0000739421-18-000016.txt : 20180308 0000739421-18-000016.hdr.sgml : 20180308 20180308153457 ACCESSION NUMBER: 0000739421-18-000016 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 105 CONFORMED PERIOD OF REPORT: 20171231 FILED AS OF DATE: 20180308 DATE AS OF CHANGE: 20180308 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: 18676272 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, 2017

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, a smaller reporting company or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer", "smaller reporting company" and "emerging growth company" in Rule 12b-2 of the Exchange Act.:
Large accelerated filer  ☐                                                                                                                                                             Accelerated filer  ■
Non-accelerated filer  ☐                                                                                                                                                                Smaller reporting company  ☐
(Do not check if a smaller reporting company)                                                                                                                              Emerging growth company  ☐

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

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. $166,105,387 as of June 30, 2017.

As of February 26, 2018, there were 3,484,305 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 2018 Annual Meeting of Shareholders.



Citizens Financial Services, Inc.
Form 10-K
INDEX
 
Page
PART I
  
ITEM 1 – BUSINESS
1 – 9
ITEM 1A – RISK FACTORS
9 – 16
ITEM 1B – UNRESOLVED STAFF COMMENTS
17
ITEM 2 – PROPERTIES
17
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 – 51
ITEM 7A – QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK
51
ITEM 8 – FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
52 – 113
ITEM 9 – CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND    FINANCIAL DISCLOSURE
114
ITEM 9A – CONTROLS AND PROCEDURES
114
ITEM 9B– OTHER INFORMATION
114
PART III
  
ITEM 10 – DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE
115
ITEM 11 – EXECUTIVE COMPENSATION
115
ITEM 12 – SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS
115 – 116
ITEM 13 – CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE
116
ITEM 14 – PRINCIPAL ACCOUNTANT FEES AND SERVICES
116
PART IV
  
ITEM 15 – EXHIBITS AND FINANCIAL STATEMENT SCHEDULES
117 – 119
ITEM 16 – FORM 10-K SUMMARY
119
   
SIGNATURES
120

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. We completed the acquisition of a branch in Centre County, Pennsylvania on December 8, 2017. 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. In 2017, the Bank opened a limited branch office in Lancaster County. We also purchased a full service branch in State College, Pennsylvania in 2017, which is located in Centre 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 25 full service offices and two limited branch office in its market areas.
As of December 31, 2017, the Bank had 233 full time employees and 40 part-time employees, resulting in 253 full time equivalent employees at our corporate offices and other banking locations.
1
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.  There has been an increase in competitive pressures as entities continue to seek loan growth and expand into new markets. In north central Pennsylvania there has been additional competition from brokerage firms and retirement fund management firms due to the wealth generated from the exploration for natural gas in the market area.  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.
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.
2
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 were 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, for banks with assets about $10.0 billion, was capped at $0.21 per transaction, plus an additional 5 basis point charge to cover fraud losses.
3
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.
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.
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 regulator 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.
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.
4
As of December 31, 2017, 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.
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.
5
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 2017, without prior regulatory approval, aggregate dividends of approximately $13.9 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.
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.
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.
6
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 2018, the Bank is required to maintain average daily reserves equal to 3% on aggregate transaction accounts of up to and including $122.3 million, plus 10% on the remainder, and the first $16.0 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 TYING 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;
•
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
7
•
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.
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.
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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 Change in Bank Control Act (the "CIBCA"), a federal statute, 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.
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.
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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.
Activities related to the drilling for natural gas in the in the Marcellus and Utica Shale formations impacts certain customers of the Bank.
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 $11.2 million, or 1.12% of total loans outstanding and 104.3% of nonperforming loans, at December 31, 2017. Our allowance for loan losses at December 31, 2017 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, 2017 we had a total of 39 loan relationships with outstanding balances that exceeded $3.0 million, 38 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.
In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments, which changes the impairment model for most financial assets.  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. The implementation of this standard may result in significant changes to the balance in the allowance for loan losses and may results in significant costs being expended to implement.
Our emphasis on commercial real estate, agricultural real estate, construction and municipal lending may expose us to increased lending risks.
At December 31, 2017, we had $308.1 million in loans secured by commercial real estate, $240.0 million in agricultural real estate loans, $13.5 million in construction loans and $104.7 million in municipal loans. Commercial real estate loans, agricultural real estate, construction and municipal loans represented 30.8%, 24.0%, 1.3% and 10.5%, respectively, of our loan portfolio.  At December 31, 2017, we had $7.8 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. We monitor loan concentrations on an individual relationship and industry wide basis to monitor the amount of risk we have in our loan portfolio.
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, 2017, our agricultural loans, consisting primarily of agricultural real estate loans and other agricultural loans were $277.8 million representing 27.8% 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, 2017, the Company had a loan concentration to the dairy industry as loans to this industry totaled $137,502,000, or 13.7% of total loans.
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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;
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loss of crops or livestock due to disease or other factors;
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declines in the market prices or demand for agricultural products (both domestically and internationally), for any reason;
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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);
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access to technology and the successful implementation of production technologies; and
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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 perishable 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 comprise a significant portion of our loan portfolio and a decline in loan participation volume could hurt profits and slow loan growth.
We have actively engaged in loan participations 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 totaled $84.7 million, $86.7 million and $86.3 million at December 31, 2017, 2016 and 2015, respectively. As a percent of total loans, participation purchased loans were 8.5%, 10.8% and 12.4% as of December 31, 2017, 2016 and 2015. 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, 2017, our investment portfolio included available for sale investment securities with an amortized cost of $255.1 million and a fair value of $254.9 million, which included unrealized losses on 122 securities totaling $1,288,000.  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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Our profits, asset values and liquidity could be hurt if the Pennsylvania state legislature and governor fail to pass a state budget.
The Company makes loans to, invests in securities issued by, and maintains deposit accounts of Pennsylvania municipalities, primarily school districts.  If a 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. 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 $28,329,000 at December 31, 2017. The FHLB maintains a first-loss position for the MPF portfolio that totals $123,000. Should the FHLB exhaust its first-loss position, recourse to the Bank's credit enhancement would be up to the next $980,000 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, Lebanon, Schuylkill, Berks and Lancaster in south central, Pennsylvania  and Allegany, Steuben, Chemung and Tioga Counties in southern New York.  With the acquisition of the State College branch in December 2017, we consider Centre County to be a primary market going forward. As of December 31, 2017, management estimates that approximately 90.1% of deposits and 64.5% 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.
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.
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Although the U.S. economy is not currently in a recession, economic growth has been uneven, and while the unemployment rate has decreased, the percentage of people out of the workforce remains elevated. A return to prolonged deteriorating economic conditions and/or 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 in 2015, the hiring of additional agricultural lending teams in 2016 and the State College branch acquisition in 2017, the Company entered into new banking market areas.  The success of entering these new markets 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 the acquisition, 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 hiring's, 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.
Strong competition within the Bank's market areas could hurt profits and slow growth.
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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, 2017, which is the most recent date for which information is available, we held 35.7% 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 6.2% 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, 2017, we held 7.1% 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.
We are subject to certain risks in connection with our use of technology.
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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.
Impairment of goodwill could require charges to earnings, which could result in a negative impact on our results of operations.
Our goodwill could become impaired in the future. If goodwill were to become impaired, it could limit the ability of the Bank to pay dividends to the Company, adversely impacting the Company's liquidity and ability to pay dividends. The most significant assumptions affecting our goodwill impairment evaluation are variables including the market price of our Common Stock, projections of earnings, and the control premium above our current stock price that an acquirer would pay to obtain control of us. We are required to test goodwill for impairment at least annually or when impairment indicators are present. If an impairment determination is made in a future reporting period, our earnings and book value of goodwill will be reduced by the amount of the impairment. If an impairment loss is recorded, it will have little or no impact on the tangible book value of our Common Stock, or our regulatory capital levels, but such an impairment loss could significantly reduce the Bank's earnings and thereby restrict the Bank's ability to make dividend payments to us without prior regulatory approval, because Federal Reserve policy states the bank holding company dividends should be paid from current earnings. At December 31, 2017, the book value of our goodwill was $23.3 million, all of which was recorded at the Bank.
16
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 two banking facilities and leases seven 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 $15,603,000 as of December 31, 2017.  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.

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.

17
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 2017 and 2016, cash dividends were declared on a quarterly basis and are summarized in the table below:
     
Dividends
                
Dividends
  
 
  
2017
    
declared
    
2016
    
declared
  
   
High
    
Low
    
per share
    
High
    
Low
    
per share
  
First quarter
  
$
50.29
    
$
48.29
    
$
0.425
    
$
48.51
    
$
46.78
    
$
0.415
  
Second quarter
    
53.50
      
50.10
      
0.425
      
48.50
      
46.53
      
0.415
  
Third quarter
    
57.00
      
52.65
      
0.430
      
52.00
      
47.25
      
0.420
  
Fourth quarter
    
62.51
      
57.05
      
0.430
      
51.75
      
49.50
      
0.420
  
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 Matters" to the consolidated financial statements.
As of February 26, 2018, the Company had approximately 1,766 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, 2017:
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)
  
10/1/17 to 10/31/17
    
-
    
$
0.00
      
-
      
94,976
  
11/1/17 to 11/30/17
    
451
    
$
59.37
      
451
      
94,525
  
12/1/17 to 12/31/17
    
5,086
    
$
60.27
      
5,086
      
89,439
  
Total
    
5,537
    
$
60.20
      
5,537
      
89,439
  
(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, 2010 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
12/31/10
12/31/11
12/31/12
12/31/13
12/31/14
12/31/15
12/31/16
12/31/17
Citizens Financial Services, Inc.
100
97.16
127.15
171.89
179.56
169.90
191.94
245.23
S&P 500
100
102.11
118.45
156.82
178.28
180.75
202.37
246.55
SNL Mid-Atlantic Bank
100
75.13
100.64
135.65
147.79
153.33
194.89
238.86
SNL Bank $1B-$5B
100
91.2
112.45
163.52
170.98
191.39
275.35
293.55
SNL Bank $500M-$1B
100
87.98
112.79
146.26
160.46
181.11
244.54
298.34
 
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, 2017:
(in thousands, except per share data)
  
2017
    
2016
    
2015
    
2014
    
2013
  
Interest and dividend income
  
$
48,093
    
$
43,005
    
$
35,653
    
$
35,291
    
$
36,234
  
Interest expense
    
5,839
      
5,041
      
4,820
      
4,953
      
6,315
  
Net interest income
    
42,254
      
37,964
      
30,833
      
30,338
      
29,919
  
Provision for loan losses
    
2,540
      
1,520
      
480
      
585
      
405
  
Net interest income after provision
                                        
  for loan losses
    
39,714
      
36,444
      
30,353
      
29,753
      
29,514
  
Non-interest income
    
7,621
      
7,644
      
6,994
      
6,740
      
6,982
  
Investment securities gains (losses), net
    
1,035
      
255
      
429
      
616
      
441
  
Non-interest expenses
    
29,314
      
28,671
      
23,429
      
20,165
      
19,810
  
Income before provision for income taxes
    
19,056
      
15,672
      
14,347
      
16,944
      
17,127
  
Provision for income taxes
    
6,031
      
3,034
      
2,721
      
3,559
      
3,752
  
Net income
  
$
13,025
    
$
12,638
    
$
11,626
    
$
13,385
    
$
13,375
  
 
                                        
Per share data:
                                        
Net income - Basic (1)
  
$
3.74
    
$
3.60
    
$
3.60
    
$
4.14
    
$
4.11
  
Net income - Diluted (1)
    
3.74
      
3.60
      
3.60
      
4.13
      
4.11
  
Cash dividends declared (1)
    
1.67
      
1.58
      
1.63
      
2.04
      
1.14
  
Stock dividend
    
5
%
    
1
%
    
0
%
    
1
%
    
5
%
Book value (1) (2)
    
37.81
      
35.77
      
33.95
      
30.82
      
28.76
  
 
                                        
End of Period Balances:
                                        
Total assets
  
$
1,361,886
    
$
1,223,018
    
$
1,162,984
    
$
925,048
    
$
914,934
  
Total investments
    
254,782
      
314,017
      
359,737
      
306,146
      
317,301
  
Loans
    
1,000,525
      
799,611
      
695,031
      
554,105
      
540,612
  
Allowance for loan losses
    
11,190
      
8,886
      
7,106
      
6,815
      
7,098
  
Total deposits
    
1,104,943
      
1,005,503
      
988,031
      
773,933
      
748,316
  
Total borrowed funds
    
114,664
      
79,662
      
41,631
      
41,799
      
66,932
  
Stockholders' equity
    
129,011
      
123,268
      
119,760
      
100,528
      
92,056
  
 
                                        
Key Ratios:
                                        
Return on assets (net income to average total assets)
    
1.03
%
    
1.06
%
    
1.22
%
    
1.48
%
    
1.51
%
Return on equity (net income to average total equity)
    
10.04
%
    
10.24
%
    
11.20
%
    
13.73
%
    
14.89
%
Equity to asset ratio (average equity to average total assets,
                                        
  excluding other comprehensive income)
    
10.31
%
    
10.35
%
    
10.91
%
    
10.74
%
    
10.13
%
Net interest margin
    
3.80
%
    
3.68
%
    
3.76
%
    
3.84
%
    
3.87
%
Efficiency (3)
    
54.82
%
    
57.97
%
    
54.50
%
    
48.61
%
    
48.12
%
Dividend payout ratio (dividends declared divided by net income)
    
44.97
%
    
44.12
%
    
46.00
%
    
49.32
%
    
27.63
%
Tier 1 leverage
    
9.18
%
    
9.46
%
    
11.01
%
    
10.99
%
    
10.42
%
Common equity risk based capital
    
11.27
%
    
12.89
%
    
14.14
%
    
N/A
      
N/A
  
Tier 1 risk-based capital
    
12.04
%
    
13.81
%
    
15.20
%
    
17.30
%
    
16.44
%
Total risk-based capital
    
13.21
%
    
14.93
%
    
16.23
%
    
18.55
%
    
17.75
%
Nonperforming assets/total loans
    
1.18
%
    
1.61
%
    
1.22
%
    
1.67
%
    
1.88
%
Nonperforming loans/total loans
    
1.07
%
    
1.48
%
    
1.03
%
    
1.34
%
    
1.63
%
Allowance for loan losses/total loans
    
1.12
%
    
1.11
%
    
1.02
%
    
1.23
%
    
1.31
%
Net charge-offs (recoveries)/average loans
    
0.03
%
    
(0.04
%)
    
0.03
%
    
0.16
%
    
0.02
%
 
                                        
(1) Amounts were 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, including expansions, 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 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.
·
Loan concentrations in certain industries could negatively impact our results, if financial results or economic conditions deteriorate.
·
A budget impasse in the Commonwealth of Pennsylvania could impact our asset values, liquidity and profitability as a result of either delayed or reduced funding to school districts and municipalities who are customers of the bank.
·
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 the accompanying consolidated financial statements for the Company. The 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.
The Company currently engages in the general business of banking throughout our service area of Potter, Tioga, Clinton, Potter and Centre 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 29 banking facilities, 28 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, State College and three branches near the city of Lebanon, Pennsylvania. We also have limited branch offices in Winfield and Narvon, 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.
22
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.
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, 2017 and 2016, assets owned and invested by customers of the Bank through the Bank's investment representatives totaled $156.0 million and $137.4 million, respectively.  Additionally, as summarized in the table below, the Trust Department had assets under management as of December 31, 2017 and 2016 of $122.7 million and $110.6 million, respectively. The increase in assets under management is due to due to new accounts and contributions of $7.5 million, accounts closings and distributions of $7.2 million and changes in market value and income of $11.8 million.
(market values - in thousands)
  
2017
    
2016
  
INVESTMENTS:
            
Bonds
  
$
18,672
    
$
17,871
  
Stock
    
18,957
      
18,860
  
Savings and Money Market Funds
    
13,076
      
10,697
  
Mutual Funds
    
67,027
      
59,306
  
Mineral interests
    
3,885
      
2,598
  
Mortgages
    
343
      
456
  
Real Estate
    
513
      
613
  
Miscellaneous
    
238
      
170
  
Cash
    
9
      
-
  
TOTAL
  
$
122,720
    
$
110,571
  
ACCOUNTS:
                
Trusts
    
28,714
      
26,597
  
Guardianships
    
748
      
1,846
  
Employee Benefits
    
57,035
      
48,692
  
Investment Management
    
36,221
      
33,434
  
Custodial
    
2
      
2
  
TOTAL
  
$
122,720
    
$
110,571
  
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, 2017, customers owning 7,012 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, 2017 was $13,025,000, which represents an increase of $387,000, or 3.1%, when compared to the 2016 related period.  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.  Basic and diluted earnings per share were $3.74, $3.60, and $3.60 for the years ended 2017, 2016 and 2015, respectively.
23
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.
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 2017 were slightly impacted by the acquisition of the State College branch, which closed on December 8, 2017. The average balances and rates for 2016 were impacted by the acquisition of FNB, which closed on December 11, 2015. The FNB acquisition had a small impact on average balances for 2015:
 
24
Analysis of Average Balances and Interest Rates
  
 
  
2017
    
2016
    
2015
  
 
  
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
    
8,790
      
15
      
0.17
      
22,726
      
82
      
0.36
      
12,218
      
20
      
0.16
  
Total short-term investments
    
8,790
      
15
      
0.17
      
22,726
      
82
      
0.36
      
12,218
      
20
      
0.16
  
Interest bearing time deposits at banks
    
8,346
      
171
      
2.05
      
7,232
      
139
      
1.92
      
6,215
      
122
      
1.97
  
Investment securities:
                                                                        
  Taxable
    
194,716
      
3,366
      
1.73
      
254,673
      
3,971
      
1.56
      
202,991
      
3,320
      
1.64
  
  Tax-exempt (3)
    
84,235
      
3,657
      
4.34
      
99,689
      
4,499
      
4.51
      
97,852
      
4,776
      
4.88
  
  Total investment securities
    
278,951
      
7,023
      
2.52
      
354,362
      
8,470
      
2.39
      
300,843
      
8,096
      
2.69
  
Loans:
                                                                        
  Residential mortgage loans
    
206,321
      
10,660
      
5.17
      
204,278
      
10,749
      
5.26
      
182,877
      
10,059
      
5.50
  
  Construction loans
    
24,299
      
1,040
      
4.28
      
15,242
      
752
      
4.93
      
8,518
      
438
      
5.14
  
  Commercial Loans
    
329,767
      
17,525
      
5.31
      
302,717
      
16,163
      
5.34
      
248,754
      
12,969
      
5.21
  
  Agricultural Loans
    
214,200
      
9,251
      
4.32
      
91,279
      
4,374
      
4.79
      
43,764
      
2,325
      
5.31
  
  Loans to state & political subdivisions
    
98,427
      
4,146
      
4.21
      
101,329
      
4,278
      
4.22
      
85,631
      
3,815
      
4.45
  
  Other loans
    
10,341
      
823
      
7.96
      
11,036
      
916
      
8.30
      
8,448
      
676
      
8.00
  
  Loans, net of discount (2)(3)(4)
    
883,355
      
43,445
      
4.92
      
725,881
      
37,232
      
5.13
      
577,992
      
30,282
      
5.24
  
Total interest-earning assets
    
1,179,442
      
50,654
      
4.29
      
1,110,201
      
45,923
      
4.14
      
897,268
      
38,520
      
4.29
  
Cash and due from banks
    
6,774
                      
7,357
                      
4,197
                  
Bank premises and equipment
    
16,799
                      
17,218
                      
12,837
                  
Other assets
    
55,910
                      
57,604
                      
36,781
                  
Total non-interest earning assets
    
79,483
                      
82,179
                      
53,815
                  
Total assets
    
1,258,925
                      
1,192,380
                      
951,083
                  
LIABILITIES AND STOCKHOLDERS' EQUITY
                                                                  
Interest-bearing liabilities:
                                                                        
  NOW accounts
    
323,105
      
1,139
      
0.35
      
301,681
      
917
      
0.30
      
230,675
      
801
      
0.35
  
  Savings accounts
    
179,557
      
191
      
0.11
      
172,182
      
184
      
0.11
      
119,021
      
144
      
0.12
  
  Money market accounts
    
127,888
      
650
      
0.51
      
118,486
      
523
      
0.44
      
98,452
      
481
      
0.49
  
  Certificates of deposit
    
261,758
      
2,645
      
1.01
      
271,117
      
2,623
      
0.97
      
250,952
      
2,687
      
1.07
  
Total interest-bearing deposits
    
892,308
      
4,625
      
0.52
      
863,466
      
4,247
      
0.49
      
699,100
      
4,113
      
0.59
  
Other borrowed funds
    
68,536
      
1,214
      
1.77
      
47,004
      
794
      
1.69
      
36,700
      
707
      
1.93
  
Total interest-bearing liabilities
    
960,844
      
5,839
      
0.61
      
910,470
      
5,041
      
0.55
      
735,800
      
4,820
      
0.66
  
Demand deposits
    
153,523
                      
145,968
                      
102,977
                  
Other liabilities
    
14,802
                      
12,524
                      
8,510
                  
Total non-interest-bearing liabilities
    
168,325
                      
158,492
                      
111,487
                  
Stockholders' equity
    
129,756
                      
123,418
                      
103,796
                  
Total liabilities & stockholders' equity
    
1,258,925
                      
1,192,380
                      
951,083
                  
Net interest income
            
44,815
                      
40,882
                      
33,700
          
Net interest spread (5)
                    
3.68
%
                    
3.59
%
                    
3.63
%
Net interest income as a percentage
                                                                        
  of average interest-earning assets
                    
3.80
%
                    
3.68
%
                    
3.76
%
Ratio of interest-earning assets
                                                                        
  to interest-bearing liabilities
                    
1.23
                      
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%, which is the Bank's federal income tax rate for 2017, 2016 and 2015.
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, 2017, 2016 and 2015, respectively (in thousands):
25
 
  
2017
    
2016
    
2015
  
Interest and dividend income from investment securities,
                  
    interest bearing time deposits and short-term investments (non-tax adjusted)
  
$
5,966
    
$
7,161
    
$
6,614
  
Tax equivalent adjustment
    
1,243
      
1,530
      
1,624
  
Interest and dividend income from investment securities,
                        
    interest bearing time deposits and short-term investments (tax equivalent basis)
  
$
7,209
    
$
8,691
    
$
8,238
  
 
                        
 
    
2017
      
2016
      
2015
  
Interest and fees on loans (non-tax adjusted)
  
$
42,127
    
$
35,844
    
$
29,039
  
Tax equivalent adjustment
    
1,318
      
1,388
      
1,243
  
Interest and fees on loans (tax equivalent basis)
  
$
43,445
    
$
37,232
    
$
30,282
  
 
                        
 
    
2017
      
2016
      
2015
  
Total interest income
  
$
48,093
    
$
43,005
    
$
35,653
  
Total interest expense
    
5,839
      
5,041
      
4,820
  
Net interest income
    
42,254
      
37,964
      
30,833
  
Total tax equivalent adjustment
    
2,561
      
2,918
      
2,867
  
Net interest income (tax equivalent basis)
  
$
44,815
    
$
40,882
    
$
33,700
  

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
  
 
  
2017 vs. 2016 (1)
    
2016 vs. 2015 (1)
  
 
  
Change in
    
Change
    
Total
    
Change in
    
Change
    
Total
  
 
  
Volume
    
in Rate
    
Change
    
Volume
    
in Rate
    
Change
  
Interest Income:
                                    
Interest-bearing deposits at banks
  
$
(36
)
  
$
(31
)
  
$
(67
)
  
$
26
    
$
36
    
$
62
  
Interest bearing time deposits at banks
    
23
      
9
      
32
      
20
      
(3
)
    
17
  
Investment securities:
                                                
  Taxable
    
(1,121
)
    
516
      
(605
)
    
797
      
(146
)
    
651
  
  Tax-exempt
    
(677
)
    
(165
)
    
(842
)
    
92
      
(369
)
    
(277
)
Total investment securities
    
(1,798
)
    
351
      
(1,447
)
    
889
      
(515
)
    
374
  
Total investment income
    
(1,811
)
    
329
      
(1,482
)
    
935
      
(482
)
    
453
  
Loans:
                                                
  Residential mortgage loans
    
110
      
(199
)
    
(89
)
    
1,096
      
(406
)
    
690
  
  Construction loans
    
371
      
(83
)
    
288
      
331
      
(17
)
    
314
  
  Commercial Loans
    
1,437
      
(75
)
    
1,362
      
2,875
      
319
      
3,194
  
  Agricultural Loans
    
5,263
      
(386
)
    
4,877
      
2,252
      
(203
)
    
2,049
  
  Loans to state & political subdivisions
    
(122
)
    
(10
)
    
(132
)
    
648
      
(185
)
    
463
  
  Other loans
    
(56
)
    
(37
)
    
(93
)
    
214
      
26
      
240
  
Total loans, net of discount
    
7,003
      
(790
)
    
6,213
      
7,416
      
(466
)
    
6,950
  
Total Interest Income
    
5,192
      
(461
)
    
4,731
      
8,351
      
(948
)
    
7,403
  
Interest Expense:
                                                
Interest-bearing deposits:
                                                
  NOW accounts
    
69
      
153
      
222
      
195
      
(79
)
    
116
  
  Savings accounts
    
8
      
(1
)
    
7
      
54
      
(14
)
    
40
  
  Money Market accounts
    
44
      
83
      
127
      
79
      
(37
)
    
42
  
  Certificates of deposit
    
(78
)
    
100
      
22
      
321
      
(385
)
    
(64
)
Total interest-bearing deposits
    
43
      
335
      
378
      
649
      
(515
)
    
134
  
Other borrowed funds
    
379
      
41
      
420
      
156
      
(69
)
    
87
  
Total interest expense
    
422
      
376
      
798
      
805
      
(584
)
    
221
  
Change in net interest income
  
$
4,770
    
$
(837
)
  
$
3,933
    
$
7,546
    
$
(364
)
  
$
7,182
  
 
                                                
(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
2017 vs. 2016
Tax equivalent net interest income for 2017 was $44,815,000 compared to $40,882,000 for 2016, an increase of $3,933,000 or 9.6%. Total interest income increased $4,731,000, as loan interest income increased $6,213,000, while total investment income decreased $1,482,000. Interest expense increased $798,000 from 2016.
Total tax equivalent interest income from investment securities decreased $1,447,000 in 2017 from 2016. The average balance of investment securities decreased $75.4 million, which had an effect of decreasing interest income by $1,798,000 due to volume. The majority of the decrease in volume was in taxable securities, which experienced a decrease in the average balance of $60.0 million. The average tax-effected yield on our investment portfolio increased from 2.39% in 2016 to 2.52% in 2017.  This had the effect of increasing interest income by $351,000 due to rate, which was related to taxable securities whose yield increased from 1.56% in 2016 to 1.73% in 2017. The primary driver of the decrease in the average balance of investments securities is attributable to the decision to fund a portion of our strong loan growth through the cashflows of the investment portfolio. The increase in yield is attributable to the Federal Reserve raising interest rates during 2017. Investment purchases in 2017 focused on securities with short fixed maturities for agency securities and short repricing windows for asset backed securities. We also focused our purchases on securities with lower risk weightings due to the loan growth experienced that carries a higher risk weight for capital adequacy purposes. We continually monitor interest rate trading ranges and try to focus purchases to times when rates are in the top third of the trading range. The Bank believes its investment strategy has appropriately mitigated its interest rate risk exposure if rates continue to rise, while providing sufficient cashflows.
In total, loan interest income increased $6,213,000 in 2017 from 2016.  The average balance of our loan portfolio increased by $157.5 million in 2017 compared to 2016, which resulted in an increase in interest income of $7,003,000 due to volume.  Offsetting this was a decrease in average yield on total loans from 5.13% in 2016 to 4.92% in 2017 resulting in a decrease in interest income of $790,000 due to rate. The increase in the average balance of loans was driven by the 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 decreased $89,000. The average balance of residential mortgage loans increased $2.0 million, resulting in an increase of $110,000 due to volume. The change due to rate was a decrease of $199,000 as the average yield on residential mortgages decreased from 5.26% in 2016 to 5.17% in 2017. 
·
The average balance of construction loans increased $9.1 million from 2016 to 2017, due to several large projects in progress during 2017 which resulted in an increase of $371,000 in interest income. Additionally, the average yield on construction loans decreased from 4.93% to 4.28%, which correlated to a $83,000 decrease in interest income.
·
Interest income on commercial loans increased $1,362,000 from 2016 to 2017.  The increase in the average balance of commercial loans of $27.1 million is primarily attributable to 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 loan growth.  The increase in the average balance of these loans resulted in an increase in interest income due to volume of $1,437,000.  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 Small Business Administration (SBA) guaranteed loan programs to offset risk and to further promote economic growth in our market area.
27
·
Interest income on agricultural loans increased $4,877,000 from 2016 to 2017.  The increase in the average balance of agricultural loans of $122.9 million is primarily attributable to the additional lenders hired in 2016 to serve the central and south central markets. The market disruption discussed above resulted in agricultural loan growth in the Lancaster and Lebanon markets.  The increase in the average balance of these loans resulted in an increase in interest income due to volume of $5,263,000.  The average yield on agricultural loans decreased from 4.79% in 2016 to 4.32% in 2017 resulting in a decrease in interest income due to rate of $386,000. 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) guaranteed loan programs to offset risk and to further promote economic growth in our market area.
·
The average balance of loans to state and political subdivisions decreased $2.9 million from 2016 to 2017 which had a negative impact of $122,000 on total interest income due to volume. The average tax equivalent yield on loans to state and political subdivisions decreased from 4.22% in 2016 to 4.21% in 2017, decreasing interest income by $10,000.
Total interest expense increased $798,000 in 2017 compared to 2016.  A portion of the increase is attributable to a change in volume as the average balance of interest bearing liabilities increased $50.4 million in 2017, which had the effect of increasing interest expense by $422,000. This increase was attributable to growth necessary to fund the loan growth experienced by the Bank. Increases in average deposits included NOW accounts of $21.4 million, savings accounts of $7.4 million and money markets accounts of $9.4. The combined impact to interest expense of these increases was an increase $121,000. The average balance of other borrowed funds increased $21.5 million as a result of funding loan growth, which corresponds to an increase in interest expense of $3789,000. The average balance of certificates of deposits decreased $9.4 million, which corresponds to a decrease in interest expense of $78,000.
The average interest rate paid on interest bearing liabilities increased from 0.55% in 2016 to 0.61% in 2017, which resulted in an increase in interest expense of $376,000. The Federal Reserve raised short term rates during 2017, but long term rates experienced little change. The average rate on certificates of deposit increased from 0.97% to 1.01% resulting in an increase in interest expense of $100,000. The average rate paid on other borrowed funds increased from 1.69% to 1.77% resulting in an increase in interest expense of $41,000. Increases in rates paid on NOW accounts, savings accounts and money market accounts were less than 7 basis points, and resulted in a cumulative increase in interest expense of $235,000.
Our net interest margin for 2017 was 3.80% compared to 3.68% for 2016.  The interest rate environment for the majority of 2017 was a flat yield curve with short term rates rising, while longer term rates remained steady. Should short or long-term interest rates move in such a way that results in a further flattening or inverted yield curve, we would anticipate additional pressure on our margin.

2016 vs. 2015
Tax equivalent net interest income for 2016 was $40,882,000 compared to $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 was attributable to the FNB acquisition.  The decrease in yield was 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.
28
In total, loan interest income increased $6,950,000 in 2016 from 2015.  The average balance of the loan portfolio increased by $147.9 million in 2016 compared to 2015, which resulted in an increase in interest income of $7,416,000 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 $466,000 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.
·
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 loans increased $3,194,000 from 2015 to 2016.  The increase in the average balance of commercial loans of $54.0 million is primarily attributable to the acquisition of FNB. The increase in the average balance of these loans resulted in an increase in interest income due to volume of $2,875,000.  The average rate on commercial loans increased 13 basis points to 5.34% in 2016, resulting in an increase in income of $319,000.
·
Interest income on agricultural loans increased $2,049,000 from 2015 to 2016.  The increase in the average balance of agricultural loans of $47.5 million is primarily attributable to the additional lenders hired in 2016 to serve the central and south central markets. The increase in the average balance of these loans resulted in an increase in interest income due to volume of $2,252,000.  The average yield on agricultural loans decreased from 5.31% in 2015 to 4.79% in 2016 resulting in a decrease in interest income due to rate of $203,000.
·
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 during 2016. The low interest rate environment had the effect of decreasing our rates on certificate of deposit products. 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.
29
Our net interest margin for 2016 was 3.68% compared to 3.76% for 2015.

