentheses indicate debits on the consolidated balance sheet.
         
The following table presents the significant amounts reclassified out of each component of accumulated other comprehensive loss for the years ended December 31, 2016, 2015 and 2014:
Details about accumulated other comprehensive loss
 
Amount reclassified from accumulated comprehensive loss (a)
 
Affected line item in the Consolidated Statement of Income
  
December 31,
  
  
2016
  
2015
  
2014
  
Unrealized gains and losses on available for sale securities
             
  
$
255
  
$
429
  
$
616
 
Investment securities gains, net
   
(87
)
  
(146
)
  
(209
)
Provision for income taxes
  
$
168
  
$
283
  
$
407
 
Net of tax
                  
Defined benefit pension items
                
  
$
(219
)
 
$
(205
)
 
$
(51
)
Salaries and employee benefits
   
74
   
70
   
17
 
Provision for income taxes
  
$
(145
)
 
$
(135
)
 
$
(34
)
Net of tax
Total reclassifications
 
$
23
  
$
148
  
$
373
  
                  
(a) Amounts in parentheses indicate debits.
       
XML 55 R41.htm IDEA: XBRL DOCUMENT v3.7.0.1
RELATED PARTY TRANSACTIONS (Tables)
 12 Months Ended
Dec. 31, 2016
RELATED PARTY TRANSACTIONS [Abstract]  
Summary of loan activity with officers, directors, stockholders and associates
A summary of loan activity for the years ended December 31, 2016 and 2015 with officers, directors, stockholders and associates of such persons is listed below (in thousands):
  
Year Ended December 31,
 
 
 
2016
  
2015
 
Balance, beginning of year
 
$
5,343
  
$
4,314
 
  New loans
  
4,512
   
5,828
 
  Repayments
  
(4,285
)
  
(4,799
)
Balance, end of year
 
$
5,570
  
$
5,343
 
XML 56 R42.htm IDEA: XBRL DOCUMENT v3.7.0.1
REGULATORY MATTERS (Tables)
 12 Months Ended
Dec. 31, 2016
REGULATORY MATTERS [Abstract]  
Capital ratios under banking regulations
The Company and Bank's computed risk‑based capital ratios are as follows as of December 31, 2016 and 2015 (dollars in thousands):
 
 
 
Actual
  
For Capital Adequacy
Purposes
  
To Be Well Capitalized
Under Prompt Corrective
Action Provisions
 
2016
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
Total Capital (to Risk Weighted Assets):
 
Company
 
$
121,717
   
14.93
%
 
$
65,217
   
8.00
%
 
$
81,522
   
10.00
%
  Bank
 
$
117,537
   
14.46
%
 
$
65,020
   
8.00
%
 
$
81,275
   
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
 
Company
 
$
112,599
   
13.81
%
 
$
48,913
   
6.00
%
 
$
65,217
   
8.00
%
  Bank
 
$
108,419
   
13.34
%
 
$
48,765
   
6.00
%
 
$
65,020
   
8.00
%
Common Equity Tier 1 Capital (to Risk Weighted Assets):
 
Company
 
$
105,099
   
12.89
%
 
$
36,685
   
4.50
%
 
$
52,989
   
6.50
%
  Bank
 
$
108,419
   
13.34
%
 
$
36,574
   
4.50
%
 
$
52,829
   
6.50
%
Tier 1 Capital (to Average Assets):
 
Company
 
$
112,599
   
9.46
%
 
$
47,586
   
4.00
%
 
$
59,483
   
5.00
%
  Bank
 
$
108,419
   
9.13
%
 
$
39,006
   
4.00
%
 
$
48,757
   
5.00
%
 
                        
2015
                        
Total Capital (to Risk Weighted Assets):
 
Company
 
$
114,886
   
16.23
%
 
$
56,630
   
8.00
%
 
$
70,787
   
10.00
%
  Bank
 
$
108,232
   
15.34
%
 
$
56,443
   
8.00
%
 
$
70,554
   
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
 
Company
 
$
107,612
   
15.20
%
 
$
42,472
   
6.00
%
 
$
56,630
   
8.00
%
  Bank
 
$
100,958
   
14.31
%
 
$
42,332
   
6.00
%
 
$
56,443
   
8.00
%
Common Equity Tier 1 Capital (to Risk Weighted Assets):
 
Company
 
$
100,112
   
14.14
%
 
$
31,854
   
4.50
%
 
$
46,012
   
6.50
%
  Bank
 
$
100,958
   
14.31
%
 
$
31,749
   
4.50
%
 
$
45,860
   
6.50
%
Tier 1 Capital (to Average Assets):
 
Company
 
$
107,612
   
11.01
%
 
$
39,083
   
4.00
%
 
$
48,854
   
5.00
%
  Bank
 
$
100,958
   
10.35
%
 
$
39,006
   
4.00
%
 
$
48,757
   
5.00
%
XML 57 R43.htm IDEA: XBRL DOCUMENT v3.7.0.1
COMMITMENTS AND CONTINGENT LIABILITIES (Tables)
 12 Months Ended
Dec. 31, 2016
COMMITMENTS AND CONTINGENT LIABILITIES [Abstract]  
Financial instruments whose contract amounts represent credit risk
Financial instruments, whose contract amounts represent credit risk at December 31, 2016 and 2015, are as follows (in thousands):
 
 
 
2016
  
2015
 
Commitments to extend credit
 
$
206,505
  
$
143,134
 
Standby letters of credit
  
14,955
   
13,751
 
 
 
$
221,460
  
$
156,885
 
XML 58 R44.htm IDEA: XBRL DOCUMENT v3.7.0.1
OPERATING LEASES (Tables)
 12 Months Ended
Dec. 31, 2016
OPERATING LEASES [Abstract]  
Future minimum rental payments under operating leases
The following schedule shows future minimum rental payments under operating leases with noncancellable terms in excess of one year as of December 31, 2016 (in thousands):
2017
 
$
251
 
2018
  
253
 
2019
  
259
 
2020
  
152
 
2021
  
104
 
Thereafter
  
241
 
Total
 
$
1,260
 
XML 59 R45.htm IDEA: XBRL DOCUMENT v3.7.0.1
FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)
 12 Months Ended
Dec. 31, 2016
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]  
Summary of assets measured at fair value on a recurring basis
The following tables present the assets reported on the consolidated balance sheet at their fair value on a recurring basis as of December 31, 2016 and 2015 (in thousands) by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.
2016 
 
Level I
  
Level II
  
Level III
  
Total
 
Fair value measurements on a recurring basis:
            
Securities available for sale:
            
     U.S. Agency securities
 
$
-
  
$
170,414
  
$
-
  
$
170,414
 
     U.S. Treasuries securities
  
3,000
   
-
   
-
   
3,000
 
     Obligations of state and
                
       political subdivisions
  
-
   
96,926
   
-
   
96,926
 
     Corporate obligations
  
-
   
3,050
   
-
   
3,050
 
     Mortgage-backed securities in
                
       government sponsored entities
  
-
   
37,728
   
-
   
37,728
 
     Equity securities in financial institutions
  
2,899
   
-
   
-
   
2,899
 

 2015
 
Level I
  
Level II
  
Level III
  
Total
 
Fair value measurements on a recurring basis:
            
Securities available for sale:
            
     U.S. Agency securities
 
$
-
  
$
199,591
  
$
-
  
$
199,591
 
     U.S. Treasuries securities
  
10,082
   
-
   
-
   
10,082
 
     Obligations of state and
                
       political subdivisions
  
-
   
102,863
   
-
   
102,863
 
     Corporate obligations
  
-
   
14,565
   
-
   
14,565
 
     Mortgage-backed securities in
                
       government sponsored entities
  
-
   
30,204
   
-
   
30,204
 
     Equity securities in financial institutions
  
2,432
   
-
   
-
   
2,432
 
Summary of assets measured at fair value on non-recurring basis
Assets measured at fair value on a nonrecurring basis as of December 31, 2016 and 2015 (in thousands) are included in the table below:
 2016
 
Level I
  
Level II
  
Level III
  
Total
 
Impaired Loans
 
$
-
  
$
-
  
$
2,033
  
$
2,033
 
Other real estate owned
  
-
   
-
   
839
   
839
 
 
                
 2015
 
Level I
  
Level II
  
Level III
  
Total
 
Impaired Loans
 
$
-
  
$
-
  
$
894
  
$
894
 
Other real estate owned
  
-
   
-
   
1,197
   
1,197
 
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.
Quantitative Information about Level 3 Fair Value Measurements
2016
Fair Value
 
Valuation Technique(s)
Unobservable input
Range
Weighted average
Impaired Loans
    2,033
 
Appraised Collateral Values
Discount for time since appraisal
0-65%
28.98%
 
 
 
 
Selling costs
5%-9%
7.56%
 
 
 
 
Holding period
6 - 12 months
11 months
 
 
 
 
 
 
 
Other real estate owned
       839
 
Appraised Collateral Values
Discount for time since appraisal
10-67%
25.45%
 
 
 
 
 
 
 
2015
Fair Value
 
Valuation Technique(s)
Unobservable input
Range
Weighted average
Impaired Loans
       894
 
Appraised Collateral Values
Discount for time since appraisal
0-70%
46.50%
 
 
 
 
Selling costs
4%-10%
7.75%
 
 
 
 
Holding period
12 months
10 months
 
 
 
 
 
 
 
Other real estate owned
    1,197
 
Appraised Collateral Values
Discount for time since appraisal
0-75%
25%
Fair value of financial instruments
The fair values of the Company's financial instruments are as follows (in thousands):
 
 
Carrying
             
December 31, 2016
 
Amount
  
Fair Value
  
Level I
  
Level II
  
Level III
 
Financial assets:
               
Cash and due from banks
 
$
17,754
  
$
17,754
  
$
17,754
  
$
-
  
$
-
 
Interest bearing time deposits with other banks
  
6,955
   
6,960
   
-
   
-
   
6,960
 
Available-for-sale securities
  
314,017
   
314,017
   
5,899
   
308,118
   
-
 
Loans held for sale
  
1,827
   
1,827
   
1,827
   
-
   
-
 
Net loans
  
790,725
   
797,184
   
-
   
-
   
797,184
 
Bank owned life insurance
  
26,223
   
26,223
   
26,223
   
-
   
-
 
Regulatory stock
  
5,306
   
5,306
   
5,306
   
-
   
-
 
Accrued interest receivable
  
4,089
   
4,089
   
4,089
   
-
   
-
 
 
                    
Financial liabilities:
                    
Deposits
 
$
1,005,503
  
$
1,004,072
  
$
740,889
  
$
-
  
$
263,183
 
Borrowed funds
  
79,662
   
77,425
   
41,330
   
-
   
36,095
 
Accrued interest payable
  
720
   
720
   
720
   
-
   
-
 
  
Carrying
             
December 31, 2015
 
Amount
  
Fair Value
  
Level I
  
Level II
  
Level III
 
Financial assets:
               
Cash and due from banks
 
$
24,384
  
$
24,384
  
$
24,384
  
$
-
  
$
-
 
Interest bearing time deposits with other banks
  
7,696
   
7,705
   
-
   
-
   
7,705
 
Available-for-sale securities
  
359,737
   
359,737
   
12,514
   
347,223
   
-
 
Loans held for sale
  
603
   
603
   
603
         
Net loans
  
687,925
   
712,524
   
-
   
-
   
712,524
 
Bank owned life insurance
  
25,535
   
25,535
   
25,535
   
-
   
-
 
Regulatory stock
  
3,459
   
3,459
   
3,459
   
-
   
-
 
Accrued interest receivable
  
4,211
   
4,211
   
4,211
   
-
   
-
 
                     
Financial liabilities:
                    
Deposits
 
$
988,031
  
$
987,542
  
$
706,121
  
$
-
  
$
281,421
 
Borrowed funds
  
41,631
   
38,863
   
1,598
   
-
   
37,265
 
Accrued interest payable
  
734
   
734
   
734
   
-
   
-
 
XML 60 R46.htm IDEA: XBRL DOCUMENT v3.7.0.1
CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY (Tables)
 12 Months Ended
Dec. 31, 2016
CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY [Abstract]  
Condensed financial information
The following is condensed financial information for Citizens Financial Services, Inc.:
CITIZENS FINANCIAL SERVICES, INC.
 
CONDENSED BALANCE SHEET
 
 
 
December 31,
 
(in thousands)
 
2016
  
2015
 
Assets:
      
  Cash
 
$
2,245
  
$
4,593
 
  Available-for-sale securities
  
2,735
   
2,332
 
  Investment in subsidiary:
        
    First Citizens Community Bank
  
125,973
   
120,370
 
  Other assets
  
564
   
557
 
Total assets
 
$
131,517
  
$
127,852
 
 
        
Liabilities:
        
  Other liabilities
 
$
749
  
$
592
 
  Borrowed funds
  
7,500
   
7,500
 
Total liabilities
  
8,249
   
8,092
 
Stockholders' equity
  
123,268
   
119,760
 
Total liabilities and stockholders' equity
 
$
131,517
  
$
127,852
 

CITIZENS FINANCIAL SERVICES, INC.
 
CONDENSED STATEMENT OF INCOME
 
 
 
Year Ended December 31,
 
(in thousands)
 
2016
  
2015
  
2014
 
Dividends from:
         
  Bank subsidiary
 
$
5,842
  
$
5,582
  
$
14,332
 
  Available-for-sale securities
  
92
   
71
   
56
 
Total income
  
5,934
   
5,653
   
14,388
 
Realized securities gains
  
31
   
76
   
-
 
Expenses
  
463
   
892
   
555
 
Income before equity
            
  in undistributed earnings
            
  of subsidiary
  
5,502
   
4,837
   
13,833
 
Equity in undistributed
            
  earnings - First Citizens Community Bank
  
7,136
   
6,789
   
(448
)
Net income
 
$
12,638
  
$
11,626
  
$
13,385
 
Comprehensive income
 
$
11,482
  
$
10,623
  
$
15,377
 

CITIZENS FINANCIAL SERVICES, INC.
 