PROVISION FOR LOAN LOSSES
For the year ended December 31, 2017, we recorded a provision for loan losses of $2,540,000. The provision for 2017 was $1,020,000, or 67.1%, higher than the provision in 2016. The increase in the provision for loan losses was primarily the result of the organic loan growth experienced in 2017. (see also "Financial Condition – Allowance for Loan Losses and Credit Quality Risk").
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").
NON-INTEREST INCOME
The following table reflects non-interest income by major category for the periods ended December 31 (dollars in thousands):
NON-INTEREST INCOME
  
 
                        
 
  
2017
    
2016
    
2015
        
Service charges
  
$
4,456
    
$
4,461
    
$
4,126
        
Trust
    
755
      
693
      
673
        
Brokerage and insurance
    
635
      
766
      
720
        
Investment securities gains, net
    
1,035
      
255
      
429
        
Gains on loans sold
    
578
      
449
      
404
        
Earnings on bank owned life insurance
    
660
      
688
      
628
        
Other
    
537
      
587
      
443
        
Total
  
$
8,656
    
$
7,899
    
$
7,423
        
 
    
 
      
 
  
                 
     
2017/2016
      
2016/2015
  
 
  
Change
    
Change
  
 
  
Amount
    
%
    
Amount
    
%
  
Service charges
  
$
(5
)
    
(0.1
)
  
$
335
      
8.1
  
Trust
    
62
      
8.9
      
20
      
3.0
  
Brokerage and insurance
    
(131
)
    
(17.1
)
    
46
      
6.4
  
Investment securities gains, net
    
780
      
305.9
      
(174
)
    
(40.6
)
Gains on loans sold
    
129
      
28.7
      
45
      
11.1
  
Earnings on bank owned life insurance
    
(28
)
    
(4.1
)
    
60
      
9.6
  
Other
    
(50
)
    
(8.5
)
    
144
      
32.5
  
Total
  
$
757
      
9.6
    
$
476
      
6.4
  

2017 vs. 2016
Non-interest income increased $757,000 in 2017 from 2016, or 9.6%.  We recorded investment securities gains totaling $1,035,000 compared with net gains of $255,000 in 2016. During 2017, we sold 24 agency securities for a net loss of $147,183 to fund loan growth and to restructure the investment portfolio for future rate increases. We also sold one Agency MBS security for a gain of $20,000. Finally, in anticipation of the adoption of accounting standard ASU 2016-01, the Company chose to sell a significant portion of its equity securities portfolio that resulted in a gain of $1,149,000. We also sold several interest bearing time deposits during 2017 for a gain of $13,000. 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. 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.
30
Gains on loans sold increased $129,000 compared to last year. During 2017, the Bank generated $25.1 million of residential mortgage loan sale proceeds, which was $3.6 million, or 16.8% more than the proceeds received in 2016. We also sold the credit card portfolio for $1.0 million in 2017 generating a gain on the sale of approximately $39,000.
The decrease in brokerage revenues is due to the loss of service of two employees early in 2017, whose positions remained unfilled for a portion of the year. The increase in trust revenues was due to settling several estates in 2017.
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. 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. 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.
Gains on loans sold increased $45,000 in 2016 compared to 2015, which is the result of the additional market areas obtained as part of the FNB 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. 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 FNB 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 FNB acquisition. The increase in other income is attributable to the FNB acquisition and includes increases in safe deposit rents and loan servicing fees.
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
 
 
  
2017
    
2016
    
2015
        
Salaries and employee benefits
  
$
17,456
    
$
16,410
    
$
12,504
        
Occupancy
    
1,988
      
1,900
      
1,424
        
Furniture and equipment
    
603
      
644
      
506
        
Professional fees
    
1,039
      
1,094
      
846
        
FDIC insurance
    
385
      
572
      
464
        
Pennsylvania shares tax
    
705
      
690
      
713
        
Amortization of intangibles
    
297
      
327
      
-
        
Merger and acquisition
    
165
      
-
      
1,103
        
ORE expenses
    
655
      
389
      
969
        
Other
    
6,021
      
6,645
      
4,900
        
Total
  
$
29,314
    
$
28,671
    
$
23,429
        
 
                              
                               
 
  
2017/2016 Change
    
2016/2015 Change
  
 
  
Amount
    
%
    
Amount
    
%
  
Salaries and employee benefits
  
$
1,046
      
6.4
    
$
3,906
      
31.2
  
Occupancy
    
88
      
4.6
      
476
      
33.4
  
Furniture and equipment
    
(41
)
    
(6.4
)
    
138
      
27.3
  
Professional fees
    
(55
 )     
5.7
      
248
      
29.3
  
FDIC insurance
    
(187
)
    
(32.7
)
    
108
      
23.3
  
Pennsylvania shares tax
    
15
      
2.2
      
(23
)
    
(3.2
)
Amortization of intangibles
    
(30
)
    
(9.2
)
    
327
      
-
  
Merger and acquisition
    
165
      
N/A
      
(1,103
)
    
(100.0
)
ORE expenses
    
266
      
68.4
      
(580
)
    
(59.9
)
Other
    
(624
)
    
(9.4
)
    
1,745
      
35.6
  
Total
  
$
643
      
2.2
    
$
5,242
      
22.4
  

2017 vs. 2016
Non-interest expenses for 2017 totaled $29,314,000, which represents an increase of $643,000, compared to 2016 expenses of $28,671,000. The primary cause of the total increase was salaries and benefits. Salary and benefit costs increased $1,046,000.  Base salaries and related payroll taxes increased $902,000 as a result of 2017 merit increases and staffing mix changes. Full time equivalent staffing was 253 and 252 employees for 2017 and 2016, respectively. Retirement and profit sharing expenses increased $235,000 compared to 2016, also as a result of a change in the employee mix and increased profitability.
The increase 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 in 2016 of previously paid real estate taxes and legal fees. The decrease in FDIC insurances expense is due to a lower assessment charged by the FDIC. The increase in merger and acquisition expenses is due to the acquisition of the State College branch in 2017.  The largest driver of the decrease in other expenses is a decrease of $377,000 in charge-offs related to fraudulent charges on our customers debit cards.
2016 vs. 2015
Non-interest expenses for 2016 totaled $28,671,000, which represents an increase of $5,242,000, compared to 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 in 2016 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 was associated with legal fees, as the Company look exited certain contracts and closed a branch in 2016, and consulting fees associated with system upgrades, including the issuance of new debit cards in the third quarter of 2016.
32
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 for 2016 was a general expense increase as part of the FNB 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.
Provision for Income Taxes
The provision for income taxes was $6,031,000, $3,034,000 and $2,721,000 for 2017, 2016 and 2015, respectively. The effective tax rates for 2017, 2016 and 2015 were 31.7%, 19.4% and 19.0%, respectively.
The increase in income tax expense of $2,997,000 in 2017 has two primary drivers. The first was the increase of $3,384,000 in income before the provision for income taxes, which accounts for an increase in tax expense of $1,151,000 at a 34% tax rate. The second driver was a $1,531,000 increase in tax expense due to the Tax Cuts and Jobs Act, enacted on December 22, 2017, which lowered the federal corporate income tax rate from 35% to 21% effective January 1, 2018.  As a result of the lowered tax rate, the carrying value of the Company's net deferred tax asset was reduced by $1,531,000, which was charged to income tax expense. The remaining increase was due to a lower amount of tax exempt income in 2017 and a reduction in tax credits due to one expiring in December of 2016.
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 are involved in four limited partnership agreements that established low-income housing projects in our market area. During 2017, we recognized tax credits related to one of the four partnerships and in 2016 and 2015, we recognized tax credits related to two of the four partnerships.  Tax credits associated with one project became fully utilized in December 2016. The tax credits for the other two projects were fully utilized by December 31, 2012. We anticipate recognizing an aggregate of $705,000 of tax credits over the next five years.    
FINANCIAL CONDITION
The following table presents ending balances (dollars in millions), the dollar amount of change and the percentage change during the past two years:
 
  
2017
          
%
    
2016
          
%
    
2015
  
 
  
Balance
    
Increase
    
Change
    
Balance
    
Increase
    
Change
    
Balance
  
 Total assets
  
$
1,361.9
    
$
138.9
      
11.4
    
$
1,223.0
    
$
60.0
      
5.2
    
$
1,163.0
  
 Total investments
    
254.8
      
(59.2
)
    
(18.9
)
    
314.0
      
(45.7
)
    
(12.7
)
    
359.7
  
 Total loans, net
    
989.3
      
198.6
      
25.1
      
790.7
      
102.8
      
14.9
      
687.9
  
 Total deposits
    
1,104.9
      
99.4
      
9.9
      
1,005.5
      
17.5
      
1.8
      
988.0
  
 Total borrowings
    
114.7
      
35.0
      
43.9
      
79.7
      
38.1
      
91.6
      
41.6
  
 Total stockholders' equity
    
129.0
      
5.7
      
4.6
      
123.3
      
3.5
      
2.9
      
119.8
  

33
Cash and Cash Equivalents
Cash and cash equivalents totaled $18.5 million at December 31, 2017 compared to $17.8 million at December 31, 2016. 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):
 
  
2017
    
% of
    
2016
    
% of
    
2015
    
% of
    
2014
    
% of
    
2013
    
% of
  
 
  
Amount
    
Total
    
Amount
    
Total
    
Amount
    
Total
    
Amount
    
Total
    
Amount
    
Total
  
Available-for-sale:
                                                            
  U. S. agency securities
  
$
98,887
      
38.8
    
$
170,414
      
54.3
    
$
199,591
      
55.5
    
$
150,885
      
49.3
    
$
152,189
      
48.0
  
  U.S. treasuries
    
28,604
      
11.2
      
3,000
      
0.9
      
10,082
      
2.8
      
4,849
      
1.6
      
11,309
      
3.6
  
  Obligations of state & political
                                                                                
     subdivisions
    
79,090
      
31.0
      
96,926
      
30.9
      
102,863
      
28.6
      
105,036
      
34.3
      
95,005
      
29.9
  
  Corporate obligations
    
3,083
      
1.2
      
3,050
      
1.0
      
14,565
      
4.0
      
13,958
      
4.6
      
16,802
      
5.3
  
  Mortgage-backed securities
    
45,027
      
17.7
      
37,728
      
12.0
      
30,204
      
8.4
      
29,728
      
9.6
      
40,671
      
12.8
  
  Equity securities
    
91
      
0.1
      
2,899
      
0.9
      
2,432
      
0.7
      
1,690
      
0.6
      
1,325
      
0.4
  
Total
  
$
254,782
      
100.0
    
$
314,017
      
100.0
    
$
359,737
      
100.0
    
$
306,146
      
100.0
    
$
317,301
      
100.0
  

2017
The Company's investment portfolio decreased by $59.2 million, or 18.9%, during the past year primarily due to investment cash flows being utilized to fund loan growth in 2017. During 2017, we purchased $28.8 million of U.S. Treasury securities, $6.1 million of U.S. agencies, $15.7 million of mortgage backed securities, $3.4 million of state and local obligations and $100,000 of equity securities in financial corporations, which helped to offset the $7.5 million of principal repayments and $52.6 million of calls and maturities that occurred during the year. We also sold $50.4 million of bonds and equities at a net gain of $1,022,000. The market value of our investment portfolio decreased approximately $2.3 million in 2017 due to interest rate fluctuations and sales of securities during 2017. Excluding our short term investments consisting of monies held primarily at the Federal Reserve, the effective yield on our investment portfolio for 2017 was 2.52% compared to 2.39% for 2016 on a tax equivalent basis.
During 2017, rates on the short end of the Treasury yield curve increased as a result of the increase in the federal funds rate and the potential for additional future increases in the federal funds rate. This resulted in a flattening of the yield curve. The investment strategy in 2017 was to utilize cashflows from the investment portfolio to fund the strong loan growth the Company has experienced, while maintaining a portfolio sufficient to support our various pledging requirements for deposits, borrowings and liquidity. Investment purchases have been focused on securities with short fixed maturities for treasury and agency securities and short repricing windows for asset backed securities. We have also focused our purchases on securities with lower risk weightings due to the loan growth experienced that carries a higher risk weight for capital adequacy purposes. We continually monitor interest rate trading ranges and try to focus purchases to times when rates are in the top third of the trading range. The Bank believes its investment strategy has appropriately mitigated its interest rate risk exposure if rates continue to rise while providing sufficient cashflows to fund loan growth expected as a result of the loan growth initiatives.
At December 31, 2017, 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.
34
The expected principal repayments at amortized cost and average weighted yields for the investment portfolio (excluding equity securities) as of December 31, 2017, 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, which was the rate in effect at December 31, 2017.
               
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
  
$
33,502
      
1.2
    
$
65,952
      
1.7
    
$
-
      
-
    
$
-
      
-
    
$
99,454
      
1.5
  
  U.S. treasuries
    
-
      
-
      
28,782
      
2.0
      
-
      
-
      
-
      
-
      
28,782
      
2.0
  
  Obligations of state & political
                                                                                
    subdivisions
    
16,194
      
3.2
      
50,126
      
2.6
      
9,167
      
3.0
      
2,922
      
4.2
      
78,409
      
2.8
  
  Corporate obligations
    
-
      
-
      
-
      
-
      
3,000
      
5.8
      
-
      
-
      
3,000
      
5.8
  
  Mortgage-backed securities
    
16,643
      
1.7
      
18,289
      
1.9
      
10,089
      
2.2
      
364
      
2.7
      
45,385
      
1.9
  
Total available-for-sale
  
$
66,339
      
1.8
    
$
163,149
      
1.7
    
$
22,256
      
3.0
    
$
3,286
      
4.0
    
$
255,030
      
2.1
  
At December 31, 2017, approximately 90.0% 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.

2016
The Company's investment portfolio decreased by $45.7 million, or 12.7%, during 2016 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.
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.
Loans
The Bank's lending efforts have historically focused on north central Pennsylvania and southern New York. With the acquisition of FNB and the opening of offices in Lancaster County, this focus has grown to include Lebanon, Schuylkill, Berks and Lancaster County markets of south central, Pennsylvania. In 2016, we opened a limited branch office in Union County that is staffed by a lending team to primarily support agricultural opportunities in central Pennsylvania. We also opened a full service branch in Mount Joy, Pennsylvania in 2016. In December 2017, we completed a branch acquisition in State College, which  provides us with opportunities in Centre County, Pennsylvania. We originate loans primarily through direct loans to our existing customer base, with new customers generated through the strong relationships that our 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, 2017, approximately 77.5% 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.
35
The Bank primarily offers fixed rate residential mortgage loans with terms of up to 25 years and adjustable rate mortgage loans (with amortization schedules 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 2017, we originated $7.5 million in USDA and SBA guaranteed commercial real estate loans.
Agriculture is an important industry throughout our market areas. 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 additional agricultural lending teams in 2016. We've also developed an agricultural policy to assist in underwriting agricultural loans.  Agricultural loans are made to a diversified customer base that include dairy, swine and poultry farmers and their 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, 2017, the aggregate balance of our participation loans, in which a portion was sold to other lender's totaled $50.4 million.
Activity associated with exploration for natural gas remained limited in 2017 due to the low price of natural gas produced in our area. There was an increase in pipeline installations in 2017, which may lead to increased exploration in the future. 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):
 
  
2017
    
2016
    
2015
    
2014
    
2013
  
 
  
Amount
    
%
    
Amount
    
%
    
Amount
    
%
    
Amount
    
%
    
Amount
    
%
  
Real estate:
                                                            
  Residential
  
$
214,479
      
21.4
    
$
207,423
      
25.9
    
$
203,407
      
29.3
    
$
185,438
      
33.5
    
$
187,101
      
34.6
  
  Commercial
    
308,084
      
30.8
      
252,577
      
31.6
      
237,542
      
34.2
      
190,945
      
34.5
      
193,087
      
35.7
  
  Agricultural
    
239,957
      
24.0
      
123,624
      
15.5
      
57,822
      
8.3
      
24,639
      
4.4
      
22,001
      
4.1
  
  Construction
    
13,502
      
1.3
      
25,441
      
3.2
      
15,011
      
2.2
      
6,353
      
1.1
      
8,937
      
1.7
  
Consumer
    
9,944
      
1.0
      
11,005
      
1.4
      
11,543
      
1.7
      
8,497
      
1.5
      
9,563
      
1.7
  
Other commercial loans
    
72,013
      
7.2
      
58,639
      
7.3
      
57,549
      
8.2
      
47,451
      
8.6
      
44,488
      
8.2
  
Other agricultural loans
    
37,809
      
3.8
      
23,388
      
2.9
      
13,657
      
2.0
      
11,065
      
2.0
      
9,541
      
1.8
  
State & political subdivision loans
    
104,737
      
10.5
      
97,514
      
12.2
      
98,500
      
14.1
      
79,717
      
14.4
      
65,894
      
12.2
  
Total loans
    
1,000,525
      
100.0
      
799,611
      
100.0
      
695,031
      
100.0
      
554,105
      
100.0
      
540,612
      
100.0
  
Less allowance for loan losses
    
11,190
              
8,886
              
7,106
              
6,815
              
7,098
          
Net loans
  
$
989,335
            
$
790,725
            
$
687,925
            
$
547,290
            
$
533,514
          

 
    
2017/2016
      
2016/2015
  
 
  
Change
    
Change
  
 
  
Amount
    
%
    
Amount
    
%
  
Real estate:
                            
  Residential
  
$
7,056
      
3.4
    
$
4,016
      
2.0
  
  Commercial
    
55,507
      
22.0
      
15,035
      
6.3
  
  Agricultural
    
116,333
      
94.1
      
65,802
      
113.8
  
  Construction
    
(11,939
)
    
(46.9
)
    
10,430
      
69.5
  
Consumer
    
(1,061
)
    
(9.6
)
    
(538
)
    
(4.7
)
Other commercial loans
    
13,374
      
22.8
      
1,090
      
1.9
  
Other agricultural loans
    
14,421
      
61.7
      
9,731
      
71.3
  
State & political subdivision loans
    
7,223
      
7.4
      
(986
)
    
(1.0
)
Total loans
  
$
200,914
      
25.1
    
$
104,580
      
15.0
  

2017
Total loans grew $200.9 million in 2017 from $799.6 million at the end of 2016 to $1.0 billion at the end of 2017. In December 2017, the Company completed the acquisition of a branch in State College, Pennsylvania, which included loans totaling $39.8 million. During 2017, excluding the branch acquisition, the Company experienced growth in agricultural real estate loans of $116.3 million, commercial real estate loans of $35.7 million, other agricultural loans of $14.4 million, other commercial loans of $7.5 million and state and political subdivision loans of $4.5 million. A portion of the increases in agricultural real estate and commercial real estate was due to transfers from construction, which decreased $12.3 million, excluding the impact of the State College branch acquisition. The growth in agricultural and commercial loan categories was primarily in our southcentral and central Pennsylvania markets and is a result of entering the south central and central Pennsylvania markets as a result of the FNB acquisition and the hiring of additional agricultural and commercial lenders.
Excluding the State College branch acquisition, residential real estate loans decreased $3.7 million. Demand for non-conforming loans remains limited and was highly competitive, especially in the north central Pennsylvania market. During 2017, $24.3 million of residential real estate loans were originated for sale on the secondary market, which compares to $22.2 million for 2016.  For loans sold on the secondary market, the Company recognizes fee income for servicing these sold loans, which is included in non-interest income.

37
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.

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, 2017, 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
  
$
23,115
    
$
1,062
    
$
24,177
  
  Over one year through five years
    
79,769
      
124
      
79,893
  
  Over five years
    
659,716
      
12,316
      
672,032
  
Total
  
$
762,600
    
$
13,502
    
$
776,102
  
Sensitivity of loans to changes in interest
                        
   rates - loans due after December 31, 2018:
                        
  Predetermined interest rate
  
$
107,942
    
$
861
    
$
108,803
  
  Floating or adjustable interest rate
    
631,543
      
11,579
      
643,122
  
Total
  
$
739,485
    
$
12,440
    
$
751,925
  
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, 2017, 2016, 2015, 2014 and 2013. All non-accruing troubled debt restructurings (TDRs) are also included the non-accruing loans totals.
 
38
 
  
December 31,
  
 
  
2017
    
2016
    
2015
    
2014
    
2013
  
Balance
                              
  at beginning of period
  
$
8,886
    
$
7,106
    
$
6,815
    
$
7,098
    
$
6,784
  
Charge-offs:
                                        
  Real estate:
                                        
     Residential
    
107
      
85
      
66
      
97
      
17
  
     Commercial
    
41
      
100
      
84
      
516
      
62
  
     Agricultural
    
30
      
-
      
-
      
-
      
-
  
  Consumer
    
130
      
100
      
47
      
47
      
54
  
  Other commercial loans
    
-
      
55
      
41
      
250
      
1
  
  Other agricultural loans
    
5
      
-
      
-
      
-
      
-
  
Total loans charged-off
    
313
      
340
      
238
      
910
      
134
  
Recoveries:
                                        
  Real estate:
                                        
     Residential
    
-
      
-
      
-
      
-
      
5
  
     Commercial
    
11
      
479
      
14
      
15
      
5
  
     Agricultural
    
-
      
-
      
-
      
-
      
-
  
  Consumer
    
49
      
88
      
33
      
27
      
33
  
  Other commercial loans
    
16
      
33
      
2
      
-
      
-
  
  Other agricultural loans
    
1
      
-
      
-
      
-
      
-
  
Total loans recovered
    
77
      
600
      
49
      
42
      
43
  
 
                                        
Net loans charged-off (recovered)
    
236
      
(260
)
    
189
      
868
      
91
  
Provision charged to expense
    
2,540
      
1,520
      
480
      
585
      
405
  
Balance at end of year
  
$
11,190
    
$
8,886
    
$
7,106
    
$
6,815
    
$
7,098
  
 
                                        
Loans outstanding at end of period
  
$
1,000,525
    
$
799,611
    
$
695,031
    
$
554,105
    
$
540,612
  
Average loans outstanding, net
  
$
883,355
    
$
725,881
    
$
577,992
    
$
540,541
    
$
516,748
  
Non-performing assets:
                                        
    Non-accruing loans
  
$
10,171
    
$
11,454
    
$
6,531
    
$
6,599
    
$
8,097
  
    Accrual loans - 90 days or more past due
    
555
      
405
      
623
      
836
      
697
  
      Total non-performing loans
  
$
10,726
    
$
11,859
    
$
7,154
    
$
7,435
    
$
8,794
  
    Foreclosed assets held for sale
    
1,119
      
1,036
      
1,354
      
1,792
      
1,360
  
      Total non-performing assets
  
$
11,845
    
$
12,895
    
$
8,508
    
$
9,227
    
$
10,154
  
 
                                        
Troubled debt restructurings (TDR)
                                        
    Non-accruing TDRs
  
$
6,798
    
$
6,758
    
$
3,397
    
$
3,654
    
$
4,701
  
    Accrual TDRs
    
13,056
      
6,095
      
2,243
      
2,502
      
2,510
  
      Total troubled debt restructurings
  
$
19,854
    
$
12,853
    
$
5,640
    
$
6,156
    
$
7,211
  
Net charge-offs (recoveries) to average loans
    
0.03
%
    
(0.04
%)
    
0.03
%
    
0.16
%
    
0.02
%
Allowance to total loans
    
1.12
%
    
1.11
%
    
1.02
%
    
1.23
%
    
1.31
%
Allowance to total non-performing loans
    
104.33
%
    
74.93
%
    
99.33
%
    
91.66
%
    
80.71
%
Non-performing loans as a percent of loans
                                        
   net of unearned income
    
1.07
%
    
1.48
%
    
1.03
%
    
1.34
%
    
1.63
%
Non-performing assets as a percent of loans
                                  
  net of unearned income
    
1.18
%
    
1.61
%
    
1.22
%
    
1.67
%
    
1.88
%

39
The Company believes it utilizes a disciplined and thorough loan review process based upon its 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 50% (55% for loans between 2016 and 2013 and 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.
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, 2017.  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
40
·
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.
The allowance for loan losses was $11,190,000 or 1.12% of total loans as of December 31, 2017 as compared to $8,886,000 or 1.11% of loans as of December 31, 2016.  The $2,304,000 increase is a result of a $2,540,000 provision for loan losses less net charge-offs of $236,000. The decrease as a percent of loans for 2017, 2016 and 2015 when compared to 2014 and 2013 is attributable to the increase in loans as part of the acquisition of FNB and the State College branch acquisition and the associated purchase accounting adjustments that were applied to the acquired loan portfolios. 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:
 
  
2017
    
2016
    
2015
    
2014
    
2013
  
 
  
Amount
    
%
    
Amount
    
%
    
Amount
    
%
    
Amount
    
%
    
Amount
    
%
  
Real estate loans:
                                                            
  Residential
  
$
1,049
      
21.4
    
$
1,064
      
25.9
    
$
905
      
29.3
    
$
878
      
33.5
    
$
946
      
34.6
  
  Commercial
    
3,867
      
30.8
      
3,589
      
31.6
      
3,376
      
34.2
      
3,419
      
34.5
      
3,983
      
35.7
  
  Agricultural
    
3,143
      
24.0
      
1,494
      
15.5
      
409
      
8.3
      
451
      
4.4
      
575
      
4.1
  
  Construction
    
23
      
1.3
      
47
      
3.2
      
24
      
2.2
      
26
      
1.1
      
50
      
1.7
  
Consumer
    
124
      
1.0
      
122
      
1.4
      
102
      
1.7
      
84
      
1.5
      
105
      
1.7
  
Other commercial loans
    
1,272
      
7.2
      
1,327
      
7.3
      
1,183
      
8.2
      
1,007
      
8.6
      
686
      
8.2
  
Other agricultural loans
    
492
      
3.8
      
312
      
2.9
      
122
      
2.0
      
217
      
2.0
      
256
      
1.8
  
State & political subdivision loans
    
816
      
10.5
      
833
      
12.2
      
593
      
14.1
      
545
      
14.4
      
330
      
12.2
  
Unallocated
    
404
      
N/A
      
98
      
N/A
      
392
      
N/A
      
188
      
N/A
      
167
      
N/A
  
Total allowance for loan losses
  
$
11,190
      
100.0
    
$
8,886
      
100.0
    
$
7,106
      
100.0
    
$
6,815
      
100.0
    
$
7,098
      
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 54.8% of the loan portfolio, 62.7% 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 21.4% of the loan portfolio as of December 31, 2017 and 9.37% 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, 2016 to December 31, 2017 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.
 
  
December 31, 2017
    
December 31, 2016
  
 
  
30 - 89 Days
    
Non-Performing Loans
    
30 - 89 Days
    
Non-Performing Loans
  
 
  
Past Due
    
90 Days Past
    
Non-
    
Total Non-
    
Past Due
    
90 Days Past
    
Non-
    
Total Non-
  
 
  
Accruing
    
Due Accruing
    
accrual
    
Performing
    
Accruing
    
Due Accruing
    
accrual
    
Performing
  
Real estate:
                                                
  Residential
  
$
1,550
    
$
218
    
$
1,386
    
$
1,604
    
$
1,010
    
$
333
    
$
1,570
    
$
1,903
  
  Commercial
    
1,519
      
162
      
5,192
      
5,354
      
1,703
      
-
      
4,445
      
4,445
  
  Agricultural
    
242
      
30
      
175
      
205
      
-
      
-
      
1,340
      
1,340
  
  Construction
    
-
      
-
      
133
      
133
      
-
      
-
      
-
      
-
  
Consumer
    
86
      
7
      
42
      
49
      
131
      
67
      
42
      
109
  
Other commercial loans
    
50
      
32
      
2,637
      
2,669
      
78
      
-
      
4,057
      
4,057
  
Other agricultural loans
    
42
      
106
      
606
      
712
      
77
      
5
      
-
      
5
  
Total nonperforming loans
  
$
3,489
    
$
555
    
$
10,171
    
$
10,726
    
$
2,999
    
$
405
    
$
11,454
    
$
11,859
  

 
41
 
 
            
 
  
Change in Non-Performing Loans
  
   
2017 / 2016 
  
 
  
Amount
    
%
  
Real estate:
              
  Residential
  
$
(299
)
    
(15.7
)
  Commercial
    
909
      
20.4
  
  Agricultural
    
(1,135
)
    
(84.7
)
  Construction
    
133
      
-
  
Consumer
    
(60
)
    
(55.0
)
Other commercial loans
    
(1,388
)
    
(34.2
)
Other agricultural loans
    
707
      
14,140.0
  
Total nonperforming loans
  
$
(1,133
)
    
(9.6
)
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
  
 
  
2017
    
2016
    
2015
    
2014
    
2013
  
Real estate:
                              
  Residential
  
$
1,604
    
$
1,903
    
$
1,402
    
$
1,174
    
$
1,037
  
  Commercial
    
5,354
      
4,445
      
4,482
      
5,320
      
7,591
  
  Agricultural
    
205
      
1,340
      
34
      
-
      
-
  
  Construction
    
133
      
-
      
-
      
-
      
-
  
Consumer
    
49
      
109
      
64
      
53
      
16
  
Other commercial loans
    
2,669
      
4,057
      
1,172
      
888
      
150
  
Other agricultural loans
    
712
      
5
      
-
      
-
      
-
  
State & political subdivision loans
    
-
      
-
      
-
      
-
      
-
  
Total nonperforming loans
    
10,726
      
11,859
      
7,154
      
7,435
      
8,794
  
For the year ended December 31, 2017, we recorded a provision for loan losses of $2,540,000 which compares to $1,520,000 for the same period in 2016, an increase of $1,020,000. The increase is primarily attributable to the organic loan growth for 2017. Non-performing loans decreased $1,133,000 from December 31, 2016 to December 31, 2017 with the decrease being primarily related to one agricultural relationship that paid off in 2017. At December 31, 2017, approximately 63.3% of the Bank's non-performing loans are associated with the following three customer relationships:
·
A commercial loan relationship of $3.2 million, secured by undeveloped land, stone quarries and equipment, was on non-accrual status as of December 31, 2017. 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. During 2017, the Company had the underlying collateral appraised. The appraisals indicated a 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. Management determined that no specific reserve was required as of December 31, 2017.
·
A commercial loan relationship of $2.7 million, secured by residential rental properties, was on non-accrual status as of December 31, 2017. 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, 2017, there was no specific reserve for this relationship.
42
·
A commercial loan relationship of $902,000, secured by residential rental properties, was on non-accrual status as of December 31, 2017. The slowdown in the exploration for natural gas has significantly impacted the cash flows of the customer, as he rented his properties to individuals working on the exploration activities. During 2017, the Company had the underlying collateral appraised. The appraisals indicated a 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. Management determined that no specific reserve was required as of December 31, 2017.
Management believes that the allowance for loan losses at December 31, 2017 was adequate at that date, which was based on the following factors:
·
Three loan relationships comprise 63.3% of the non-performing loan balance, whose debt is considered well collateralized as of December 31, 2017.
·
As seen on page 39, the Company has a history of low charge-offs, which continued in 2017 as the net charge-offs were .03% of average loans and only $236,000. In 2016, a net recovery was experienced as the result of recovering a loan that was partially charged off in 2014.

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, 2017 and 2016, the cash surrender value of the life insurance was $26.9 million and $26.2 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 $660,000, $688,000 and $628,000 in 2017, 2016 and 2015, 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, 2017 and 2016, included in other liabilities on the Consolidated Balance sheet is a liability of $578,000 and $569,000, respectively, for the obligation under the split-dollar benefit agreements.

Other Assets
2017
Other assets increased $1.2 million in 2017 to $14.7 million from $13.5 million in 2016. As a result of an increase in FHLB borrowings regulatory stock increased $1.5 million. The deferred tax asset decreased $1.3 million, primarily due to a change in the federal income tax rate to 21%. As a result of funding the pension plans, pension plan assets increased from $0 to $717,000.
2016
Other assets increased $1.4 million in 2016 to $13.5 million from $12.1 million in 2015. Due to the increase in FHLB borrowings, regulatory stock increased $1.8 million.
43
Deposits
The following table shows the breakdown of deposits by deposit type (dollars in thousands) at December 31:
 
  
2017
    
2016
    
2015
  
 
  
Amount
    
%
    
Amount
    
%
    
Amount
    
%
  
Non-interest-bearing deposits
  
$
171,840
      
15.6
    
$
147,425
      
14.7
    
$
150,960
      
15.3
  
NOW accounts
    
337,307
      
30.5
      
305,862
      
30.4
      
279,655
      
28.3
  
Savings deposits
    
184,057
      
16.7
      
170,722
      
17.0
      
170,277
      
17.2
  
Money market deposit accounts
    
145,287
      
13.1
      
116,880
      
11.6
      
105,229
      
10.7
  
Certificates of deposit
    
266,452
      
24.1
      
264,614
      
26.3
      
281,910
      
28.5
  
Total
  
$
1,104,943
      
100.0
    
$
1,005,503
      
100.0
    
$
988,031
      
100.0
  
 
                                                
                 
 
    
2017/2016
      
2016/2015     
  
 
  
Change
    
Change
                  
 
  
Amount
    
%
    
Amount
    
%
                  
Non-interest-bearing deposits
  
$
24,415
      
16.6
    
$
(3,535
)
    
(2.3
)
                
NOW accounts
    
31,445
      
10.3
      
26,207
      
9.4
                  
Savings deposits
    
13,335
      
7.8
      
445
      
0.3
                  
Money market deposit accounts
    
28,407
      
24.3
      
11,651
      
11.1
                  
Certificates of deposit
    
1,838
      
0.7
      
(17,296
)
    
(6.1
)
                
Total
  
$
99,440
      
9.9
    
$
17,472
      
1.8
                  

2017
Total deposits increased $99.4 million in 2017, or 9.9%. The State College branch acquisition accounted for $37.9 million of this growth, with the remaining $61.5 million being organic growth. Excluding the acquisition, growth was experienced across all product lines and customer types, with the exception of certificates of deposit (CD). Excluding the acquisition, non-interest bearing accounts increased $18.9 million in 2017.  As a percentage of total deposits, non-interest bearing deposits totaled 15.6% as of the end of 2017, which compares to 14.7% at the end of 2016. 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 $31.4 million and money market deposit accounts increased by $10.1 million, exclusive of the acquisition, since the end of 2016. The primary causes of the increase in NOW accounts and money market accounts was in state political organizations as we continue to gather deposits from our local municipalities and school districts. Due to the low interest rate environment, individuals moved money from certificates of deposit to savings accounts. Excluding the acquisition, savings accounts increased $12.6 million, CDs decreased $11.4 million. During 2017, 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 continuing to move 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. With the increase in the fed funds rate during 2017, the Bank increased interest rates on both certificates of deposits and certain transactional deposit accounts.

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.
44
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.
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 $17.3 million. During 2016 the Company continued to pay historically low rates on CDs, 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:
 
  
2017
    
2016
    
2015
  
3 months or less
  
$
15,118
    
$
13,402
    
$
17,475
  
Over 3 months through 6 months
    
12,461
      
10,299
      
11,804
  
Over 6 months through 12 months
    
23,775
      
41,481
      
27,226
  
Over 12 months
    
82,572
      
59,324
      
69,875
  
Total
  
$
133,926
    
$
124,506
    
$
126,380
  
As a percent of total
                        
  certificates of deposit
    
50.26
%
    
47.05
%
    
44.83
%
Interest expense on certificates of deposit of $100,000 or more amounted to $1,504,000, $1,415,000 and $1,406,000 for the years ended December 31, 2017, 2016, and 2015, respectively.
Deposits by type of depositor are as follows (dollars in thousands) at December 31:
 
  
2017
    
2016
    
2015
  
 
  
Amount
    
%
    
Amount
    
%
    
Amount
    
%
  
Individuals
  
$
651,845
      
59.0
    
$
624,030
      
62.0
    
$
634,109
      
64.2
  
Businesses and other organizations
    
229,425
      
20.8
      
200,718
      
20.0
      
193,527
      
19.6
  
State & political subdivisions
    
223,673
      
20.2
      
180,755
      
18.0
      
160,395
      
16.2
  
Total
  
$
1,104,943
      
100.0
    
$
1,005,503
      
100.0
    
$
988,031
      
100.0
  
Borrowed Funds
2017
Borrowed funds increased $35.0 million during 2017. The increase was associated with an increase of $36.3 million of short term borrowings from the FHLB, which was used to fund the organic loan growth experienced by the Bank in 2017. In addition, we experienced a $682,000 increase in repurchase agreements. Term loans totaled $14.5 million and $16.5 million as of December 31, 2017 and 2016, respectively. The change in term loans was due to a $2.0 million maturity in 2017 (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 $77.7 million as of December 21, 2017 compared to $41.3 million as of December 31, 2016.
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).  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.
45
Other Liabilities
2017
Other liabilities decreased $1.5 million during 2017, or 10.8%. The primary driver of the decrease was a decrease in pension liabilities due to contributions made to the plan in 2017.
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.
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 cash dividend rate after considering our capital requirements, current and projected net income, and other factors. In 2017 and 2016, the Company paid out 44.97% and 44.12% of net income in cash dividends, respectively.
As of December 31, 2017, the total number of common shares outstanding was 3,486,874. For comparative purposes, outstanding shares for prior periods were adjusted for the June 2017 stock dividend in computing earnings and cash dividends per share as detailed in Note 1 of the consolidated financial statements. During 2017, we purchased 17,990 shares of treasury stock at a weighted average cost of $54.40 per share. The Company awarded 4,482 shares of restricted stock to employees at a weighted average cost per share of $53.84 under an equity incentive plan. The Board of Directors was awarded 1,350 shares at a cost of $53.47 per share under equity incentive program.
There are currently four federal regulatory measures of capital adequacy. The Company's ratios meet the regulatory standards for well capitalized for 2017 and 2016, as detailed in Note 14 of the consolidated financial statements.
2017
Stockholders' equity increased 4.7% in 2017 to $129.0 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 $7.7 million, or 6.2%. This increase is due to net income of $13,025,000, offset by net cash dividends of $5,177,000 and net treasury stock activity of $21,000. All of the Company's debt 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 $2,006,000 from December 31, 2016 as result of the decrease in the fair market value of the investment portfolio and the cumulative effect adjustment for the adoption of ASU 2018-02 - Income Statement-Reporting Comprehensive Income (Topic 220). Total stockholders' equity was approximately 9.47% of total assets as of December 31, 2017, compared to 10.08% of total assets as of December 31, 2016.
2016
Stockholders' equity increased 2.9% in 2016 to $123.3 million.  Excluding accumulated other comprehensive income, 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. 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.
46
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.
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 2017 totaled $208,000, which included:
§
Mail equipment totaling $73,000
§
Compliance and other software totaling $25,000
§
Computer and copier upgrades totaling $49,000

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

These expenditures will support our initiatives and will create operating efficiencies, while providing quality customer service.  
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 $453.4 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, 2017, 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 $14.6 million of municipal loans.
47
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, 2017, the Company (unconsolidated basis) had liquid assets of $6.2 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, 2017, 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.
 
  
One year
    
One to
    
Three to
    
Over Five
        
Contractual Obligations
  
or Less
    
Three Years
    
Five Years
    
Years
    
Total
  
Deposits without a stated maturity
  
$
838,491
    
$
-
    
$
-
    
$
-
    
$
838,491
  
Time deposits
    
107,591
      
107,586
      
45,260
      
6,015
      
266,452
  
FHLB Advances
    
77,650
      
-
      
-
      
-
      
77,650
  
Long-term borrowings - FHLB
    
1,000
      
2,000
      
11,525
      
-
      
14,525
  
Note Payable
    
7,500
      
-
      
-
      
-
      
7,500
  
Repurchase agreements
    
13,875
      
580
      
534
      
-
      
14,989
  
Operating leases
    
324
      
546
      
329
      
141
      
1,340
  
Total    
  
$
1,046,431
    
$
110,712
    
$
57,648
    
$
6,156
    
$
1,220,947
  
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, 2017, 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.
48
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, 2017, the Company had equity securities that represent only 0.1% 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):
Maturity or Re-pricing of Company Assets and Liabilities as of December 31, 2017
  
 
  
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
  
$
2,170
    
$
744
    
$
1,988
    
$
350
    
$
7,201
    
$
-
    
$
12,453
  
Investment securities
    
34,977
      
39,379
      
62,257
      
51,405
      
56,343
      
10,669
      
255,030
  
Residential mortgage loans
    
36,385
      
46,936
      
44,899
      
33,784
      
37,535
      
14,940
      
214,479
  
Construction loans
    
5,333
      
3,943
      
4,102
      
-
      
-
      
124
      
13,502
  
Commercial and farm loans
    
160,760
      
97,452
      
93,433
      
96,420
      
187,599
      
22,199
      
657,863
  
Loans to state & political subdivisions
    
11,311
      
34,050
      
5,885
      
8,596
      
6,856
      
38,039
      
104,737
  
Other loans
    
2,737
      
2,279
      
1,953
      
1,172
      
1,078
      
725
      
9,944
  
Total interest-earning assets
  
$
253,673
    
$
224,783
    
$
214,517
    
$
191,727
    
$
296,612
    
$
86,696
    
$
1,268,008
  
Interest-bearing liabilities:
                                                        
NOW accounts
  
$
205,543
    
$
-
    
$
-
    
$
-
    
$
-
    
$
131,764
    
$
337,307
  
Savings accounts
    
-
      
-
      
-
      
-
      
-
      
184,057
      
184,057
  
Money Market accounts
    
128,863
      
-
      
-
      
-
      
-
      
16,424
      
145,287
  
Certificates of deposit
    
32,015
      
75,576
      
51,071
      
56,515
      
45,260
      
6,015
      
266,452
  
Short-term borrowing
    
91,525
      
-
      
-
      
-
      
-
      
-
      
91,525
  
Long-term borrowing
    
7,500
      
1,000
      
2,000
      
580
      
12,059
      
-
      
23,139
  
Total interest-bearing liabilities
  
$
465,446
    
$
76,576
    
$
53,071
    
$
57,095
    
$
57,319
    
$
338,260
    
$
1,047,767
  
Excess interest-earning
                                                        
  assets (liabilities)
  
$
(211,773
)
  
$
148,207
    
$
161,446
    
$
134,632
    
$
239,293
    
$
(251,564
)
        
Cumulative interest-earning assets
  
$
253,673
    
$
478,456
    
$
692,973
    
$
884,700
    
$
1,181,312
    
$
1,268,008
          
Cumulative interest-bearing liabilities
  
$
465,446
    
$
542,022
    
$
595,093
    
$
652,188
    
$
709,507
    
$
1,047,767
          
Cumulative gap
  
$
(211,773
)
  
$
(63,566
)
  
$
97,880
    
$
232,512
    
$
471,805
    
$
220,241
          
Cumulative interest rate
                                                        
  sensitivity ratio (1)
    
0.55
      
0.88
      
1.16
      
1.36
      
1.66
      
1.21
          
 
                                                        
(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.
49
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, 2017 (dollars in thousands):
 
        
Change In
    
% Change In
  
 
  
Prospective One-Year
    
Prospective
    
Prospective
  
Changes in Rates
  
Net Interest Income
    
Net Interest Income
    
Net Interest Income
  
-100 Shock
  
$
44,485
    
$
(966
)
    
(2.13
)
Base
    
45,451
                  
+100 Shock
    
44,231
      
(1,220
)
    
(2.68
)
+200 Shock
    
42,872
      
(2,579
)
    
(5.67
)
+300 Shock
    
41,446
      
(4,005
)
    
(8.81
)
+400 Shock
    
39,969
      
(5,482
)
    
(12.06
)
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, 2017, 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.
50
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.
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 allowance 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 performs an evaluation of goodwill for impairment on an annual basis, or more frequently if events or changes in circumstances indicate that the asset might be impaired. Management performed an evaluation of the Company's goodwill during the fourth quarter of 2017. In performing its evaluation, management obtained several commonly used financial ratios from pending and completed purchase transactions for banks based in the Mid-Atlantic. Management used these ratios to determine an implied fair value for the Company. The implied fair value exceeded the carrying value including goodwill. Therefore management concluded that goodwill was not impaired and made no adjustment in 2017.
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.
51
ITEM 8 - FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.
Citizens Financial Services, Inc.
  
Consolidated Balance Sheet
  
       
December 31,
  
(in thousands, except share data)
    
2017
    
2016
  
ASSETS:
              
Cash and cash equivalents:
              
 
Noninterest-bearing
    
$
16,347
    
$
16,854
  
 
Interest-bearing
      
2,170
      
900
  
Total cash and cash equivalents
      
18,517
      
17,754
  
Interest bearing time deposits with other banks
      
10,283
      
6,955
  
Available-for-sale securities
      
254,782
      
314,017
  
Loans held for sale
      
1,439
      
1,827
  
Loans (net of allowance for loan losses:
                  
 
$ 
2017, 11,190; 2016, $8,886
)
    
989,335
      
790,725
  
Premises and equipment
      
16,523
      
17,030
  
Accrued interest receivable
      
4,196
      
4,089
  
Goodwill
      
23,296
      
21,089
  
Bank owned life insurance
      
26,883
      
26,223
  
Other intangibles
      
1,953
      
2,096
  
Investment sale receivable
      
-
      
7,759
  
Other assets
      
14,679
      
13,454
  
TOTAL ASSETS
    
$
1,361,886
    
$
1,223,018
  
LIABILITIES:
                  
Deposits:
                  
 
Noninterest-bearing
    
$
171,840
    
$
147,425
  
 
Interest-bearing
      
933,103
      
858,078
  
Total deposits
      
1,104,943
      
1,005,503
  
Borrowed funds
      
114,664
      
79,662
  
Accrued interest payable
      
897
      
720
  
Other liabilities
      
12,371
      
13,865
  
TOTAL LIABILITIES
      
1,232,875
      
1,099,750
  
STOCKHOLDERS' EQUITY:
                  
Preferred Stock $1.00 par value; authorized 3,000,000 shares
                  
2017 and 2016; none issued in 2017 or 2016
      
-
      
-
  
Common Stock
                  
 
$1.00 par value; authorized 15,000,000 shares 2017 and 2016;
                  
 
issued 3,869,939 and 3,704,375 shares in 2017 and 2016,
                  
 
respectively
      
3,870
      
3,704
  
Additional paid-in capital
      
51,108
      
42,250
  
Retained earnings
      
89,982
      
91,278
  
Accumulated other comprehensive loss
      
(3,398
)
    
(1,392
)
Treasury stock, at cost:
                  
 
383,065 and 384,671 shares for 2017 and 2016, respectively
      
(12,551
)
    
(12,572
)
TOTAL STOCKHOLDERS' EQUITY
      
129,011
      
123,268
  
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY
    
$
1,361,886
    
$
1,223,018
  
See accompanying notes to consolidated financial statements.
                  

52
Citizens Financial Services, Inc.
  
Consolidated Statement of Income
  
Year Ended December 31,
  
(in thousands, except per share data)
  
2017
    
2016
    
2015
  
INTEREST AND DIVIDEND INCOME:
                  
Interest and fees on loans
  
$
42,127
    
$
35,844
    
$
29,039
  
Interest-bearing deposits with banks
    
186
      
221
      
142
  
Investment securities:
                        
Taxable
    
3,095
      
3,687
      
3,102
  
Nontaxable
    
2,414
      
2,970
      
3,152
  
Dividends
    
271
      
283
      
218
  
TOTAL INTEREST AND DIVIDEND INCOME
    
48,093
      
43,005
      
35,653
  
INTEREST EXPENSE:
                        
Deposits
    
4,625
      
4,247
      
4,113
  
Borrowed funds
    
1,214
      
794
      
707
  
TOTAL INTEREST EXPENSE
    
5,839
      
5,041
      
4,820
  
NET INTEREST INCOME
    
42,254
      
37,964
      
30,833
  
Provision for loan losses
    
2,540
      
1,520
      
480
  
NET INTEREST INCOME AFTER PROVISION FOR
                        
LOAN LOSSES
    
39,714
      
36,444
      
30,353
  
NON-INTEREST INCOME:
                        
Service charges
    
4,456
      
4,461
      
4,126
  
Trust
    
755
      
693
      
673
  
Brokerage and insurance
    
635
      
766
      
720
  
Investment securities gains, net
    
1,035
      
255
      
429
  
Gains on loans sold
    
578
      
449
      
404
  
Earnings on bank owned life insurance
    
660
      
688
      
628
  
Other
    
537
      
587
      
443
  
TOTAL NON-INTEREST INCOME
    
8,656
      
7,899
      
7,423
  
NON-INTEREST EXPENSES:
                        
Salaries and employee benefits
    
17,456
      
16,410
      
12,504
  
Occupancy
    
1,988
      
1,900
      
1,424
  
Furniture and equipment
    
603
      
644
      
506
  
Professional fees
    
1,039
      
1,094
      
846
  
Federal depository insurance
    
385
      
572
      
464
  
Pennsylvania shares tax
    
705
      
690
      
713
  
Amortization of intangibles
    
297
      
327
      
-
  
Merger and acquisition
    
165
      
-
      
1,103
  
ORE expenses
    
655
      
389
      
969
  
Other
    
6,021
      
6,645
      
4,900
  
TOTAL NON-INTEREST EXPENSES
    
29,314
      
28,671
      
23,429
  
Income before provision for income taxes
    
19,056
      
15,672
      
14,347
  
Provision for income taxes
    
6,031
      
3,034
      
2,721
  
NET INCOME
  
$
13,025
    
$
12,638
    
$
11,626
  
PER COMMON SHARE DATA:
                        
NET INCOME - BASIC
  
$
3.74
    
$
3.60
    
$
3.60
  
NET INCOME - DILUTED
  
$
3.74
    
$
3.60
    
$
3.60
  
CASH DIVIDENDS PER SHARE
  
$
1.67
    
$
1.58
    
$
1.63
  
 
                        
Number of shares used in computation - basic
    
3,481,366
      
3,507,497
      
3,229,470
  
Number of shares used in computation - diluted
    
3,483,090
      
3,509,053
      
3,230,830
  
 
                        
See accompanying notes to consolidated financial statements.
                  

53
Citizens Financial Services, Inc.
  
Consolidated Statement of Changes in Comprehensive Income
  
Year Ended December 31,
  
 
                  
(in thousands)
  
2017
    
2016
    
2015
  
Net Income
  
$
13,025
    
$
12,638
    
$
11,626
  
 
                        
Other Comprehensive income
                        
  Securities available for sale
                        
  Unrealized holding loss during the period
    
(1,283
)
    
(1,105
)
    
(920
)
       Income tax benefit
    
436
      
375
      
314
  
     
(847
)
    
(730
)
    
(606
)
       Reclassification adjustment for (gains) losses
                        
             included in income
    
(1,035
)
    
(255
)
    
(429
)
       Income tax benefit
    
352
      
87
      
146
  
     
(683
)
    
(168
)
    
(283
)
 
                        
  Change in unrecognized pension costs
    
127
      
(391
)
    
(172
)
       Income tax benefit
    
(44
)
    
133
      
58
  
     
83
      
(258
)
    
(114
)
 
                        
Net other comprehensive income
    
(1,447
)
    
(1,156
)
    
(1,003
)
Comprehensive income
  
$
11,578
    
$
11,482
    
$
10,623
  
 
                        
See accompanying notes to consolidated financial statements.
                        

54

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, 2014
    
3,335,236
    
$
3,335
    
$
25,150
    
$
79,512
    
$
767
    
$
(8,236
)
  
$
100,528
  
Net income
                            
11,626
                      
11,626
  
Net other comprehensive income
                                    
(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, $1.63 per share
                            
(5,151
)
                    
(5,151
)
Balance, December 31, 2015
    
3,671,751
      
3,672
      
40,715
      
85,790
      
(236
)
    
(10,181
)
    
119,760
  
 
                                                        
Net income
                            
12,638
                      
12,638
  
Net other comprehensive income
                                    
(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
  
Sale of treasury stock
                    
(1
)
                    
60
      
59
  
Forfeited restricted stock
                    
4
                      
(4
)
    
-
  
Cash dividend reinvestment paid from treasury stock
                    
3
      
(495
)
            
492
      
-
  
Cash dividends, $1.58 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
  
 
                                                        
Net income
                            
13,025
                      
13,025
  
Net other comprehensive income
                                    
(1,447
)
            
(1,447
)
Stock dividend
    
165,564
      
166
      
8,857
      
(9,023
)
                    
-
  
Purchase of treasury stock (17,990 shares)
                                            
(979
)
    
(979
)
Restricted stock, executive  and Board of Director awards
                    
(224
)
                    
296
      
72
  
Restricted stock vesting
                    
206
                              
206
  
Sale of treasury stock
                    
-
                      
43
      
43
  
Forfeited restricted stock
                    
2
                      
(2
)
    
-
  
Reclassification of certain income tax effects from
                                                        
     accumulated other comprehensive income
                            
559
      
(559
)
            
-
  
Cash dividend reinvestment paid from treasury stock
                    
17
      
(680
)
            
663
      
-
  
Cash dividends, $1.67 per share
                            
(5,177
)
                    
(5,177
)
Balance, December 31, 2017
    
3,869,939
    
$
3,870
    
$
51,108
    
$
89,982
    
$
(3,398
)
  
$
(12,551
)
  
$
129,011
  
Per share data has been restated to reflect a 5% stock dividend paid on June 30, 2017
 
See accompanying notes to consolidated financial statements.
                                                        
 
 
55
 
Citizens Financial Services, Inc.
  
Consolidated Statement of Cash Flows
  
 
  
Year Ended December 31,
  
(in thousands)
  
2017
    
2016
    
2015
  
Cash Flows from Operating Activities:
                  
  Net income
  
$
13,025
    
$
12,638
    
$
11,626
  
  Adjustments to reconcile net income to net
                        
    cash provided by operating activities:
                        
      Provision for loan losses
    
2,540
      
1,520
      
480
  
      Depreciation and amortization
    
200
      
320
      
464
  
      Amortization and accretion on investment securities, net
    
1,441
      
2,302
      
2,057
  
      Deferred income taxes
    
1,448
      
362
      
(192
)
      Investment securities gains, net
    
(1,035
)
    
(255
)
    
(429
)
      Earnings on bank owned life insurance
    
(660
)
    
(688
)
    
(628
)
      Stock awards
    
278
      
284
      
179
  
      Originations of loans held for sale
    
(25,305
)
    
(22,237
)
    
(18,945
)
      Proceeds from sales of loans held for sale
    
26,086
      
21,462
      
19,243
  
      Realized gains on loans sold
    
(578
)
    
(449
)
    
(404
)
      (Increase) decrease in accrued interest receivable
    
(34
)
    
122
      
(285
)
      Increase (decrease) in accrued interest payable
    
147
      
(14
)
    
(36
)
      Other, net
    
(1,814
)
    
827
      
(319
)
      Net cash provided by operating activities
    
15,739
      
16,194
      
12,811
  
Cash Flows from Investing Activities:
                        
  Available-for-sale securities:
                        
    Proceeds from sales of available-for-sale securities
    
58,177
      
22,372
      
30,464
  
    Proceeds from maturity and principal repayments of securities
    
60,081
      
67,782
      
48,103
  
    Purchase of securities
    
(54,003
)
    
(55,600
)
    
(111,304
)
  Proceeds from redemption of Regulatory Stock
    
7,425
      
1,556
      
4,476
  
  Purchase of Regulatory Stock
    
(8,903
)
    
(3,403
)
    
(3,879
)
  Net increase in loans
    
(161,127
)
    
(103,915
)
    
(25,981
)
  Purchase of interest bearing time deposits
    
(7,301
)
    
-
      
(500
)
  Proceeds from matured interest bearing time deposits with other banks
    
744
      
744
      
-
  
  Proceeds from sale of interest bearing time deposits with other banks
    
3,243
      
-
      
-
  
  Purchase of premises, equipment and software
    
(208
)
    
(587
)
    
(776
)
  Proceeds from sale of premises and equipment
    
-
      
-
      
-
  
  Proceeds from sale of foreclosed assets held for sale
    
846
      
973
      
565
  
  Acquisition, net of cash paid
    
(4,399
)
    
-
      
77,895
  
      Net cash used in investing activities
    
(105,425
)
    
(70,078
)
    
19,063
  
Cash Flows from Financing Activities:
                        
  Net (decrease) increase in deposits
    
61,560
      
17,472
      
(11,132
)
  Proceeds from long-term borrowings
    
9
      
543
      
5,291
  
  Repayments of long-term borrowings
    
(2,000
)
    
(534
)
    
(700
)
  Net increase (decrease) in short-term borrowed funds
    
36,993
      
38,022
      
(4,759
)
  Purchase of treasury stock
    
(979
)
    
(3,227
)
    
(2,455
)
  Purchase of restricted stock
    
-
      
-
      
(7
)
  Reissuance of treasury stock to employee stock purchase plan
    
43
      
59
      
-
  
  Dividends paid
    
(5,177
)
    
(5,081
)
    
(5,151
)
      Net cash provided by (used in) financing activities
    
90,449
      
47,254
      
(18,913
)
          Net increase (decrease) in cash and cash equivalents
    
763
      
(6,630
)
    
12,961
  
Cash and Cash Equivalents at Beginning of Year
    
17,754
      
24,384
      
11,423
  
Cash and Cash Equivalents at End of Year
  
$
18,517
    
$
17,754
    
$
24,384
  
 
                        
Supplemental Disclosures of Cash Flow Information:
                        
      Interest paid
  
$
5,662
    
$
5,055
    
$
4,841
  
      Income taxes paid
  
$
4,550
    
$
2,475
    
$
3,375
  
      Non-cash activities:
                        
        Stock dividend
  
$
9,023
    
$
1,574
    
$
-
  
        Real estate acquired in settlement of loans
  
$
911
    
$
599
    
$
323
  
        Investments sold and not settled included in other assets
  
$
-
    
$
7,759
    
$
-
  
56
 
 
                        
   
Acquisition of
  
   
State College S&T Branch
            
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
    
39,847
      
-
      
115,211
  
            Premises and equipment
    
86
      
-
      
4,743
  
            Accrued interest receivable
    
74
      
-
      
282
  
            Bank owned life insurance
    
-
      
-
      
4,598
  
            Intangibles
    
145
      
-
      
1,981
  
            Deferred tas asset
    
-
      
-
      
2,979
  
            Other assets
    
-
      
-
      
2,332
  
            Goodwill
    
2,207
      
-
      
10,833
  
 
    
42,359
      
-
      
168,026
  
 
                        
      Liabilities assumed
                        
           Noninterest-bearing deposits
    
37,880
      
-
      
71,971
  
           Interest-bearing deposits
    
-
      
-
      
153,259
  
           Accrued interest payable
    
29
      
-
      
14
  
           Other liabilities
    
51
      
-
      
4,693
  
 
    
37,960
      
-
      
229,937
  
      Net non-cash assets (liabilities) acquired
    
4,399
      
-
      
(61,911
)
      Cash and cash equivalents acquired
  
$
154
    
$
-
    
$
83,514
  
 
                        
See accompanying notes to consolidated financial statements.
                        


57
 
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).  On December 8, 2017, the Bank completed its acquisition of the S&T branch in State College (State College). As of December 31, 2017, the Bank operates twenty six full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill and Centre counties, Pennsylvania and Allegany County, New York, and a limited branch office in both Union and Lancaster counties, 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, pension plans 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, services and regions, 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.
58
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, 2017 and 2016.
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, 2017 and 2016.
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.
59
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.
60
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.
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Purchased Credit Impaired Loans
The Company purchased loans in connection with its acquisition of FNB in 2015 and its acquisition of the State College branch  in 2017, 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, as 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, other than goodwill, 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.
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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 2017, 2016 or 2015.
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 of $578,000 and $569,000 under split-dollar benefit agreements to former employees and directors or their beneficiaries have been recognized as liabilities on the consolidated balance sheet.at December 31, 2017 and 2016.
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. The Tax Cuts and Jobs Act, enacted on December 22, 2017, lowered the federal corporate income tax rate from 35% to 21% effective January 1, 2018. As a result, the carrying value of net deferred tax assets was reduced which increased income tax expense by $1,531,000.
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.
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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 and amounted to $343,000, $356,000 and $243,000 for the years ended December 31, 2017, 2016 and 2015, respectively.
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.
Change in Accounting Principal
On February 14, 2018, the Financial Accounting Standards Board finalized ASU 2018-02 - Income Statement-Reporting Comprehensive Income (Topic 220). This accounting standard allows Companies to reclassify the "stranded" tax effect in accumulated other comprehensive income that resulted from the U.S. federal government enacted a tax bill, H.R.1, An Act to Provide for Reconciliation Pursuant to Titles II and V of the Concurrent Resolution on the Budget for Fiscal Year 2018 (Tax Cuts and Jobs Act), which requires deferred tax liabilities and assets to be adjusted for the effect of a change in tax laws. 
The Company has elected to early-adopt this accounting standard, which provides a benefit to the financial statements by more accurately aligning the impacts of the items carried in accumulated other comprehensive income with the associate tax effect.  The adoption was applied on a modified retrospective and resulted in a one-time cumulative effect adjustment of $559,000 between Retained Earnings and Accumulated Other Comprehensive Income on the Consolidated Balance Sheet as of the beginning of the current period.  The adjustment had no impact on Net Income or any prior periods presented.
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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.  Since the guidance scopes out revenue associated with financial instruments, including loan receivables and investment securities, we do not expect the adoption of 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 revenue is 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.  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. Upon adoption on January 1, 2018, the Company made a one-time cumulative effect adjustment from accumulated other comprehensive income to retained earnings of $1,000.  The net effect was a decrease to retained earnings.
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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 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, 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), 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 2016-18, 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 2016-20, 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.  This Update is not expected to have a significant impact on the Company's financial statements.
In January 2017, the FASB issued ASU 2017-04, Simplifying the Test for Goodwill Impairment. To simplify the subsequent measurement of goodwill, the FASB eliminated Step 2 from the goodwill impairment test.  In computing the implied fair value of goodwill under Step 2, an entity had to perform procedures to determine the fair value at the impairment testing date of its assets and liabilities (including unrecognized assets and liabilities) following the procedure that would be required in determining the fair value of assets acquired and liabilities assumed in a business combination.  Instead, under the amendments in this Update, an entity should perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting units fair value; however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit.  A public business entity that is a U.S. Securities and Exchange Commission (SEC) filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. A public business entity that is not an SEC filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2020.  All other entities, including not-for-profit entities, that are adopting the amendments in this Update should do so for their annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2021. This Update is not expected to have a significant impact on the Company's financial statements.
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n March 2017, the FASB issued ASU 2017-07, Compensation—Retirement Benefits (Topic 715). The amendments in this Update require that an employer report the service cost component in the same line item or items as other compensation costs arising from services rendered by the pertinent employees during the period.  The other components of net benefit cost as defined in paragraphs 715-30-35-4 and 715-60-35-9 are required to be presented in the income statement separately from the service cost component and outside a subtotal of income from operations, if one is presented. If a separate line item or items are used to present the other components of net benefit cost, that line item or items must be appropriately described. If a separate line item or items are not used, the line item or items used in the income statement to present the other components of net benefit cost must be disclosed.  The amendments in this Update are effective for public business entities for annual periods beginning after December 15, 2017, including interim periods within those annual periods. For other entities, the amendments in this Update are effective for 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 retrospectively for the presentation of the service cost component and the other components of net periodic pension cost and net periodic postretirement benefit cost in the income statement and prospectively, on and after the effective date, for the capitalization of the service cost component of net periodic pension cost and net periodic postretirement benefit in assets. This Update is not expected to have a significant impact on the Company's financial statements.
In March 2017, the FASB issued ASU 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20). The amendments in this Update shorten the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity.  For public business entities, the amendments in this Update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018.  For all other entities, the amendments are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020.  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 should apply the amendments in this Update on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosures about a change in accounting principle.  This Update is not expected to have a significant impact on the Company's financial statements.
In July 2017, the FASB issued ASU 2017-11, Earnings Per Share (Topic 260), Distinguishing Liabilities from Equity (Topic 480), and Derivative and Hedging (Topic 815). The amendments in Part I of this Update change the classification analysis of certain equity-linked financial instruments (or embedded features) with down-round features. When determining whether certain financial instruments should be classified as liabilities or equity instruments, a down-round feature no longer precludes equity classification when assessing whether the instrument is indexed to an entity's own stock. The amendments also clarify existing disclosure requirements for equity-classified instruments. As a result, a freestanding equity-linked financial instrument (or embedded conversion option) no longer would be accounted for as a derivative liability at fair value as a result of the existence of a down-round feature. For freestanding equity classified financial instruments, the amendments require entities that present earnings per share (EPS) in accordance with Topic 260 to recognize the effect of the down-round feature when it is triggered. That effect is treated as a dividend and as a reduction of income available to common shareholders in basic EPS. Convertible instruments with embedded conversion options that have down- round features are now subject to the specialized guidance for contingent beneficial conversion features (in Subtopic 470-20, Debt—Debt with Conversion and Other Options), including related EPS guidance (in Topic 260). The amendments in Part II of this Update recharacterize the indefinite deferral of certain provisions of Topic 480 that now are presented as pending content in the Accounting Standards Codification, to a scope exception. Those amendments do not have an accounting effect. For public business entities, the amendments in Part I of this Update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. For all other entities, the amendments in Part I of this Update are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. Early adoption is permitted for all entities, 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 Part I of this Update should be applied either retrospectively to outstanding financial instruments with a down-round feature by means of a cumulative-effect adjustment to the statement of financial position as of the beginning of the first fiscal year and interim period(s) in which the pending content that links to this paragraph is effective or retrospectively to outstanding financial instruments with a down-round feature for each prior reporting period presented in accordance with the guidance on accounting changes in paragraphs 250-10-45-5 through 45-10. The amendments in Part II of this Update do not require any transition guidance because those amendments do not have an accounting effect.  This Update is not expected to have a significant impact on the Company's financial statements.
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In August 2017, the FASB issued ASU 2017-12, Derivatives and Hedging (Topic 850), the objective of which is to improve the financial reporting of hedging relationships to better portray the economic results of an entity's risk management activities in its financial statements. In addition, the amendments in this Update make certain targeted improvements to simplify the application and disclosure of the hedge accounting guidance in current general accepted accounting principles.  For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2018, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2019, and interim periods beginning after December 15, 2020. Early application is permitted in any period after issuance.  For cash flow and net investment hedges existing at the date of adoption, an entity should apply a cumulative-effect adjustment related to eliminating the separate measurement of ineffectiveness to accumulated other comprehensive income with a corresponding adjustment to the opening balance of retained earnings as of the beginning of the fiscal year that an entity adopts the amendments in this Update. The amended presentation and disclosure guidance is required only prospectively. The Company is currently evaluating the impact the adoption of the standard will have on the Company's financial position or results of operations.
In January 2018, the FASB issued ASU 2018-01, Leases (Topic 842), which provides an optional transition practical expedient to not evaluate under Topic 842 existing or expired land easements that were not previously accounted for as leases under the current lease guidance in Topic 840.  An entity that elects this practical expedient should evaluate new or modified land easements under Topic 842 beginning at the date the entity adopts Topic 842; otherwise, an entity should evaluate all existing or expired land easements in connection with the adoption of the new lease requirements in Topic 842 to assess whether they meet the definition of a lease.  The effective date and transition requirements for the amendments are the same as the effective date and transition requirements in ASU 2016-02.  This Update is not expected to have a significant impact on the Company's financial statements.
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.
 