STATEMENT OF CASH FLOWS
 
 
 
Year Ended December 31,
 
(in thousands)
 
2016
  
2015
  
2014
 
Cash flows from operating activities:
         
  Net income
 
$
12,638
  
$
11,626
  
$
13,385
 
  Adjustments to reconcile net income to net
            
      cash provided by operating activities:
            
        Equity in undistributed earnings of subsidiaries
  
(7,136
)
  
(6,789
)
  
448
 
        Investment securities gains
  
(31
)
  
(76
)
  
-
 
        Other, net
  
289
   
322
   
174
 
          Net cash provided by operating activities
  
5,760
   
5,083
   
14,007
 
Cash flows from investing activities:
            
  Purchases of available-for-sale securities
  
(1
)
  
(901
)
  
(602
)
  Proceeds from the sale of available-for-sale securities
  
201
   
113
   
-
 
          Net cash provided by (used in) investing activities
  
200
   
(788
)
  
(602
)
Cash flows from financing activities:
            
  Cash dividends paid
  
(5,081
)
  
(5,151
)
  
(6,121
)
  Purchase of treasury stock
  
(3,227
)
  
(2,455
)
  
(814
)
  Purchase of restricted stock
  
-
   
(7
)
  
(170
)
          Net cash used in financing activities
  
(8,308
)
  
(7,613
)
  
(7,105
)
          Net decrease in cash
  
(2,348
)
  
(3,318
)
  
6,300
 
Cash at beginning of year
  
4,593
   
7,911
   
1,611
 
Cash at end of year
 
$
2,245
  
$
4,593
  
$
7,911
 
XML 61 R47.htm IDEA: XBRL DOCUMENT v3.7.0.1
CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) (Tables)
 12 Months Ended
Dec. 31, 2016
CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) [Abstract]  
Consolidated condensed quarterly data
The following table presents summarized quarterly financial data for 2016 and 2015:
(in thousands, except share data)
    
Three Months Ended,
    
2016
 
Mar 31
  
June 30
  
Sep 30
  
Dec 31
 
Interest income
 
$
10,462
  
$
10,426
  
$
10,948
  
$
11,169
 
Interest expense
  
1,257
   
1,255
   
1,236
   
1,293
 
Net interest income
  
9,205
   
9,171
   
9,712
   
9,876
 
Provision for loan losses
  
135
   
135
   
500
   
750
 
Non-interest income
  
1,889
   
1,855
   
1,908
   
1,992
 
Investment securities gains, net
  
27
   
128
   
-
   
100
 
Non-interest expenses
  
6,912
   
7,301
   
7,200
   
7,258
 
Income before provision for income taxes
  
4,074
   
3,718
   
3,920
   
3,960
 
Provision for income taxes
  
791
   
687
   
767
   
789
 
Net income
 
$
3,283
  
$
3,031
  
$
3,153
  
$
3,171
 
Earnings Per Share Basic
 
$
0.98
  
$
0.91
  
$
0.94
  
$
0.95
 
Earnings Per Share Diluted
 
$
0.98
  
$
0.91
  
$
0.94
  
$
0.95
 

 
    
Three Months Ended,
    
2015
 
Mar 31
  
June 30
  
Sep 30
  
Dec 31
 
Interest income
 
$
8,771
  
$
8,768
  
$
8,863
  
$
9,251
 
Interest expense
  
1,184
   
1,207
   
1,218
   
1,211
 
Net interest income
  
7,587
   
7,561
   
7,645
   
8,040
 
Provision for loan losses
  
120
   
120
   
120
   
120
 
Non-interest income
  
1,602
   
1,780
   
1,736
   
1,876
 
Investment securities gains, net
  
126
   
175
   
129
   
(1
)
Non-interest expenses
  
5,335
   
5,428
   
5,852
   
6,814
 
Income before provision for income taxes
  
3,860
   
3,968
   
3,538
   
2,981
 
Provision for income taxes
  
740
   
779
   
681
   
521
 
Net income
 
$
3,120
  
$
3,189
  
$
2,857
  
$
2,460
 
Earnings Per Share Basic
 
$
1.02
  
$
1.04
  
$
0.94
  
$
0.79
 
Earnings Per Share Diluted
 
$
1.02
  
$
1.04
  
$
0.94
  
$
0.79
 
XML 62 R48.htm IDEA: XBRL DOCUMENT v3.7.0.1
ACQUISITION OF FNB (Tables)
 12 Months Ended
Dec. 31, 2016
Business Acquisition [Line Items]  
Summarizes the purchase of FNB
The following table summarizes the purchase of FNB as of December 11, 2015: 
(In Thousands, Except Per Share Data)
      
Purchase Price Consideration in Common Stock
      
Citizens Financial Services, Inc. shares issued
  
336,515
    
Value assigned to Citizens Financial Services, Inc. common share
 
$
47.50
    
Purchase price assigned to FNB common shares exchanged for Citizens Financial Services, Inc.
     
$
15,984
 
Purchase Price Consideration - Cash for Common Stock
        
Purchase price assigned to The First National Bank of Fredericksburg common shares exchanged for cash
      
5,619
 
Total Purchase Price
      
21,603
 
Net Assets Acquired:
        
The First National Bank of Fredericksburg shareholders' equity
 
$
12,298
     
Adjustments to reflect assets acquired at fair value:
        
Loans
        
Interest rate
  
31
     
General credit
  
(1,362
)
    
Specific credit - non-amortizing
  
(2,495
)
    
Specific credit - amortizing
  
(665
)
    
Core deposit intangible
  
1,641
     
Covenant not to compete
  
125
     
Premises and equipment
  
1,203
     
Leased premises contracts
  
(359
)
    
Other assets
  
(358
)
    
Deferred tax assets
  
785
     
Adjustments to reflect liabilities acquired at fair value:
        
Time deposits
  
(74
)
    
       
10,770
 
Goodwill resulting from merger
     
$
10,833
 
Schedule of asset acquired and liability assumed
The following condensed statement reflects the amounts recognized as of the acquisition date for each major class of asset acquired and liability assumed:
(In Thousands)
      
Total purchase price
    
$
21,603
 
Assets (liabilities) acquired:
       
Cash and cash equivalents
 
$
83,514
     
Interest bearing time deposits with other banks
  
1,236
     
Securities available for sale
  
23,831
     
Loans
  
115,211
     
Premises and equipment, net
  
4,743
     
Accrued interest receivable
  
282
     
Bank-owned life insurance
  
4,598
     
Intangibles
  
1,981
     
Deferred tax asset
  
2,979
     
Other assets
  
2,332
     
Time deposits
  
(42,675
)
    
Deposits other than time deposits
  
(182,555
)
    
Accrued interest payable
  
(14
)
    
Other liabilities
  
(4,693
)
    
       
10,770
 
Goodwill resulting from the FNB merger
     
$
10,833
 
Summary of integration costs and amortization of fair value adjustments
Merger and acquisition integration costs and amortization of fair value adjustments are included in the numbers below.
     
Pro Formas
 
  
Actual from Acquisition Date Through
December 31, 2015
  
Twelve Months Ended December 31,
 
(In Thousands, Except Per Share Data)
  
2016
   
2015
   
2014
 
Net interest income
 
$
401
  
$
35,837
  
$
37,736
  
$
37,634
 
Non-interest income
  
21
   
7,899
   
8,576
   
8,184
 
Net income
  
(22
)
  
12,073
   
8,640
   
14,019
 
Pro forma earnings per share:
                