70
   
2017
    
2016
    
2015
  
                   
Basic earnings per share computation:
                  
Net income applicable to common stock
  
$
13,025,000
    
$
12,638,000
    
$
11,626,000
  
Weighted average common shares outstanding
    
3,481,366
      
3,507,497
      
3,229,470
  
Earnings per share - basic
  
$
3.74
    
$
3.60
    
$
3.60
  
 
                        
Diluted earnings per share computation:
                        
Net income applicable to common stock
  
$
13,025,000
    
$
12,638,000
    
$
11,626,000
  
 
                        
Weighted average common shares outstanding for basic earnings per share
    
3,481,366
      
3,507,497
      
3,229,470
  
Add: Dilutive effects of restricted stock
    
1,724
      
1,556
      
1,360
  
Weighted average common shares outstanding for dilutive earnings per share
    
3,483,090
      
3,509,053
      
3,230,830
  
Earnings per share - dilutive
  
$
3.74
    
$
3.60
    
$
3.60
  
Nonvested shares of restricted stock totaling 3,403, 3,087 and 2,105 were outstanding during 2017, 2016 and 2015, 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, $46.69-$53.15 and $50.15-$53.15 for  2017, 2016 and  2015, 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.
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 $2,645,000 and $2,297,000 at December 31, 2017 and 2016, 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, 2017 and 2016 were as follows (in thousands):
         
Gross
    
Gross
        
   
Amortized
    
Unrealized
    
Unrealized
    
Fair
  
2017
  
Cost
    
Gains
    
Losses
    
Value
  
Available-for-sale securities:
                        
  U.S. Agency securities
  
$
99,454
    
$
26
    
$
(593
)
  
$
98,887
  
  U.S. Treasuries
    
28,782
      
-
      
(178
)
    
28,604
  
  Obligations of state and
                                
    political subdivisions
    
78,409
      
820
      
(139
)
    
79,090
  
  Corporate obligations
    
3,000
      
83
      
-
      
3,083
  
  Mortgage-backed securities in
                                
    government sponsored entities
    
45,385
      
19
      
(377
)
    
45,027
  
  Equity securities in financial institutions
    
92
      
-
      
(1
)
    
91
  
Total available-for-sale securities
  
$
255,122
    
$
948
    
$
(1,288
)
  
$
254,782
  
                                 

71
         
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
  
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, 2017 and 2016 (in thousands).  As of December 31, 2017, the Company owned 122 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
  
2017
  
Value
    
Losses
    
Value
    
Losses
    
Value
    
Losses
  
U.S. Agency securities
  
$
74,952
    
$
(421
)
  
$
16,928
    
$
(172
)
  
$
91,880
    
$
(593
)
U.S. Treasuries
    
28,604
      
(178
)
    
-
      
-
      
28,604
      
(178
)
Obligations of states and
                                                
     political subdivisions
    
14,885
      
(85
)
    
5,958
      
(54
)
    
20,843
      
(139
)
Mortgage-backed securities in
                                                
     government sponsored entities
    
27,154
      
(190
)
    
13,822
      
(187
)
    
40,976
      
(377
)
  Equity securities in financial institutions
    
91
      
(1
)
    
-
      
-
      
91
      
(1
)
    Total securities
  
$
145,686
    
$
(875
)
  
$
36,708
    
$
(413
)
  
$
182,394
    
$
(1,288
)
                                                 
2016
                                                
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
)
As of December 31, 2017, 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, U.S Treasury securities, obligations of states and political subdivisions, mortgage backed securities in government sponsored entities and equity securities in financial institutions. For fixed maturity investments management considers whether the present value of cash flows expected to be collected are less than the security's amortized cost basis (the difference defined as the credit loss), the magnitude and duration of the decline, the reasons underlying the decline and the Company's intent to sell the security or whether it is more likely than not that the Company would be required to sell the security before its anticipated recovery in market value, to determine whether the loss in value is other than temporary. Once a decline in value is determined to be other than temporary, if the Company does not intend to sell the security, and it is more-likely-than-not that it will not be required to sell the security, before recovery of the security's amortized cost basis, the charge to earnings is limited to the amount of credit loss. Any remaining difference between fair value and amortized cost (the difference defined as the non-credit portion) is recognized in other comprehensive income, net of applicable taxes. Otherwise, the entire difference between fair value and amortized cost is charged to earnings. For equity securities where the fair value has been significantly below cost for one year, the Company's policy is to recognize an impairment loss unless sufficient evidence is available that the decline is not other than temporary and a recovery period can be predicted.  As of December 31, 2017 and 2016, 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 2017, 2016 and, 2015 were $58,177,000, $22,372,000 and  $30,464,000, respectively. The gross gains realized during 2017 consisted of $23,000, $20,000, $13,000 and $1,149,000 from the sales of ten agency securities, one mortgage backed security, thirteen interest bearing time deposits with other banks and five equity security positions, respectively. The gross losses realized during 2017 consisted of $170,000 from the sale of fourteen agency securities. 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. Gross gains and gross losses were realized as follows (in thousands):
 
  
2017
    
2016
    
2015
  
Gross gains
  
$
1,205
    
$
312
    
$
440
  
Gross losses
    
(170
)
    
(57
)
    
(11
)
Net (losses) gains
  
$
1,035
    
$
255
    
$
429
  
Investment securities with an approximate carrying value of $243,382,000 and $206,322,000 at December 31, 2017 and 2016, 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, 2017, 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
  
$
45,328
    
$
45,369
  
  Due after one year through five years
    
118,597
      
118,331
  
  Due after five years through ten years
    
31,687
      
31,676
  
  Due after ten years
    
59,418
      
59,315
  
Total
  
$
255,030
    
$
254,691
  
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, 2017 and 2016, 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, 2017 and 2016 (in thousands):

73

2017
  
Total Loans
    
Individually evaluated for impairment
    
Loans acquired with deteriorated credit quality
    
Collectively evaluated for impairment
  
Real estate loans:
                        
     Residential
  
$
214,479
    
$
1,065
    
$
33
    
$
213,381
  
     Commercial
    
308,084
      
13,864
      
1,460
      
292,760
  
     Agricultural
    
239,957
      
3,901
      
702
      
235,354
  
     Construction
    
13,502
      
-
      
-
      
13,502
  
Consumer
    
9,944
      
8
      
-
      
9,936
  
Other commercial loans
    
72,013
      
4,197
      
443
      
67,373
  
Other agricultural loans
    
37,809
      
1,363
      
-
      
36,446
  
State and political subdivision loans
    
104,737
      
-
      
-
      
104,737
  
Total
    
1,000,525
      
24,398
      
2,638
      
973,489
  
Allowance for loan losses
    
11,190
      
410
      
-
      
10,780
  
Net loans
  
$
989,335
    
$
23,988
    
$
2,638
    
$
962,709
  
                                 
2016
                                
Real estate loans:
                                
     Residential
  
$
207,423
    
$
957
    
$
35
    
$
206,431
  
     Commercial
    
252,577
      
5,742
      
1,969
      
244,866
  
     Agricultural
    
123,624
      
3,347
      
738
      
119,539
  
     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
      
1,653
      
-
      
21,735
  
State and political subdivision loans
    
97,514
      
-
      
-
      
97,514
  
Total
    
799,611
      
17,693
      
3,367
      
778,551
  
Allowance for loan losses
    
8,886
      
487
      
-
      
8,399
  
Net loans
  
$
790,725
    
$
17,206
    
$
3,367
    
$
770,152
  
As of December 31, 2017 and 2016, net unamortized loan fees and costs of $794,000 and $732,000, respectively, were included in the carrying value of loans. Purchased loans acquired in connection with the FNB acquisition and the State College branch 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 $2,638,000 and $3,367,000 at December 31, 2017 and December 31, 2016, 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.
74
Changes in the amortizable yield for PCI loans were as follows for the years ended December 31, 2017 and 2016 (in thousands):
 
  
December 31, 2017
    
December 31, 2016
  
Balance at beginning of period
  
$
389
    
$
637
  
Accretion
    
(632
)
    
(349
)
Reclassification of non-accretable discount
    
349
      
101
  
Balance at end of period
  
$
106
    
$
389
  
The following table presents additional information regarding PCI loans (in thousands):
   
December 31, 2017
    
December 31, 2016
  
Outstanding balance
  
$
5,295
    
$
6,487
  
Carrying amount
    
2,638
      
3,367
  
Real estate loans serviced for Freddie Mac, Fannie Mae and the FHLB, which are not included in the Consolidated Balance Sheet, totaled $142,972,000 and $135,404,000 at December 31, 2017 and 2016, respectively. Loans sold to Freddie Mac and Fannie Mae were sold without recourse and total $114,643,000 and $102,444,000 at December 31, 2017 and 2016, 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 $28,329,000 and $32,960,000 at December 31, 2017 and 2016, respectively. The FHLB maintains a first-loss position for the MPF portfolio that totals $123,000. Should the FHLB exhaust its first-loss position, recourse to the Bank's credit enhancement would be up to the next $980,000 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, 2017 and 2016, if applicable (in thousands):

75
 
 
        
Recorded
    
Recorded
              
 
  
Unpaid
    
Investment
    
Investment
    
Total
        
 
  
Principal
    
With No
    
With
    
Recorded
    
Related
  
2017 
  
Balance
    
Allowance
    
Allowance
    
Investment
    
Allowance
  
Real estate loans:
                              
     Mortgages
  
$
1,055
    
$
273
    
$
700
    
$
973
    
$
47
  
     Home Equity
    
92
      
40
      
52
      
92
      
9
  
     Commercial
    
16,363
      
13,154
      
710
      
13,864
      
94
  
     Agricultural
    
5,231
      
3,283
      
618
      
3,901
      
3
  
Consumer
    
10
      
2
      
6
      
8
      
-
  
Other commercial loans
    
4,739
      
3,766
      
431
      
4,197
      
231
  
Other agricultural loans
    
1,397
      
1,238
      
125
      
1,363
      
26
  
Total
  
$
28,887
    
$
21,756
    
$
2,642
    
$
24,398
    
$
410
  
 
                                        
 2016
                                        
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
  
The following table includes the average investment in impaired loans and the income recognized on impaired loans for 2017, 2016 and 2015 (in thousands):
 
              
Interest
  
 
  
Average
    
Interest
    
Income
  
 
  
Recorded
    
Income
    
Recognized
  
2017
  
Investment
    
Recognized
    
Cash Basis
  
Real estate loans:
                  
     Mortgages
  
$
900
    
$
13
    
$
-
  
     Home Equity
    
67
      
4
      
-
  
     Commercial
    
11,567
      
385
      
7
  
     Agricultural
    
3,574
      
131
      
-
  
Consumer
    
3
      
-
      
-
  
Other commercial loans
    
4,790
      
152
      
52
  
Other agricultural loans
    
1,491
      
65
      
-
  
Total
  
$
22,392
    
$
750
    
$
59
  
 
                        
2016
                        
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
  

76
               
Interest
  
   
Average
    
Interest
    
Income
  
 
  
Recorded
    
Income
    
Recognized
  
2015
  
Investment
    
Recognized
    
Cash Basis
  
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
  
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 50% of the dollar volume of the commercial loan portfolio on an annual basis, 2) review new loans originated 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, 2017 and 2016 (in thousands):

77
2017 
  
Pass
    
Special Mention
    
Substandard
    
Doubtful
    
Loss
    
Ending Balance
  
Real estate loans:
                                    
     Commercial
  
$
281,742
    
$
15,029
    
$
11,271
    
$
42
    
$
-
    
$
308,084
  
     Agricultural
    
222,198
      
11,538
      
6,221
      
-
      
-
      
239,957
  
     Construction
    
13,364
      
-
      
138
      
-
      
-
      
13,502
  
Other commercial loans
    
67,706
      
615
      
3,567
      
125
      
-
      
72,013
  
Other agricultural loans
    
34,914
      
1,325
      
1,570
      
-
      
-
      
37,809
  
State and political subdivision loans
    
94,125
      
-
      
10,612
      
-
      
-
      
104,737
  
Total
  
$
714,049
    
$
28,507
    
$
33,379
    
$
167
    
$
-
    
$
776,102
  

2016 
  
Pass
    
Special Mention
    
Substandard
    
Doubtful
    
Loss
    
Ending Balance
  
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
  
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, 2017 and 2016 (in thousands):
2017
  
Performing
    
Non-performing
    
PCI
    
Total
  
Real estate loans:
                        
     Mortgages
  
$
152,820
    
$
1,492
    
$
33
    
$
154,345
  
     Home Equity
    
60,022
      
112
      
-
      
60,134
  
Consumer
    
9,895
      
49
      
-
      
9,944
  
Total
  
$
222,737
    
$
1,653
    
$
33
    
$
224,423
  
 
                                
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
  
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, 2017 and 2016 (in thousands):

78
 
  
30-59 Days
    
60-89 Days
    
90 Days
    
Total Past
              
Total Financing
    
90 Days and
  
2017
  
Past Due
    
Past Due
    
Or Greater
    
Due
    
Current
    
PCI
        Receivables    
Accruing
  
Real estate loans:
                                          
     Mortgages
  
$
996
    
$
362
    
$
810
    
$
2,168
    
$
152,144
    
$
33
    
$
154,345
    
$
218
  
     Home Equity
    
277
      
86
      
78
      
441
      
59,693
      
-
      
60,134
      
-
  
     Commercial
    
1,353
      
1,010
      
3,865
      
6,228
      
300,396
      
1,460
      
308,084
      
162
  
     Agricultural
    
242
      
-
      
205
      
447
      
238,808
      
702
      
239,957
      
30
  
     Construction
    
-
      
-
      
133
      
133
      
13,369
      
-
      
13,502
      
-
  
Consumer
    
53
      
33
      
49
      
135
      
9,809
      
-
      
9,944
      
7
  
Other commercial loans
    
132
      
-
      
2,372
      
2,504
      
69,066
      
443
      
72,013
      
32
  
Other agricultural loans
    
-
      
42
      
106
      
148
      
37,661
      
-
      
37,809
      
106
  
State and political
                                                                
   subdivision loans
    
-
      
-
      
-
      
-
      
104,737
      
-
      
104,737
      
-
  
Total
  
$
3,053
    
$
1,533
    
$
7,618
    
$
12,204
    
$
985,683
    
$
2,638
    
$
1,000,525
    
$
555
  
 
                                                                
Loans considered non-accrual
  
$
816
    
$
281
    
$
7,063
    
$
8,160
    
$
2,011
    
$
-
    
$
10,171
          
Loans still accruing
    
2,237
      
1,252
      
555
      
4,044
      
983,672
      
2,638
      
990,354
          
Total
  
$
3,053
    
$
1,533
    
$
7,618
    
$
12,204
    
$
985,683
    
$
2,638
    
$
1,000,525
          
                                                                 
2016
                                                                
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
          
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, 2017 and 2016, respectively. The balances are presented by class of loan (in thousands):

79
 
  
2017
    
2016
  
Real estate loans:
            
     Mortgages
  
$
1,274
    
$
1,475
  
     Home Equity
    
112
      
95
  
     Commercial
    
5,192
      
4,445
  
     Agricultural
    
175
      
1,340
  
     Construction
    
133
      
-
  
Consumer
    
42
      
42
  
Other commercial loans
    
2,637
      
4,057
  
Other agricultural loans
    
606
      
-
  
 
  
$
10,171
    
$
11,454
  
Interest income on loans would have increased by approximately $709,000, $603,000 and $463,000 during 2017, 2016 and 2015, 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, 2017, 2016 and 2015, included within the allowance for loan losses are reserves of $41,000, $29,000 and $37,000, respectively, that are associated with loans modified as TDRs.
Loan modifications that are considered TDRs completed during the years ended December 31, 2017, 2016 and 2015 were as follows (dollars in thousands):

80
   
Number of contracts
    
Pre-modification Outstanding Recorded Investment
    
Post-Modification Outstanding Recorded Investment
  
  2017
  
Interest Modification
    
Term Modification
    
Interest Modification
    
Term Modification
    
Interest Modification
    
Term Modification
  
Real estate loans:
                                    
     Home Equity
    
-
      
1
    
$
-
    
$
25
    
$
-
    
$
25
  
     Commercial
    
-
      
5
      
-
      
7,021
      
-
      
7,021
  
     Agricultural
    
-
      
4
      
-
      
1,475
      
-
      
1,475
  
Other commercial loans
    
-
      
1
      
-
      
9
      
-
      
9
  
Other agricultural loans
    
-
      
1
      
-
      
161
      
-
      
161
  
Total
    
-
      
12
    
$
-
    
$
8,691
    
$
-
    
$
8,691
  
                                                 
 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
  
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, 2017, 2016 and 2015, respectively, and that subsequently defaulted during these reporting periods (dollars in thousands):
 
  
December 31, 2017
    
December 31, 2016
    
December 31, 2015
  
 
  
Number of
contracts
    
Recorded
investment
    
Number of
contracts
    
Recorded
investment
    
Number of
 contracts
    
Recorded
investment
  
 
                                    
Other agricultural loans
    
2
    
$
632
      
-
    
$
-
      
-
    
$
-
  
Total recidivism
    
2
    
$
632
      
-
    
$
-
      
-
    
$
-
  
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, 2017 and 2016 included with other assets are $1,119,000, and $1,036,000, respectively, of foreclosed assets. As of December 31, 2017, included within the foreclosed assets is $254,000 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, 2017, the Company has initiated formal foreclosure proceedings on $1,600,000 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, 2017, 2016 and 2015 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, 2017, 2016 and 2015 (in thousands):

81
 
  
Balance at
December 31, 2016
    
Charge-offs
    
Recoveries
    
Provision
(Benefit)
    
Balance at
December 31, 2017
    
Individually
evaluated for impairment
    
Collectively
evaluated for impairment
  
Real estate loans:
                                          
     Residential
  
$
1,064
    
$
(107
)
  
$
-
    
$
92
    
$
1,049
    
$
56
    
$
993
  
     Commercial
    
3,589
      
(41
)
    
11
      
308
      
3,867
      
94
      
3,773
  
     Agricultural
    
1,494
      
(30
)
    
-
      
1,679
      
3,143
      
3
      
3,140
  
     Construction
    
47
      
-
      
-
      
(24
)
    
23
      
-
      
23
  
Consumer
    
122
      
(130
)
    
49
      
83
      
124
      
-
      
124
  
Other commercial loans
    
1,327
      
-
      
16
      
(71
)
    
1,272
      
231
      
1,041
  
Other agricultural loans
    
312
      
(5
)
    
1
      
184
      
492
      
26
      
466
  
State and political
                                                        
  subdivision loans
    
833
      
-
      
-
      
(17
)
    
816
      
-
      
816
  
Unallocated
    
98
      
-
      
-
      
306
      
404
      
-
      
404
  
Total
  
$
8,886
    
$
(313
)
  
$
77
    
$
2,540
    
$
11,190
    
$
410
    
$
10,780
  
 
                                                        
 
  
Balance at
December 31, 2015
    
Charge-offs
    
Recoveries
    
Provision
(Benefit)
    
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
(Benefit)
    
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
  
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 portfolio segments:
2017
Residential - There was an increase in the historical loss factor for residential loans when comparing 2016 and 2017. The specific reserve for residential loans increased slightly between 2016 and 2017.   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.  The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for residential loan categories due to an decrease in the unemployment rates in the local economy during 2017.
82
Commercial real estate– There was a decrease in the historical loss factor for commercial real estate loans when comparing 2016 and 2017. The specific reserve for commercial real estate loans increased slightly between 2016 and 2017. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for all commercial real estate loans due to an decrease in the unemployment rates in the local economy during 2017. The qualitative factors for changes in the levels of and trends in delinquencies, impaired and classified loans was decreased due to a lower amount of substandard loans.
Agricultural real estate – There was an increase in the historical loss factor for agricultural real estate loans from 2016 to 2017.  The specific reserve for agricultural real estate loans decreased from 2016 to 2017. 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 classified loans.  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 the unemployment rates in the local economy during 2017. The qualitative factors for existence of credit concentrations and changes in the level of concentrations were increased for agricultural real estate loans due to growth in these loan categories.
Other commercial - There was a decrease in the historical loss factor for other commercial loans when comparing 2016 and 2017. The specific reserve for other commercial loans decreased from 2016 to 2017. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was decreased due to the decrease in non-accrual loans and past due loans.  The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for other commercial loans due to an decrease in the unemployment rates in the local economy during 2017. The qualitative factors for existence of credit concentrations and changes in the level of concentrations were decreased for other commercial loans due to limited organic growth in these loan categories.
Other agricultural - There was an increase in the historical loss factor for other agricultural loans from 2016 to 2017.  The specific reserve for other agricultural loans decreased slightly from 2016 to 2017. 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 substandard loans. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for other agricultural loan categories due to a decrease in the unemployment rates in the local economy during 2017. The qualitative factors for existence of credit concentrations and changes in the level of concentrations were increased for other agricultural loans due to growth in these loan categories.
Municipal loans - There was no change in the historical loss factor or specific reserve for municipal loans from 2016 to 2017. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for municipal loans due to a decrease in the unemployment rates in the local economy during 2017.
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.
83
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 change in the historical loss factor or the 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.
84
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.
85
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.
5. PREMISES & EQUIPMENT
Premises and equipment at December 31, 2017 and 2016 are summarized as follows (in thousands):
 
  
December 31,
  
 
  
2017
    
2016
  
Land
  
$
5,110
    
$
5,110
  
Buildings
    
17,402
      
17,315
  
Furniture, fixtures and equipment
    
6,698
      
6,678
  
Construction in process
    
16
      
5
  
 
    
29,226
      
29,108
  
Less: accumulated depreciation
    
12,703
      
12,078
  
Premises and equipment, net
  
$
16,523
    
$
17,030
  
Depreciation expense amounted to $776,000, $763,000 and $608,000 for 2017, 2016 and 2015, respectively.
6. GOODWILL AND OTHER INTANGIBLE ASSETS
The following table provides the gross carrying value and accumulated amortization of intangible assets as of December 31, 2017 and 2016 (in thousands):
 
  
December 31, 2017
    
December 31, 2016
  
 
  
Gross carrying value
   
Accumulated amortization
   
Net carrying value
   
Gross carrying value
   
Accumulated amortization
   
Net carrying value
 
Amortized intangible assets (1):
                                    
MSRs
  
$
1,605
    
$
(912
)
  
$
693
    
$
1,471
    
$
(787
)
  
$
684
  
Core deposit intangibles
    
1,786
      
(586
)
    
1,200
      
1,641
      
(320
)
    
1,321
  
Covenant not to compete
    
125
      
(65
)
    
60
      
125
      
(34
)
    
91
  
Total amortized intangible assets
  
$
3,516
    
$
(1,563
)
  
$
1,953
    
$
3,237
    
$
(1,141
)
  
$
2,096
  
Unamortized intangible assets:
                                                
Goodwill
  
$
23,296
                    
$
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, 2017. Future amortization expense may vary from these projections:

86
 
 
  
MSRs
    
Core deposit intangibles
   
Covenant not to compete
    
Total
 
Year ended December 31, 2017 (actual)
  
$
177
    
$
266
    
$
31
    
$
474
  
Estimate for year ended December 31,
                                
2018
    
184
      
265
      
31
      
480
  
2019
    
148
      
230
      
29
      
407
  
2020
    
115
      
197
      
-
      
312
  
2021
    
88
      
165
      
-
      
253
  
2022
    
64
      
133
      
-
      
197
  
7. FEDERAL HOME LOAN BANK (FHLB) STOCK
As a member of the FHLB of Pittsburgh, the Bank 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, 2017 and 2016, the Bank held $6,021,000 and $4,542,000, 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.
8. DEPOSITS
The following table shows the breakdown of deposits as of December 31, 2017 and 2016, by deposit type (in thousands):
 
  
2017
    
2016
  
Non-interest-bearing deposits
  
$
171,840
    
$
147,425
  
NOW accounts
    
337,307
      
305,862
  
Savings deposits
    
184,057
      
170,722
  
Money market deposit accounts
    
145,287
      
116,880
  
Certificates of deposit
    
266,452
      
264,614
  
Total
  
$
1,104,943
    
$
1,005,503
  
Certificates of deposit of $250,000 or more amounted to $62,561,000 and $56,743,000 at December 31, 2017 and 2016, respectively.
Following are maturities of certificates of deposit as of December 31, 2017 (in thousands):
2018
  
$
107,591
  
2019
    
51,071
  
2020
    
56,515
  
2021
    
24,390
  
2022
    
20,870
  
Thereafter
    
6,015
  
Total certificates of deposit
  
$
266,452
  
9. BORROWED FUNDS AND REPURCHASE AGREEMENTS
The following table shows the breakdown of borrowed funds as of December 31, 2017 and 2016, (dollars in thousands):
87
 
  
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
  
2017
                                          
Balance at December 31
  
$
14,989
    
$
77,650
    
$
-
    
$
-
    
$
7,500
    
$
14,525
    
$
114,664
  
Highest balance at any month-end
    
16,643
      
78,858
      
-
      
-
      
7,500
      
16,525
      
119,526
  
Average balance
    
15,598
      
29,409
      
1
      
2
      
7,500
      
16,026
      
68,536
  
Weighted average interest rate:
                                                        
    Paid during the year
    
0.97
%
    
1.25
%
    
1.52
%
    
1.75
%
    
4.06
%
    
2.44
%
    
1.77
%
    As of year-end
    
1.37
%
    
1.54
%
    
0.00
%
    
0.00
%
    
4.40
%
    
2.42
%
    
1.82
%
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
%
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, 2017 and December 31, 2016 is presented in the following tables.

 
  
Remaining Contractual Maturity of the Agreements
  
 
  
Overnight and
    
Up to
          
Greater than
        
2017
  
Continuous
    
30 Days
    
30 - 90 Days
    
90 days
    
Total
  
Repurchase Agreements:
                              
U.S. agency securities
  
$
16,027
    
$
-
    
$
-
    
$
2,035
        
Total carrying value of collateral pledged
  
$
16,027
    
$
-
    
$
-
    
$
2,035
    
$
18,062
  
                                         
Total liability recognized for repurchase agreements
                                  
$
14,989
  

   
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
        
Total carrying value of collateral pledged
  
$
16,118
    
$
-
    
$
-
    
$
2,059
    
$
18,177
  
                                         
Total liability recognized for repurchase agreements
                                  
$
14,307
  

(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 $453,407,000, 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, 2017 and 2016, the Company has a borrowing limit of $4,400,000 and $4,360,000, respectively, inclusive of any outstanding advances. The approximate carrying value of the municipal loan collateral was $14,590,000 and  $15,560,000 as of December 31, 2017 and 2016, respectively.
88
(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 percent.   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
  
2017
    
2016
  
Fixed:
    
 
            
 
2.29
%
  
October 2, 2017
          
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
  
$
14,525
    
$
16,525
  
Following are maturities of borrowed funds as of December 31, 2017 (in thousands):
2018
  
$
100,025
  
2019
    
2,000
  
2020
    
580
  
2021
    
7,334
  
2022
    
4,725
  
Thereafter
    
-
  
Total borrowed funds
  
$
114,664
  
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, 2017, 2016 and 2015, contributions to the pension plans totaled $3,000,000, $818,000 and $400,000, respectively.
89
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 $133,000, $82,000 and $61,000 for 2017, 2016 and 2015, respectively.
The following table sets forth the obligation and funded status as of December 31 (in thousands):
 
  
2017
    
2016
  
 
            
Change in benefit obligation
            
Benefit obligation at beginning of year
  
$
18,603
    
$
17,809
  
Service cost
    
349
      
345
  
Interest cost
    
671
      
692
  
Actuarial (Gain) / Loss
    
1,015
      
439
  
Benefits paid
    
(805
)
    
(682
)
Benefit obligation at end of year
    
19,833
      
18,603
  
 
                
Change in plan assets
                
Fair value of plan assets at beginning of year
    
15,786
      
14,786
  
Actual return (loss) on plan assets
    
2,011
      
864
  
Employer contribution
    
3,000
      
818
  
Benefits paid
    
(805
)
    
(682
)
Fair value of plan assets at end of year
    
19,992
      
15,786
  
 
                
Funded status
  
$
159
    
$
(2,817
)
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:
  
2017
    
2016
  
Net loss
  
$
4,088
    
$
4,263
  
Prior service cost
    
(127
)
    
(175
)
Total
  
$
3,961
    
$
4,088
  
The accumulated benefit obligation for the defined benefit pension plan was $19,833,000 and $18,603,000 at December 31, 2017 and 2016, respectively.
The components of net periodic benefit costs for the years ended December 31 are as follows (in thousands):
 
  
2017
    
2016
    
2015
  
 
                  
Service cost
  
$
349
    
$
345
    
$
352
  
Interest cost
    
671
      
692
      
424
  
Return on plan assets
    
(1,094
)
    
(1,034
)
    
(791
)
Net amortization and deferral
    
224
      
219
      
205
  
Net periodic benefit cost
  
$
150
    
$
222
    
$
190
  
The estimated net loss and prior service cost that will be amortized from accumulated other comprehensive loss into the net periodic benefit cost (income) in 2018 is $233,000 and $(48,000), respectively.
The weighted-average assumptions used to determine benefit obligations at December 31, 2017 and 2016 is summarized in the following table. The change in the discount rate is the primary driver of the actuarial loss that occurred in 2017 of $1,015,000.
 
90
 
 
 
2017
 
2016
Discount rate
 
3.35%
 
3.78%
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:
 
 
 
2017
 
2016
 
2015
Discount rate
 
3.78%
 
3.94%
 
3.61%
Expected long-term return on plan assets
 
7.00%
 
7.00%
 
7.00%
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, 2017, 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 2017 (in thousands):
2017
  
Level I
    
Level II
    
Level III
    
Total
    
Allocation
  
Assets
                              
     Cash and cash equivalents
  
$
3,827
    
$
-
    
$
-
    
$
3,827
      
19.1
%
     Equity Securities
    
6,018
      
-
      
-
      
6,018
      
30.1
%
     Mutual Funds and ETF's
    
6,090
      
-
      
-
      
6,090
      
30.5
%
     Corporate Bonds
    
-
      
3,469
      
-
      
3,469
      
17.4
%
     Municipal Bonds
            
105
              
105
      
0.5
%
     U.S. Agency Securities
    
-
      
483
      
-
      
483
      
2.4
%
     Certificate of deposit
    
-
      
-
      
-
      
-
      
0.0
%
     Total
  
$
15,935
    
$
4,057
    
$
-
    
$
19,992
      
100.0
%

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
%
Equity securities include the Company's common stock in the amounts of $684,000 (3.4% of total plan assets) and $548,000 (3.5% of total plan assets) at December 31, 2017 and 2016, respectively.
Due to the contributions made in 2017, the Bank does not expect to contribute to its pension plans in 2018.  Expected future benefit payments that the Bank estimates from its pension plan are as follows (in thousands):
2018
  
$
629
  
2019
    
1,896
  
2020
    
1,599
  
2021
    
1,421
  
2022
    
843
  
2023 - 2027
    
7,805
  
91
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 $388,000, $351,000 and $285,000 for 2017, 2016 and 2015, 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, 2017 and 2016, an obligation of $928,000 and $940,000, respectively, was included in other liabilities for this plan in the Consolidated Balance Sheet. Amounts included in interest expense on the deferred amounts totaled $19,000, $15,000 and $22,000 for the years ended December 31, 2017, 2016 and 2015, 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, 2017, 141,408 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 2017:
 
  
2017
  
 
        
Weighted
  
 
        
Average
  
 
  
Shares
    
Market Price
  
Outstanding, beginning of year
    
8,471
    
$
49.10
  
Granted
    
4,482
      
53.84
  
Forfeited
    
(43
)
    
48.56
  
Vested
    
(4,127
)
    
49.78
  
Outstanding, end of year
    
8,783
    
$
51.20
  
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 $214,000, $193,000 and $172,000 for the years ended December 31, 2017, 2016 and 2015, respectively. The per share weighted-average grant-date fair value of restricted shares granted during 2017, 2016 and 2015 was $53.84, $48.13 and $49.02, respectively.  At December 31, 2017, the total compensation cost related to nonvested awards that has not yet been recognized was $450,000, 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, 2017 and 2016, an obligation of $1,571,000 and $1,460,000, respectively, was included in other liabilities for the SERP in the Consolidated Balance Sheet.  Expenses related to the SERP totaled $111,000, $121,000 and $141,000 for the years ended December 31, 2017, 2016 and 2015.
92
Salary Continuation Plan
The Company maintains a salary continuation plan for certain employees acquired through the acquisition of the FNB.  At December 31, 2017 and 2016 an obligation of $716,000 and $720,000, respectively, was included in other liabilities for this plan in the Consolidated Balance Sheet.  Expenses related to the salary continuation plan totaled $54,000 and $62,000 for the years ended December 31, 2017 and 2016, respectively. There were no expenses related to this plan during the year ended December 31, 2015.
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 $578,000 and $569,000 at December 31, 2017 and 2016, respectively, which is included in other liabilities in the Consolidated Balance Sheet. Expenses for the plan total $9,000 during 2017. There were no expenses related to this plan during the years ended December 31, 2016 and 2015.
11. INCOME TAXES
The provision for income taxes consists of the following (in thousands):
 
  
Year Ended December 31,
  
 
  
2017
    
2016
    
2015
  
Currently payable
  
$
4,583
    
$
2,672
    
$
2,913
  
Change in corporate tax rate
    
1,531
      
-
      
-
  
Deferred tax
    
(83
)
    
362
      
(192
)
Provision for income taxes
  
$
6,031
    
$
3,034
    
$
2,721
  
The following temporary differences gave rise to the net deferred tax asset and liabilities at December 31, 2017 and 2016, respectively (in thousands):

93
 
 
  
2017
    
2016
  
Deferred tax assets:
            
    Allowance for loan losses
  
$
3,058
    
$
4,518
  
    Deferred compensation
    
464
      
757
  
    Merger & acquisition costs
    
7
      
16
  
    Allowance for losses on available-for-sale securities
    
6
      
250
  
    Pension and other retirement obligation
    
297
      
1,454
  
    Interest on non-accrual loans
    
917
      
1,259
  
    Incentive plan accruals
    
324
      
421
  
    Other real estate owned
    
108
      
152
  
    Unrealized losses on available-for-sale securities
    
71
      
-
  
    Low income housing tax credits
    
64
      
94
  
    NOL carry forward
    
339
      
709
  
    AMT Credit Carryforward
    
8
      
8
  
    Other
    
117
      
156
  
          Total
  
$
5,780
    
$
9,794
  
 
                
Deferred tax liabilities:
                
    Premises and equipment
  
$
(623
)
  
$
(998
)
    Investment securities accretion
    
(66
)
    
(189
)
    Loan fees and costs
    
(257
)
    
(369
)
    Goodwill and core deposit intangibles
    
(2,200
)
    
(3,573
)
    Mortgage servicing rights
    
(146
)
    
(233
)
    Unrealized gains on available-for-sale securities
    
-
      
(673
)
    Other
    
(7
)
    
(17
)
           Total
    
(3,299
)
    
(6,052
)
Deferred tax asset, net
  
$
2,481
    
$
3,742
  
No valuation allowance was established at December 31, 2017 and 2016, 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,
  
 
  
2017
    
2016
    
2015
  
Provision at statutory rates on
                  
  pre-tax income
  
$
6,505
    
$
5,328
    
$
4,878
  
Effect of tax-exempt income
    
(1,710
)
    
(1,943
)
    
(1,915
)
Low income housing tax credits
    
(141
)
    
(198
)
    
(198
)
Bank owned life insurance
    
(225
)
    
(234
)
    
(214
)
Nondeductible interest
    
54
      
55
      
61
  
Nondeductible merger and acquisition expenses
    
-
      
-
      
102
  
Change in tax rate
    
1,531
      
-
      
-
  
Other items
    
17
      
26
      
7
  
Provision for income taxes
  
$
6,031
    
$
3,034
    
$
2,721
  
Statutory tax rates
    
34
%
    
34
%
    
34
%
Effective tax rates
    
31.6
%
    
19.4
%
    
19.0
%
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 2013 have been closed for purposes of examination by the federal and state taxing authorities.
94
Investments in Qualified Affordable Housing Projects
As of December 31, 2017 and 2016, 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 $541,000 and $700,000 as of December 31, 2017 and 2016, respectively. Investments purchased prior to January 1, 2015, are accounted for utilizing the effective yield method. As of December 31, 2017, the Company has $705,000 of tax credits remaining that will be recognized over five years. Tax credits of $141,000, $198,000 and $198,000 were recognized as a reduction of tax expense during 2017, 2016 and 2015, respectively. Included within other expenses on the Consolidated Statement of Income was $159,000, $259,000 and $259,000 of amortization of the investments in qualified affordable housing projects for 2017, 2016 and 2015, respectively.
12. OTHER COMPREHENSIVE INCOME
The components of accumulated other comprehensive loss, net of tax, as of December 31, were as follows (in thousands):
 
  
2017
    
2016
  
Net unrealized gain on securities available for sale
  
$
(340
)
  
$
1,979
  
Tax effect
    
71
      
(673
)
Net -of-tax amount
    
(269
)
    
1,306
  
 
                
Unrecognized pension costs
    
(3,961
)
    
(4,088
)
Tax effect
    
832
      
1,390
  
Net -of-tax amount
    
(3,129
)
    
(2,698
)
 
                
Total accumulated other comprehensive income
  
$
(3,398
)
  
$
(1,392
)
The following tables present the changes in accumulated other comprehensive loss by component net of tax for the years ended December 31, 2017, 2016 and 2015 (in thousands):

95
 
 
  
Unrealized gain (loss) on available for sale securities (a)
    
Defined Benefit Pension Items (a)
    
Total
  
Balance as of December 31, 2014
  
$
3,093
    
$
(2,326
)
  
$
767
  
Other comprehensive income (loss) before reclassifications (net of tax)
    
(606
)
    
(249
)
    
(855
)
Amounts reclassified from accumulated other
                        
     comprehensive income (loss) (net of tax)
    
(283
)
    
135
      
(148
)
Net current period other comprehensive income (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 income (loss) before reclassifications (net of tax)
    
(730
)
    
(403
)
    
(1,133
)
Amounts reclassified from accumulated other
                        
     comprehensive income (loss) (net of tax)
    
(168
)
    
145
      
(23
)
Net current period other comprehensive income (loss)
    
(898
)
    
(258
)
    
(1,156
)
Balance as of December 31, 2016
  
$
1,306
    
$
(2,698
)
  
$
(1,392
)
 
                        
Balance as of December 31, 2016
  
$
1,306
    
$
(2,698
)
  
$
(1,392
)
Other comprehensive income (loss) before reclassifications (net of tax)
    
(847
)
    
(65
)
    
(912
)
Amounts reclassified from accumulated other
                        
     comprehensive income (loss) (net of tax)
    
(683
)
    
148
      
(535
)
Net current period other comprehensive income (loss)
    
(1,530
)
    
83
      
(1,447
)
Change in other comprehensive income due to change
                        
     in the federal tax rate
    
(45
)
    
(514
)
    
(559
)
Balance as of December 31, 2017
  
$
(269
)
  
$
(3,129
)
  
$
(3,398
)
 
                        
(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, 2017, 2016 and 2015:
Details about accumulated other comprehensive income (loss)
  
Amount reclassified from accumulated comprehensive income (loss) (a)
  
Affected line item in the Consolidated Statement of Income
 
  
December 31,
  
 
 
  
2017
    
2016
    
2015
  
 
Unrealized gains and losses on available for sale securities
                  
    
 
  
$
1,035
    
$
255
    
$
429
  
Investment securities gains, net
 
    
(352
)
    
(87
)
    
(146
)
Provision for income taxes
 
  
$
683
    
$
168
    
$
283
  
Net of tax
 
                        
     
Defined benefit pension items
                        
    
 
  
$
(224
)
  
$
(219
)
  
$
(205
)
Salaries and employee benefits
 
    
76
      
74
      
70
  
Provision for income taxes
 
  
$
(148
)
  
$
(145
)
  
$
(135
)
Net of tax
Total reclassifications
  
$
535
    
$
23
    
$
148
  
 
 
                        
     
(a) Amounts in parentheses indicate debits
                        
    
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, 2017 and 2016 with officers, directors, stockholders and associates of such persons is listed below (in thousands):
 
96
 
  
Year Ended December 31,
  
 
  
2017
    
2016
  
Balance, beginning of year
  
$
5,570
    
$
5,343
  
  New loans
    
4,161
      
4,512
  
  Repayments
    
(5,146
)
    
(4,285
)
Balance, end of year
  
$
4,585
    
$
5,570
  
14. REGULATORY MATTERS
Dividend Restrictions:
The approval of the Federal Reserve Board (FRB) is required for the Bank to pay dividends 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 2018 without approval of the FRB or Pennsylvania Department of Banking of approximately $12,397,000, plus the Bank's 2018 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, 2017, the Bank's regulatory lending limit amounted to approximately $19,287,000.
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, 2017 and 2016, 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, 2017 and 2016 (dollars in thousands):

97
 
 
  
Actual
    
For Capital Adequacy Purposes
    
To Be Well Capitalized Under Prompt
Corrective Action Provisions
  
2017
  
Amount
    
Ratio
    
Amount
    
Ratio
    
Amount
    
Ratio
  
Total Capital (to Risk Weighted Assets):
  
Company
  
$
128,578
      
13.20
%
  
$
77,906
      
8.00
%
  
$
97,383
      
10.00
%
Bank
  
$
122,469
      
12.58
%
  
$
77,852
      
8.00
%
  
$
97,315
      
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
  
Company
  
$
117,224
      
12.04
%
  
$
58,430
      
6.00
%
  
$
77,906
      
8.00
%
Bank
  
$
111,114
      
11.42
%
  
$
58,389
      
6.00
%
  
$
77,852
      
8.00
%
Common Equity Tier 1 Capital (to Risk Weighted Assets):
  
Company
  
$
109,724
      
11.27
%
  
$
43,822
      
4.50
%
  
$
63,299
      
6.50
%
Bank
  
$
111,114
      
11.42
%
  
$
43,792
      
4.50
%
  
$
63,255
      
6.50
%
Tier 1 Capital (to Average Assets):
  
Company
  
$
117,224
      
9.18
%
  
$
51,085
      
4.00
%
  
$
63,857
      
5.00
%
Bank
  
$
111,114
      
8.71
%
  
$
51,023
      
4.00
%
  
$
63,778
      
5.00
%

 
  
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
%
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, 2017 and 2016, are as follows (in thousands):

98
 
  
2017
    
2016
  
Commitments to extend credit
  
$
188,482
    
$
206,505
  
Standby letters of credit
    
15,244
      
14,955
  
 
  
$
203,726
    
$
221,460
  
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, 2017 was $9,335,000.  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, 2017 (in thousands):
2018
  
$
324
  
2019
    
327
  
2020
    
219
  
2021
    
171
  
2022
    
158
  
Thereafter
    
141
  
Total
  
$
1,340
  
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, 2017, 2016 and 2015 were $351,000, $289,000 and $175,000, respectively.
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:
 
99
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, 2017 and 2016 (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.
2017
  
Level I
    
Level II
    
Level III
    
Total
  
Fair value measurements on a recurring basis:
                        
Securities available for sale:
                        
     U.S. Agency securities
  
$
-
    
$
98,887
    
$
-
    
$
98,887
  
     U.S. Treasuries securities
    
28,604
      
-
      
-
      
28,604
  
     Obligations of state and
                                
       political subdivisions
    
-
      
79,090
      
-
      
79,090
  
     Corporate obligations
    
-
      
3,083
      
-
      
3,083
  
     Mortgage-backed securities in
                                
       government sponsored entities
    
-
      
45,027
      
-
      
45,027
  
     Equity securities in financial institutions
    
91
      
-
      
-
      
91
  

100
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
  

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 2017 and 2016 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, 2017 and 2016 (in thousands) are included in the table below:
 2017
  
Level I
    
Level II
    
Level III
    
Total
  
Impaired Loans
  
$
-
    
$
-
    
$
1,569
    
$
1,569
  
Other real estate owned
    
-
      
-
      
1,024
      
1,024
  
 
                                
 2016
  
Level I
    
Level II
    
Level III
    
Total
  
Impaired Loans
  
$
-
    
$
-
    
$
2,033
    
$
2,033
  
Other real estate owned
    
-
      
-
      
839
      
839
  
·
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 (dollars in thousands).
Quantitative Information about Level 3 Fair Value Measurements
  
2017
  
Fair Value
  
Valuation Technique(s)
Unobservable input
  
Range
    
Weighted average
  
Impaired Loans
  
$
1,569
  
Appraised Collateral Values
Discount for time since appraisal
    
0-100
%
    
30.83
%
 
        
   
Selling costs
    
5%-9
%
    
8.35
%
 
        
   
Holding period
  
6 - 12 months
    
11 months
  
 
        
 
 
                
Other real estate owned
  
$
1,024
  
Appraised Collateral Values
Discount for time since appraisal
    
15-65
%
    
26.26
%
 
        
 
 
                
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
%
The fair values of the Company's financial instruments are as follows (in thousands):
   
Carrying
                          
December 31, 2017
  
Amount
    
Fair Value
    
Level I
    
Level II
    
Level III
  
Financial assets:
                              
Cash and due from banks
  
$
18,517
    
$
18,517
    
$
18,517
    
$
-
    
$
-
  
Interest bearing time deposits with other banks
    
10,283
      
10,287
      
-
      
-
      
10,287
  
Available-for-sale securities
    
254,782
      
254,782
      
28,695
      
226,087
      
-
  
Loans held for sale
    
1,439
      
1,439
      
1,439
                  
Net loans
    
989,335
      
981,238
      
-
      
-
      
981,238
  
Bank owned life insurance
    
26,883
      
26,883
      
26,883
      
-
      
-
  
Regulatory stock
    
6,784
      
6,784
      
6,784
      
-
      
-
  
Accrued interest receivable
    
4,196
      
4,196
      
4,196
      
-
      
-
  
                                         
Financial liabilities:
                                        
Deposits
  
$
1,104,943
    
$
1,101,583
    
$
838,490
    
$
-
    
$
263,093
  
Borrowed funds
    
114,664
      
113,452
      
77,650
      
-
      
35,802
  
Accrued interest payable
    
897
      
897
      
897
      
-
      
-
  

102
   
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
      
-
          
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)
  
2017
    
2016
  
Assets:
            
  Cash
  
$
6,238
    
$
2,245
  
  Available-for-sale securities
    
91
      
2,735
  
  Investment in subsidiary:
                
    First Citizens Community Bank
    
130,402
      
125,973
  
  Other assets
    
369
      
564
  
Total assets
  
$
137,100
    
$
131,517
  
 
                
Liabilities:
                
  Other liabilities
  
$
589
    
$
749
  
  Borrowed funds
    
7,500
      
7,500
  
Total liabilities
    
8,089
      
8,249
  
Stockholders' equity
    
129,011
      
123,268
  
Total liabilities and stockholders' equity
  
$
137,100
    
$
131,517
  

CITIZENS FINANCIAL SERVICES, INC.
  
CONDENSED STATEMENT OF INCOME
  
 
  
Year Ended December 31,
  
(in thousands)
  
2017
    
2016
    
2015
  
Dividends from:
                  
  Bank subsidiary
  
$
7,507
    
$
5,842
    
$
5,582
  
  Equity securities
    
60
      
92
      
71
  
Total income
    
7,567
      
5,934
      
5,653
  
Realized securities gains
    
1,021
      
31
      
76
  
Expenses
    
824
      
463
      
892
  
Income before equity
                        
  in undistributed earnings
                        
  of subsidiary
    
7,764
      
5,502
      
4,837
  
Equity in undistributed
                        
  earnings - First Citizens Community Bank
    
5,261
      
7,136
      
6,789
  
Net income
  
$
13,025
    
$
12,638
    
$
11,626
  
Comprehensive income
  
$
11,578
    
$
11,482
    
$
10,623
  

105
 
CITIZENS FINANCIAL SERVICES, INC.
  
CONDENSED STATEMENT OF CASH FLOWS
  
 
  
Year Ended December 31,
  
(in thousands)
  
2017
    
2016
    
2015
  
Cash flows from operating activities:
                  
  Net income
  
$
13,025
    
$
12,638
    
$
11,626
  
  Adjustments to reconcile net income to net
                        
      cash provided by operating activities:
                        
        Equity in undistributed earnings of subsidiaries
    
(5,261
)
    
(7,136
)
    
(6,789
)
        Investment securities gains, net
    
(1,021
)
    
(31
)
    
(76
)
        Other, net
    
629
      
230
      
322
  
          Net cash provided by operating activities
    
7,372
      
5,701
      
5,083
  
Cash flows from investing activities:
                        
  Purchases of available-for-sale securities
    
(94
)
    
(1
)
    
(901
)
  Proceeds from the sale of available-for-sale securities
    
2,828
      
201
      
113
  
          Net cash provided by (used in) investing activities
    
2,734
      
200
      
(788
)
Cash flows from financing activities:
                        
  Cash dividends paid
    
(5,177
)
    
(5,081
)
    
(5,151
)
  Purchase of treasury stock
    
(979
)
    
(3,227
)
    
(2,455
)
  Reissuance of treasury stock to employee stock purchase plan
    
43
      
59
      
-
  
  Purchase of restricted stock
    
-
      
-
      
(7
)
          Net cash used in financing activities
    
(6,113
)
    
(8,249
)
    
(7,613
)
          Net decrease in cash
    
3,993
      
(2,348
)
    
(3,318
)
Cash at beginning of year
    
2,245
      
4,593
      
7,911
  
Cash at end of year
  
$
6,238
    
$
2,245
    
$
4,593
  
19. CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED)
The following table presents summarized quarterly financial data for 2017 and 2016:
(in thousands, except per share data)
        
Three Months Ended,
        
2017
  
Mar 31
    
June 30
    
Sep 30
    
Dec 31
  
Interest income
  
$
11,300
    
$
11,778
    
$
12,120
    
$
12,895
  
Interest expense
    
1,303
      
1,374
      
1,503
      
1,659
  
Net interest income
    
9,997
      
10,404
      
10,617
      
11,236
  
Provision for loan losses
    
615
      
625
      
500
      
800
  
Non-interest income
    
1,863
      
1,865
      
1,912
      
1,981
  
Investment securities gains, net
    
172
      
23
      
9
      
831
  
Non-interest expenses
    
7,191
      
7,166
      
7,247
      
7,710
  
Income before provision for income taxes
    
4,226
      
4,501
      
4,791
      
5,538
  
Provision for income taxes
    
923
      
1,033
      
1,141
      
2,934
  
Net income
  
$
3,303
    
$
3,468
    
$
3,650
    
$
2,604
  
Earnings Per Share Basic
  
$
0.94
    
$
1.00
    
$
1.05
    
$
0.75
  
Earnings Per Share Diluted
  
$
0.94
    
$
1.00
    
$
1.05
    
$
0.75
  

106
 
        
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
  
$
0.93
    
$
0.86
    
$
0.90
    
$
0.91
  
Earnings Per Share Diluted
  
$
0.93
    
$
0.86
    
$
0.90
    
$
0.91
  
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, 2017. 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, 2017, 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.
21. ACQUISITION OF STATE COLLEGE BRANCH
In the second quarter of 2017, the Company announced the signing of a purchase and assumption agreement to acquire the full service branch in State College of S&T Bank. The transaction closed on December 8, 2017, and the Bank paid consideration of $1,044,000, which was based on the average deposit balances for the 30 days prior to the branch merging into First Citizens Community Bank. The acquisition established the Company's presence in the Centre County, Pennsylvania market.
 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 S&T. The Bank also recorded an identifiable intangible asset representing the core deposit base of the branch based on management's evaluation of the cost of such deposits relative to alternative funding sources. 
 The business combination resulted in the acquisition of loans without evidence of credit quality deterioration. 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 the branch as of December 7, 2017: 
(In Thousands)
            
Purchase Price Consideration in cash
        
$
1,044
  
Net Assets Acquired for cash
              
Loans, interest, PP&E less deposits, interest and escrow payable
          
3,509
  
Total cash consideration
          
4,553
  
Net Assets Acquired for cash
  
$
3,509
          
Adjustments to reflect assets acquired at fair value:
                
Loans
                
Interest rate
    
(522
)
        
General credit
    
(740
)
        
Core deposit intangible
    
145
          
Adjustments to reflect liabilities acquired at fair value:
                
Time deposits
    
(46
)
        
Acquired net assets at fair value
            
2,346
  
Goodwill resulting from acquisition
          
$
2,207
  

109
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
        
$
4,553
  
Net assets acquired:
              
Cash and cash equivalents
  
$
154
          
Loans
    
39,847
          
Premises and equipment, net
    
86
          
Accrued interest receivable
    
74
          
Intangibles
    
145
          
Deposits
    
(37,880
)
        
Accrued interest payable
    
(29
)
        
Other liabilities
    
(51
)
        
 
            
2,346
  
Goodwill resulting from the branch acquisition
          
$
2,207
  
The Company recorded goodwill and other intangibles associated with the purchase of the branch totaling $2,352,000.  Goodwill is not amortized, but is periodically evaluated for impairment.  The Company did not recognize any impairment from December 8, 2017 to December 31, 2017. 
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 8, 2017 to December 31, 2017, no such adjustments were recorded.  The identifiable intangible assets consist of a core deposit intangible. See footnote 6 for additional information on the identifiable intangible assets.

110
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, 2017. 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, 2017, 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, 2017, 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 8, 2018
 

 
/s/ Mickey L. Jones
 By: Mickey L. Jones
Treasurer
 (Principal Financial & Accounting Officer)
Date: March 8, 2018

111
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


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

We have audited the accompanying consolidated balance sheet of Citizens Financial Services, Inc. and subsidiaries (the "Company") as of December 31, 2017 and 2016; 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, 2017; and the related notes to the consolidated financial statements (collectively, the "financial statements").  In our opinion, the financial statements present fairly, in all material respects, the financial position of the Company as of December 31, 2017 and 2016, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2017, conformity with accounting principles generally accepted in the United States of America.

We have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the Company's internal control over financial reporting as of December 31, 2017, 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 8, 2018, expressed an unqualified opinion on the effectiveness of the Company's internal control over financial reporting.

Basis for Opinion

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

We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.

We have served as the Company's auditor since 1994.

/s/S.R. Snodgrass, P.C.
 

Cranberry Township, Pennsylvania
March 8, 2018


112
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

 
To the Stockholders and Board of Directors of
Citizens Financial Services, Inc.
 
Opinion on Internal Control over Financial Reporting

We have audited Citizens Financial Services, Inc. and subsidiaries' (the "Company") internal control over financial reporting as of December 31, 2017, based on criteria established in Internal Control — Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission in 2013. In our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of December 31, 2017, based on criteria established in Internal Control — Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission in 2013. 

We have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the consolidated balance sheet of the Company as of December 31, 2017 and 2016, 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, 2017, of the Company and our report dated March 8, 2018, expressed an unqualified opinion.

Basis for Opinion

The Company'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 in the accompanying Management's Annual Report on Internal Control over Financial Reporting.  Our responsibility is to express an opinion on the Company's internal control over financial reporting based on our audit. We are a public accounting firm registered with the PCAOB and are required to be independent with respect to the Company in accordance with U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether 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.
 
Definition and Limitations of Internal Control over Financial Reporting

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 (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (2) 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 (3) 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.
 
 
/s/S.R. Snodgrass, P.C.
 
 
Cranberry Township, Pennsylvania
March 8, 2018
113
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, 2017 that have materially affected, or are reasonable likely to materially affect, the Company's internal control over financial reporting.

ITEM 9B – OTHER INFORMATION.
None.
114
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 2018 Annual Meeting of Stockholders (the "2018 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 2018 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 2018 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 2018 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 2018 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 2018 Proxy Statement.

115
(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 2018 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, 2017 about Company common stock that may be issued under the Company's 2017 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
  
141,408
             
Equity compensation plans not approved by security holders
  
n/a
  
n/a
  
n/a
             
Total
  
n/a
  
n/a
  
141,408

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 2018 Proxy Statement is incorporated by reference.
Director Independence
            For information regarding director independence, the section captioned "Corporate Governance – Director Independence" in the Company's 2018 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 2018 Proxy Statement is incorporated by reference.
116
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, 2017 and 2016
Consolidated Statement of Income for the Years Ended December 31, 2017, 2016 and 2015
Consolidated Statement of Comprehensive Income for the Years Ended December 31, 2017, 2016 and 2015
Consolidated Statement of Changes in Stockholders' Equity for the Years Ended December 31, 2017, 2016 and  2015
 Consolidated Statement of Cash Flows for the Years Ended December 31, 2017, 2016 and 2015
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.
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
117
 
 
   
   
   
   
   
   
   
 
101
  
The following materials from the Company's Annual Report on Form 10-K for the year ended December 31, 2017, 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 15, 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 10.5 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.
118
(12)                 Incorporated by reference to Exhibits 10.1 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.
(15)                 Incorporated by reference to Exhibit 99.1 to the Company's Form 8-K, as filed with the Commission on December 22, 2016.
(16)                 Incorporated by reference to Exhibit 10.1 to the Company's Form 8-K, as filed with the Commission on December 21, 2017.
 
ITEM 16 – FORM 10-K SUMMARY
Not Applicable.

119
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 8, 2018                                                                                                                              
 
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 8, 2018
/s/ Mickey L. Jones
Mickey L. Jones, Treasurer and Chief Financial Officer
(Principal Financial & Accounting Officer)
 
 March 8, 2018
/s/ R. Lowell Coolidge 
R. Lowell Coolidge, Director
 
 March 8, 2018
/s/ Rudolph J. van der Hiel 
Rudolph J. van der Hiel, Director
 
 March 8, 2018
/s/ Robert W. Chappell
Robert W. Chappell, Director
 
 March 8, 2018
/s/ R. Joseph Landy 
R. Joseph Landy, Director
 
 March 8, 2018
/s/ Roger C. Graham, Jr.
Roger C. Graham, Director
 
  March 8, 2018
 
/s/ E. Gene Kosa
E. Gene Kosa, Director
 
  March 8, 2018
 
/s/ Rinaldo A. DePaola
Rinaldo A. DePaola, Director
 
 March 8, 2018
/s/ Thomas E. Freeman
Thomas E. Freeman, Director
 
 March 8, 2018
/s/ Alletta M. Schadler 
Alletta M. Schadler, Director
 
  March 8, 2018
 
 /s/ David Z. Richards, Jr. 
David Z. Richards, Jr.,  Director
  March 8, 2018
 

120
 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 8, 2018, 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, 2017.


/s/ S.R. Snodgrass, P.C.
 