Basic
     
$
3.61
  
$
2.57
  
$
4.15
 
Diluted
     
$
3.61
  
$
2.57
  
$
4.15
 
XML 63 R49.htm IDEA: XBRL DOCUMENT v3.7.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)
$ / shares in Units, $ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2016
USD ($)
Security
$ / shares
Sep. 30, 2016
USD ($)
$ / shares
Jun. 30, 2016
USD ($)
$ / shares
Mar. 31, 2016
USD ($)
$ / shares
Dec. 31, 2015
USD ($)
$ / shares
Sep. 30, 2015
USD ($)
$ / shares
Jun. 30, 2015
USD ($)
$ / shares
Mar. 31, 2015
USD ($)
$ / shares
Dec. 31, 2016
USD ($)
Branches
Segment
Security
$ / shares
shares
Dec. 31, 2015
USD ($)
$ / shares
shares
Dec. 31, 2014
USD ($)
$ / shares
shares
Business and Organization [Abstract]                      
Number of full service banking offices | Branches                 25    
Operating Segments [Abstract]                      
Number of operating segments | Segment                 1    
Cash and Cash Equivalents [Abstract]                      
Interest earning deposits maturity, Maximum for inclusion as cash equivalents                 90 days    
Investment Securities [Abstract]                      
Number of classifications of investment securities | Security 3               3    
Held-to-maturity securities | $ $ 0       $ 0       $ 0 $ 0  
Trading securities | $ 0       0       $ 0 0  
Number of years significantly below cost to recognize an impairment                 1 year    
Allowance for Loan Losses [Abstract]                      
Number of days past for loan to be considered impaired, Maximum                 90 days    
Goodwill [Abstract]                      
Goodwill impairment loss | $                 $ 0 0 $ 0
Bank Owned Life Insurance [Abstract]                      
Benefit in excess of the cash surrender value                 50.00%    
Basic earnings per share computation [Abstract]                      
Net income applicable to common stock | $ $ 3,171 $ 3,153 $ 3,031 $ 3,283 $ 2,460 $ 2,857 $ 3,189 $ 3,120 $ 12,638 $ 11,626 $ 13,385
Weighted average common shares outstanding (in shares) | shares                 3,341,933 3,063,906 3,070,922
Earnings per share - basic (in dollars per share) | $ / shares $ 0.95 $ 0.94 $ 0.91 $ 0.98 $ 0.79 $ 0.94 $ 1.04 $ 1.02 $ 3.78 $ 3.79 $ 4.36
Diluted earnings per share computation [Abstract]                      
Net income applicable to common stock | $ $ 3,171 $ 3,153 $ 3,031 $ 3,283 $ 2,460 $ 2,857 $ 3,189 $ 3,120 $ 12,638 $ 11,626 $ 13,385
Weighted average common shares outstanding for basic earnings per share (in shares) | shares                 3,341,933 3,063,906 3,070,922
Add: Dilutive effects of restricted stock (in shares) | shares                 1,556 1,360 1,295
Weighted average common shares outstanding for dilutive earnings per share (in shares) | shares                 3,343,489 3,065,266 3,072,217
Earnings per share - dilutive (in dollars per share) | $ / shares $ 0.95 $ 0.94 $ 0.91 $ 0.98 $ 0.79 $ 0.94 $ 1.04 $ 1.02 $ 3.78 $ 3.79 $ 4.36
Minimum [Member]                      
Allowance for Loan Losses [Abstract]                      
Number of days past for loan to be considered impaired, Maximum                 90 days    
Furniture, Fixtures and Equipment [Member] | Minimum [Member]                      
Property, Plant and Equipment [Line Items]                      
Useful life                 3 years    
Furniture, Fixtures and Equipment [Member] | Maximum [Member]                      
Property, Plant and Equipment [Line Items]                      
Useful life                 15 years    
Building Premises [Member] | Minimum [Member]                      
Property, Plant and Equipment [Line Items]                      
Useful life                 5 years    
Building Premises [Member] | Maximum [Member]                      
Property, Plant and Equipment [Line Items]                      
Useful life                 40 years    
Core Deposits [Member]                      
Finite-Lived Intangible Assets [Line Items]                      
Useful Life                 10 years    
Noncompete Agreements [Member]                      
Finite-Lived Intangible Assets [Line Items]                      
Useful Life                 4 years    
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) | shares                 3,087 2,105 2,248
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) | $ / shares                 $ 53.15 $ 53.15 $ 50.50
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) | $ / shares                 $ 46.69 $ 50.15 $ 37.10
XML 64 R50.htm IDEA: XBRL DOCUMENT v3.7.0.1
RESTRICTIONS ON CASH AND DUE FROM BANKS (Details) - USD ($)
$ in Thousands
Dec. 31, 2016
Dec. 31, 2015
RESTRICTIONS ON CASH AND DUE FROM BANKS [Abstract]    
Cash reserves at the Federal Reserve Bank $ 2,297 $ 1,646
Cash FDIC insured amount, maximum $ 250  
XML 65 R51.htm IDEA: XBRL DOCUMENT v3.7.0.1
INVESTMENT SECURITIES (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
USD ($)
Security
Dec. 31, 2015
USD ($)
Security
Dec. 31, 2014
USD ($)
Security
Available for Sale Securities Amortized Cost, Gross Unrealized Gains or Losses and Fair Value [Abstract]      
Amortized Cost $ 312,039 $ 356,399  
Gross Unrealized Gains 3,087 4,139  
Gross Unrealized Losses (1,109) (801)  
Fair Value $ 314,017 359,737  
Number of securities owned with fair value less than cost | Security 88    
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]      
Less than Twelve Months, Fair Value $ 106,062 156,454  
Twelve Months or Greater, Fair Value 1,520 5,279  
Total, Fair Value 107,582 161,733  
Less than Twelve Months, Gross Unrealized Losses (1,071) (748)  
Twelve Months or Greater, Gross Unrealized Losses (38) (53)  
Total, Gross Unrealized Losses (1,109) (801)  
Proceeds from sale of securities available-for-sale 22,372 30,464 $ 28,989
Realized investment gains (losses) [Abstract]      
Gross gains 312 440 647
Gross losses (57) (11) (31)
Net gains 255 429 616
Investment securities pledged as collateral 206,322 203,769  
Available-for-Sale Debt Securities, Amortized Cost [Abstract]      
Due in one year or less 44,331    
Due after one year through five years 155,199    
Due after five years through ten years 38,363    
Due after ten years 72,325    
Total 310,218    
Available-for-Sale Debt Securities, Fair Value [Abstract]      
Due in one year or less 44,484    
Due after one year through five years 156,177    
Due after five years through ten years 38,305    
Due after ten years 72,152    
Total $ 311,118    
Minimum [Member]      
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]      
Duration securities impaired 1 year    
U.S. Agency Securities [Member]      
Available for Sale Securities Amortized Cost, Gross Unrealized Gains or Losses and Fair Value [Abstract]      
Amortized Cost $ 170,276 199,749  
Gross Unrealized Gains 407 369  
Gross Unrealized Losses (269) (527)  
Fair Value 170,414 199,591  
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]      
Less than Twelve Months, Fair Value 50,947 123,591  
Twelve Months or Greater, Fair Value 0 0  
Total, Fair Value 50,947 123,591  
Less than Twelve Months, Gross Unrealized Losses (269) (527)  
Twelve Months or Greater, Gross Unrealized Losses 0 0  
Total, Gross Unrealized Losses (269) (527)  
Realized investment gains (losses) [Abstract]      
Gross gains 72 $ 196 $ 177
Gross losses $ 22    
Available-for-sale securities sold at a gross gain | Security 4 5 8
Available-for-sale securities sold at a gross loss | Security 4    
U.S. Treasuries [Member]      
Available for Sale Securities Amortized Cost, Gross Unrealized Gains or Losses and Fair Value [Abstract]      
Amortized Cost $ 2,999 $ 10,103  
Gross Unrealized Gains 1 0  
Gross Unrealized Losses 0 (21)  
Fair Value 3,000 10,082  
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]      
Less than Twelve Months, Fair Value   10,082  
Twelve Months or Greater, Fair Value   0  
Total, Fair Value   10,082  
Less than Twelve Months, Gross Unrealized Losses   (21)  
Twelve Months or Greater, Gross Unrealized Losses   0  
Total, Gross Unrealized Losses   (21)  
Realized investment gains (losses) [Abstract]      
Gross gains $ 27    
Gross losses   $ 11 $ 31
Available-for-sale securities sold at a gross gain | Security 2 1  
Available-for-sale securities sold at a gross loss | Security     2
Obligations of State and Political Subdivisions [Member]      
Available for Sale Securities Amortized Cost, Gross Unrealized Gains or Losses and Fair Value [Abstract]      
Amortized Cost $ 95,956 $ 99,856  
Gross Unrealized Gains 1,463 3,080  
Gross Unrealized Losses (493) (73)  
Fair Value 96,926 102,863  
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]      
Less than Twelve Months, Fair Value 28,398 7,023  
Twelve Months or Greater, Fair Value 767 2,914  
Total, Fair Value 29,165 9,937  
Less than Twelve Months, Gross Unrealized Losses (472) (57)  
Twelve Months or Greater, Gross Unrealized Losses (21) (16)  
Total, Gross Unrealized Losses (493) (73)  
Realized investment gains (losses) [Abstract]      
Gross gains $ 80 $ 99 $ 172
Available-for-sale securities sold at a gross gain | Security 4 7 1
Corporate Obligations [Member]      
Available for Sale Securities Amortized Cost, Gross Unrealized Gains or Losses and Fair Value [Abstract]      
Amortized Cost $ 3,000 $ 14,583  
Gross Unrealized Gains 50 68  
Gross Unrealized Losses 0 (86)  
Fair Value 3,050 14,565  
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]      
Less than Twelve Months, Fair Value   5,822  
Twelve Months or Greater, Fair Value   2,138  
Total, Fair Value   7,960  
Less than Twelve Months, Gross Unrealized Losses   (61)  
Twelve Months or Greater, Gross Unrealized Losses   (25)  
Total, Gross Unrealized Losses   (86)  
Realized investment gains (losses) [Abstract]      
Gross losses $ 35    
Available-for-sale securities sold at a gross loss | Security 6    
Mortgage-backed Securities in Government Sponsored Entities [Member]      
Available for Sale Securities Amortized Cost, Gross Unrealized Gains or Losses and Fair Value [Abstract]      
Amortized Cost $ 37,987 30,107  
Gross Unrealized Gains 88 186  
Gross Unrealized Losses (347) (89)  
Fair Value 37,728 30,204  
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]      
Less than Twelve Months, Fair Value 26,717 9,830  
Twelve Months or Greater, Fair Value 753 227  
Total, Fair Value 27,470 10,057  
Less than Twelve Months, Gross Unrealized Losses (330) (77)  
Twelve Months or Greater, Gross Unrealized Losses (17) (12)  
Total, Gross Unrealized Losses (347) (89)  
Realized investment gains (losses) [Abstract]      
Gross gains   $ 69 $ 197
Available-for-sale securities sold at a gross gain | Security   5 7
Equity Securities in Financial Institutions [Member]      
Available for Sale Securities Amortized Cost, Gross Unrealized Gains or Losses and Fair Value [Abstract]      
Amortized Cost 1,821 $ 2,001  
Gross Unrealized Gains 1,078 436  
Gross Unrealized Losses 0 (5)  
Fair Value 2,899 2,432  
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]      
Less than Twelve Months, Fair Value   106  
Twelve Months or Greater, Fair Value   0  
Total, Fair Value   106  
Less than Twelve Months, Gross Unrealized Losses   (5)  
Twelve Months or Greater, Gross Unrealized Losses   0  
Total, Gross Unrealized Losses   (5)  
Realized investment gains (losses) [Abstract]      
Gross gains $ 133 $ 76 $ 101
Available-for-sale securities sold at a gross gain | Security 3 1 1
XML 66 R52.htm IDEA: XBRL DOCUMENT v3.7.0.1
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2016
Sep. 30, 2016
Jun. 30, 2016
Mar. 31, 2016
Dec. 31, 2015
Sep. 30, 2015
Jun. 30, 2015
Mar. 31, 2015
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2016
Dec. 31, 2015
Dec. 11, 2015
Dec. 31, 2014
Segments of loan portfolio and allowance for loan losses [Abstract]                              
Total financing receivables                       $ 799,611 $ 695,031    
Individually evaluated for impairment                       17,693 12,284    
Loans acquired with deteriorated credit quality                       3,367 3,818    
Collectively evaluated for impairment                       778,551 678,929    
Less: Allowance for loan losses                       8,886 7,106    
Allowance for loan losses related to individually evaluated for impairment                       487 355    
Allowance for loan losses related to loans acquired with deteriorated credit quality                       0 0    
Allowance for loan losses related to collectively evaluated for impairment                       8,399 6,751    
Net loans                       790,725 687,925    
Net loans, individually evaluated for impairment                       17,206 11,929    
Net loans, loans acquired with deteriorated credit quality                       3,367 3,818    
Net loans, collectively evaluated for impairment                       770,152 672,178    
Real estate loans serviced for Freddie Mac and Fannie Mae                       135,404 133,210    
Real estate loans sold to Freddie Mac and Fannie Mae without recourse                 $ 102,444 $ 92,773          
Portfolio balance under MPF                       32,960 40,437    
First-loss position for MPF maintained by FHLB                       120      
Credit enhancement for MPF by FHLB                 $ 985            
Net unamortized loan fees and costs                       732 1,170    
Number of days past for loan to be considered impaired, Minimum                 90 days            
Financing Receivable, Allowance for Credit Losses [Roll Forward]                              
Balance at beginning of period       $ 7,106       $ 6,815 $ 7,106 6,815 $ 7,098        
Charge-offs                 (340) (238) (910)        
Recoveries                 600 49 42        
Provision $ 750 $ 500 $ 135 135 $ 120 $ 120 $ 120 120 1,520 480 585        
Balance at end of period 8,886       7,106       $ 8,886 7,106 6,815        
Individually evaluated for impairment                       487 355   $ 98
Collectively evaluated for impairment                       8,399 6,751   6,717
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            
Commercial [Member]                              
Segments of loan portfolio and allowance for loan losses [Abstract]                              
Total financing receivables                       252,577 237,542    
Individually evaluated for impairment                       5,742 6,068    
Loans acquired with deteriorated credit quality                       1,969 2,170    
Collectively evaluated for impairment                       244,866 229,304    
Financing Receivable, Allowance for Credit Losses [Roll Forward]                              
Balance at beginning of period       3,376       3,419 $ 3,376 3,419 3,983        
Charge-offs                 (100) (84) (516)        
Recoveries                 479 14 15        
Provision                 (166) 27 (63)        
Balance at end of period 3,589       3,376       3,589 3,376 3,419        
Individually evaluated for impairment                       45 62   72
Collectively evaluated for impairment                       3,544 3,314   3,347
Agricultural [Member]                              
Segments of loan portfolio and allowance for loan losses [Abstract]                              
Total financing receivables                       123,624 57,822    
Individually evaluated for impairment                       3,346 167    
Loans acquired with deteriorated credit quality                       738 738    
Collectively evaluated for impairment                       119,540 56,917    
Financing Receivable, Allowance for Credit Losses [Roll Forward]                              
Balance at beginning of period       409       451 409 451 575        
Charge-offs                 0            
Recoveries                 0            
Provision                 1,085 (42) (124)        
Balance at end of period 1,494       409       1,494 409 451        
Individually evaluated for impairment                       54 0    
Collectively evaluated for impairment                       1,440 409   451
Residential Real Estate Loans [Member]                              
Segments of loan portfolio and allowance for loan losses [Abstract]                              
Total financing receivables                       207,423 203,407    