Cranberry Township, Pennsylvania
March 8, 2018
 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 8, 2018
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 8, 2018
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, 2017, 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 8, 2018 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, 2017 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 8, 2018 By:   /s/ Mickey L. Jones  
  Mickey L. Jones  
 
 
Chief Financial Officer
(Principal Financial Officer and
Principal Accounting Officer)
  
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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;">49</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;">83</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%; 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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: 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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;">(17</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;">&#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;">816</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: 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style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">77</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" 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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: 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style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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%; 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font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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> 15984000 0 23831000 0 23831000 0 0 2979000 2979000 336515000 168026000 42359000 0 37960000 229937000 0 47.5 21603000 4553000 0 0 2332000 2332000 0 4693000 51000 4693000 51000 154000 83514000 0 83514000 154000 86000 4743000 0 4743000 86000 -4399000 0 61911000 10770000 2346000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 12pt; margin-bottom: 6pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; text-align: left; line-height: 14pt;">20. ACQUISITION OF FNB</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 13.7pt; text-indent: 18pt;">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 $630 per share in cash and stock. 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font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.95pt;">3,961</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.95pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10.5pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.95pt;">4,088</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 style="font-size: 10pt; 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text-align: left; line-height: 11.4pt;">&#160;</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></tr><tr><td valign="bottom" style="width: 24%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">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;"><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;">349</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; 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font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: center; line-height: 11.4pt;">Level II</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="border-top: #000000 2px solid; 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;">Level III</div></td><td nowrap="nowrap" valign="bottom" style="border-top: #000000 2px solid; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="border-top: #000000 2px solid; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="border-top: #000000 2px solid; vertical-align: bottom; 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font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">107</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;">0.7</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: 40%; vertical-align: bottom; padding-bottom: 2px; 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font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">)</div></td></tr></table></div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; 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, 2017, 2016 and 2015 (in thousands):</div><div style="line-height: 11.4pt;">&#160;</div><div><table cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 80%;"><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><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; padding-bottom: 2px;">&#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 (loss) on available for sale securities (a)</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#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 Pension Items (a)</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; 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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: #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;">(2,326</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;">767</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: 64%; 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%; 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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: #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;">(855</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; 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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: 64%; 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%; 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line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; line-height: 11.4pt;">(1,003</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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: 64%; vertical-align: bottom; padding-bottom: 4px; 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, 2015</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; border-bottom: #000000 4px double; 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 4px double; text-align: right; background-color: #ffffff;"><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; 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%; 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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: #ffffff;"><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; padding-bottom: 4px; 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: 64%; 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: 64%; 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, 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;"><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;">2,204</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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(2,440</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</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;">(236</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: 64%; 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 income (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;">(730</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;">(403</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;">(1,133</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: 64%; 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: 64%; 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; padding-bottom: 2px; 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;">(168</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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;">145</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">(23</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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: 64%; 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 income (loss)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">(898</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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;">(258</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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;">(1,156</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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: 64%; 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, 2016</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; 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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">1,306</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</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;">(2,698</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; 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; 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;">(1,392</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; 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: 64%; 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;</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: 64%; 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, 2016</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;">1,306</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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(2,698</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</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;">(1,392</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: 64%; 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 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; font-weight: bold; color: #000000; line-height: 11.4pt;">(847</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;">(65</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;">(912</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: 64%; 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%; 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: 64%; 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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: 32%; 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;</div></td></tr><tr><td valign="bottom" style="width: 32%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Defined benefit pension items</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: 32%; 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;&#160;&#160;</div></td></tr><tr><td valign="bottom" style="width: 32%; 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;</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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; 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vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 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; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 32%; vertical-align: bottom; padding-bottom: 2px; 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></tr><tr><td valign="bottom" style="width: 32%; 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;</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; 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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: 32%; 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;&#160;&#160;</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 12pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; text-align: justify; line-height: 20pt;">18. 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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: 40%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Liabilities:</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; 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: 64%; 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;Cash dividends paid</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td></tr></table></div></div> 206505000 221460000 203726000 14955000 15244000 188482000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 12pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; text-align: justify; line-height: 20pt;">7. FEDERAL HOME LOAN BANK (FHLB) STOCK</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; text-align: justify; line-height: 14pt; text-indent: 18pt;">As a member of the FHLB of Pittsburgh, the Bank 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, 2017 and 2016, the Bank held $6,021,000 and $4,542,000, 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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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; 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; 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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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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: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; 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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;">263,093</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: 40%; 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;">Borrowed funds</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; 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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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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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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; 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;">-</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%; 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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; color: #000000; line-height: 11.4pt;">58,639</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; text-align: left; line-height: 11.4pt;">Other agricultural loans</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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color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">97,514</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; color: #000000; text-align: left; line-height: 11.4pt;">Total</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; 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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font-weight: bold; text-align: center; line-height: 11.4pt;">Performing</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#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; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#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; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#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; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 24%; 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: 24%; 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;">152,820</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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font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: center; line-height: 11.4pt;">Net carrying value </div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#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;">Gross carrying value </div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#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;">Accumulated amortization </div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#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;">Net carrying value </div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: middle;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Amortized intangible assets (1):</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle;">&#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: middle;">&#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: middle;">&#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: middle;">&#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: middle;">&#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: middle;">&#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: middle; 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;">MSRs</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;">1,605</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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(912</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</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;">693</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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">1,471</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</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;">(787</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;">684</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;">1,786</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; 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;">(586</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;">1,200</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;">(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; 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;">1,321</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; padding-bottom: 2px; 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; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">(65</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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;">60</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">(34</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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;">91</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; 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; text-indent: 40pt;">Total amortized intangible assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">3,516</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(1,563</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</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;">1,953</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">3,237</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</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;">(1,141</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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font-weight: bold; color: #000000; line-height: 11.4pt;">67</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;">4</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: 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;">7</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: 50%; 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; 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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;">-</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: 50%; 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;">Other commercial loans</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; 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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;">52</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: 50%; vertical-align: bottom; padding-bottom: 2px; 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 agricultural loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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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text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 50%; 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; 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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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">750</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</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;">59</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: 50%; 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: 50%; 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;">2016</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 50%; 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: 50%; 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; 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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 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">11</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></table></div></div> 5994000 900000 4197000 92000 8000 17693000 5742000 24398000 3347000 973000 3901000 57000 1363000 13864000 1653000 24000 45000 1347000 2642000 431000 125000 52000 859000 330000 2662000 57000 710000 618000 700000 6000 5683000 12874000 5715000 11567000 88000 3574000 67000 590000 3000 190000 59000 56000 900000 361000 2700000 4790000 8804000 5959000 0 0 22392000 1491000 37000 240000 4739000 5231000 10000 7958000 1055000 20127000 953000 3347000 1653000 1397000 16363000 92000 57000 28887000 6159000 19056000 14347000 15672000 3920000 5538000 4791000 3960000 4226000 4501000 3718000 4074000 <div style="font-family: 'Times New Roman'; 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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></tr><tr><td valign="bottom" style="width: 76%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Deferred tax liabilities:</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></tr><tr><td valign="bottom" style="width: 76%; 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;&#160;&#160;Premises and equipment</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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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;">(998</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: 76%; 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;Investment securities 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; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">(66</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; 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; line-height: 11.4pt;">(189</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; 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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;">&#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;">(369</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: 76%; 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;Goodwill and core deposit intangibles</div></td><td valign="bottom" style="width: 1%; 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font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">(3,573</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: 76%; 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;&#160;&#160;Mortgage servicing rights</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;">(146</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; line-height: 11.4pt;">(233</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: 76%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; 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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%; 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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></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; 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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;">(421</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;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">16,928</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</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;">(172</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;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">91,880</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</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;">(593</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;">U.S. Treasuries</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; 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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; 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><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;">28,604</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;">(178</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; 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; 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: #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; 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;political subdivisions</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;">14,885</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; font-weight: bold; line-height: 11.4pt;">5,958</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; font-weight: bold; line-height: 11.4pt;">(54</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; 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%; 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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><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; font-weight: bold; text-align: left; line-height: 11.4pt;">&#160;&#160;&#160;&#160;&#160;government sponsored entities</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;">27,154</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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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; 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text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">50,947</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</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;">(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; 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; 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;">-</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;">50,947</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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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;">&#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: 24%; vertical-align: bottom; padding-bottom: 2px;"><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; padding-bottom: 2px;">&#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; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; 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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; 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;">254,691</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> 17456000 12504000 16410000 219000 205000 224000 289000 175000 351000 1361886000 1223018000 137100000 131517000 1099750000 1232875000 8089000 8249000 0 5146000 4285000 11190000 8886000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; font-style: italic; text-align: left; line-height: 20pt;">Allowance for Loan Losses</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; text-align: justify; 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. 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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; 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margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; text-align: justify; 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> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; font-style: italic; text-align: left; line-height: 20pt;">Foreclosed Assets Held For Sale</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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, as 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> 989335000 790725000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; font-style: italic; text-align: left; line-height: 11.4pt;">Loan Charge-off Policies</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; text-align: justify; 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> 1000525000 97514000 104737000 11005000 123624000 58639000 252577000 9944000 72013000 23388000 799611000 13502000 207423000 308084000 214479000 239957000 37809000 25441000 60134000 148730000 58693000 154345000 5570000 5343000 4585000 1827000 1439000 0 1827000 1827000 0 1439000 1439000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; font-style: italic; text-align: justify; line-height: 11.4pt;">Troubled Debt Restructurings</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; text-align: justify; 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). 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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; color: #000000; line-height: 11.4pt;">1,363</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;">36,446</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: 40%; 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;">State and political subdivision loans</div></td><td valign="bottom" style="width: 1%; 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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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; 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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; font-weight: bold; color: #000000; line-height: 11.4pt;">973,489</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: 40%; 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;">Allowance for loan losses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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%; 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padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">10,780</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; 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; 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; 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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;">23,988</div></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; 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; 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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><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: 40%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">2016</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #ffffff;"><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: #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: 40%; 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;&#160;&#160;&#160;Residential</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: #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;">25,441</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: 40%; 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line-height: 11.4pt;">&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#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;">December 31, 2017</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#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;">December 31, 2016</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 24%; 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line-height: 11.4pt;">Balance at end of period</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; 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;">106</div></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%; 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font-weight: bold; color: #000000; text-align: center; line-height: 11.4pt;">Recorded</div></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="vertical-align: bottom;"><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;">&#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; color: #000000; text-align: center; line-height: 11.4pt;">Unpaid</div></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;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: center; line-height: 11.4pt;">Investment</div></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;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: center; line-height: 11.4pt;">Investment</div></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;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; text-align: center; line-height: 11.4pt;">Total</div></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; text-align: left; line-height: 11.4pt;">&#160;</div></td><td valign="bottom" style="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; color: #000000; text-align: center; line-height: 11.4pt;">Principal</div></td><td nowrap="nowrap" valign="bottom" style="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%; 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: 40%; 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;<font style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; 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background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; 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: 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: 40%; 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%; 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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;">5,697</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;">45</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: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">5,135</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;">859</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: #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: 50%; 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;">2016</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; 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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: 50%; 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; 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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;">13</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></tr><tr><td valign="bottom" style="width: 50%; 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;&#160;&#160;&#160;Home 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; 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;">59</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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text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">17</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></tr><tr><td valign="bottom" style="width: 50%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; 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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;">5,715</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;">87</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</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: 50%; 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; padding-bottom: 2px; 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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; color: #000000; line-height: 11.4pt;">97,514</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; color: #000000; text-align: left; line-height: 11.4pt;">Total</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; border-bottom: #000000 4px double; 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font-weight: bold; text-align: center; line-height: 11.4pt;">Performing</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#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; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px;">&#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%; 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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: 24%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; 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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></tr><tr><td valign="bottom" style="width: 24%; 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;">2016</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">Performing</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: 6.99%; 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: 6.99%; 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: 6.99%; 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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: 6.99%; 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;">12,204</div></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; 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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: 6.99%; 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;">985,683</div></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; 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vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6.99%; 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: 6.99%; 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: 6.99%; 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: 6.99%; 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: 6.99%; 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; 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: 6.99%; 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: 6.99%; vertical-align: bottom; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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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;">25</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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</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;">25</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;Commercial</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;">7,021</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;">7,021</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;">&#160;&#160;&#160;&#160;&#160;Agricultural</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;">4</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;">1,475</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;">1,475</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;">Other commercial loans</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;">1</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;">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: 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;">9</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; padding-bottom: 2px; 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 agricultural loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">161</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">161</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; 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; 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;">&#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;">-</div></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;">&#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;">12</div></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; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</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;">8,691</div></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; 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;">-</div></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%; 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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; line-height: 11.4pt;">1,558</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; line-height: 11.4pt;">1,558</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;"><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%; 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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; 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; 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;">-</div></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; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">7,778</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</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;">-</div></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; 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;">7,778</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: 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; 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>2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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%; 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; 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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;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; 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text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">71</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</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; line-height: 11.4pt;">19</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; color: #000000; text-align: left; line-height: 11.4pt;">Total</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%; 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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;">23</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; 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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;">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; 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%; 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font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">326</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;">1,001</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; 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; color: #000000; line-height: 11.4pt;">190</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;">312</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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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; 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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;">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; 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; 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;">833</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; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; 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vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; 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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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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: #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;">122</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%; 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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;">49</div></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; 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line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; 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 portfolio segments:</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; text-align: justify; line-height: 14pt;">2017</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; text-align: left; line-height: 14pt; text-indent: 18pt;">Residential - There was an increase in the historical loss factor for residential loans when comparing 2016 and 2017. The specific reserve for residential loans increased slightly between 2016 and 2017.&#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.&#160; The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for residential loan categories due to an decrease in the unemployment rates in the local economy during 2017.</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; 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 2016 and 2017. The specific reserve for commercial real estate loans increased slightly between 2016 and 2017. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for all commercial real estate loans due to an decrease in the unemployment rates in the local economy during 2017. The qualitative factors for changes in the levels of and trends in delinquencies, impaired and classified loans was decreased due to a lower amount of substandard loans.</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt; text-indent: 18pt;">Agricultural real estate &#8211; There was an increase in the historical loss factor for agricultural real estate loans from 2016 to 2017.&#160; The specific reserve for agricultural real estate loans decreased from 2016 to 2017. 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 classified loans.&#160; 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 the unemployment rates in the local economy during 2017. The qualitative factors for existence of credit concentrations and changes in the level of concentrations were increased for agricultural real estate loans due to growth in these loan categories.</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt; text-indent: 18pt;">Other commercial - There was a decrease in the historical loss factor for other commercial loans when comparing 2016 and 2017. The specific reserve for other commercial loans decreased from 2016 to 2017. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was decreased due to the decrease in non-accrual loans and past due loans.&#160; The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for other commercial loans due to an decrease in the unemployment rates in the local economy during 2017. The qualitative factors for existence of credit concentrations and changes in the level of concentrations were decreased for other commercial loans due to limited organic growth in these loan categories.</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt; text-indent: 18pt;">Other agricultural - There was an increase in the historical loss factor for other agricultural loans from 2016 to 2017.&#160; The specific reserve for other agricultural loans decreased slightly from 2016 to 2017. 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 substandard loans. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for other agricultural loan categories due to a decrease in the unemployment rates in the local economy during 2017. The qualitative factors for existence of credit concentrations and changes in the level of concentrations were increased for other agricultural loans due to growth in these loan categories.</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt; text-indent: 18pt;">Municipal loans - There was no change in the historical loss factor or specific reserve for municipal loans from 2016 to 2017. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for municipal loans due to a decrease in the unemployment rates in the local economy during 2017.</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; text-align: justify; line-height: 14pt;">2016</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; 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="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; 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="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; 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="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; 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="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; 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="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt; text-indent: 18pt;">Municipal loans - There was no change in the historical loss factor or the 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. 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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="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; 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="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; 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="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: left; 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; text-align: left; 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. 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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. 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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; This Update is not expected to have a significant impact on the Company's consolidated financial statements.</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">In January 2016, the FASB issued ASU 2016-01, </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Financial Instruments &#8211; Overall (Subtopic 825-10):&#160; Recognition and Measurement of Financial Assets and Financial Liabilities</font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">.&#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 th</font>e amendments in this Update earlier as of the fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. Upon adoption on January 1, 2018, the Company made a one-time cumulative effect adjustment from accumulated other comprehensive income to retained earnings of $1,000.&#160; The net effect was a decrease to retained earnings.</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; 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; 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.</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; 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="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; 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). 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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="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; 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. 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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="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; 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>, 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. <font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">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="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; 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="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; 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="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">In January 2017, the FASB issued ASU 2017-01, </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Business Combinations (Topic 805), Clarifying the Definition of a Business</font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;"> "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 </font>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; This Update is not expected to have a significant impact on the Company's financial statements. </div><div style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">In January 2017, the FASB issued ASU 2017-04, </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Simplifying the Test for Goodwill Impairment</font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">. To simplify the subsequent measurement of goodwill, the FASB eliminated Step 2 from the goodwill impairment test.&#160; In computing the implied fair value of goodwill under Step 2, an entity had to perform procedures to determine the fair value at the impairment testing date of its assets and liabilities (including unrecognized assets and liabilities) following the procedure that would be required in determining the fair value of assets acquired and liabilities assumed in a business combination.&#160; Instead, under the amendments in this Update, an entity should perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting units fair value; however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit.&#160; A public business entity that is a U.S. Securities and Exchange Commission (SEC) filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. A public business entity that is not an SEC filer should adopt the amendments in this Update for its annual or any interim goodwill impairment </font>tests in fiscal years beginning after December 15, 2020.&#160; All other entities, including not-for-profit entities, that are adopting the amendments in this Update should do so for their annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2021. This Update is not expected to have a significant impact on the Company's financial statements.</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;">In March 2017, the FASB issued ASU 2017-07, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Compensation&#8212;Retirement Benefits (Topic 715)</font>. The amendments in this Update require that an employer report the service cost component in the same line item or items as other compensation costs arising from services rendered by the pertinent employees during the period.&#160; The other components of net benefit cost as defined in paragraphs 715-30-35-4 and 715-60-35-9 are required to be presented in the income statement separately from the service cost component and outside a subtotal of income from operations, if one is presented. If a separate line item or items are used to present the other components of net benefit cost, that line item or items must be appropriately described. If a separate line item or items are not used, the line item or items used in the income statement to present the other components of net benefit cost must be disclosed.&#160; The amendments in this Update are effective for public business entities for annual periods beginning after December 15, 2017, including interim periods within those annual periods. For other entities, the amendments in this Update are effective for 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 retrospectively for the presentation of the service cost component and the other components of net periodic pension cost and net periodic postretirement benefit cost in the income statement and prospectively, on and after the effective date, for the capitalization of the service cost component of net periodic pension cost and net periodic postretirement benefit in assets. This Update is not expected to have a significant impact on the Company's financial statements. </div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;">In March 2017, the FASB issued ASU 2017-08, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Receivables &#8211; Nonrefundable Fees and Other Costs (Subtopic 310-20).</font> The amendments in this Update shorten the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity.&#160; For public business entities, the amendments in this Update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018.&#160; For all other entities, the amendments are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020.&#160; Early adoption is permitted, including adoption in an interim period.&#160; 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; An entity should apply the amendments in this Update on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosures about a change in accounting principle.&#160; This Update is not expected to have a significant impact on the Company's financial statements. </div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;">In July 2017, the FASB issued ASU 2017-11, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Earnings Per Share (Topic 260), Distinguishing Liabilities from Equity (Topic 480), and Derivative and Hedging (Topic 815)</font>. The amendments in Part I of this Update change the classification analysis of certain equity-linked financial instruments (or embedded features) with down-round features. When determining whether certain financial instruments should be classified as liabilities or equity instruments, a down-round feature no longer precludes equity classification when assessing whether the instrument is indexed to an entity's own stock. The amendments also clarify existing disclosure requirements for equity-classified instruments. As a result, a freestanding equity-linked financial instrument (or embedded conversion option) no longer would be accounted for as a derivative liability at fair value as a result of the existence of a down-round feature. For freestanding equity classified financial instruments, the amendments require entities that present earnings per share (EPS) in accordance with Topic 260 to recognize the effect of the down-round feature when it is triggered. That effect is treated as a dividend and as a reduction of income available to common shareholders in basic EPS. Convertible instruments with embedded conversion options that have down- round features are now subject to the specialized guidance for contingent beneficial conversion features (in Subtopic 470-20, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Debt&#8212;Debt with Conversion and Other Options</font>), including related EPS guidance (in Topic 260). The amendments in Part II of this Update recharacterize the indefinite deferral of certain provisions of Topic 480 that now are presented as pending content in the Accounting Standards Codification, to a scope exception. Those amendments do not have an accounting effect. For public business entities, the amendments in Part I of this Update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. For all other entities, the amendments in Part I of this Update are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. Early adoption is permitted for all entities, 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 Part I of this Update should be applied either retrospectively to outstanding financial instruments with a down-round feature by means of a cumulative-effect adjustment to the statement of financial position as of the beginning of the first fiscal year and interim period(s) in which the pending content that links to this paragraph is effective or retrospectively to outstanding financial instruments with a down-round feature for each prior reporting period presented in accordance with the guidance on accounting changes in paragraphs 250-10-45-5 through 45-10. 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Early application is permitted in any period after issuance.&#160; For cash flow and net investment hedges existing at the date of adoption, an entity should apply a cumulative-effect adjustment related to eliminating the separate measurement of ineffectiveness to accumulated other comprehensive income with a corresponding adjustment to the opening balance of retained earnings as of the beginning of the fiscal year that an entity adopts the amendments in this Update. The amended presentation and disclosure guidance is required only prospectively. 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Total rental expense for all operating leases for the years ended December 31, 2017, 2016 and 2015 were $351,000, $289,000 and $175,000, respectively.</div></div> 324000 158000 171000 219000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 12pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; text-align: justify; line-height: 20pt;">1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</div><div style="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; font-style: italic; text-align: left; line-height: 20pt;">Business and Organization</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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).&#160; On December 8, 2017, the Bank completed its acquisition of the S&amp;T branch in State College (State College). As of December 31, 2017, the Bank operates twenty six full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill and Centre counties, Pennsylvania and Allegany County, New York, and a limited branch office in both Union and Lancaster counties, 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; font-style: italic; text-align: left; line-height: 20pt;">Basis of Presentation</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; font-style: italic; text-align: left; line-height: 20pt;">Use of Estimates</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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, pension plans and deferred tax assets and liabilities.</div><div style="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; font-style: italic; text-align: left; line-height: 20pt;">Operating Segments</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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, services and regions, 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.</div><div style="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; font-style: italic; text-align: justify; line-height: 14pt;">Cash and Cash Equivalents</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; font-style: italic; text-align: left; line-height: 20pt;">Investment Securities</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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, 2017 and 2016.</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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, 2017 and 2016.</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; text-align: justify; 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; font-style: italic; text-align: left; line-height: 20pt;">Loans Held for Sale</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; font-style: italic; text-align: left; line-height: 20pt;">Loans</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; font-style: italic; text-align: left; line-height: 20pt;">Allowance for Loan Losses</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; text-align: justify; 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. 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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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; text-align: justify; 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; font-style: italic; text-align: left; line-height: 11.4pt;">Loan Charge-off Policies</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; text-align: justify; 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; font-style: italic; text-align: justify; line-height: 11.4pt;">Troubled Debt Restructurings</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; text-align: justify; 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: 10pt; font-family: Arial, sans-serif; margin-top: 9pt; font-weight: bold; font-style: italic; text-align: left; line-height: 11.4pt;">Purchased Credit Impaired Loans</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; text-align: justify; line-height: 14pt; text-indent: 18pt;">The Company purchased loans in connection with its acquisition of FNB in 2015 and its acquisition of the State College branch&#160; in 2017, 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; text-align: justify; 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; text-align: justify; 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="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; font-style: italic; text-align: left; line-height: 20pt;">Foreclosed Assets Held For Sale</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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, as 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="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; font-style: italic; text-align: left; line-height: 20pt;">Premises and Equipment</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; font-style: italic; text-align: left; line-height: 20pt;">Intangible Assets</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; line-height: 14pt; text-indent: 18pt;">Intangible assets, other than goodwill, 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. 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Based on the fair value of the reporting unit, no impairment of goodwill was recognized in 2017, 2016 or 2015.</div><div style="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; font-style: italic; text-align: left; line-height: 20pt;">Bank Owned Life Insurance</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; text-align: justify; 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 of $578,000 and $569,000 under split-dollar benefit agreements to former employees and directors or their beneficiaries have been recognized as liabilities on the consolidated balance sheet.at December 31, 2017 and 2016.</font></div><div style="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; font-style: italic; text-align: left; line-height: 20pt;">Income Taxes</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; text-align: justify; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">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. </font>The Tax Cuts and Jobs Act, enacted on December 22, 2017, lowered the federal corporate income tax rate from 34% to 21% effective January 1, 2018. As a result, the carrying value of net deferred tax assets was reduced which increased income tax expense by $1,531,000.</div><div style="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; font-style: italic; text-align: left; line-height: 20pt;">Employee Benefit Plans</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; 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. 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This accounting standard allows Companies to reclassify the "stranded" tax effect in accumulated other comprehensive income that resulted from the U.S. federal government enacted a tax bill, H.R.1, An Act to Provide for Reconciliation Pursuant to Titles II and V of the Concurrent Resolution on the Budget for Fiscal Year 2018 (Tax Cuts and Jobs Act), which requires deferred tax liabilities and assets to be adjusted for the effect of a change in tax laws.</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; text-align: justify; line-height: 14pt; text-indent: 18pt;">The Company has elected to early-adopt this accounting standard, which provides a benefit to the financial statements by more accurately aligning the impacts of the items carried in accumulated other comprehensive income with the associate tax effect.&#160; The adoption was applied on a modified retrospective and resulted in a one-time cumulative effect adjustment of $559,000 between Retained Earnings and Accumulated Other Comprehensive Income on the Consolidated Balance Sheet as of the beginning of the current period.&#160; The adjustment had no impact on Net Income or any prior periods presented.</div><div style="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; font-style: italic; text-align: left; line-height: 20pt;">Recent Accounting Pronouncements</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; 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 i</font>nterim periods within that reporting period.&#160; Since the guidance scopes out revenue associated with financial instruments, including loan receivables and investment securities,&#160;we do not expect the adoption of 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 revenue is 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.</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; 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; This Update is not expected to have a significant impact on the Company's consolidated financial statements.</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">In January 2016, the FASB issued ASU 2016-01, </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Financial Instruments &#8211; Overall (Subtopic 825-10):&#160; Recognition and Measurement of Financial Assets and Financial Liabilities</font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">.&#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 th</font>e amendments in this Update earlier as of the fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. 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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. 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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="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; 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. 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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. 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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. <font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">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="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; 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="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; 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="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">In January 2017, the FASB issued ASU 2017-01, </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Business Combinations (Topic 805), Clarifying the Definition of a Business</font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;"> "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 </font>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; This Update is not expected to have a significant impact on the Company's financial statements. </div><div style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; line-height: 14pt; text-indent: 18pt;"><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">In January 2017, the FASB issued ASU 2017-04, </font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; font-style: italic;">Simplifying the Test for Goodwill Impairment</font><font style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000;">. 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An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting units fair value; however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit.&#160; A public business entity that is a U.S. Securities and Exchange Commission (SEC) filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. A public business entity that is not an SEC filer should adopt the amendments in this Update for its annual or any interim goodwill impairment </font>tests in fiscal years beginning after December 15, 2020.&#160; All other entities, including not-for-profit entities, that are adopting the amendments in this Update should do so for their annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2021. This Update is not expected to have a significant impact on the Company's financial statements.</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;">In March 2017, the FASB issued ASU 2017-07, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Compensation&#8212;Retirement Benefits (Topic 715)</font>. The amendments in this Update require that an employer report the service cost component in the same line item or items as other compensation costs arising from services rendered by the pertinent employees during the period.&#160; The other components of net benefit cost as defined in paragraphs 715-30-35-4 and 715-60-35-9 are required to be presented in the income statement separately from the service cost component and outside a subtotal of income from operations, if one is presented. If a separate line item or items are used to present the other components of net benefit cost, that line item or items must be appropriately described. If a separate line item or items are not used, the line item or items used in the income statement to present the other components of net benefit cost must be disclosed.&#160; The amendments in this Update are effective for public business entities for annual periods beginning after December 15, 2017, including interim periods within those annual periods. For other entities, the amendments in this Update are effective for 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 retrospectively for the presentation of the service cost component and the other components of net periodic pension cost and net periodic postretirement benefit cost in the income statement and prospectively, on and after the effective date, for the capitalization of the service cost component of net periodic pension cost and net periodic postretirement benefit in assets. This Update is not expected to have a significant impact on the Company's financial statements. </div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;">In March 2017, the FASB issued ASU 2017-08, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Receivables &#8211; Nonrefundable Fees and Other Costs (Subtopic 310-20).</font> The amendments in this Update shorten the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity.&#160; For public business entities, the amendments in this Update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018.&#160; For all other entities, the amendments are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020.&#160; Early adoption is permitted, including adoption in an interim period.&#160; 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; An entity should apply the amendments in this Update on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosures about a change in accounting principle.&#160; This Update is not expected to have a significant impact on the Company's financial statements. </div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 14pt; text-indent: 18pt;">In July 2017, the FASB issued ASU 2017-11, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Earnings Per Share (Topic 260), Distinguishing Liabilities from Equity (Topic 480), and Derivative and Hedging (Topic 815)</font>. The amendments in Part I of this Update change the classification analysis of certain equity-linked financial instruments (or embedded features) with down-round features. When determining whether certain financial instruments should be classified as liabilities or equity instruments, a down-round feature no longer precludes equity classification when assessing whether the instrument is indexed to an entity's own stock. The amendments also clarify existing disclosure requirements for equity-classified instruments. As a result, a freestanding equity-linked financial instrument (or embedded conversion option) no longer would be accounted for as a derivative liability at fair value as a result of the existence of a down-round feature. For freestanding equity classified financial instruments, the amendments require entities that present earnings per share (EPS) in accordance with Topic 260 to recognize the effect of the down-round feature when it is triggered. That effect is treated as a dividend and as a reduction of income available to common shareholders in basic EPS. Convertible instruments with embedded conversion options that have down- round features are now subject to the specialized guidance for contingent beneficial conversion features (in Subtopic 470-20, <font style="font-size: 10pt; font-family: Arial, sans-serif; font-style: italic;">Debt&#8212;Debt with Conversion and Other Options</font>), including related EPS guidance (in Topic 260). The amendments in Part II of this Update recharacterize the indefinite deferral of certain provisions of Topic 480 that now are presented as pending content in the Accounting Standards Codification, to a scope exception. Those amendments do not have an accounting effect. For public business entities, the amendments in Part I of this Update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. For all other entities, the amendments in Part I of this Update are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. Early adoption is permitted for all entities, 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 Part I of this Update should be applied either retrospectively to outstanding financial instruments with a down-round feature by means of a cumulative-effect adjustment to the statement of financial position as of the beginning of the first fiscal year and interim period(s) in which the pending content that links to this paragraph is effective or retrospectively to outstanding financial instruments with a down-round feature for each prior reporting period presented in accordance with the guidance on accounting changes in paragraphs 250-10-45-5 through 45-10. 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Early application is permitted in any period after issuance.&#160; For cash flow and net investment hedges existing at the date of adoption, an entity should apply a cumulative-effect adjustment related to eliminating the separate measurement of ineffectiveness to accumulated other comprehensive income with a corresponding adjustment to the opening balance of retained earnings as of the beginning of the fiscal year that an entity adopts the amendments in this Update. The amended presentation and disclosure guidance is required only prospectively. 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text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;"><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; 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; 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;">13,025,000</div></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; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">12,638,000</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</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;">11,626,000</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><tr><td valign="bottom" style="width: 40%; 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;">Weighted average common shares outstanding</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; 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;">3,481,366</div></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;">&#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;">3,507,497</div></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;">&#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;">3,229,470</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: 40%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;"><div style="font-size: 10pt; 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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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">3.60</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</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;">3.60</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><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Courier New', monospace; text-align: left; line-height: 11.4pt;">&#160;</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: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Diluted earnings per share computation:</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: 40%; 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; 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; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">13,025,000</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</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;">12,638,000</div></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; 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; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Courier New', monospace; 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: 40%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Weighted average common shares outstanding for basic earnings per share</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;">3,481,366</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;">3,507,497</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; 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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;">Weighted average common shares outstanding for dilutive earnings per share</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; 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;">3,483,090</div></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;">&#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;">3,509,053</div></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;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; 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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: 6.99%; 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: 6.99%; 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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border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6.99%; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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: 6.99%; 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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line-height: 11.4pt;">&#160;</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: 6.99%; 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: 6.99%; 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: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6.99%; 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: 6.99%; 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: 6.99%; 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%; 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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;"><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: 6.99%; 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;">8,160</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: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">23,306</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: 6.99%; 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%; 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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: 6.99%; 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: 6.99%; 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: 6.99%; 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: 6.99%; 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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font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">799,611</div></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: 6.99%; 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;">405</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; 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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: 6.99%; 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: 6.99%; 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: 6.99%; 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: 6.99%; 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: 6.99%; 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; 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: 6.99%; 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;">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; 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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; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6.99%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">10,729</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6.99%; 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;">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; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6.99%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</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;">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;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left;">&#160;</td><td valign="bottom" style="width: 6.99%; vertical-align: bottom; text-align: right;">&#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; 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;">Loans still accruing</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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: 6.99%; 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;">2,852</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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: 6.99%; 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;">147</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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: 6.99%; 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;">405</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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: 6.99%; 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;">3,404</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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: 6.99%; 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;">781,386</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; 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color: #000000; line-height: 11.4pt;">788,157</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 6.99%; vertical-align: bottom; padding-bottom: 2px; text-align: right; background-color: #ffffff;">&#160;</td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; 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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; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6.99%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">252</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 6.99%; 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;">10,857</div></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: 6.99%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; 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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; line-height: 11.4pt;">16</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">5</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 24%; 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;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">29,226</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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text-indent: 18pt;">&#160;</div><div style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; line-height: 14pt; text-indent: 18pt;">Depreciation expense amounted to $776,000, $763,000 and $608,000 for 2017, 2016 and 2015, respectively.</div></div> P3Y P15Y P40Y P5Y 2540000 1520000 480000 27000 1085000 93000 -42000 244000 -24000 83000 308000 -2000 -294000 -17000 -71000 -166000 215000 1679000 190000 -95000 32000 204000 240000 23000 166000 306000 32000 184000 48000 92000 625000 135000 500000 500000 615000 750000 135000 800000 <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 12pt; margin-bottom: 6pt; font-family: Arial, sans-serif; margin-top: 6pt; font-weight: bold; color: #000000; text-align: left; line-height: 14pt;">19. 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vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</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;">1.05</div></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; 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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;">10,462</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;">10,426</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%; 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vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">27</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;">128</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; text-align: left; line-height: 11.4pt;">&#160;</div></td></tr><tr><td valign="bottom" style="width: 32%; 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;</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: 32%; 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;</div></td></tr><tr><td valign="bottom" style="width: 32%; 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;">(a) Amounts in parentheses indicate debits</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: 32%; 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;&#160;&#160;</div></td></tr></table></div></div> <div style="font-family: 'Times New Roman'; font-size: 10pt;"><div style="font-size: 12pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; text-align: justify; line-height: 20pt;">14. REGULATORY MATTERS</div><div style="font-size: 11pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; font-weight: bold; color: #000000; font-style: italic; text-align: left; line-height: 20pt;">Dividend Restrictions:</div><div style="font-size: 10pt; margin-bottom: 5pt; font-family: Arial, sans-serif; margin-top: 5pt; color: #000000; text-align: justify; line-height: 14pt; text-indent: 18pt;">The approval of the Federal Reserve Board (FRB) is required for the Bank to pay dividends 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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font-family: Arial, sans-serif; color: #000000; text-align: justify; line-height: 14pt; text-indent: 18pt;">The Company and Bank's computed risk&#8209;based capital ratios are as follows as of December 31, 2017 and 2016 (dollars in thousands):</div><div style="font-size: 10pt; font-family: Arial, sans-serif; color: #000000; text-align: justify; line-height: 14pt; text-indent: 18pt;">&#160;</div><div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="vertical-align: middle;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #252525; text-align: center; line-height: 11.4pt;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #252525; text-align: center; line-height: 11.4pt;">Actual</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; 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padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #252525; text-align: left; line-height: 11.4pt;">2017</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #252525; text-align: center; line-height: 11.4pt;">Amount</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#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: #252525; text-align: center; line-height: 11.4pt;">Ratio</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #252525; text-align: center; line-height: 11.4pt;">Amount</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #252525; text-align: center; line-height: 11.4pt;">Ratio</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle; 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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;">13.20</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;"><div style="font-size: 10pt; 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font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">97,315</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;">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; font-weight: bold; line-height: 11.4pt;">%</div></td></tr><tr><td colspan="24" valign="bottom" style="vertical-align: middle; 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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;">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; 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; font-weight: bold; color: #252525; text-align: left; line-height: 11.4pt;">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; 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;">111,114</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; color: #000000; text-align: left; line-height: 11.4pt;">Total 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;">&#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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">121,717</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">14.93</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</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;">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; 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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">81,522</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">10.00</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: middle; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Bank</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</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;">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%; 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;">14.46</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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">65,020</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</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;">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%; 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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">112,599</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">13.81</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</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;">48,913</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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">65,217</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">%</div></td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: middle; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Bank</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</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;">108,419</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;">13.34</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; 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;">65,020</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; 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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;">105,099</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;">12.89</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%; 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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;">Gross carrying value </div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#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;">Accumulated amortization </div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#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;">Net carrying value </div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#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;">Gross carrying value </div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#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;">Accumulated amortization </div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#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;">Net carrying value </div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: middle;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">Amortized intangible assets (1):</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: middle;">&#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: middle;">&#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: middle;">&#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: middle;">&#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: middle;">&#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: middle;">&#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: middle; 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;">MSRs</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;">1,605</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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(912</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</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;">693</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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">1,471</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</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;">(787</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;">684</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;">1,786</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; 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;">(586</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;">1,200</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;">)</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;">1,321</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; padding-bottom: 2px; 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%; 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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; color: #000000; line-height: 11.4pt;">(65</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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;">60</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">(34</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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;">91</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; 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; text-indent: 40pt;">Total amortized intangible assets</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">3,516</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(1,563</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</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; 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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;">&#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: 40%; vertical-align: bottom;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Basic earnings per share computation:</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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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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font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: center; line-height: 11.4pt;">Fair</div></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;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: center; line-height: 11.4pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; text-align: left;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; text-align: left; line-height: 11.4pt;">2017</div></td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-bottom: #000000 2px solid;"><div style="font-size: 10pt; 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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; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">16,928</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</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;">(172</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;"><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; 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background-color: #cceeff;"><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: #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; 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; line-height: 11.4pt;">(85</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; 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; line-height: 11.4pt;">5,958</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%; 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background-color: #cceeff;"><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: #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; 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; 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padding-bottom: 2px; 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;Equity securities in financial institutions</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">91</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td 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%; 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;">2016</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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%; 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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: 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;government sponsored entities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; 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font-family: Arial, sans-serif; color: #000000; text-align: justify; line-height: 14pt; text-indent: 18pt;">The weighted-average assumptions used to determine benefit obligations at December 31, 2017 and 2016 is summarized in the following table. 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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: 64%; 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;Cash dividends paid</div></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; 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;">100</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: 52%; 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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; 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;">98,887</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: 40%; 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;U.S. Treasuries</div></td><td valign="bottom" style="width: 1%; 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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><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: 40%; 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;&#160;&#160;government sponsored entities</div></td><td valign="bottom" style="width: 1%; 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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;">109,724</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;">11.27</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; font-weight: bold; line-height: 11.4pt;">5.00</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; line-height: 11.4pt;">%</div></td></tr></table></div><div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;" /></div><div><table border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; width: 60%;"><tr><td valign="bottom" style="vertical-align: middle;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #252525; text-align: center; line-height: 11.4pt;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="6" valign="bottom" style="vertical-align: bottom;"><div style="font-size: 10pt; 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font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">121,717</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;">14.93</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;">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; color: #000000; line-height: 11.4pt;">8.00</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; 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;">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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">117,537</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">14.46</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; 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vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</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;">108,419</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;">13.34</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; 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;">65,020</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;">105,099</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;">12.89</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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">36,685</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; 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vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 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;">108,419</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;">13.34</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;">52,829</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;">6.50</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 Average 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%; 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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></tr><tr><td valign="bottom" style="width: 50%; 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%; 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font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">(4,088</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: 50%; 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;">Tax effect</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">832</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">1,390</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 50%; vertical-align: bottom; 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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></tr><tr><td valign="bottom" style="width: 50%; vertical-align: bottom; padding-bottom: 4px; 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font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: center; line-height: 11.4pt;">Unrealized gain (loss) on available for sale securities (a)</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#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 Pension Items (a)</div></td><td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; text-align: left;">&#160;</td><td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#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; 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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: 64%; 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; padding-bottom: 2px; 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;">(283</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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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padding-bottom: 2px; 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; padding-bottom: 2px; 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; line-height: 11.4pt;">(114</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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; line-height: 11.4pt;">(1,003</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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: 64%; vertical-align: bottom; padding-bottom: 4px; 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, 2015</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; border-bottom: #000000 4px double; 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 4px double; text-align: right; background-color: #ffffff;"><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; 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; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(2,440</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</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; color: #000000; line-height: 11.4pt;">(236</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; 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: 64%; 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: 64%; 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, 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;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">2,204</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</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;">(2,440</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;">(236</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: 64%; 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 income (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;">(730</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;">(403</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;">(1,133</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: 64%; 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: 64%; 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; padding-bottom: 2px; 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;">(168</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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;">145</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">(23</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; 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vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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;">(258</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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;">(1,156</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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: 64%; 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, 2016</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; 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;">1,306</div></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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">(2,698</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; line-height: 11.4pt;">$</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;">(1,392</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; 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: 64%; 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;</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: 64%; 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, 2016</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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">1,306</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">$</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;">(2,698</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;">(1,392</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: 64%; 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 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; font-weight: bold; color: #000000; line-height: 11.4pt;">(847</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;">(65</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;">(912</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: 64%; 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%; 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: 64%; 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;">&#160;&#160;&#160;&#160;&#160;comprehensive income (loss) (net of tax)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">(683</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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;">148</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">(535</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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: 64%; 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;">Net current period other comprehensive income (loss)</div></td><td valign="bottom" style="width: 1%; 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font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">83</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;">(1,447</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: 64%; 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;">Change in other comprehensive income due to change</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: 64%; vertical-align: bottom; padding-bottom: 2px; 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;in the federal tax rate</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">(45</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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;">(514</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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;">(559</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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: 64%; 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;">Balance as of December 31, 2017</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; 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;">(269</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; 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; 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; 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font-family: 'Arial Narrow', sans-serif; font-weight: bold; color: #000000; line-height: 11.4pt;">(3,398</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; 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: 64%; vertical-align: bottom;"><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;">&#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; 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: 40%; vertical-align: middle; padding-bottom: 4px; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; 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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; 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 commercial loans</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;">1</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;">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: 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;">9</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; padding-bottom: 2px; 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 agricultural loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; 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font-weight: bold; line-height: 11.4pt;">1</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">161</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">161</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 4px; 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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: 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</div></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; 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;">-</div></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; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">8,691</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold; line-height: 11.4pt;">$</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;">-</div></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; 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;">8,691</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: 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; 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>2016</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; 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%; 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;Commercial</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;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; 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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;"><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;">1,188</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;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</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;">1,188</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; 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: #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;">5</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;">1,956</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;">1,956</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;">Other commercial loans</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;">-</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;">3</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;">3,076</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;">3,076</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; padding-bottom: 2px; background-color: #cceeff;"><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; padding-bottom: 2px; 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; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; line-height: 11.4pt;">7</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; line-height: 11.4pt;">1,558</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; line-height: 11.4pt;">1,558</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 28%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;"><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; padding-bottom: 4px; 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; 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; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</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;">7,778</div></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; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</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;">7,778</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: 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%; 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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;">36,446</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: 40%; 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;">State and political subdivision loans</div></td><td valign="bottom" style="width: 1%; 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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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; 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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; font-weight: bold; color: #000000; line-height: 11.4pt;">973,489</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: 40%; 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;">Allowance for loan losses</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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%; 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padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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;">10,780</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; text-align: left; background-color: #ffffff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; 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; 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; 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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;">23,988</div></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; 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; 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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><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: 40%; vertical-align: bottom; padding-bottom: 2px; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; color: #000000; text-align: left; line-height: 11.4pt;">2016</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 2px; 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; padding-bottom: 2px; text-align: left; background-color: #cceeff;">&#160;</td></tr><tr><td valign="bottom" style="width: 40%; vertical-align: bottom; background-color: #ffffff;"><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: #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: 40%; 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;&#160;&#160;&#160;Residential</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: #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;">25,441</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: 40%; 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font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</div></td><td valign="bottom" style="width: 9%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: right; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">3,367</div></td><td nowrap="nowrap" valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; text-align: left; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; padding-bottom: 4px; background-color: #cceeff;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-bottom: #000000 4px double; text-align: left; background-color: #cceeff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; line-height: 11.4pt;">$</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; 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ACQUISITION OF STATE COLLEGE BRANCH</div><div style="font-size: 10pt; font-family: Arial, sans-serif; text-align: justify; line-height: 13.7pt; text-indent: 18pt;">In the second quarter of 2017, the Company announced the signing of a purchase and assumption agreement to acquire the full service branch in State College of S&amp;T Bank. The transaction closed on December&#160;8, 2017, and the Bank paid consideration of $1,044,000, which was based on the average deposit balances for the 30 days prior to the branch merging into First Citizens Community Bank. 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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></tr><tr><td valign="bottom" style="width: 20%; vertical-align: bottom; background-color: #ffffff;"><div style="font-size: 10pt; font-family: 'Arial Narrow', sans-serif; text-align: left; line-height: 11.4pt;">Balance at December 31</div></td><td 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 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, 2017 and 2016, the Company has a borrowing limit of $4,400,000 and $4,360,000, respectively, inclusive of any outstanding advances. The approximate carrying value of the municipal loan collateral was $14,590,000 and $15,560,000 as of December 31, 2017 and 2016, respectively. Term Loans consist of separate loans with the FHLB of Pittsburgh as follows (in thousands): 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. 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 $453,407,000, 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. 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. Excludes fully amortized intangible assets Amounts in parentheses indicate debits. Amounts in parentheses indicate debits on the consolidated balance sheet. 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Transferred [Abstract] Premises and equipment Premises and equipment, net Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Property, Plant, and Equipment Net assets acquired [Abstract] Assets (liabilities) acquired [Abstract] Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Net [Abstract] Net non-cash assets (liabilities) acquired Net assets acquired Acquired net assets at fair value Acquired and liabilities assumed, net ACQUISITION OF FNB Intangibles Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles Asset acquired and liability assumed [Abstract] Business Combination, Recognized Identifiable Assets Acquired, Goodwill, and Liabilities Assumed, Less Noncontrolling Interest [Abstract] Merger and acquisition Counterparty Name [Axis] Total capital (to risk-weighted assets) Total capital (to risk-weighted assets) Capital Required for Capital Adequacy to Risk Weighted Assets Total capital (to risk-weighted assets) Capital Required to be Well Capitalized Total capital (to risk-weighted assets) Capital Required for Capital Adequacy Total capital (to risk-weighted assets) Capital to Risk Weighted Assets Total capital (to risk-weighted assets) Capital Required to be Well Capitalized to Risk Weighted Assets Carrying Amount [Member] RESTRICTIONS ON CASH AND DUE FROM BANKS Cash and Cash Equivalents Disclosure [Text Block] Noninterest-bearing Cash Cash and Due from Banks Cash and Cash Equivalents Cash and Cash Equivalents, Policy [Policy Text Block] Cash and Cash Equivalents at Beginning of Year Cash and Cash Equivalents at End of Year Total cash and cash equivalents Cash and Cash Equivalents, at Carrying Value Net increase (decrease) in cash and cash equivalents Cash and Cash Equivalents, Period Increase (Decrease) Cash and due from banks Cash and Cash Equivalents, Fair Value Disclosure Cash and cash equivalents: Cash and Cash Equivalents [Abstract] Cash and Cash Equivalents [Member] Bank owned life insurance Cash Surrender Value, Fair Value Disclosure Cash FDIC insured amount, maximum Cash, FDIC Insured Amount Non-accretable discount Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items] Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Table] Accretable discount Balance at end of period Balance at beginning of period Business acquisition credit impaired loans purchased Estimated fair value Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Acquired During Period, at Acquisition, at Fair Value Reclassification of non-accretable discount Contractually required principal and interest at acquisition Expected cash flows Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Acquired During Period, Cash Flows Expected to be Collected at Acquisition Components of the purchase 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] Accretion Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion Outstanding balance Carrying amount Interest bearing time deposits with other banks Interest bearing time deposits with other banks Certificates of Deposit [Member] Commercial [Member] Commercial Real Estate [Member] Other Commercial Loans [Member] Other Commercial Loans [Member] Commercial Portfolio Segment [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] Common Stock, authorized (in shares) Stock dividend (in shares) Common Stock Dividends, Shares Common Stock, issued (in shares) CASH DIVIDENDS PER SHARE (in dollars per share) Common Stock, par value (in dollars per share) Common Stock $1.00 par value; authorized 15,000,000 shares 2017 and 2016; issued 3,869,939 and 3,704,375 shares in 2017 and 2016, respectively Balance (in shares) Balance (in shares) Common Stock, Shares, Outstanding EMPLOYEE BENEFIT PLANS [Abstract] EMPLOYEE BENEFIT PLANS Compensation and Employee Benefit Plans [Text Block] Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] Comprehensive Loss Comprehensive income Comprehensive income Comprehensive Income (Loss), Net of Tax, Attributable to Parent OTHER COMPREHENSIVE INCOME Comprehensive Income (Loss) Note [Text Block] Condensed Financial Statements, Captions [Line Items] CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY Condensed Financial Information of Parent Company Only Disclosure [Text Block] CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY [Abstract] Consolidated Entities [Domain] Consolidated Entities [Axis] Construction in Process [Member] Construction in Progress [Member] Consumer [Member] 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] Cumulative effect adjustment from acumualted other comprehensive income to retained earnings Currently payable Doubtful [Member] Variable rate basis Debt Instrument, Redemption, Period [Domain] Debt Instrument, Redemption, Period [Axis] Basis spread on variable rate Borrowed funds Borrowed funds Total borrowed funds Debt and Capital Lease Obligations Maturity date Stated interest rate Weighted average interest rate as of year end Schedule of Long-term Debt Instruments [Table] Debt Instrument [Line Items] Face amount of debt Borrowed funds Debt Instrument, Fair Value Disclosure Maximum borrowing limit Unrealized losses on available-for-sale securities Investment securities accretion Deferred Tax Liabilities, Investments Deferred interest expense Deferred Compensation Arrangement with Individual, Compensation Expense Deferred Compensation Arrangement with Individual, Postretirement Benefits [Line Items] Deferred income taxes Total Deferred Tax Liabilities, Gross Other Deferred Tax Assets, Other NOL carry forward Deferred tax asset, net Deferred Tax Assets, Net Total Deferred Tax Assets, Net of Valuation Allowance Deferred tax assets [Abstract] Deferred compensation Allowance for losses on available-for-sale securities Incentive plan accruals AMT Credit Carryforward Valuation allowance Allowance for loan losses Premises and equipment Deferred Tax Liabilities, Property, Plant and Equipment Deferred tax liabilities [Abstract] Mortgage servicing rights Deferred Tax Liabilities, Mortgage Servicing Rights Other Deferred Tax Liabilities, Other Loan fees and costs Deferred Tax Liabilities, Deferred Expense, Debt Issuance Costs Goodwill and core deposit intangibles Deferred Tax Liabilities, Goodwill and Intangible Assets Deferred compensation liability Benefits paid Defined Benefit Plan, Benefit Obligation, Benefits Paid Benefits paid Defined Benefit Plan, Plan Assets, Benefits Paid 2021 Defined Benefit Plan, Expected Future Benefit Payment, Year Four Amounts that will be amortized from accumulated other comprehensive loss into the net periodic benefit cost in 2017 related to prior service cost (benefit) Amounts that will be amortized from accumulated other comprehensive loss into the net periodic benefit cost in 2017, related to estimated net loss 2023 - 2027 Defined Benefit Plan, Expected Future Benefit Payment, Five Fiscal Years Thereafter Expected employer contribution to pension plan Plan assets at fair value [Abstract] Employer contribution to 401 (k) defined contribution plan Target plan asset allocations 2022 Defined Benefit Plan, Expected Future Benefit Payment, Year Five 2020 Defined Benefit Plan, Expected Future Benefit Payment, Year Three 2019 Defined Benefit Plan, Expected Future Benefit Payment, Year Two 2018 Defined Benefit Plan, Expected Future Benefit Payment, Next Twelve Months Actuarial (Gain) / Loss Defined Benefit Plan, Benefit Obligation, Actuarial Gain (Loss) Rate of compensation increase Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Rate of Compensation Increase Defined Benefit Plan Disclosure [Line Items] Discount rate Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Discount Rate Actual return (loss) on plan assets Discount rate Expected long-term return on plan assets Amounts recognized in accumulated other comprehensive loss consists of [Abstract] Target Allocations of Assets [Abstract] Rate of compensation increase Fair value of plan assets at acquisition Benefit obligation at end of year Benefit obligation at beginning of year Defined Benefit Plan, Benefit Obligation Expected future benefit payments [Abstract] Change in plan assets [Roll Forward] Benefit obligation acquired as part of FNB acquisition Fair value of plan assets at beginning of year Fair value of plan assets at end of year Defined Benefit Plan, Fair Value of Plan Assets Return on plan assets Defined Benefit Plan, Expected Return (Loss) on Plan Assets Interest cost Employer contributions Funded status Defined Benefit Plan, Funded (Unfunded) Status of Plan Change in benefit obligation [Roll Forward] Weighted-average assumptions used to determine benefit obligations [Abstract] Weighted-average assumptions used to determine net periodic benefit cost (income) [Abstract] Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract] Continuation of Life Insurance Plan [Member] Service cost Net periodic benefit cost Defined Benefit Plan, Net Periodic Benefit Cost (Credit) Allocation Defined Benefit Plan, Asset Categories [Axis] Components of net periodic benefit cost [Abstract] Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract] Obligation included in other liabilities Liability, Defined Benefit Pension Plan Fair value of plan assets Assets for Plan Benefits, Defined Benefit Plan DEPOSITS Deposit Liabilities Disclosures [Text Block] Deposits: Money market deposit accounts Total deposits Deposits NOW accounts Deposits Deposits, Fair Value Disclosure Savings deposits Depreciation and amortization Depreciation expense Notional amount of derivative liability Director [Member] Dividend paid date Dividends Payable, Date to be Paid Dividends Dividend Income, Operating Cash dividends Dividends, Common Stock, Cash Stock dividend Dividends, Common Stock, Stock Stock dividend Dividends from [Abstract] Corporate Bonds [Member] Basic earnings per share computation [Abstract] Earnings Per Share, Basic [Abstract] NET INCOME - DILUTED (in dollars per share) Earnings Per Share Diluted (in dollars per share) Earnings per share - dilutive (in dollars per share) Diluted earnings per share computation [Abstract] Earnings Per Share, Diluted [Abstract] Computation of earnings per share [Abstract] NET INCOME - BASIC (in dollars per share) Earnings Per Share Basic (in dollars per share) Earnings per share - basic (in dollars per share) Earnings Per Share PER COMMON SHARE DATA: Earnings Per Share [Abstract] Statutory tax rates Federal corporate tax rate Effective tax rates Compensation cost related to nonvested awards that has not yet recognized Employee Service Share-based Compensation, Nonvested Awards, Compensation Not yet Recognized, Share-based Awards Other than Options Period over which compensation cost is expected to be recognized Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition Furniture and equipment OTHER COMPREHENSIVE INCOME [Abstract] Ownership percentage Ownership percentage Equity Interest Type [Axis] Equity Component [Domain] Equity Interest Issued or Issuable, Type [Domain] Equity Securities [Member] Equity Securities in Financial Institutions [Member] Fair Value [Member] Discount for time since appraisal Fair Value Inputs, Assets, Quantitative Information [Line Items] Valuation Technique(s) Fair Value Measurements, Valuation Techniques Fair Value Inputs, Assets, Quantitative Information [Table] Significant unobservable inputs used in fair value measurement process Fair Value Inputs, Assets, Quantitative Information [Table Text Block] Measurement Basis [Axis] Fair Value, Hierarchy [Axis] Measurement Frequency [Axis] Nonrecurring [Member] Asset Class [Axis] Fair Value Measurements, Recurring and Nonrecurring [Table] Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Fair Value, Measurement Frequency [Domain] FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract] Non-contractual obligation Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability Asset Class [Domain] Recurring [Member] Fair Value Hierarchy [Domain] Fair Value Hierarchy [Domain] FAIR VALUE OF FINANCIAL INSTRUMENTS Fair Value Disclosures [Text Block] Real estate acquired in settlement of loans Fair value, assets and liabilities measured on recurring basis [Abstract] Summary of assets measured at fair value on non-recurring basis Fair Value Measurements, Nonrecurring [Table Text Block] Fair Value, by Balance Sheet Grouping [Table] Fair value of financial instruments Fair Value, by Balance Sheet Grouping [Table Text Block] Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] Fair Value Measurement [Domain] Level I [Member] Level II [Member] Level III [Member] Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items] Federal depository insurance Federal Funds Line [Member] Federal Funds Purchased [Member] Federal Home Loan Bank, advances, weighted average interest rate as of year-end Federal Home Loan Bank, advances, weighted average interest rate paid during the year Federal home loan bank stock Federal Home Loan Bank Stock FHLB Advances [Member] Federal Home Loan Bank Advances [Member] Federal Home Loan Bank, advances, highest balance at any month-end Federal Home Loan Bank, advances, average balance Federal Home Loan Bank, Advances, Activity for Year, Average Balance of Agreements Outstanding Carrying value of securities pledged as collateral Federal Funds Sold and Securities Purchased under Agreements to Resell Pledged as Collateral FRB BIC Line [Member] Federal Reserve Bank Advances [Member] Trust Loans Financial Instrument [Axis] Financial Liabilities [Abstract] Financial Assets [Abstract] Financing Receivable, Recorded Investment, Past Due [Line Items] Post-modification outstanding recorded investment Financing Receivable, Modifications, Post-Modification Recorded Investment Recorded investment of past due [Abstract] Financing Receivable, Recorded Investment, Aging [Abstract] Financing Receivable, Modifications [Line Items] Number of contract, subsequently defaults Financing Receivable, Modifications, Subsequent Default, Number of Contracts Collectively evaluated for impairment Financing Receivable, Collectively Evaluated for Impairment Individually evaluated for impairment Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment Financing Receivable, Allowance for Credit Losses [Line Items] Class of Financing Receivable, Type [Domain] Financing Receivable, Recorded Investment [Line Items] 90 Days or greater and accruing 90 Days Or Greater [Member] Individually evaluated for impairment Financing Receivable, Individually Evaluated for Impairment 60 to 89 Days Past Due [Member] Balance at beginning of period Balance at end of period Financing Receivable, Allowance for Credit Losses Financing Receivable, Allowance for Credit Losses [Roll Forward] Pre-modification outstanding recorded investment Financing Receivable, Modifications, Pre-Modification Recorded Investment Financing Receivable Portfolio Segment [Domain] Financing Receivable Portfolio Segment [Axis] Summary of financing receivable credit exposures by internally assigned grades Financing Receivable Credit Quality Indicators [Table Text Block] Collectively evaluated for impairment Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment Recoveries Financing Receivable, Allowance for Credit Losses, Recovery Total recidivism, Recorded investment Financing Receivable, Modifications, Subsequent Default, Recorded Investment 30 to 59 Days Past Due [Member] Financing Receivable, Impaired [Line Items] Financing Receivables, Period Past Due [Domain] Financing Receivables, Period Past Due [Axis] Charge-offs Financing Receivable, Allowance for Credit Losses, Write-downs Number of contracts Financing Receivable, Modifications, Number of Contracts Current Class of Financing Receivable, Type [Axis] Total past due Financing Receivable, Recorded Investment, Past Due Financing receivable nonaccrual status Financing Receivable, Recorded Investment, Nonaccrual Status Actual and Estimated Future Amortization Expense [Abstract] Net carrying value Finite-Lived Intangible Assets, Net 2018 Finite-Lived Intangible Assets [Line Items] Finite-Lived Intangible Assets [Line Items] 2022 Finite-Lived Intangible Assets, Amortization Expense, Year Five Amortizing intangible assets [Abstract] Accumulated amortization Finite-Lived Intangible Assets, Accumulated Amortization Finite-Lived Intangible Assets by Major Class [Axis] Estimated Amortization Expense [Abstract] 2020 Useful Life Finite-Lived Intangible Asset, Useful Life 2021 Gross carrying value Finite-Lived Intangible Assets, Gross 2019 Finite-Lived Intangible Assets, Major Class Name [Domain] First Mortgage [Member] Other real estate owned Repossessed Assets Furniture, Fixtures and Equipment [Member] Furniture, Fixtures and Equipment [Member] Gains on loans sold Realized gains on loans sold Investment securities gains, net Investment securities gains, net Investment securities gains, net Realized securities gains Investment securities gains, net GOODWILL AND OTHER INTANGIBLE ASSETS Goodwill and Intangible Assets Disclosure [Text Block] Goodwill Goodwill and Intangible Assets, Goodwill, Policy [Policy Text Block] Goodwill Goodwill resulting from merger Goodwill resulting from the FNB merger Goodwill impairment loss Goodwill, Impairment Loss GOODWILL AND OTHER INTANGIBLE ASSETS [Abstract] Intangible Assets [Abstract] Held-to-maturity securities Held-to-maturity Securities Home Equity [Member] Home Equity [Member] Purchased Credit Impaired Loans Impaired Financing Receivable, Policy [Policy Text Block] Interest Income Recognized Impaired Financing Receivable, Interest Income, Accrual Method Recorded Investment With No Allowance Related Allowance Interest Income Recognized Cash Basis Impaired Financing Receivable, Interest Income, Cash Basis Method Impaired financing receivables with associated allowance amount Total Recorded Investment Impaired Financing Receivable, Recorded Investment Recorded Investment With Allowance Average Recorded Investment Impaired Financing Receivable, Average Recorded Investment Unpaid Principal Balance INCOME TAXES [Abstract] Income before provision for income taxes Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Noncontrolling Interest Consolidated Statement of Income [Abstract] CONDENSED STATEMENT OF INCOME [Abstract] INCOME TAXES Income Tax Disclosure [Text Block] 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] Change in tax rate Effective Income Tax Rate Reconciliation, Change in Enacted Tax Rate, Amount Provision for income taxes Provision for income taxes Provision for income taxes Other items Income taxes paid Income Taxes 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 Net (decrease) increase in deposits Increase (decrease) in accrued interest payable 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 Accrued interest payable Interest and fees on loans INTEREST AND DIVIDEND INCOME: Equity securities Interest and Dividend Income, Securities, Operating, Available-for-sale Investment securities: TOTAL INTEREST AND DIVIDEND INCOME Interest income INTEREST EXPENSE: Borrowed funds Interest Expense, Borrowings Deposits Interest Expense, Deposits TOTAL INTEREST EXPENSE Interest expense NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES Interest Income (Expense), after Provision for Loan Loss NET INTEREST INCOME Interest Income (Expense), Net Nontaxable Taxable Interest-bearing deposits with banks Certificates of deposit Interest paid Interest-bearing Accrued interest receivable Interest-bearing Deposits [Member] Interest-bearing Interest-bearing Deposits in Banks and Other Financial Institutions Internal Credit Assessment [Axis] Internal Credit Assessment [Domain] Regulatory stock Investment in Federal Home Loan Bank Stock, Fair Value Disclosure Brokerage and insurance Investment Banking, Advisory, Brokerage, and Underwriting Fees and Commissions Investment Tax Credit Carryforward [Member] Investment Securities INVESTMENT SECURITIES Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block] Summary of amortized cost and fair value of debt securities by contractual maturity FEDERAL HOME LOAN BANK (FHLB) STOCK [Abstract] Investment in subsidiary [Abstract] Investment Securities [Abstract] INVESTMENT SECURITIES [Abstract] Long-term Debt, Type [Domain] Long-term Debt, Type [Axis] Salaries and employee benefits Salaries and employee benefits Land [Member] Total rental expense OPERATING LEASES [Abstract] TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY Liabilities and Equity LIABILITIES: Liabilities [Abstract] TOTAL LIABILITIES Liabilities 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 Allowance for loan losses Allowance for Loan Losses Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block] Foreclosed Assets Held For Sale Loans (net of allowance for loan losses: 2017, $11,190; 2016, $8,886) Net loans Loan Charge-off Policies Total financing receivables Loans and Leases Receivable, Gross Balance, beginning of year Balance, end of year Loans and Leases Receivable, Related Parties Loans to Related Parties [Roll Forward] Loans and Leases Receivable, Related Parties [Roll Forward] Loans held for sale Loans Held-for-sale, Fair Value Disclosure Troubled Debt Restructurings Net loans Loans Receivable, Fair Value Disclosure Loans held for sale New loans LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES Loans, Notes, Trade and Other Receivables Disclosure [Text Block] 2022 Long-term Debt, Maturities, Repayments of Principal in Year Five 2021 Long-term Debt, Maturities, Repayments of Principal in Year Four 2020 Long-term Debt, Maturities, Repayments of Principal in Year Three 2018 Long-term Debt, Maturities, Repayments of Principal in Next Twelve Months 2019 Long-term Debt, Maturities, Repayments of Principal in Year Two Thereafter Long-term Debt, Maturities, Repayments of Principal after Year Five Number of claims pending Major Types of Debt and Equity Securities [Domain] Major Types of Debt and Equity Securities [Axis] 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] Portfolio balance under MPF Formal foreclosure proceedings on potential foreclosure assets Mortgage Loans in Process of Foreclosure, Amount Mortgage Loans on Real Estate, Description, Loan Category [Axis] Mortgage-backed Securities in Government Sponsored Entities [Member] Municipal Bonds [Member] Nonperforming [Member] Nonperforming Financial Instruments [Member] Net cash provided by (used in) financing activities Net Cash Provided by (Used in) Financing Activities Cash Flows from Financing Activities: Cash flows from financing activities [Abstract] Cash Flows from Investing Activities: Cash flows from investing activities [Abstract] Cash Flows from Operating Activities: Cash flows from operating activities [Abstract] Net cash used in investing activities Net Cash Provided by (Used in) Investing Activities Net cash provided by operating activities Net Cash Provided by (Used in) Operating Activities Net income NET INCOME Net income Net income applicable to common stock Adjustments for New Accounting Pronouncement [Member] 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: Covenant not to Compete [Member] Covenant not to Compete [Member] Noncompete Agreements [Member] NON-INTEREST INCOME: Noninterest-bearing NON-INTEREST EXPENSES: TOTAL NON-INTEREST INCOME Non-interest income Noninterest Income Other Noninterest Income, Other Operating Income Non-interest-bearing deposits TOTAL NON-INTEREST EXPENSES Non-interest expenses Total Financing Receivable, Net Notes Payable [Member] Number of operating segments Other comprehensive income (loss) before reclassifications (net of tax) OCI, before Reclassifications, Net of Tax, Attributable to Parent Occupancy Thereafter Operating Leases, Future Minimum Payments, Due Thereafter 2019 Operating Leases, Future Minimum Payments, Due in Two Years Future minimum rental payments under operating leases [Abstract] Total Operating Leases, Future Minimum Payments Due OPERATING LEASES Lessee, Operating Lease, Disclosure [Table Text Block] 2018 Operating Leases, Future Minimum Payments Due, Next Twelve Months 2022 Operating Leases, Future Minimum Payments, Due in Five Years 2021 Operating Leases, Future Minimum Payments, Due in Four Years 2020 Operating Leases, Future Minimum Payments, Due in Three Years SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Organization, Consolidation, Basis of Presentation, Business Description and Accounting Policies [Text Block] Income tax benefit Reclassification adjustment for (gains) losses included in income Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax Securities available for sale Change in unrecognized pension costs Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, before Tax Income tax benefit Other Comprehensive (Income) Loss, Defined Benefit Plan, before Reclassification Adjustment, Tax Pension costs Total Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, after Tax Reclassification Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, before Reclassification Adjustments, Net of Tax Other, net Other assets Net loss Prior service cost Other Comprehensive (Income) Loss, Defined Benefit Plan, Prior Service Cost (Credit), after Tax Unrealized holding loss during the period Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, before Tax 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 Other liabilities Investment amount in partnerships Foreclosed assets held for sale [Abstract] Other Real Estate, Foreclosed Assets, and Repossessed Assets [Abstract] Foreclosed assets held for sale Other Real Estate, Foreclosed Assets, and Repossessed Assets Other Expenses Investment sale receivable Other Comprehensive income Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent [Abstract] Net other comprehensive income Net other comprehensive income Performing [Member] Performing Financial Instruments [Member] Age analysis of past due financing receivables Pass [Member] Parent Company [Member] Company [Member] Net increase in loans Payments for (Proceeds from) Loans and Leases 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 Dividends paid Cash dividends paid Payments of Ordinary Dividends, Common Stock Purchase of securities Purchases of available-for-sale securities Payments to Acquire Available-for-sale Securities Purchase of treasury stock Payments for Repurchase of Common Stock Acquisition, net of cash paid Payments to Acquire Businesses, Net of Cash Acquired Purchase Price Consideration in cash Purchase price assigned to The First National Bank of Fredericksburg common shares exchanged for cash 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 , par value (in dollars per share) Preferred Stock $1.00 par value; authorized 3,000,000 shares 2017 and 2016; none issued in 2017 or 2016 Preferred Stock , issued (in shares) Preferred Stock , authorized (in shares) Reclassification Proceeds from redemption of Regulatory Stock Proceeds from Sale of Federal Home Loan Bank Stock Net increase (decrease) in short-term borrowed funds Proceeds from sale of interest bearing time deposits with other banks Proceeds from long-term borrowings Proceeds from maturity and principal repayments of securities 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 premises and equipment Proceeds from sales of loans held 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 Premises and Equipment Property, Plant and Equipment, Policy [Policy Text Block] Summary of premises and equipment PREMISES & EQUIPMENT [Abstract] Premises and equipment Premises and equipment, net Premises and equipment, gross PREMISES & EQUIPMENT Property, Plant and Equipment Disclosure [Text Block] Property, Plant and Equipment [Line Items] Useful life Property, Plant and Equipment, Type [Axis] Property, Plant and Equipment, Type [Domain] Provision for loan losses Provision (benefit) CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) Quarterly Financial Information [Text Block] CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) [Abstract] Range [Domain] Range [Axis] 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 Schedule of the significant amounts reclassified out of each component of accumulated other comprehensive loss Reclassification out of Accumulated Other Comprehensive Income [Table Text Block] Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items] Amount Reclassified from Accumulated Comprehensive Income (Loss) [Member] Reclassification out of Accumulated Other Comprehensive Income [Table] Reclassification out of Accumulated Other Comprehensive Income [Domain] Reclassification out of Accumulated Other Comprehensive Income [Axis] REGULATORY MATTERS [Abstract] REGULATORY MATTERS Regulatory Capital Requirements under Banking Regulations [Text Block] Related Party Transaction [Line Items] Related Party [Domain] Related Party [Axis] RELATED PARTY TRANSACTIONS Related Party Transactions Disclosure [Text Block] RELATED PARTY TRANSACTIONS [Abstract] Repayments of long-term borrowings Repayments of Long-term Debt Counterparty Name [Domain] Mortgages [Member] Residential Mortgage [Member] Residential [Member] Residential Real Estate [Member] Restricted Stock [Member] Cash reserves at the Federal Reserve Bank Forfeited restricted stock Restricted Stock Award, Forfeitures Retained earnings Retained Earnings [Member] Defined Benefit Plan and Other Postretirement Benefit Plan [Domain] Retirement Plan Type [Domain] Retirement Plan Type [Axis] Service charges Actual Ratio [Abstract] Substandard [Member] Schedule of future amortization expense for amortized intangible assets Highest balance at any month-end Average balance Scenario, Unspecified [Domain] Plan [Member] Deferred tax assets and liabilities Summary of loan activity with officers, directors, stockholders and associates Schedule of Related Party Transactions [Table Text Block] Schedule of Financing Receivables Past Due [Table] Fair value of plan assets Schedule of Allocation of Plan Assets [Table Text Block] Schedule of Financing Receivable, Allowance for Credit Losses [Table] Schedule of gross carrying value and accumulated amortization of intangible assets Computation of earnings per share Schedule of Earnings Per Share, Basic and Diluted [Table Text Block] Schedule of Finite-Lived Intangible Assets [Table] Schedule of Financing Receivable, Recorded Investment, Credit Quality Indicator [Table] Reconciliation of statutory tax rates to effective tax rates Unrealized losses and fair value of investments Summary of financing receivables on nonaccrual status Schedule of Financing Receivables, Non Accrual Status [Table Text Block] Weighted-average assumptions used to determine benefit obligations and net periodic benefit cost (income) Condensed financial information Condensed Financial Statements [Table Text Block] Schedule of Financing Receivable, Troubled Debt Restructurings [Table] Borrowed funds Schedule of Debt [Table Text Block] Schedule of vesting, awarding and forfeiting of restricted shares Obligation and net funded status 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] Schedule of Impaired Financing Receivable [Table] Components of net periodic pension cost not yet recognized Schedule of Net Periodic Benefit Cost Not yet Recognized [Table Text Block] Maturities of borrowed funds Schedule of asset acquired and liability assumed Schedule of Recognized Identified Assets Acquired and Liabilities Assumed [Table Text Block] Future minimum rental payments under operating leases Consolidated condensed quarterly data Quarterly Financial Information [Table Text Block] Provision for income taxes Schedule of Components of Income Tax Expense (Benefit) [Table Text Block] Summary of amortized cost and fair value of investment securities Expected future benefit payments Components of net periodic benefit costs Schedule of Net Benefit Costs [Table Text Block] Schedule of Acquired Finite-Lived Intangible Asset by Major Class [Table] Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table] Summarizes the purchase price of branch Summarizes the purchase of FNB Schedule of Available-for-sale Securities [Table] Capital ratios under banking regulations Schedule of Available-for-sale Securities [Line Items] Schedule of Condensed Financial Statements [Table] Components of accumulated other comprehensive loss, net of tax Schedule of Business Acquisitions, by Acquisition [Table] Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table] Schedule of Deferred Compensation Arrangement with Individual, Postretirement Benefits [Table] Schedule of Defined Benefit Plans Disclosures [Table] Schedule of Fair Value, Off-balance Sheet Risks [Table] Financial instruments whose contract amounts represent credit risk Federal Home Loan Bank loans by branch Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank [Table Text Block] Remaining contractual maturity of the repurchase agreements Schedule of Repurchase Agreements [Table Text Block] Schedule of Related Party Transactions, by Related Party [Table] Property, Plant and Equipment [Table] Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table] 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] MSRs [Member] Additional General Disclosures [Abstract] Forfeited (in dollars per share) Weighted Average Market Price [Roll Forward] Stock awards Share-based compensation expense Share-based Compensation Arrangement by Share-based Payment Award [Line Items] Forfeited (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeited in Period Vested (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period Granted (in dollars per share) Granted (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants 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 Vested (in dollars per share) 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 available for grant (in shares) Number of shares authorized (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized Unvested Shares [Roll Forward] Equity Award [Domain] Equity Award [Domain] Weighted average interest rate paid during the year Special Mention [Member] Standby Letter of Credit [Member] Statement [Line Items] Consolidated Statement of Changes in Stockholders' Equity [Abstract] Geographical [Axis] Consolidated Statement of Cash Flows [Abstract] STATEMENT OF CASH FLOWS [Abstract] Consolidated Statement of Changes in Comprehensive Income [Abstract] Consolidated Balance Sheet [Abstract] CONDENSED BALANCE SHEET [Abstract] Scenario [Axis] Statement [Table] Equity Components [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 Restricted stock, executive and Board of Director awards Stock Issued During Period, Value, Restricted Stock Award, Gross Stock issued for acquisition Cash dividend reinvestment paid from treasury stock Stock Issued During Period, Value, Dividend Reinvestment Plan Sale of treasury stock Stock Issued During Period, Value, Treasury Stock Reissued Stock issued for acquisition (in shares) Stock Issued During Period, Shares, Acquisitions Balance Balance TOTAL STOCKHOLDERS' EQUITY Stockholders' equity STOCKHOLDERS' EQUITY: Bank [Member] Supplemental Executive Retirement Plan [Member] Supplemental Employee Retirement Plan [Member] Supplemental Disclosures of Cash Flow Information: Tax Credit Carryforward, Name [Domain] Tax Credit Carryforward [Table] Investment tax credits Tax Credit Carryforward [Axis] Tax Credit Carryforward [Line Items] 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 risk-weighted assets) Tier One Risk Based Capital to Risk Weighted Assets Tier 1 capital (to risk-weighted assets) Tier One Risk Based Capital Required for Capital Adequacy 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 Required for Capital Adequacy to Average 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 for Capital Adequacy Tier 1 capital (to average assets) Tier One Leverage Capital Required to be Well Capitalized Tier 1 capital (to average assets) Tier One Leverage Capital to Average Assets Tier 1 capital (to risk-weighted assets) Tier 1 capital (to average assets) Tier 1 capital (to risk-weighted assets) Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets 2020 Time Deposit Maturities, Year Three 2022 Maturities of certificates of deposit [Abstract] Time Deposits, Fiscal Year Maturity [Abstract] Thereafter Total certificates of deposit Time Deposits 2018 Time Deposit Maturities, Next Twelve Months 2021 Time Deposit Maturities, Year Four 2019 Time Deposit Maturities, Year Two 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 [Line Items] Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Table] Types of Financial Instruments [Domain] Treasury stock, at cost: 383,065 and 384,671 shares for 2017 and 2016, respectively Treasury Stock, Value Treasury Stock [Member] Treasury stock, shares (in shares) Purchase of treasury stock (in shares) Purchase of treasury stock Treasury Stock, Value, Acquired, Cost Method Summary of troubled debt restructurings on financing receivables Troubled Debt Restructurings on Financing Receivables [Table Text Block] Type of Adoption [Domain] 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 [Domain] Valuation Technique [Axis] Number of shares used in computation - basic (in shares) Weighted average common shares outstanding (in shares) Weighted average common shares outstanding for basic earnings per share (in shares) Weighted Average [Member] 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 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 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 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 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 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 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] Portfolio segment of the company's total financing receivables related to construction real estate loans. Construction Real Estate Loans [Member] Construction [Member] Construction [Member] 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 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 Refers to period of mortgage on residential real estate. Period of mortgage on real estate Period of mortgage on real estate Amount of income tax expense for remeasurement of deferred tax asset from change in tax rate pursuant to Tax Cuts and Jobs Act of 2017. Tax Cuts And Jobs Act Of2017 Change In Tax Rate Deferred Tax Asset Income Tax Expense Net deferred tax asset Advertising Costs [Abstract] Advertising Costs [Abstract] Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. Income Tax Disclosure [Line Items] 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 full service banking offices operated. Number of Full Service Banking Offices Number of full service banking offices Business and Organization [Abstract] Disclosure of information about income taxes. Income Tax Disclosure [Table] 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 Bank Owned Life Insurance [Abstract] Goodwill Impairment [Abstract] Goodwill [Abstract] The number of days past due before a loan is classified as impaired. Number of Days Past Due For Loan to be Considered Impaired Number of days past for loan to be considered impaired Number of days past for loan to be considered impaired, Minimum Allowance for Loan Losses [Abstract] 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 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 Document and Entity Information [Abstract] Class of financing receivables related to agricultural loans excluding real estate. Other Agricultural Loans [Member] Other Agricultural Loans [Member] Portfolio segment of the entity's total financing receivables related to real estate loans. Real estate loans [Member] Real Estate Loans [Member] Impaired Financing Receivable [Abstract] Impaired Financing Receivable [Abstract] Class of financing receivables related to agricultural real estate loans. Agricultural [Member] Agricultural [Member] 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 Tabular disclosure of deposit liabilities. Summary of Deposits [Table Text Block] Summary of deposits Indefinite Lived Intangible Assets Net [Abstract] Non-amortized intangible assets [Abstract] Gross Carrying Value Of Intangible Assets And Accumulated Amortization [Abstract] 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) 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 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] 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 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 Refers to the number of plans during the period. Number Of Plans Number of plans 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 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 Represents information about consumer residential mortgages. Consumer Residential Mortgages [Member] 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 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 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 Financing Receivable by credit exposure [Abstract] 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 Credit quality indicators that are developed and used internally by the company. Internally Assigned Grade 1 [Member] Internally Assigned Grade [Member] Represents purchased credit impaired loan. Purchased Credit Impaired Loan [Member] PCI [Member] Financing receivables on accrual status [Abstract] Recorded investment in financing receivables total that are still accruing. Financing Receivable Recorded Investment Total And Still Accruing Total financing receivables 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 Financing receivables on nonaccrual status [Abstract] Refers to purchase credit impaired loans that are non accrual. Purchased Credit Impaired Loans, Non accrual PCI Loans considered non accrual 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 Recorded investment in financing receivables that are current and non accrual. Financing Receivable Recorded Investment Current And Non Accrual Current and non-accrual Elements refers to Purchased credit impaired (PCI) loans. Purchased Credit Impaired Loans PCI 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 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 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 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. 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 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 Fair Value Assets And Liabilities Measured On NonRecurring Basis [Abstract] Fair value assets and liabilities measured on non-recurring basis [Abstract] 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 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 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 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] Holding period, used as an input to measure fair value. Fair Value Inputs Holding period Holding period Percentage of selling costs, used as an input to measure fair value. Fair Value Inputs Selling costs Selling costs Appraised collateral values valuation technique used to measure fair value. Appraised Collateral Values [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] 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 RESTRICTIONS ON CASH AND DUE FROM BANKS [Abstract] Disclosure of accounting policy for cash flows. Cash Flows [Policy Text Block] Cash Flows 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 trust assets and income. Trust Assets and Income [Policy Text Block] Trust Assets and Income Disclosure of accounting policies for treasury stock. Treasury Stock [Policy Text Block] Treasury Stock Disclosure of accounting policy pertaining to change in accounting principal. Change in Accounting Principal, Policy [Policy Text Block] Change in Accounting Principal The period of time securities fair value less than cost for classification as impaired. Duration securities impaired 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 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 Financing Receivable Modifications [Abstract] Financing receivable modifications [Abstract] 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] 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 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 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 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 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 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 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] The number of capital categories during the period. Number of Capital Categories Number of capital categories 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] Lending limit due to regulatory regulations. Regulatory Lending Limit Regulatory lending limit 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) 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] 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] 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] 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] The typical coverage period for credit extension commitments. Coverage Period For Instruments Coverage period for instruments Refers to state name in US Schuylkill County [Member] Refers to state name in US. Berks County [Member] Refers to state name in US Lebanon County [Member] Refers to fair value of specific credit non amortizing. Business Combination Fair Value Specific Credit Non Amortizing Specific credit - non-amortizing Refers to fair value of covenant not to compete. Business Combination Fair Value Covenant Not to Compete Covenant not to compete Refers to mortgage servicing rights. Mortgage Servicing Rights [Member] MSR [Member] 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 specific credit amortizing. Business Combination Fair Value Specific Credit Amortizing Specific credit - amortizing Refers to number of branches. Number of Branches Refers to fair value of deferred tax assets. Business Combination Fair Value Deferred Tax Assets Deferred tax assets Amount refers to time deposits. Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed time deposits Time deposits 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 Business Combination Consideration in Common Stock [Abstract] Purchase Price Consideration in Common Stock [Abstract] Refers to fair value of other assets. Business Combination Fair Value Other Assets Other assets Refers to fair value of leased premises contracts. Business Combination Fair Value Leased Premises Contracts Leased premises contracts Refers to fair value of premises and equipment. Business Combination Fair Value Premises and Equipment Premises and equipment 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) Summarizes Purchase of First National Bank of Fredericksburg [Abstract] Summarizes the purchase of FNB [Abstract] 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) A company's investment in its wholly-owned subsidiaries as of the balance sheet date . Investments In Subsidiaries First Citizens Community Bank 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 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 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] Amount of reasonable estimate for income tax expense (benefit) for remeasurement of deferred tax from change in tax rate pursuant to Tax Cuts and Jobs Act of 2017 for which accounting for tax effect is incomplete. Tax Cuts and Jobs Act of 2017, Incomplete Accounting, Change in Tax Rate, Provisional Income Tax Expense (Benefit) Change in corporate tax rate 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 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 deferred income tax expense (benefit) excluding the change in corporate tax rate pertaining to income (loss) from continuing operations. Deferred Income Tax Expense (Benefit) Excluding Change in Corporate Tax Rate Deferred tax 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 asset attributable to deductible temporary differences from merger and acquisition costs. Deferred Tax Assets Merger and Acquisition costs Merger & acquisition costs 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 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 The term over which tax credits will be recognized. Tax Credits Recognition term Tax credits recognition period The amount of recognized income tax credits during the period. Recognized Income Tax Credits Tax credits recognized as reduction of tax expense amount 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 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 Represents the number of investments in partnerships as of the Balance Sheet date. Number of Investments in Partnerships Number of investments in partnerships 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 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 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] Refers to the acquiree entity name. First National Bank of Fredericksburg [Member] First National Bank of Fredericksburg [Member] 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 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 The net cash inflow or outflow in Interest-bearing after maturity Deposits by banks in other financial institutions for relatively short periods of time including, for example, certificates of deposits. Proceeds from matured interest bearing time deposits with other banks Represents investments and time deposits 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 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] Amount of Loans, interest, PP&E less deposits, interest and escrow payable associated with the acquisition of business during the period. Business Combination, Loans, Interest, PP&E Less Deposits, Interest and Escrow Payable Loans, interest, PP&E less deposits, interest and escrow payable Refers to fair value of general credit. Business Combination Fair Value General Credit General credit Amount refers to accrued interest payable. Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Accrued Interest Payable Accrued interest payable Accrued interest payable Refers to fair value of core deposit intangible. Business Combination Fair Value Core Deposit Intangible Core deposit intangible Refers to fair value of interest rate. Business Combination Fair Value Interest Rate Interest rate Business Combination Fair Value Loans [Abstract] Loans [Abstract] Business Combination Adjustments to Reflect Assets Acquired at Fair Value [Abstract] Adjustments to reflect assets acquired at fair value [Abstract] The amount of deposits as of the acquisition date. Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Deposits Deposits Amount refers to loans. Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Loans Loans 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 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 Summarizes purchase of Branch [Abstract] Refers to the acquiree entity name. State College Branch [Member] State College Branch [Member] The number of days considered for average deposit balances to pay consideration. Number of Days Considered for Average Deposit Balances Number of days considered for average deposit balances The entire disclosure for a business combination (or series of individually immaterial business combinations) completed during the period, including background, timing, and recognized assets and liabilities. The disclosure may include leverage buyout transactions (as applicable). Business Combination Disclosure of Acquiree [Text Block] ACQUISITION OF STATE COLLEGE BRANCH ACQUISITION OF STATE COLLEGE BRANCH [Abstract] 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. Borrowed Funds And Repurchase Agreements [Text Block] BORROWED FUNDS AND REPURCHASE AGREEMENTS BORROWED FUNDS AND REPURCHASE AGREEMENTS [Abstract] 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 increase (decrease) in accumulated other comprehensive income (AOCI) for reclassification to retained earnings of tax effect from remeasurement of deferred tax pursuant to Tax Cuts and Jobs Act of 2017. Tax Cuts and Jobs Act of 2017, Reclassification from AOCI to Retained Earnings, Tax Effect Reclassification of certain income tax effects from accumulated other comprehensive income Change in other comprehensive income due to change in the federal tax rate 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. 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Document and Entity Information - USD ($)
 12 Months Ended
Dec. 31, 2017
Feb. 26, 2018
Jun. 30, 2017
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     $ 166,105,387
Entity Common Stock, Shares Outstanding   3,484,305  
Document Fiscal Year Focus 2017    
Document Fiscal Period Focus FY    
Document Type 10-K    
Amendment Flag false    
Document Period End Date Dec. 31, 2017    