Individually evaluated for impairment                       957 304    
Loans acquired with deteriorated credit quality                       35 35    
Collectively evaluated for impairment                       206,431 203,068    
Financing Receivable, Allowance for Credit Losses [Roll Forward]                              
Balance at beginning of period       905       878 905 878 946        
Charge-offs                 (85) (66) (97)        
Recoveries                 0 0 0        
Provision                 244 93 29        
Balance at end of period 1,064       905       1,064 905 878        
Individually evaluated for impairment                       32 37   25
Collectively evaluated for impairment                       1,032 868   853
Construction [Member]                              
Segments of loan portfolio and allowance for loan losses [Abstract]                              
Total financing receivables                       25,441 15,011    
Individually evaluated for impairment                       0 0    
Loans acquired with deteriorated credit quality                       0 0    
Collectively evaluated for impairment                       25,441 15,011    
Financing Receivable, Allowance for Credit Losses [Roll Forward]                              
Balance at beginning of period       24       26 24 26 50        
Charge-offs                 0 0 0        
Recoveries                 0 0 0        
Provision                 23 (2) (24)        
Balance at end of period 47       24       47 24 26        
Individually evaluated for impairment                       0 0   0
Collectively evaluated for impairment                       47 24   26
Consumer [Member]                              
Segments of loan portfolio and allowance for loan losses [Abstract]                              
Total financing receivables                       11,005 11,543    
Individually evaluated for impairment                       0 0    
Loans acquired with deteriorated credit quality                       4 9    
Collectively evaluated for impairment                       11,001 11,534    
Financing Receivable, Allowance for Credit Losses [Roll Forward]                              
Balance at beginning of period       102       84 102 84 105        
Charge-offs                 (100) (47) (47)        
Recoveries                 88 33 27        
Provision                 32 32 (1)        
Balance at end of period 122       102       122 102 84        
Individually evaluated for impairment                       0 0   0
Collectively evaluated for impairment                       122 102   84
Other Commercial Loans [Member]                              
Segments of loan portfolio and allowance for loan losses [Abstract]                              
Total financing receivables                       58,639 57,549    
Individually evaluated for impairment                       5,994 5,640    
Loans acquired with deteriorated credit quality                       621 866    
Collectively evaluated for impairment                       52,024 51,043    
Financing Receivable, Allowance for Credit Losses [Roll Forward]                              
Balance at beginning of period       1,183       1,007 1,183 1,007 686        
Charge-offs                 (55) (41) (250)        
Recoveries                 33 2 0        
Provision                 166 215 571        
Balance at end of period 1,327       1,183       1,327 1,183 1,007        
Individually evaluated for impairment                       326 256   1
Collectively evaluated for impairment                       1,001 927   1,006
Other Agricultural Loans [Member]                              
Segments of loan portfolio and allowance for loan losses [Abstract]                              
Total financing receivables                       23,388 13,657    
Individually evaluated for impairment                       1,654 105    
Loans acquired with deteriorated credit quality                       0      
Collectively evaluated for impairment                       21,734 13,552    
Financing Receivable, Allowance for Credit Losses [Roll Forward]                              
Balance at beginning of period       122       217 122 217 256        
Charge-offs                 0            
Recoveries                 0            
Provision                 190 (95) (39)        
Balance at end of period 312       122       312 122 217        
Individually evaluated for impairment                       30      
Collectively evaluated for impairment                       282 122   217
State and Political Subdivision Loans [Member]                              
Segments of loan portfolio and allowance for loan losses [Abstract]                              
Total financing receivables                       97,514 98,500    
Individually evaluated for impairment                       0 0    
Loans acquired with deteriorated credit quality                       0 0    
Collectively evaluated for impairment                       97,514 98,500    
Financing Receivable, Allowance for Credit Losses [Roll Forward]                              
Balance at beginning of period       593       545 593 545 330        
Charge-offs                 0 0 0        
Recoveries                 0 0 0        
Provision                 240 48 215        
Balance at end of period 833       593       833 593 545        
Individually evaluated for impairment                       0 0   0
Collectively evaluated for impairment                       833 593   545
Unallocated [Member]                              
Financing Receivable, Allowance for Credit Losses [Roll Forward]                              
Balance at beginning of period       392       188 392 188 167        
Charge-offs                 0 0 0        
Recoveries                 0 0 0        
Provision                 (294) 204 21        
Balance at end of period 98       392       98 392 188        
Individually evaluated for impairment                       0 0   0
Collectively evaluated for impairment                       98 392   188
First National Bank of Fredericksburg [Member]                              
Components of the purchase accounting adjustments related to the purchased impaired loans in FNB Acquisition [Abstract]                              
Estimated fair value                           $ 3,809  
Contractually required principal and interest at acquisition                           9,913  
Expected cash flows                           4,474  
Non-accretable discount                           5,439  
Accretable discount 389     637 637     665 637 665 665 389 637 665 $ 665
Changes in the accretable yield for purchased credit-impaired loans [Roll Forward]                              
Balance at beginning of period       $ 637       $ 665 637 665          
Accretion                 (349) (28)          
Reclassification of non-accretable discount                 101 0          
Balance at end of period $ 389       $ 637       $ 389 $ 637 $ 665        
Loans acquired with specific evidence of deterioration in credit quality [Abstract]                              
Outstanding balance                       6,487 6,950 $ 6,969  
Carrying amount                       $ 3,367 $ 3,818    
XML 67 R53.htm IDEA: XBRL DOCUMENT v3.7.0.1
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES IMPAIRED FINANCING RECEIVABLE (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Impaired Financing Receivable [Abstract]      
Unpaid Principal Balance $ 20,127 $ 14,803  
Recorded Investment With No Allowance 15,031 10,882  
Recorded Investment With Allowance 2,662 1,402  
Total Recorded Investment 17,693 12,284  
Related Allowance 487 355  
Average Recorded Investment 12,874 8,804 $ 9,639
Interest Income Recognized 201 180 146
Interest Income Recognized Cash Basis 7 11 0
Real Estate Loans [Member] | Mortgages [Member]      
Impaired Financing Receivable [Abstract]      
Unpaid Principal Balance 953 281  
Recorded Investment With No Allowance 570 114  
Recorded Investment With Allowance 330 129  
Total Recorded Investment 900 243  
Related Allowance 22 26  
Average Recorded Investment 590 240 198
Interest Income Recognized 13 12 9
Interest Income Recognized Cash Basis 0 0 0
Real Estate Loans [Member] | Home Equity [Member]      
Impaired Financing Receivable [Abstract]      
Unpaid Principal Balance 57 61  
Recorded Investment With No Allowance 0 0  
Recorded Investment With Allowance 57 61  
Total Recorded Investment 57 61  
Related Allowance 10 11  
Average Recorded Investment 59 88 130
Interest Income Recognized 4 4 4
Interest Income Recognized Cash Basis 0 0 0
Real Estate Loans [Member] | Commercial [Member]      
Impaired Financing Receivable [Abstract]      
Unpaid Principal Balance 7,958 8,654  
Recorded Investment With No Allowance 5,697 5,843  
Recorded Investment With Allowance 45 225  
Total Recorded Investment 5,742 6,068  
Related Allowance 45 62  
Average Recorded Investment 5,959 5,683 7,270
Interest Income Recognized 69 63 54
Interest Income Recognized Cash Basis 1 5 0
Real Estate Loans [Member] | Agricultural [Member]      
Impaired Financing Receivable [Abstract]      
Unpaid Principal Balance 3,347 167  
Recorded Investment With No Allowance 2,000 167  
Recorded Investment With Allowance 1,347 0  
Total Recorded Investment 3,347 167  
Related Allowance 54 0  
Average Recorded Investment 361 56 0
Interest Income Recognized 17 2 0
Interest Income Recognized Cash Basis 0 0 0
Consumer [Member]      
Impaired Financing Receivable [Abstract]      
Average Recorded Investment 0 0 10
Interest Income Recognized 0 0 0
Interest Income Recognized Cash Basis 0 0 0
Other Commercial Loans [Member]      
Impaired Financing Receivable [Abstract]      
Unpaid Principal Balance 6,159 5,535  
Recorded Investment With No Allowance 5,135 4,653  
Recorded Investment With Allowance 859 987  
Total Recorded Investment 5,994 5,640  
Related Allowance 326 256  
Average Recorded Investment 5,715 2,700 2,031
Interest Income Recognized 87 98 79
Interest Income Recognized Cash Basis 6 6 0
Other Agricultural Loans [Member]      
Impaired Financing Receivable [Abstract]      
Unpaid Principal Balance 1,653 105  
Recorded Investment With No Allowance 1,629 105  
Recorded Investment With Allowance 24 0  
Total Recorded Investment 1,653 105  
Related Allowance 30 0  
Average Recorded Investment 190 37 0
Interest Income Recognized 11 1 0
Interest Income Recognized Cash Basis $ 0 $ 0 $ 0
XML 68 R54.htm IDEA: XBRL DOCUMENT v3.7.0.1
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES CREDIT QUALITY INDICATOR (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Financing Receivable by credit exposure [Abstract]    
Total $ 218,428 $ 214,950
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 $ 1,000  
Amount over which all relationships to be reviewed 1,000  
Amount which is 30 days past due to be reviewed for all aggregate loan relationships 750  
Real Estate Loans [Member] | Commercial [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 252,577 237,542
Real Estate Loans [Member] | Agricultural [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 123,624 57,822
Real Estate Loans [Member] | Home Equity [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 58,693 62,368
Real Estate Loans [Member] | Mortgages [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 148,730 141,039
Real Estate Loans [Member] | Construction [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 25,441 15,011
Consumer [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 11,005 11,543
Other Commercial Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 58,639 57,549
Other Agricultural Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 23,388 13,657
State and Political Subdivision Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 97,514 98,500
Pass [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 516,605 448,776
Pass [Member] | Real Estate Loans [Member] | Commercial [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 225,185 217,544
Pass [Member] | Real Estate Loans [Member] | Agricultural [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 110,785 53,695
Pass [Member] | Real Estate Loans [Member] | Construction [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 25,441 14,422
Pass [Member] | Other Commercial Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 51,396 51,297
Pass [Member] | Other Agricultural Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 20,178 13,318
Pass [Member] | State and Political Subdivision Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 83,620 98,500
Special Mention [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 39,124 8,284
Special Mention [Member] | Real Estate Loans [Member] | Commercial [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 14,045 4,150
Special Mention [Member] | Real Estate Loans [Member] | Agricultural [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 8,231 2,865
Special Mention [Member] | Real Estate Loans [Member] | Construction [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 0 589
Special Mention [Member] | Other Commercial Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 2,049 446
Special Mention [Member] | Other Agricultural Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 1,733 234
Special Mention [Member] | State and Political Subdivision Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 13,066 0
Substandard [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 25,365 22,852
Substandard [Member] | Real Estate Loans [Member] | Commercial [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 13,347 15,816
Substandard [Member] | Real Estate Loans [Member] | Agricultural [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 4,608 1,262
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 5,105 5,669
Substandard [Member] | Other Agricultural Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 1,477 105
Substandard [Member] | State and Political Subdivision Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 828 0
Doubtful [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 89 169
Doubtful [Member] | Real Estate Loans [Member] | Commercial [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 0 32
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 89 137
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 581,183 480,081
Performing [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 216,377 213,440
Performing [Member] | Real Estate Loans [Member] | Home Equity [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 58,438 62,236
Performing [Member] | Real Estate Loans [Member] | Mortgages [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 147,047 139,734
Performing [Member] | Consumer [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 10,892 11,470
Nonperforming [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 2,012 1,466
Nonperforming [Member] | Real Estate Loans [Member] | Home Equity [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 255 132
Nonperforming [Member] | Real Estate Loans [Member] | Mortgages [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 1,648 1,270
Nonperforming [Member] | Consumer [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 109 64
PCI [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 39 44
PCI [Member] | Real Estate Loans [Member] | Home Equity [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 0 0
PCI [Member] | Real Estate Loans [Member] | Mortgages [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 35 35
PCI [Member] | Consumer [Member]    
Financing Receivable by credit exposure [Abstract]    
Total $ 4 $ 9
XML 69 R55.htm IDEA: XBRL DOCUMENT v3.7.0.1
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES PAST DUE (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Recorded investment of past due [Abstract]      
Total Past Due $ 14,133 $ 9,288  
Current 782,111 681,925  
PCI 3,367 3,818  
Total financing receivables 799,611 695,031  
90 Days and Accruing 405 623  
Financing receivables on nonaccrual status [Abstract]      
Total Past Due And Non-accrual 10,729 5,608  
Current And Non-accrual 725 923  
PCI Loans considered non accrual 0 0  
Financing receivable nonaccrual status 11,454 6,531  
Foregone interest income 603 463 $ 527
Financing receivables on accrual status [Abstract]      
Total Past Due And Still Accruing 3,404 3,680  
Current And Still Accruing 781,386 681,002  
PCI Loans still accruing 3,367 3,818  
Total Financing Receivables And Still Accruing $ 788,157 688,500  
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 $ 3,024 2,509  
Financing receivables on nonaccrual status [Abstract]      
Total Past Due And Non-accrual 172 54  
Financing receivables on accrual status [Abstract]      
Total Past Due And Still Accruing 2,852 2,455  
60 to 89 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 252 773  
Financing receivables on nonaccrual status [Abstract]      
Total Past Due And Non-accrual 105 171  
Financing receivables on accrual status [Abstract]      
Total Past Due And Still Accruing 147 602  
90 Days Or Greater [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 10,857 6,006  
Financing receivables on nonaccrual status [Abstract]      
Total Past Due And Non-accrual 10,452 5,383  
Financing receivables on accrual status [Abstract]      
Total Past Due And Still Accruing 405 623  
Commercial [Member]      
Recorded investment of past due [Abstract]      
Total financing receivables 252,577 237,542  
Agricultural [Member]      
Recorded investment of past due [Abstract]      
Total financing receivables 123,624 57,822  
Consumer [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 238 325  
Current 10,763 11,209  
PCI 4 9  
Total financing receivables 11,005 11,543  
90 Days and Accruing 67 9  
Financing receivables on nonaccrual status [Abstract]      
Financing receivable nonaccrual status 42 55  
Consumer [Member] | 30 to 59 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 115 239  
Consumer [Member] | 60 to 89 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 40 37  
Consumer [Member] | 90 Days Or Greater [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 83 49  
Other Commercial Loans [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 4,134 1,367  
Current 53,884 55,316  
PCI 621 866  
Total financing receivables 58,639 57,549  
90 Days and Accruing 0 160  
Financing receivables on nonaccrual status [Abstract]      
Financing receivable nonaccrual status 4,057 1,012  
Other Commercial Loans [Member] | 30 to 59 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 95 143  
Other Commercial Loans [Member] | 60 to 89 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 35 214  
Other Commercial Loans [Member] | 90 Days Or Greater [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 4,004 1,010  
Other Agricultural Loans [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 82 9  
Current 23,306 13,648  
PCI 0 0  
Total financing receivables 23,388 13,657  
90 Days and Accruing 5 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 43 9  
Other Agricultural Loans [Member] | 60 to 89 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 34 0  
Other Agricultural Loans [Member] | 90 Days Or Greater [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 5 0  
State and Political Subdivision Loans [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 0 0  
Current 97,514 98,500  
PCI 0 0  
Total financing receivables 97,514 98,500  
90 Days 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  
Real Estate Loans [Member] | Mortgages [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 1,775 1,457  
Current 146,920 139,547  
PCI 35 35  
Total financing receivables 148,730 141,039  
90 Days and Accruing 173 321  
Financing receivables on nonaccrual status [Abstract]      
Financing receivable nonaccrual status 1,475 949  
Real Estate Loans [Member] | Mortgages [Member] | 30 to 59 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 630 487  
Real Estate Loans [Member] | Mortgages [Member] | 60 to 89 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 36 283  
Real Estate Loans [Member] | Mortgages [Member] | 90 Days Or Greater [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 1,109 687  
Real Estate Loans [Member] | Home Equity [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 642 766  
Current 58,051 61,602  
PCI 0 0  
Total financing receivables 58,693 62,368  
90 Days and Accruing 160 73  
Financing receivables on nonaccrual status [Abstract]      
Financing receivable nonaccrual status 95 59  
Real Estate Loans [Member] | Home Equity [Member] | 30 to 59 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 384 630  
Real Estate Loans [Member] | Home Equity [Member] | 60 to 89 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 49 15  
Real Estate Loans [Member] | Home Equity [Member] | 90 Days Or Greater [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 209 121  
Real Estate Loans [Member] | Commercial [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 6,117 5,020  
Current 244,491 230,352  
PCI 1,969 2,170  
Total financing receivables 252,577 237,542  
90 Days and Accruing 0 60  
Financing receivables on nonaccrual status [Abstract]      
Financing receivable nonaccrual status 4,445 4,422  
Real Estate Loans [Member] | Commercial [Member] | 30 to 59 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 1,757 824  
Real Estate Loans [Member] | Commercial [Member] | 60 to 89 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 58 57  
Real Estate Loans [Member] | Commercial [Member] | 90 Days Or Greater [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 4,302 4,139  
Real Estate Loans [Member] | Agricultural [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 1,145 344  
Current 121,741 56,740  
PCI 738 738  
Total financing receivables 123,624 57,822  
90 Days and Accruing 0 0  
Financing receivables on nonaccrual status [Abstract]      
Financing receivable nonaccrual status 1,340 34  
Real Estate Loans [Member] | Agricultural [Member] | 30 to 59 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 0 177  
Real Estate Loans [Member] | Agricultural [Member] | 60 to 89 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 0 167  
Real Estate Loans [Member] | Agricultural [Member] | 90 Days Or Greater [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 1,145 0  
Real Estate Loans [Member] | Construction [Member]      
Recorded investment of past due [Abstract]      
Total Past Due 0 0  
Current 25,441 15,011  
PCI 0 0  
Total financing receivables 25,441 15,011  
90 Days 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  
XML 70 R56.htm IDEA: XBRL DOCUMENT v3.7.0.1
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES TDR (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
USD ($)
Contract
Dec. 31, 2015
USD ($)
Contract
Dec. 31, 2014
USD ($)
Contract
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES [Abstract]      
Reserves of allowance for loan losses $ 29 $ 37 $ 26
Recidivism receivables [Abstract]      
Number of contract, subsequently defaults | Contract 0 0 1
Total recidivism, Recorded investment $ 0 $ 0 $ 50
Foreclosed assets held for sale [Abstract]      
Foreclosed assets held for sale $ 1,036 $ 1,354  
Interest Modification [Member]      
Financing receivable modifications [Abstract]      
Number of contracts | Contract 0 1 0
Pre-modification Outstanding Recorded Investment $ 0 $ 71 $ 0
Post-Modification Outstanding Recorded Investment $ 0 $ 71 $ 0
Term Modification [Member]      
Financing receivable modifications [Abstract]      
Number of contracts | Contract 19 1 2
Pre-modification Outstanding Recorded Investment $ 7,778 $ 19 $ 153
Post-Modification Outstanding Recorded Investment $ 7,778 $ 19 $ 153
Real Estate Loans [Member] | Mortgages [Member] | Interest Modification [Member]      
Financing receivable modifications [Abstract]      
Number of contracts | Contract   1  
Pre-modification Outstanding Recorded Investment   $ 71  
Post-Modification Outstanding Recorded Investment   $ 71  
Real Estate Loans [Member] | Mortgages [Member] | Term Modification [Member]      
Financing receivable modifications [Abstract]      
Number of contracts | Contract   1  
Pre-modification Outstanding Recorded Investment   $ 19  
Post-Modification Outstanding Recorded Investment   $ 19  
Real Estate Loans [Member] | Commercial [Member]      
Recidivism receivables [Abstract]      
Number of contract, subsequently defaults | Contract 0 0 1
Total recidivism, Recorded investment $ 0 $ 0 $ 50
Real Estate Loans [Member] | Commercial [Member] | Interest Modification [Member]      
Financing receivable modifications [Abstract]      
Number of contracts | Contract 0   0
Pre-modification Outstanding Recorded Investment $ 0   $ 0
Post-Modification Outstanding Recorded Investment $ 0   $ 0
Real Estate Loans [Member] | Commercial [Member] | Term Modification [Member]      
Financing receivable modifications [Abstract]      
Number of contracts | Contract 4   2
Pre-modification Outstanding Recorded Investment $ 1,188   $ 153
Post-Modification Outstanding Recorded Investment $ 1,188   $ 153
Real Estate Loans [Member] | Agricultural [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] | Agricultural [Member] | Term Modification [Member]      
Financing receivable modifications [Abstract]      
Number of contracts | Contract 5    
Pre-modification Outstanding Recorded Investment $ 1,956    
Post-Modification Outstanding Recorded Investment $ 1,956    
Other Commercial Loans [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    
Other Commercial Loans [Member] | Term Modification [Member]      
Financing receivable modifications [Abstract]      
Number of contracts | Contract 3    
Pre-modification Outstanding Recorded Investment $ 3,076    
Post-Modification Outstanding Recorded Investment $ 3,076    
Other Agricultural Loans [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    
Other Agricultural Loans [Member] | Term Modification [Member]      
Financing receivable modifications [Abstract]      
Number of contracts | Contract 7    
Pre-modification Outstanding Recorded Investment $ 1,558    
Post-Modification Outstanding Recorded Investment 1,558    
Consumer Residential Mortgages [Member]      
Foreclosed assets held for sale [Abstract]      
Foreclosed assets held for sale   $ 217  
Formal foreclosure proceedings on potential foreclosure assets $ 1,239    
XML 71 R57.htm IDEA: XBRL DOCUMENT v3.7.0.1
PREMISES & EQUIPMENT (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Property, Plant and Equipment [Line Items]      
Premises and equipment, gross $ 29,108 $ 29,183  
Less: accumulated depreciation 12,078 11,920  
Premises and equipment, net 17,030 17,263  
Depreciation expense 763 608 $ 537
Land [Member]      
Property, Plant and Equipment [Line Items]      
Premises and equipment, gross 5,110 5,110  
Buildings [Member]      
Property, Plant and Equipment [Line Items]      
Premises and equipment, gross 17,315 17,349  
Furniture, Fixtures and Equipment [Member]      
Property, Plant and Equipment [Line Items]      
Premises and equipment, gross 6,678 6,636  
Construction in Process [Member]      
Property, Plant and Equipment [Line Items]      
Premises and equipment, gross $ 5 $ 88  
XML 72 R58.htm IDEA: XBRL DOCUMENT v3.7.0.1
GOODWILL AND OTHER INTANGIBLE ASSETS (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Amortizing intangible assets [Abstract]    
Gross carrying value [1] $ 3,237 $ 3,102
Accumulated amortization [1] (1,141) (665)
Net carrying value [1] 2,096 2,437
Non-amortized intangible assets [Abstract]    
Goodwill [1] 21,089 21,089
Actual and Estimated Future Amortization Expense [Abstract]    
Amortization expense 500  
Estimated Amortization Expense [Abstract]    
2017 474  
2018 409  
2019 349  
2020 264  
2021 211  
Mortgage Servicing Rights [Member]    
Amortizing intangible assets [Abstract]    
Gross carrying value [1] 1,471 1,336
Accumulated amortization [1] (787) (638)
Net carrying value [1] 684 698
Actual and Estimated Future Amortization Expense [Abstract]    
Amortization expense 173  
Estimated Amortization Expense [Abstract]    
2017 177  
2018 143  
2019 113  
2020 87  
2021 64  
Core Deposit Intangibles [Member]    
Amortizing intangible assets [Abstract]    
Gross carrying value [1] 1,641 1,641
Accumulated amortization [1] (320) (25)
Net carrying value [1] 1,321 1,616
Actual and Estimated Future Amortization Expense [Abstract]    
Amortization expense 295  
Estimated Amortization Expense [Abstract]    
2017 266  
2018 236  
2019 206  
2020 177  
2021 147  
Covenant not to Compete [Member]    
Amortizing intangible assets [Abstract]    
Gross carrying value [1] 125 125
Accumulated amortization [1] (34) (2)
Net carrying value [1] 91 $ 123
Actual and Estimated Future Amortization Expense [Abstract]    
Amortization expense 32  
Estimated Amortization Expense [Abstract]    
2017 31  
2018 30  
2019 30  
2020 0  
2021 $ 0  
[1] Excludes fully amortized intangible assets
XML 73 R59.htm IDEA: XBRL DOCUMENT v3.7.0.1
FEDERAL HOME LOAN BANK (FHLB) STOCK (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
FEDERAL HOME LOAN BANK (FHLB) STOCK [Abstract]    
Federal home loan bank stock $ 4,542,000 $ 2,800,000
FHLB Stock, at par value (in dollars per share) $ 100  
XML 74 R60.htm IDEA: XBRL DOCUMENT v3.7.0.1
DEPOSITS (Details) - USD ($)
Dec. 31, 2016
Dec. 31, 2015
DEPOSITS [Abstract]    
Non-interest-bearing deposits $ 147,425,000 $ 150,960,000
NOW accounts 305,862,000 279,655,000
Savings deposits 170,722,000 170,277,000
Money market deposit accounts 116,880,000 105,229,000
Certificates of deposit 264,614,000 281,910,000
Total deposits 1,005,503,000 988,031,000
Certificates of deposit of $250,000 or more [Abstract]    
Certificates of deposit of $250,000 or more 56,743,000 $ 51,818,000
Maturities of certificates of deposit [Abstract]    
2017 128,641,000  
2018 47,673,000  
2019 35,722,000  
2020 25,036,000  
2021 22,587,000  
Thereafter 4,955,000  
Total certificates of deposit $ 264,614,000  
XML 75 R61.htm IDEA: XBRL DOCUMENT v3.7.0.1
BORROWED FUNDS AND REPURCHASE AGREEMENTS, Breakdown of Borrowed Funds (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Debt Instrument [Line Items]    
Borrowed funds $ 79,662 $ 41,631
Highest balance at any month-end 85,282 71,073
Average balance $ 47,004 $ 36,700
Weighted average interest rate paid during the year 1.69% 1.93%
Weighted average interest rate as of year end 1.36% 1.74%
Securities Sold Under Agreements to Repurchase [Member]    
Debt Instrument [Line Items]    
Borrowed funds [1] $ 14,307 $ 16,008
Highest balance at any month-end [1] 16,132 16,008
Average balance [1] $ 15,057 $ 5,998
Weighted average interest rate paid during the year [1] 0.49% 0.82%
Weighted average interest rate as of year end [1] 0.67% 0.45%
FHLB Advances [Member]    
Debt Instrument [Line Items]    
Borrowed funds [2] $ 41,330 $ 1,598
Federal Home Loan Bank, advances, highest balance at any month-end [2] 45,125 26,996
Federal Home Loan Bank, advances, average balance [2] $ 7,917 $ 5,218
Federal Home Loan Bank, advances, weighted average interest rate paid during the year [2] 0.63% 0.35%
Federal Home Loan Bank, advances, weighted average interest rate as of year-end [2] 0.74% 0.43%
Federal Funds Line [Member]    
Debt Instrument [Line Items]    
Borrowed funds [3] $ 0 $ 0
Highest balance at any month-end [3] 0 0
Average balance [3] $ 2 $ 0
Weighted average interest rate paid during the year [3] 0.76% 0.00%
Weighted average interest rate as of year end [3] 0.00% 0.00%
FRB BIC Line [Member]    
Debt Instrument [Line Items]    
Borrowed funds [4] $ 0 $ 0
Highest balance at any month-end [4] 0 0
Average balance [4] $ 3 $ 0
Weighted average interest rate paid during the year [4] 1.00% 0.77%
Weighted average interest rate as of year end [4] 0.00% 0.00%
Notes Payable [Member]    
Debt Instrument [Line Items]    
Borrowed funds [5] $ 7,500 $ 7,500
Highest balance at any month-end [5] 7,500 7,500
Average balance [5] $ 7,500 $ 7,500
Weighted average interest rate paid during the year [5] 3.55% 3.14%
Weighted average interest rate as of year end [5] 3.79% 3.33%
Term Loans [Member]    
Debt Instrument [Line Items]    
Borrowed funds [6] $ 16,525 $ 16,525
Highest balance at any month-end [6] 16,525 20,569
Average balance [6] $ 16,525 $ 17,984
Weighted average interest rate paid during the year [6] 2.44% 2.25%
Weighted average interest rate as of year end [6] 2.44% 2.40%
[1] 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 collateral pledged on the repurchase agreements by the remaining contractual maturity of the repurchase agreements in the Consolidated Balance Sheets as of December 31, 2016 and December 31, 2015 is presented in the following tables.
[2] FHLB Advances consist of an "Open RepoPlus" agreement with the FHLB of Pittsburgh. FHLB "Open RepoPlus" advances are short-term borrowings that bear interest based on the FHLB discount rate or Federal Funds rate, whichever is higher. The Company has a borrowing limit of $343,209,000, inclusive of any outstanding advances. FHLB advances are secured by a blanket security agreement that includes the Company's FHLB stock, as well as certain investment and mortgage-backed securities held in safekeeping at the FHLB and certain residential and commercial mortgage loans.
[3] The federal funds line consists of an unsecured line from a third party bank at market rates. The Company has a borrowing limit of $10,000,000, inclusive of any outstanding balances. No specific collateral is required to be pledged for these borrowings.
[4] The Federal Reserve Bank Borrower in Custody (FRB BIC) Line consists of a borrower in custody in agreement open in January 2010 with the Federal Reserve Bank of Philadelphia secured by municipal loans maintained in the Company's possession. As of December 31, 2016 and 2015, the Company has a borrowing limit of $4,360,000 and $7,949,000, respectively, inclusive of any outstanding advances. The approximate carrying value of the municipal loan collateral was $15,560,000 and $16,146,000 as of December 31, 2016 and 2015, respectively.
[5] In December 2003, the Company formed a special purpose entity ("Entity") to issue $7,500,000 of floating rate obligated mandatory redeemable trust preferred securities as part of a pooled offering. The rate was determined quarterly and floated based on the 3 month LIBOR plus 2.80. The Entity may redeem them, in whole or in part, at face value after December 17, 2008, and on a quarterly basis thereafter. The Company borrowed the proceeds of the issuance from the Entity in December 2003 in the form of a $7,500,000 note payable. Debt issue costs of $75,000 have been capitalized and fully amortized as of December 31, 2008. 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.
[6] (f) Term Loans consist of separate loans with the FHLB of Pittsburgh as follows (in thousands): December 31, December 31, Interest Rate Maturity 2015 2014 Fixed: 2.29% October 2, 2017 2,000 2,000 2.72% July 12, 2018 1,000 1,000 1.87% February 4, 2019 2,000 2,000 2.61% February 3, 2021 2,000 2,000 3.52% July 12, 2021 2,000 2,000 2.37% August 20, 2021 2,800 2,800 2.08% January 6, 2022 4,725 4,725 Total term loans $ 16,525 $ 16,525
XML 76 R62.htm IDEA: XBRL DOCUMENT v3.7.0.1
BORROWED FUNDS AND REPURCHASE AGREEMENTS, Collateral Pledged on the Repurchase Agreements by Contractual Maturity (Details) - USD ($)
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2008
Dec. 31, 2003
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]        
Total carrying value of collateral pledged $ 18,177,000 $ 20,193,000    
Total liability recognized for repurchase agreements 14,307,000 16,008,000    
Debt Instrument [Line Items]        
Borrowed funds 79,662,000 41,631,000    
U.S. Agency Securities [Member]        
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]        
Total carrying value of collateral pledged 18,177,000 20,193,000    
Overnight and Continuous [Member]        
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]        
Total carrying value of collateral pledged 16,118,000 18,144,000    
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 16,118,000 18,144,000    
Up to 30 Days [Member]        
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]        
Total carrying value of collateral pledged 0 0    
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 0    
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 2,059,000 2,049,000    
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 2,059,000 2,049,000    
Securities Sold Under Agreements to Repurchase [Member]        
Debt Instrument [Line Items]        
Borrowed funds [1] 14,307,000 16,008,000    
FHLB Advances [Member]        
Debt Instrument [Line Items]        
Maximum borrowing limit 343,209,000      
Borrowed funds [2] 41,330,000 1,598,000    
Federal Funds Line [Member]        
Debt Instrument [Line Items]        
Maximum borrowing limit 10,000,000      
Borrowed funds [3] 0 0    
FRB BIC Line [Member]        
Debt Instrument [Line Items]        
Maximum borrowing limit 4,360,000 7,949,000    
Carrying value of securities pledged as collateral 15,560,000 16,146,000    
Borrowed funds [4] 0 0    
Notes Payable [Member]        
Debt Instrument [Line Items]        
Face amount of debt $ 7,500,000      
Variable rate basis 3 month LIBOR      
Basis spread on variable rate 2.80%      
Notional amount of derivative liability     $ 7,500,000  
Unamortized debt issuance costs       $ 75,000
Borrowed funds [5] $ 7,500,000 7,500,000    
Term Loans [Member]        
Debt Instrument [Line Items]        
Borrowed funds [6] $ 16,525,000 16,525,000    
Term Loans [Member] | October 2, 2017 [Member]        
Debt Instrument [Line Items]        
Stated interest rate 2.29%      
Maturity date Oct. 02, 2017      
Borrowed funds $ 2,000,000 2,000,000    
Term Loans [Member] | July 12, 2018 [Member]        
Debt Instrument [Line Items]        
Stated interest rate 2.72%      
Maturity date Jul. 12, 2018      
Borrowed funds $ 1,000,000 1,000,000    
Term Loans [Member] | February 4, 2019 [Member]        
Debt Instrument [Line Items]        
Stated interest rate 1.87%      
Maturity date Feb. 04, 2019      
Borrowed funds $ 2,000,000 2,000,000    
Term Loans [Member] | February 3, 2021 [Member]        
Debt Instrument [Line Items]        
Stated interest rate 2.61%      
Maturity date Feb. 03, 2021      
Borrowed funds $ 2,000,000 2,000,000    
Term Loans [Member] | July 12, 2021 [Member]        
Debt Instrument [Line Items]        
Stated interest rate 3.52%      
Maturity date Jul. 12, 2021      
Borrowed funds $ 2,000,000 2,000,000    
Term Loans [Member] | August 20, 2021 [Member]        
Debt Instrument [Line Items]        
Stated interest rate 2.37%      
Maturity date Aug. 20, 2021      
Borrowed funds $ 2,800,000 2,800,000    
Term Loans [Member] | January 6, 2022 [Member]        
Debt Instrument [Line Items]        
Stated interest rate 2.08%      
Maturity date Jan. 06, 2022      
Borrowed funds $ 4,725,000 $ 4,725,000    
[1] 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 collateral pledged on the repurchase agreements by the remaining contractual maturity of the repurchase agreements in the Consolidated Balance Sheets as of December 31, 2016 and December 31, 2015 is presented in the following tables.
[2] FHLB Advances consist of an "Open RepoPlus" agreement with the FHLB of Pittsburgh. FHLB "Open RepoPlus" advances are short-term borrowings that bear interest based on the FHLB discount rate or Federal Funds rate, whichever is higher. The Company has a borrowing limit of $343,209,000, inclusive of any outstanding advances. FHLB advances are secured by a blanket security agreement that includes the Company's FHLB stock, as well as certain investment and mortgage-backed securities held in safekeeping at the FHLB and certain residential and commercial mortgage loans.
[3] The federal funds line consists of an unsecured line from a third party bank at market rates. The Company has a borrowing limit of $10,000,000, inclusive of any outstanding balances. No specific collateral is required to be pledged for these borrowings.
[4] The Federal Reserve Bank Borrower in Custody (FRB BIC) Line consists of a borrower in custody in agreement open in January 2010 with the Federal Reserve Bank of Philadelphia secured by municipal loans maintained in the Company's possession. As of December 31, 2016 and 2015, the Company has a borrowing limit of $4,360,000 and $7,949,000, respectively, inclusive of any outstanding advances. The approximate carrying value of the municipal loan collateral was $15,560,000 and $16,146,000 as of December 31, 2016 and 2015, respectively.
[5] In December 2003, the Company formed a special purpose entity ("Entity") to issue $7,500,000 of floating rate obligated mandatory redeemable trust preferred securities as part of a pooled offering. The rate was determined quarterly and floated based on the 3 month LIBOR plus 2.80. The Entity may redeem them, in whole or in part, at face value after December 17, 2008, and on a quarterly basis thereafter. The Company borrowed the proceeds of the issuance from the Entity in December 2003 in the form of a $7,500,000 note payable. Debt issue costs of $75,000 have been capitalized and fully amortized as of December 31, 2008. 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.
[6] (f) Term Loans consist of separate loans with the FHLB of Pittsburgh as follows (in thousands): December 31, December 31, Interest Rate Maturity 2015 2014 Fixed: 2.29% October 2, 2017 2,000 2,000 2.72% July 12, 2018 1,000 1,000 1.87% February 4, 2019 2,000 2,000 2.61% February 3, 2021 2,000 2,000 3.52% July 12, 2021 2,000 2,000 2.37% August 20, 2021 2,800 2,800 2.08% January 6, 2022 4,725 4,725 Total term loans $ 16,525 $ 16,525
XML 77 R63.htm IDEA: XBRL DOCUMENT v3.7.0.1
BORROWED FUNDS AND REPURCHASE AGREEMENTS, Maturities of Borrowed Funds (Details) - USD ($)
$ in Thousands
Dec. 31, 2016
Dec. 31, 2015
Maturities of borrowed funds [Abstract]    
2017 $ 64,033  
2018 1,000  
2019 2,000  
2020 570  
2021 7,334  
Thereafter 4,725  
Total borrowed funds $ 79,662 $ 41,631
XML 78 R64.htm IDEA: XBRL DOCUMENT v3.7.0.1
EMPLOYEE BENEFIT PLANS, Noncontributory Defined Benefit Pension Plan (Details)
 12 Months Ended
Dec. 31, 2016
USD ($)
Plan
Dec. 31, 2015
USD ($)
Dec. 31, 2014
USD ($)
EMPLOYEE BENEFIT PLANS [Abstract]      
Number of plans | Plan 2    
Employer discretionary contribution to 401 (k) plan $ 82,000 $ 61,000 $ 46,000
Amounts recognized in accumulated other comprehensive loss consists of [Abstract]      
Total (258,000) (114,000) (1,209,000)
Pension Plan [Member]      
Change in benefit obligation [Roll Forward]      
Benefit obligation at beginning of year 17,809,000 11,777,000  
Benefit obligation acquired as part of FNB acquisition 0 6,377,000  
Service cost 345,000 352,000 307,000
Interest cost 692,000 424,000 415,000
Actuarial (Gain) / Loss 439,000 (456,000)  
Benefits paid (682,000) (665,000)  
Benefit obligation at end of year 18,603,000 17,809,000 11,777,000
Change in plan assets [Roll Forward]      
Fair value of plan assets at beginning of year 14,786,000 11,039,000  
Fair value of plan assets at acquisition 0 4,053,000  
Actual return (loss) on plan assets 864,000 (41,000)  
Employer contributions 818,000 400,000 300,000
Benefits paid (682,000) (665,000)  
Fair value of plan assets at end of year 15,786,000 14,786,000 11,039,000
Funded status (2,817,000) (3,023,000)  
Amounts recognized in accumulated other comprehensive loss consists of [Abstract]      
Net loss 4,263,000 3,919,000  
Prior service cost (175,000) (222,000)  
Total 4,088,000 3,697,000  
Components of net periodic benefit cost [Abstract]      
Service cost 345,000 352,000 307,000
Interest cost 692,000 424,000 415,000
Return on plan assets (1,034,000) (791,000) (786,000)
Net amortization and deferral 219,000 205,000 51,000
Net periodic benefit cost 222,000 $ 190,000 $ (13,000)
Amounts that will be amortized from accumulated other comprehensive loss into the net periodic benefit cost in 2017, related to estimated net loss 286,000    
Amounts that will be amortized from accumulated other comprehensive loss into the net periodic benefit cost in 2017 related to prior service cost (benefit) $ (47,000)    
Weighted-average assumptions used to determine benefit obligations [Abstract]      
Discount rate 3.78% 3.94%  
Rate of compensation increase 3.00% 3.00%  
Weighted-average assumptions used to determine net periodic benefit cost (income) [Abstract]      
Discount rate 3.94% 3.61% 4.30%
Expected long-term return on plan assets 7.00% 7.00% 7.50%
Rate of compensation increase 3.00% 3.00% 3.00%
XML 79 R65.htm IDEA: XBRL DOCUMENT v3.7.0.1
EMPLOYEE BENEFIT PLANS, Noncontributory Defined Benefit Pension Plan Fair Value of Plan Assets (Details) - Pension Plan [Member] - USD ($)
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 15,786,000 $ 14,786,000
Allocation 100.00% 100.00%
Expected employer contribution to pension plan $ 520,000  
Expected future benefit payments [Abstract]    
2017 733,000  
2018 591,000  
2019 1,820,000  
2020 1,549,000  
2021 1,403,000  
2022 - 2026 7,407,000  
Level I [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets 11,502,000 $ 11,610,000
Level II [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets 4,284,000 3,176,000
Level III [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets 0 0
Cash and Cash Equivalents [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 863,000 $ 1,704,000
Allocation 5.50% 11.50%
Cash and Cash Equivalents [Member] | Level I [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 863,000 $ 1,704,000
Cash and Cash Equivalents [Member] | Level II [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets 0 0
Cash and Cash Equivalents [Member] | Level III [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 0 0
Equity Securities [Member]    
Target Allocations of Assets [Abstract]    
Target plan asset allocations range minimum 50.00%  
Target plan asset allocations range maximum 70.00%  
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 5,404,000 $ 3,821,000
Allocation 34.10% 25.80%
Equity Securities [Member] | Level I [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 5,404,000 $ 3,821,000
Equity Securities [Member] | Level II [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets 0 0
Equity Securities [Member] | Level III [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets 0 0
Mutual Funds and ETF's [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 5,235,000 $ 6,085,000
Allocation 33.20% 41.30%
Mutual Funds and ETF's [Member] | Level I [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 5,235,000 $ 6,085,000
Mutual Funds and ETF's [Member] | Level II [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets 0 0
Mutual Funds and ETF's [Member] | Level III [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 0 0
Corporate Bonds [Member]    
Target Allocations of Assets [Abstract]    
Target plan asset allocations range minimum 30.00%  
Target plan asset allocations range maximum 50.00%  
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 3,641,000 $ 3,019,000
Allocation 23.10% 20.40%
Corporate Bonds [Member] | Level I [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 0 $ 0
Corporate Bonds [Member] | Level II [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets 3,641,000 3,019,000
Corporate Bonds [Member] | Level III [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets 0 0
Municipal Bonds [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 107,000 $ 107,000
Allocation 0.70% 0.70%
Municipal Bonds [Member] | Level II [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 107,000 $ 107,000
U.S. Agency Securities [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 536,000 $ 50,000
Allocation 3.40% 0.30%
U.S. Agency Securities [Member] | Level I [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 0 $ 0
U.S. Agency Securities [Member] | Level II [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets 536,000 50,000
U.S. Agency Securities [Member] | Level III [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets 0 0
Common Stock [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 548,000 $ 502,000
Allocation 3.50% 3.40%
XML 80 R66.htm IDEA: XBRL DOCUMENT v3.7.0.1
EMPLOYEE BENEFIT PLANS, Defined Contribution Plan (Details) - USD ($)
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
EMPLOYEE BENEFIT PLANS [Abstract]      
Employer contribution to 401 (k) defined contribution plan $ 351,000 $ 285,000 $ 267,000
XML 81 R67.htm IDEA: XBRL DOCUMENT v3.7.0.1
EMPLOYEE BENEFIT PLANS, Directors' Deferred Compensation Plan (Details) - Director [Member] - USD ($)
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Deferred Compensation Arrangement with Individual, Postretirement Benefits [Line Items]      
Deferred compensation liability $ 940,000 $ 958,000  
Deferred interest expense $ 15,000 $ 22,000 $ 20,000
XML 82 R68.htm IDEA: XBRL DOCUMENT v3.7.0.1
EMPLOYEE BENEFIT PLANS, Restricted Stock Plan (Details) - USD ($)
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Additional General Disclosures [Abstract]      
Share-based compensation expense $ 284,000 $ 179,000 $ 200,000
Restricted Stock [Member]      
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Number of shares authorized (in shares) 150,000    
Number of shares available for grant (in shares) 145,890    
Shares [Roll Forward]      
Outstanding, beginning of year (in shares) 8,269    
Granted (in shares) 4,110    
Forfeited (in shares) (90)    
Increase due to stock dividends (in shares) 0    
Vested (in shares) (3,818)    
Outstanding, end of year (in shares) 8,471 8,269  
Weighted Average Market Price [Roll Forward]      
Outstanding, beginning of year (in dollars per share) $ 49.98    
Granted (in dollars per share) 48.13 $ 49.02 $ 52.82
Forfeited (in dollars per share) 49.26    
Increase due to stock dividends (in dollars per share) 0    
Vested (in dollars per share) 49.95    
Outstanding, end of year (in dollars per share) $ 49.10 $ 49.98  
Additional General Disclosures [Abstract]      
Share-based compensation expense $ 193,000 $ 172,000 $ 157,000
Compensation cost related to nonvested awards that has not yet recognized $ 416,000    
Period over which compensation cost is expected to be recognized 3 years    
XML 83 R69.htm IDEA: XBRL DOCUMENT v3.7.0.1
EMPLOYEE BENEFIT PLANS, Other Plans (Details) - USD ($)
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Supplemental Executive Retirement Plans [Member]      
Defined Benefit Plan Disclosure [Line Items]      
Obligation included in other liabilities $ 1,460,000 $ 1,339,000  
Cost recognized 121,000 141,000 $ 152,000
Salary Continuation Plan [Member]      
Defined Benefit Plan Disclosure [Line Items]      
Obligation included in other liabilities 720,000 710,000  
Cost recognized 62,000 0 0
Continuation of Life Insurance Plan [Member]      
Defined Benefit Plan Disclosure [Line Items]      
Obligation included in other liabilities 569,000 574,000  
Cost recognized $ 0 $ 0 $ 0
XML 84 R70.htm IDEA: XBRL DOCUMENT v3.7.0.1
INCOME TAXES (Details)
 3 Months Ended 12 Months Ended
Dec. 31, 2016
USD ($)
Sep. 30, 2016
USD ($)
Jun. 30, 2016
USD ($)
Mar. 31, 2016
USD ($)
Dec. 31, 2015
USD ($)
Sep. 30, 2015
USD ($)
Jun. 30, 2015
USD ($)
Mar. 31, 2015
USD ($)
Dec. 31, 2016
USD ($)
Partnership
Dec. 31, 2015
USD ($)
Partnership
Dec. 31, 2014
USD ($)
Provision for income taxes [Abstract]                      
Currently payable                 $ 2,672,000 $ 2,913,000 $ 3,081,000
Deferred tax liability (asset)                 362,000 (192,000) 478,000
Provision for income taxes $ 789,000 $ 767,000 $ 687,000 $ 791,000 $ 521,000 $ 681,000 $ 779,000 $ 740,000 3,034,000 2,721,000 3,559,000
Deferred tax assets [Abstract]                      
Allowance for loan losses 4,518,000       4,238,000       4,518,000 4,238,000  
Deferred compensation 757,000       772,000       757,000 772,000  
Merger & acquisition costs 16,000       20,000       16,000 20,000  
Allowance for losses on available-for-sale securities 250,000       436,000       250,000 436,000  
Pensions and other retirement obligation 1,454,000       1,483,000       1,454,000 1,483,000  
Interest on non-accrual loans 1,259,000       1,001,000       1,259,000 1,001,000  
Incentive plan accruals 421,000       362,000       421,000 362,000  
Other real estate owned 152,000       136,000       152,000 136,000  
Low income housing tax credits 94,000       63,000       94,000 63,000  
NOL carry forward 709,000       950,000       709,000 950,000  
AMT Credit Carryforward 8,000       152,000       8,000 152,000  
Other 156,000       157,000       156,000 157,000  
Total 9,794,000       9,770,000       9,794,000 9,770,000  
Deferred tax liabilities [Abstract]                      
Premises and equipment (998,000)       (919,000)       (998,000) (919,000)  
Investment securities accretion (189,000)       (177,000)       (189,000) (177,000)  
Loan fees and costs (369,000)       (154,000)       (369,000) (154,000)  
Goodwill and core deposit intangibles (3,573,000)       (3,594,000)       (3,573,000) (3,594,000)  
Mortgage servicing rights (233,000)       (238,000)       (233,000) (238,000)  
Unrealized gains on available-for-sale securities (673,000)       (1,135,000)       (673,000) (1,135,000)  
Other (17,000)       (44,000)       (17,000) (44,000)  
Total (6,052,000)       (6,261,000)       (6,052,000) (6,261,000)  
Deferred tax asset, net 3,742,000       3,509,000       3,742,000 3,509,000  
Valuation allowance 0       0       0 0  
Total provision for income taxes reconciliation [Abstract]                      
Provision at statutory rates on pre-tax income                 5,328,000 4,878,000 5,761,000
Effect of tax-exempt income                 (1,943,000) (1,915,000) (1,865,000)
Low income housing tax credits                 (198,000) (198,000) (198,000)
Bank owned life insurance                 (234,000) (214,000) (172,000)
Nondeductible interest                 55,000 61,000 60,000
Nondeductible merger and acquisition expenses                 0 102,000 0
Other items                 26,000 7,000 (27,000)
Provision for income taxes 789,000 $ 767,000 $ 687,000 $ 791,000 521,000 $ 681,000 $ 779,000 $ 740,000 $ 3,034,000 $ 2,721,000 $ 3,559,000
Statutory tax rates                 34.00% 34.00% 34.00%
Effective tax rates                 19.40% 19.00% 21.00%
Minimum percentages of tax position liable to be realized upon ultimate settlement                 50.00%    
Liability for uncertain tax positions 0       0       $ 0 $ 0  
Unrecognized tax benefits 0       0       $ 0 $ 0  
Number of investments in Partnerships | Partnership                 4 4  
Investment amount in partnerships 700,000       $ 959,000       $ 700,000 $ 959,000  
Tax Credit Carryforward [Line Items]                      
Investment tax credits $ 846,000               846,000    
Amortization of investments in qualified affordable housing projects                 $ 259,000    
Investment Tax Credit Carryforward [Member]                      
Tax Credit Carryforward [Line Items]                      
Tax credits recognition period                 6 years    
Tax credits recognized as reduction of tax expense amount                 $ 198,000    
XML 85 R71.htm IDEA: XBRL DOCUMENT v3.7.0.1
OTHER COMPREHENSIVE INCOME (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Components of accumulated other comprehensive income (loss), net of tax [Abstract]      
Net unrealized gain on securities available for sale $ 1,979 $ 3,339  
Tax effect 673 1,135  
Net -of-tax amount 1,306 2,204  
Unrecognized pension costs (4,088) (3,697)  
Tax effect (1,390) (1,257)  
Net -of-tax amount (2,698) (2,440)  
Total accumulated other comprehensive loss (1,392) (236)  
Accumulated Other Comprehensive Income Loss [Line Items]      
Balance 119,760 100,528 $ 92,056
Other comprehensive income before reclassifications (net of tax) (1,133) (855) 2,365
Amounts reclassified from accumulated other comprehensive income (loss) (net of tax) (23) (148) (373)
Net other comprehensive income (loss) (1,156) (1,003) 1,992
Balance 123,268 119,760 100,528
Accumulated Other Comprehensive Income (Loss) [Member]      
Accumulated Other Comprehensive Income Loss [Line Items]      
Balance (236) 767 (1,225)
Net other comprehensive income (loss) (1,156) (1,003) 1,992
Balance (1,392) (236) 767
Unrealized Gains (Loss) on Available For Sale Securities [Member]      
Accumulated Other Comprehensive Income Loss [Line Items]      
Balance [1] 2,204 3,093 (108)
Other comprehensive income before reclassifications (net of tax) [1] (730) (606) 3,608
Amounts reclassified from accumulated other comprehensive income (loss) (net of tax) [1] (168) (283) (407)
Net other comprehensive income (loss) [1] (898) (889) 3,201
Balance [1] 1,306 2,204 3,093
Defined Benefit Pension Items [Member]      
Accumulated Other Comprehensive Income Loss [Line Items]      
Balance [1] (2,440) (2,326) (1,117)
Other comprehensive income before reclassifications (net of tax) [1] (403) (249) (1,243)
Amounts reclassified from accumulated other comprehensive income (loss) (net of tax) [1] 145 135 34
Net other comprehensive income (loss) [1] (258) (114) (1,209)
Balance [1] $ (2,698) $ (2,440) $ (2,326)
[1] Amounts in parentheses indicate debits on the consolidated balance sheet.
XML 86 R72.htm IDEA: XBRL DOCUMENT v3.7.0.1
OTHER COMPREHENSIVE INCOME, RECLASSIFICATION (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2016
Sep. 30, 2016
Jun. 30, 2016
Mar. 31, 2016
Dec. 31, 2015
Sep. 30, 2015
Jun. 30, 2015
Mar. 31, 2015
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]                      
Investment securities gains, net $ 100 $ 0 $ 128 $ 27 $ (1) $ 129 $ 175 $ 126 $ 255 $ 429 $ 616
Salaries and employee benefits                 (16,410) (12,504) (11,505)
Provision for income taxes (789) (767) (687) (791) (521) (681) (779) (740) (3,034) (2,721) (3,559)
NET INCOME $ 3,171 $ 3,153 $ 3,031 $ 3,283 $ 2,460 $ 2,857 $ 3,189 $ 3,120 12,638 11,626 13,385
Reclassification out of Accumulated Other Comprehensive Income [Member]                      
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]                      
NET INCOME [1]                 23 148 373
Unrealized Gains and Losses 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]                 255 429 616
Provision for income taxes [1]                 (87) (146) (209)
NET INCOME [1]                 168 283 407
Defined Benefit Pension Items [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]                      
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]                      
Salaries and employee benefits [1]                 (219) (205) (51)
Provision for income taxes [1]                 74 70 17
NET INCOME [1]                 $ (145) $ (135) $ (34)
[1] Amounts in parentheses indicate debits.
XML 87 R73.htm IDEA: XBRL DOCUMENT v3.7.0.1
RELATED PARTY TRANSACTIONS (Details) - Officers, Directors, Stockholders and Associates [Member] - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Loans to Related Parties [Roll Forward]    
Balance, beginning of year $ 5,343 $ 4,314
New loans 4,512 5,828
Repayments (4,285) (4,799)
Balance, end of year $ 5,570 $ 5,343
XML 88 R74.htm IDEA: XBRL DOCUMENT v3.7.0.1
REGULATORY MATTERS (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
USD ($)
Category
Dec. 31, 2015
USD ($)
Dividend Restrictions [Abstract]    
Number of preceding years retained net income used for restrictions on dividend declaration 2 years  
Dividends that can be declared without the approval of the Comptroller of the Currency $ 13,925  
Loans [Abstract]    
Regulatory lending limit $ 17,631  
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Number of capital categories | Category 5  
Bank [Member]    
Actual Amount [Abstract]    
Total capital (to risk-weighted assets) $ 117,537 $ 108,232
Tier 1 capital (to risk-weighted assets) 108,419 100,958
Common equity tier 1 capital (to risk weighted assets) 108,419 100,958
Tier 1 capital (to average assets) $ 108,419 $ 100,958
Actual Ratio [Abstract]    
Total capital (to risk-weighted assets) 14.46% 15.34%
Tier 1 capital (to risk-weighted assets) 13.34% 14.31%
Common equity Tier 1 capital (to risk weighted assets) 13.34% 14.31%
Tier 1 capital (to average assets) 9.13% 10.35%
For Capital Adequacy Purposes Amount [Abstract]    
Total capital (to risk-weighted assets) $ 65,020 $ 56,443
Tier 1 capital (to risk-weighted assets) 48,765 42,332
Common equity Tier 1 capital (to risk weighted assets) 36,574 31,749
Tier 1 capital (to average assets) $ 39,006 $ 39,006
For Capital Adequacy Purposes Ratio [Abstract]    
Total capital (to risk-weighted assets) 8.00% 8.00%
Tier 1 capital (to risk-weighted assets) 6.00% 6.00%
Common equity Tier 1 capital (to risk weighted assets) 4.50% 4.50%
Tier 1 capital (to average assets) 4.00% 4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions Amount [Abstract]    
Total capital (to risk-weighted assets) $ 81,275 $ 70,554
Tier 1 capital (to risk-weighted assets) 65,020 56,443
Common equity Tier 1 capital (to risk weighted assets) 52,829 45,860
Tier 1 capital (to average assets) $ 48,757 $ 48,757
To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio [Abstract]    
Total capital (to risk-weighted assets) 10.00% 10.00%
Tier 1 capital (to risk-weighted assets) 8.00% 8.00%
Common equity Tier 1 capital (to risk weighted assets) 6.50% 6.50%
Tier 1 capital (to average assets) 5.00% 5.00%
Company [Member]    
Actual Amount [Abstract]    
Total capital (to risk-weighted assets) $ 121,717 $ 114,886
Tier 1 capital (to risk-weighted assets) 112,599 107,612
Common equity tier 1 capital (to risk weighted assets) 105,099 100,112
Tier 1 capital (to average assets) $ 112,599 $ 107,612
Actual Ratio [Abstract]    
Total capital (to risk-weighted assets) 14.93% 16.23%
Tier 1 capital (to risk-weighted assets) 13.81% 15.20%
Common equity Tier 1 capital (to risk weighted assets) 12.89% 14.14%
Tier 1 capital (to average assets) 9.46% 11.01%
For Capital Adequacy Purposes Amount [Abstract]    
Total capital (to risk-weighted assets) $ 65,217 $ 56,630
Tier 1 capital (to risk-weighted assets) 48,913 42,472
Common equity Tier 1 capital (to risk weighted assets) 36,685 31,854
Tier 1 capital (to average assets) $ 47,586 $ 39,083
For Capital Adequacy Purposes Ratio [Abstract]    
Total capital (to risk-weighted assets) 8.00% 8.00%
Tier 1 capital (to risk-weighted assets) 6.00% 6.00%
Common equity Tier 1 capital (to risk weighted assets) 4.50% 4.50%
Tier 1 capital (to average assets) 4.00% 4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions Amount [Abstract]    
Total capital (to risk-weighted assets) $ 81,522 $ 70,787
Tier 1 capital (to risk-weighted assets) 65,217 56,630
Common equity Tier 1 capital (to risk weighted assets) 52,989 46,012
Tier 1 capital (to average assets) $ 59,483 $ 48,854
To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio [Abstract]    
Total capital (to risk-weighted assets) 10.00% 10.00%
Tier 1 capital (to risk-weighted assets) 8.00% 8.00%
Common equity Tier 1 capital (to risk weighted assets) 6.50% 6.50%
Tier 1 capital (to average assets) 5.00% 5.00%
XML 89 R75.htm IDEA: XBRL DOCUMENT v3.7.0.1
COMMITMENTS AND CONTINGENT LIABILITIES (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
USD ($)
Claim
Dec. 31, 2015
USD ($)
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual obligation $ 221,460 $ 156,885
Coverage period for instruments 1 year  
Non-contractual obligation $ 9,124  
Number of claims pending | Claim 0  
Commitments to Extend Credit [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual obligation $ 206,505 143,134
Standby Letter of Credit [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual obligation $ 14,955 $ 13,751
XML 90 R76.htm IDEA: XBRL DOCUMENT v3.7.0.1
OPERATING LEASES (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Future minimum rental payments under operating leases [Abstract]      
2017 $ 251    
2018 253    
2019 259    
2020 152    
2021 104    
Thereafter 241    
Total 1,260    
Total rental expense $ 289 $ 175 $ 171
XML 91 R77.htm IDEA: XBRL DOCUMENT v3.7.0.1
FAIR VALUE OF FINANCIAL INSTRUMENTS, Measured On A Recurring And Nonrecurring Basis (Details) - USD ($)
$ in Thousands
Dec. 31, 2016
Dec. 31, 2015
Recurring [Member]    
Securities available for sale [Abstract]    
U.S. agency securities $ 170,414 $ 199,591
U.S. treasuries securities 3,000 10,082
Obligations of state and political subdivisions 96,926 102,863
Corporate obligations 3,050 14,565
Mortgage-backed securities in government sponsored entities 37,728 30,204
Equity securities in financial institutions 2,899 2,432
Recurring [Member] | Level I [Member]    
Securities available for sale [Abstract]    
U.S. agency securities 0 0
U.S. treasuries securities 3,000 10,082
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 2,899 2,432
Recurring [Member] | Level II [Member]    
Securities available for sale [Abstract]    
U.S. agency securities 170,414 199,591
U.S. treasuries securities 0 0
Obligations of state and political subdivisions 96,926 102,863
Corporate obligations 3,050 14,565
Mortgage-backed securities in government sponsored entities 37,728 30,204
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 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 2,033 894
Other real estate owned 839 1,197
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 2,033 894
Other real estate owned $ 839 $ 1,197
XML 92 R78.htm IDEA: XBRL DOCUMENT v3.7.0.1
FAIR VALUE OF FINANCIAL INSTRUMENTS, Quantitative Information (Details) - Appraised Collateral Values [Member] - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Impaired Loans [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value $ 2,033 $ 894
Valuation Technique(s) Appraised Collateral Values Appraised Collateral Values
Holding period   12 months
Impaired Loans [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 6 months  
Impaired Loans [Member] | Maximum [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Discount for time since appraisal 65.00% 70.00%
Selling costs 9.00% 10.00%
Holding period 12 months  
Impaired Loans [Member] | Weighted Average [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Discount for time since appraisal 28.98% 46.50%
Selling costs 7.56% 7.75%
Holding period 11 months 10 months
Other Real Estate Owned [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value $ 839 $ 1,197
Valuation Technique(s) Appraised Collateral Values Appraised Collateral Values
Other Real Estate Owned [Member] | Minimum [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Discount for time since appraisal 10.00% 0.00%
Other Real Estate Owned [Member] | Maximum [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Discount for time since appraisal 67.00% 75.00%
Other Real Estate Owned [Member] | Weighted Average [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Discount for time since appraisal 25.45% 25.00%
XML 93 R79.htm IDEA: XBRL DOCUMENT v3.7.0.1
FAIR VALUE OF FINANCIAL INSTRUMENTS, By Balance Sheet Grouping (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Financial Assets [Abstract]    
Interest bearing time deposits with other banks $ 6,955 $ 7,696
Available-for-sale securities $ 314,017 359,737
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 $ 17,754 24,384
Interest bearing time deposits with other banks 0 0
Available-for-sale securities 5,899 12,514
Loans held for sale 1,827 603
Net loans 0 0
Bank owned life insurance 26,223 25,535
Regulatory stock 5,306 3,459
Accrued interest receivable 4,089 4,211
Financial Liabilities [Abstract]    
Deposits 740,889 706,121
Borrowed funds 41,330 1,598
Accrued interest payable 720 734
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 308,118 347,223
Loans held for sale 0  
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 6,960 7,705
Available-for-sale securities 0 0
Loans held for sale 0  
Net loans 797,184 712,524
Bank owned life insurance 0 0
Regulatory stock 0 0
Accrued interest receivable 0 0
Financial Liabilities [Abstract]    
Deposits 263,183 281,421
Borrowed funds 36,095 37,265
Accrued interest payable 0 0
Carrying Amount [Member]    
Financial Assets [Abstract]    
Cash and due from banks 17,754 24,384
Interest bearing time deposits with other banks 6,955 7,696
Available-for-sale securities 314,017 359,737
Loans held for sale 1,827 603
Net loans 790,725 687,925
Bank owned life insurance 26,223 25,535
Regulatory stock 5,306 3,459
Accrued interest receivable 4,089 4,211
Financial Liabilities [Abstract]    
Deposits 1,005,503 988,031
Borrowed funds 79,662 41,631
Accrued interest payable 720 734
Fair Value [Member]    
Financial Assets [Abstract]    
Cash and due from banks 17,754 24,384
Interest bearing time deposits with other banks 6,960 7,705
Available-for-sale securities 314,017 359,737
Loans held for sale 1,827 603
Net loans 797,184 712,524
Bank owned life insurance 26,223 25,535
Regulatory stock 5,306 3,459
Accrued interest receivable 4,089 4,211
Financial Liabilities [Abstract]    
Deposits 1,004,072 987,542
Borrowed funds 77,425 38,863
Accrued interest payable $ 720 $ 734
XML 94 R80.htm IDEA: XBRL DOCUMENT v3.7.0.1
CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2016
Sep. 30, 2016
Jun. 30, 2016
Mar. 31, 2016
Dec. 31, 2015
Sep. 30, 2015
Jun. 30, 2015
Mar. 31, 2015
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Assets [Abstract]                        
Cash $ 16,854       $ 14,088       $ 16,854 $ 14,088    
Available-for-sale securities 314,017       359,737       314,017 359,737    
Investment in subsidiary [Abstract]                        
Other assets 13,454       12,104       13,454 12,104    
TOTAL ASSETS 1,223,018       1,162,984       1,223,018 1,162,984    
Liabilities [Abstract]                        
Other liabilities 13,865       12,828       13,865 12,828    
Borrowed funds 79,662       41,631       79,662 41,631    
TOTAL LIABILITIES 1,099,750       1,043,224       1,099,750 1,043,224    
Stockholders' equity 123,268       119,760       123,268 119,760 $ 100,528 $ 92,056
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 1,223,018       1,162,984       1,223,018 1,162,984    
Dividends from [Abstract]                        
TOTAL INTEREST AND DIVIDEND INCOME 11,169 $ 10,948 $ 10,426 $ 10,462 9,251 $ 8,863 $ 8,768 $ 8,771 43,005 35,653 35,291  
Realized securities gains 100 0 128 27 (1) 129 175 126 255 429 616  
Expenses                 6,645 4,900 4,508  
NET INCOME 3,171 3,153 3,031 3,283 2,460 2,857 3,189 3,120 12,638 11,626 13,385  
Comprehensive income                 11,482 10,623 15,377  
Cash flows from operating activities [Abstract]                        
Net income 3,171 3,153 3,031 3,283 2,460 2,857 3,189 3,120 12,638 11,626 13,385  
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]                        
Investment securities gains (100) $ 0 $ (128) (27) 1 $ (129) $ (175) (126) (255) (429) (616)  
Other, net                 827 (319) 322  
Net cash provided by operating activities                 16,194 12,811 16,178  
Cash flows from investing activities [Abstract]                        
Purchases of available-for-sale securities                 (55,600) (111,304) (56,257)  
Proceeds from the sale of available-for-sale securities                 22,372 30,464 28,989  
Net cash (used in) provided by investing activities                 (70,078) 19,063 (8,217)  
Cash flows from financing activities [Abstract]                        
Cash dividends paid                 (5,081) (5,151) (6,121)  
Purchase of treasury stock                 (3,227) (2,455) (814)  
Purchase of restricted stock                 0 (7) (170)  
Net cash provided by (used in) financing activities                 47,254 (18,913) (6,621)  
Net (decrease) increase in cash and cash equivalents                 (6,630) 12,961 1,340  
Cash and Cash Equivalents at Beginning of Year       24,384       11,423 24,384 11,423 10,083  
Cash and Cash Equivalents at End of Year 17,754       24,384       17,754 24,384 11,423  
Company [Member]                        
Assets [Abstract]                        
Cash 2,245       4,593       2,245 4,593    
Available-for-sale securities 2,735       2,332       2,735 2,332    
Investment in subsidiary [Abstract]                        
First Citizens Community Bank 125,973       120,370       125,973 120,370    
Other assets 564       557       564 557    
TOTAL ASSETS 131,517       127,852       131,517 127,852    
Liabilities [Abstract]                        
Other liabilities 749       592       749 592    
Borrowed funds 7,500       7,500       7,500 7,500    
TOTAL LIABILITIES 8,249       8,092       8,249 8,092    
Stockholders' equity 123,268       119,760       123,268 119,760    
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 131,517       127,852       131,517 127,852    
Dividends from [Abstract]                        
Bank subsidiary                 5,842 5,582 14,332  
Available-for-sale securities                 92 71 56  
TOTAL INTEREST AND DIVIDEND INCOME                 5,934 5,653 14,388  
Realized securities gains                 31 76 0  
Expenses                 463 892 555  
Income before equity in undistributed earnings of subsidiary                 5,502 4,837 13,833  
Equity in undistributed earnings - First Citizens Community Bank                 7,136 6,789 (448)  
NET INCOME                 12,638 11,626 13,385  
Comprehensive income                 11,482 10,623 15,377  
Cash flows from operating activities [Abstract]                        
Net income                 12,638 11,626 13,385  
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]                        
Equity in undistributed earnings of subsidiaries                 (7,136) (6,789) 448  
Investment securities gains                 (31) (76) 0  
Other, net                 289 322 174  
Net cash provided by operating activities                 5,760 5,083 14,007  
Cash flows from investing activities [Abstract]                        
Purchases of available-for-sale securities                 (1) (901) (602)  
Proceeds from the sale of available-for-sale securities                 201 113 0  
Net cash (used in) provided by investing activities                 200 (788) (602)  
Cash flows from financing activities [Abstract]                        
Cash dividends paid                 (5,081) (5,151) (6,121)  
Purchase of treasury stock                 (3,227) (2,455) (814)  
Purchase of restricted stock                 0 (7) (170)  
Net cash provided by (used in) financing activities                 (8,308) (7,613) (7,105)  
Net (decrease) increase in cash and cash equivalents                 (2,348) (3,318) 6,300  
Cash and Cash Equivalents at Beginning of Year       $ 4,593       $ 7,911 4,593 7,911 1,611  
Cash and Cash Equivalents at End of Year $ 2,245       $ 4,593       $ 2,245 $ 4,593 $ 7,911  
XML 95 R81.htm IDEA: XBRL DOCUMENT v3.7.0.1
CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) (Details) - USD ($)
$ / shares in Units, $ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2016
Sep. 30, 2016
Jun. 30, 2016
Mar. 31, 2016
Dec. 31, 2015
Sep. 30, 2015
Jun. 30, 2015
Mar. 31, 2015
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) [Abstract]                      
Interest income $ 11,169 $ 10,948 $ 10,426 $ 10,462 $ 9,251 $ 8,863 $ 8,768 $ 8,771 $ 43,005 $ 35,653 $ 35,291
Interest expense 1,293 1,236 1,255 1,257 1,211 1,218 1,207 1,184 5,041 4,820 4,953
NET INTEREST INCOME 9,876 9,712 9,171 9,205 8,040 7,645 7,561 7,587 37,964 30,833 30,338
Provision for loan losses 750 500 135 135 120 120 120 120 1,520 480 585
Non-interest income 1,992 1,908 1,855 1,889 1,876 1,736 1,780 1,602 7,899 7,423 7,356
Investment securities gains, net 100 0 128 27 (1) 129 175 126 255 429 616
Non-interest expenses 7,258 7,200 7,301 6,912 6,814 5,852 5,428 5,335 28,671 23,429 20,165
Income before provision for income taxes 3,960 3,920 3,718 4,074 2,981 3,538 3,968 3,860 15,672 14,347 16,944
Provision for income taxes 789 767 687 791 521 681 779 740 3,034 2,721 3,559
NET INCOME $ 3,171 $ 3,153 $ 3,031 $ 3,283 $ 2,460 $ 2,857 $ 3,189 $ 3,120 $ 12,638 $ 11,626 $ 13,385
Earnings Per Share Basic (in dollars per share) $ 0.95 $ 0.94 $ 0.91 $ 0.98 $ 0.79 $ 0.94 $ 1.04 $ 1.02 $ 3.78 $ 3.79 $ 4.36
Earnings Per Share Diluted (in dollars per share) $ 0.95 $ 0.94 $ 0.91 $ 0.98 $ 0.79 $ 0.94 $ 1.04 $ 1.02 $ 3.78 $ 3.79 $ 4.36
XML 96 R82.htm IDEA: XBRL DOCUMENT v3.7.0.1
ACQUISITION OF FNB (Details)
$ / shares in Units, shares in Thousands, $ in Thousands
 12 Months Ended
Dec. 11, 2015
USD ($)
$ / shares
shares
Dec. 31, 2016
USD ($)
Dec. 31, 2015
USD ($)
Dec. 31, 2014
USD ($)
Jun. 30, 2015
Branches
$ / shares
Adjustments to reflect liabilities acquired at fair value: [Abstract]          
Goodwill resulting from merger [1]   $ 21,089 $ 21,089    
Merger and acquisition   0 1,103 $ 237  
Assets (liabilities) acquired [Abstract]          
Goodwill resulting from the FNB merger [1]   21,089 21,089    
First National Bank of Fredericksburg [Member]          
Summarizes the purchase of FNB [Abstract]          
Merger agreement per share in cash and stock (in dollars per share) | $ / shares         $ 630
Ownership percentage         100.00%
Business acquisition credit impaired loans purchased $ 3,809        
Purchase Price Consideration - Cash for Common Stock [Abstract]          
Purchase price assigned to The First National Bank of Fredericksburg common shares exchanged for cash 5,619        
Total Purchase Price 21,603        
Net Assets Acquired [Abstract]          
The First National Bank of Fredericksburg shareholders' equity 12,298        
Loans [Abstract]          
Interest rate 31        
General credit (1,362)        
Specific credit - non-amortizing (2,495)        
Specific credit - amortizing (665)        
Core deposit intangible 1,641        
Covenant not to compete 125        
Premises and equipment 1,203        
Leased premises contracts (359)        
Other assets (358)        
Deferred tax assets 785        
Adjustments to reflect liabilities acquired at fair value: [Abstract]          
Time deposits (74)        
Acquired and liabilities assumed, net 10,770        
Goodwill resulting from merger 10,833 0 10,833 0  
Goodwill and other intangibles 12,814        
Merger and acquisition     1,103    
Asset acquired and liability assumed [Abstract]          
Total Purchase Price 21,603        
Assets (liabilities) acquired [Abstract]          
Cash and cash equivalents 83,514 0 83,514 0  
Interest bearing time deposits with other banks 1,236 0 1,236 0  
Securities available for sale 23,831 0 23,831 0  
Loans 115,211 0 115,211 0  
Premises and equipment, net 4,743 0 4,743 0  
Accrued interest receivable 282 0 282 0  
Bank-owned life insurance 4,598 0 4,598 0  
Intangibles 1,981 0 1,981 0  
Deferred tax asset 2,979 0 2,979 0  
Other assets 2,332 0 2,332 0  
Time deposits (42,675)        
Deposits other than time deposits (182,555)        
Accrued interest payable (14) 0 (14) 0  
Other liabilities (4,693) 0 (4,693) 0  
Acquired and liabilities assumed, net 10,770        
Goodwill resulting from the FNB merger $ 10,833 $ 0 $ 10,833 $ 0  
First National Bank of Fredericksburg [Member] | Lebanon County [Member]          
Summarizes the purchase of FNB [Abstract]          
Number of Branches | Branches         4
First National Bank of Fredericksburg [Member] | Schuylkill County [Member]          
Summarizes the purchase of FNB [Abstract]          
Number of Branches | Branches         2
First National Bank of Fredericksburg [Member] | Berks County [Member]          
Summarizes the purchase of FNB [Abstract]          
Number of Branches | Branches         1
First National Bank of Fredericksburg [Member] | Common Stock [Member]          
Purchase Price Consideration in Common Stock [Abstract]          
Citizens Financial Services, Inc. shares issued (in shares) | shares 336,515        
Value assigned to Citizens Financial Services, Inc. common share (in dollars per share) | $ / shares $ 47.5        
Purchase price assigned to FNB common shares exchanged for Citizens Financial Services, Inc. $ 15,984        
[1] Excludes fully amortized intangible assets
XML 97 R83.htm IDEA: XBRL DOCUMENT v3.7.0.1
ACQUISITION OF FNB, Pro Forma Information (Details) - USD ($)
$ / shares in Units, $ in Thousands
 1 Months Ended 3 Months Ended 12 Months Ended
Dec. 31, 2015
Dec. 31, 2016
Sep. 30, 2016
Jun. 30, 2016
Mar. 31, 2016
Dec. 31, 2015
Sep. 30, 2015
Jun. 30, 2015
Mar. 31, 2015
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Integration costs and amortization of fair value [Abstract]                        
Net interest income   $ 9,876 $ 9,712 $ 9,171 $ 9,205 $ 8,040 $ 7,645 $ 7,561 $ 7,587 $ 37,964 $ 30,833 $ 30,338
Non-interest income   1,992 1,908 1,855 1,889 1,876 1,736 1,780 1,602 7,899 7,423 7,356
Net income   $ 3,171 $ 3,153 $ 3,031 $ 3,283 $ 2,460 $ 2,857 $ 3,189 $ 3,120 12,638 11,626 13,385
First National Bank of Fredericksburg [Member]                        
Integration costs and amortization of fair value [Abstract]                        
Net interest income $ 401                      
Non-interest income 21                      
Net income $ (22)                      
Proforma net interest income                   35,837 37,736 37,634
Proforma non-interest income                   7,899 8,576 8,184
Proforma net income                   $ 12,073 $ 8,640 $ 14,019
Pro forma earnings per share [Abstract]                        
Basic (in dollars per share)                   $ 3.61 $ 2.57 $ 4.15
Diluted (in dollars per share)                   $ 3.61 $ 2.57 $ 4.15
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