XML 16 R2.htm IDEA: XBRL DOCUMENT v3.8.0.1
Consolidated Balance Sheet - USD ($)
$ in Thousands
Dec. 31, 2017
Dec. 31, 2016
Cash and cash equivalents:    
Noninterest-bearing $ 16,347 $ 16,854
Interest-bearing 2,170 900
Total cash and cash equivalents 18,517 17,754
Interest bearing time deposits with other banks 10,283 6,955
Available-for-sale securities 254,782 314,017
Loans held for sale 1,439 1,827
Loans (net of allowance for loan losses: 2017, $11,190; 2016, $8,886) 989,335 790,725
Premises and equipment 16,523 17,030
Accrued interest receivable 4,196 4,089
Goodwill 23,296 21,089
Bank owned life insurance 26,883 26,223
Other intangibles 1,953 2,096
Investment sale receivable 0 7,759
Other assets 14,679 13,454
TOTAL ASSETS 1,361,886 1,223,018
Deposits:    
Noninterest-bearing 171,840 147,425
Interest-bearing 933,103 858,078
Total deposits 1,104,943 1,005,503
Borrowed funds 114,664 79,662
Accrued interest payable 897 720
Other liabilities 12,371 13,865
TOTAL LIABILITIES 1,232,875 1,099,750
STOCKHOLDERS' EQUITY:    
Preferred Stock $1.00 par value; authorized 3,000,000 shares 2017 and 2016; none issued in 2017 or 2016 0 0
Common Stock $1.00 par value; authorized 15,000,000 shares 2017 and 2016; issued 3,869,939 and 3,704,375 shares in 2017 and 2016, respectively 3,870 3,704
Additional paid-in capital 51,108 42,250
Retained earnings 89,982 91,278
Accumulated other comprehensive loss (3,398) (1,392)
Treasury stock, at cost: 383,065 and 384,671 shares for 2017 and 2016, respectively (12,551) (12,572)
TOTAL STOCKHOLDERS' EQUITY 129,011 123,268
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 1,361,886 $ 1,223,018
XML 17 R3.htm IDEA: XBRL DOCUMENT v3.8.0.1
Consolidated Balance Sheet (Parenthetical) - USD ($)
$ in Thousands
Dec. 31, 2017
Dec. 31, 2016
ASSETS:    
Loans, allowance for loan losses $ 11,190 $ 8,886
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) 3,869,939 3,704,375
Treasury stock, shares (in shares) 383,065 384,671
XML 18 R4.htm IDEA: XBRL DOCUMENT v3.8.0.1
Consolidated Statement of Income - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
INTEREST AND DIVIDEND INCOME:      
Interest and fees on loans $ 42,127 $ 35,844 $ 29,039
Interest-bearing deposits with banks 186 221 142
Investment securities:      
Taxable 3,095 3,687 3,102
Nontaxable 2,414 2,970 3,152
Dividends 271 283 218
TOTAL INTEREST AND DIVIDEND INCOME 48,093 43,005 35,653
INTEREST EXPENSE:      
Deposits 4,625 4,247 4,113
Borrowed funds 1,214 794 707
TOTAL INTEREST EXPENSE 5,839 5,041 4,820
NET INTEREST INCOME 42,254 37,964 30,833
Provision for loan losses 2,540 1,520 480
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 39,714 36,444 30,353
NON-INTEREST INCOME:      
Service charges 4,456 4,461 4,126
Trust 755 693 673
Brokerage and insurance 635 766 720
Investment securities gains, net 1,035 255 429
Gains on loans sold 578 449 404
Earnings on bank owned life insurance 660 688 628
Other 537 587 443
TOTAL NON-INTEREST INCOME 8,656 7,899 7,423
NON-INTEREST EXPENSES:      
Salaries and employee benefits 17,456 16,410 12,504
Occupancy 1,988 1,900 1,424
Furniture and equipment 603 644 506
Professional fees 1,039 1,094 846
Federal depository insurance 385 572 464
Pennsylvania shares tax 705 690 713
Amortization of intangibles 297 327 0
Merger and acquisition 165 0 1,103
ORE expenses 655 389 969
Other 6,021 6,645 4,900
TOTAL NON-INTEREST EXPENSES 29,314 28,671 23,429
Income before provision for income taxes 19,056 15,672 14,347
Provision for income taxes 6,031 3,034 2,721
NET INCOME $ 13,025 $ 12,638 $ 11,626
PER COMMON SHARE DATA:      
NET INCOME - BASIC (in dollars per share) $ 3.74 $ 3.60 $ 3.60
NET INCOME - DILUTED (in dollars per share) 3.74 3.60 3.60
CASH DIVIDENDS PER SHARE (in dollars per share) $ 1.67 $ 1.58 $ 1.63
Number of shares used in computation - basic (in shares) 3,481,366 3,507,497 3,229,470
Number of shares used in computation - diluted (in shares) 3,483,090 3,509,053 3,230,830
XML 19 R5.htm IDEA: XBRL DOCUMENT v3.8.0.1
Consolidated Statement of Changes in Comprehensive Income - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Consolidated Statement of Changes in Comprehensive Income [Abstract]      
Net income $ 13,025 $ 12,638 $ 11,626
Securities available for sale      
Unrealized holding loss during the period (1,283) (1,105) (920)
Income tax benefit 436 375 314
Securities available for sale (847) (730) (606)
Reclassification adjustment for (gains) losses included in income (1,035) (255) (429)
Income tax benefit 352 87 146
Reclassification (683) (168) (283)
Change in unrecognized pension costs 127 (391) (172)
Income tax benefit (44) 133 58
Pension costs 83 (258) (114)
Net other comprehensive income (1,447) (1,156) (1,003)
Comprehensive income $ 11,578 $ 11,482 $ 10,623
XML 20 R6.htm IDEA: XBRL DOCUMENT v3.8.0.1
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, 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       (1,003)   (1,003)
Stock issued for acquisition $ 337 15,647 0     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       (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
Sale of treasury stock   (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          
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Net income     13,025     13,025
Net other comprehensive income       (1,447)   (1,447)
Stock dividend $ 166 8,857 (9,023)     0
Stock dividend (in shares) 165,564          
Purchase of treasury stock         (979) (979)
Restricted stock, executive and Board of Director awards   (224)     296 72
Restricted stock vesting   206       206
Sale of treasury stock   0     43 43
Forfeited restricted stock   2     (2) 0
Reclassification of certain income tax effects from accumulated other comprehensive income     559 (559)   0
Cash dividend reinvestment paid from treasury stock   17 (680)   663 0
Cash dividends     (5,177)     (5,177)
Balance at Dec. 31, 2017 $ 3,870 $ 51,108 $ 89,982 $ (3,398) $ (12,551) $ 129,011
Balance (in shares) at Dec. 31, 2017 3,869,939          
XML 21 R7.htm IDEA: XBRL DOCUMENT v3.8.0.1
Consolidated Statement of Changes in Stockholders' Equity (Parenthetical) - $ / shares
 3 Months Ended 12 Months Ended
Jun. 30, 2017
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Consolidated Statement of Changes in Stockholders' Equity [Abstract]        
Purchase of treasury stock (in shares)   17,990 66,110 49,465
Cash dividends (in dollars per share)   $ 1.67 $ 1.58 $ 1.63
Stock dividend percentage 5.00%      
Dividend paid date   Jun. 30, 2017    
XML 22 R8.htm IDEA: XBRL DOCUMENT v3.8.0.1
Consolidated Statement of Cash Flows - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Cash Flows from Operating Activities:          
Net income $ 2,604 $ 3,171 $ 13,025 $ 12,638 $ 11,626
Adjustments to reconcile net income to net cash provided by operating activities:          
Provision for loan losses 800 750 2,540 1,520 480
Depreciation and amortization     200 320 464
Amortization and accretion on investment securities, net     1,441 2,302 2,057
Deferred income taxes     1,448 362 (192)
Investment securities gains, net (831) (100) (1,035) (255) (429)
Earnings on bank owned life insurance     (660) (688) (628)
Stock awards     278 284 179
Originations of loans held for sale     (25,305) (22,237) (18,945)
Proceeds from sales of loans held for sale     26,086 21,462 19,243
Realized gains on loans sold     (578) (449) (404)
(Increase) decrease in accrued interest receivable     (34) 122 (285)
Increase (decrease) in accrued interest payable     147 (14) (36)
Other, net     (1,814) 827 (319)
Net cash provided by operating activities     15,739 16,194 12,811
Available-for-sale securities:          
Proceeds from sales of available-for-sale securities     58,177 22,372 30,464
Proceeds from maturity and principal repayments of securities     60,081 67,782 48,103
Purchase of securities     (54,003) (55,600) (111,304)
Proceeds from redemption of Regulatory Stock     7,425 1,556 4,476
Purchase of Regulatory Stock     (8,903) (3,403) (3,879)
Net increase in loans     (161,127) (103,915) (25,981)
Purchase of interest bearing time deposits     (7,301) 0 (500)
Proceeds from matured interest bearing time deposits with other banks     744 744 0
Proceeds from sale of interest bearing time deposits with other banks     3,243 0 0
Purchase of premises, equipment and software     (208) (587) (776)
Proceeds from sale of premises and equipment     0 0 0
Proceeds from sale of foreclosed assets held for sale     846 973 565
Acquisition, net of cash paid     (4,399) 0 77,895
Net cash used in investing activities     (105,425) (70,078) 19,063
Cash Flows from Financing Activities:          
Net (decrease) increase in deposits     61,560 17,472 (11,132)
Proceeds from long-term borrowings     9 543 5,291
Repayments of long-term borrowings     (2,000) (534) (700)
Net increase (decrease) in short-term borrowed funds     36,993 38,022 (4,759)
Purchase of treasury stock     (979) (3,227) (2,455)
Purchase of restricted stock     0 0 (7)
Reissuance of treasury stock to employee stock purchase plan     43 59 0
Dividends paid     (5,177) (5,081) (5,151)
Net cash provided by (used in) financing activities     90,449 47,254 (18,913)
Net increase (decrease) in cash and cash equivalents     763 (6,630) 12,961
Cash and Cash Equivalents at Beginning of Year     17,754 24,384 11,423
Cash and Cash Equivalents at End of Year 18,517 17,754 18,517 17,754 24,384
Supplemental Disclosures of Cash Flow Information:          
Interest paid     5,662 5,055 4,841
Income taxes paid     4,550 2,475 3,375
Non-cash activities:          
Stock dividend     9,023 1,574 0
Real estate acquired in settlement of loans     911 599 323
Investments sold and not settled included in other assets     0 7,759 0
Non-cash assets acquired          
Goodwill 23,296 21,089 23,296 21,089  
First National Bank of Fredericksburg [Member]          
Non-cash assets acquired          
Available-for-sale securities 0 0 0 0 23,831
Interest bearing time deposits with other banks 0 0 0 0 1,236
Loans 39,847 0 39,847 0 115,211
Premises and equipment 86 0 86 0 4,743
Accrued interest receivable 74 0 74 0 282
Bank-owned life insurance 0 0 0 0 4,598
Intangibles 145 0 145 0 1,981
Deferred tax asset 0 0 0 0 2,979
Other assets 0 0 0 0 2,332
Goodwill 2,207 0 2,207 0 10,833
Total Non-cash assets acquired 42,359 0 42,359 0 168,026
Liabilities assumed          
Noninterest-bearing deposits 37,880 0 37,880 0 71,971
Interest-bearing deposits 0 0 0 0 153,259
Accrued interest payable 29 0 29 0 14
Other liabilities 51 0 51 0 4,693
Total liabilities assumed 37,960 0 37,960 0 229,937
Net non-cash assets (liabilities) acquired 4,399 0 4,399 0 (61,911)
Cash and cash equivalents acquired $ 154 $ 0 $ 154 $ 0 $ 83,514
XML 23 R9.htm IDEA: XBRL DOCUMENT v3.8.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
 12 Months Ended
Dec. 31, 2017
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).  On December 8, 2017, the Bank completed its acquisition of the S&T branch in State College (State College). As of December 31, 2017, the Bank operates twenty six full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill and Centre counties, Pennsylvania and Allegany County, New York, and a limited branch office in both Union and Lancaster counties, 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, pension plans 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, services and regions, 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, 2017 and 2016.
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, 2017 and 2016.
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:
·
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.
Purchased Credit Impaired Loans
The Company purchased loans in connection with its acquisition of FNB in 2015 and its acquisition of the State College branch  in 2017, 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, as 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, other than goodwill, 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 2017, 2016 or 2015.
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 of $578,000 and $569,000 under split-dollar benefit agreements to former employees and directors or their beneficiaries have been recognized as liabilities on the consolidated balance sheet.at December 31, 2017 and 2016.
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. The Tax Cuts and Jobs Act, enacted on December 22, 2017, lowered the federal corporate income tax rate from 34% to 21% effective January 1, 2018. As a result, the carrying value of net deferred tax assets was reduced which increased income tax expense by $1,531,000.
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 and amounted to $343,000, $356,000 and $243,000 for the years ended December 31, 2017, 2016 and 2015, respectively.
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.
Change in Accounting Principal
On February 14, 2018, the Financial Accounting Standards Board finalized ASU 2018-02 - Income Statement-Reporting Comprehensive Income (Topic 220). This accounting standard allows Companies to reclassify the "stranded" tax effect in accumulated other comprehensive income that resulted from the U.S. federal government enacted a tax bill, H.R.1, An Act to Provide for Reconciliation Pursuant to Titles II and V of the Concurrent Resolution on the Budget for Fiscal Year 2018 (Tax Cuts and Jobs Act), which requires deferred tax liabilities and assets to be adjusted for the effect of a change in tax laws.
The Company has elected to early-adopt this accounting standard, which provides a benefit to the financial statements by more accurately aligning the impacts of the items carried in accumulated other comprehensive income with the associate tax effect.  The adoption was applied on a modified retrospective and resulted in a one-time cumulative effect adjustment of $559,000 between Retained Earnings and Accumulated Other Comprehensive Income on the Consolidated Balance Sheet as of the beginning of the current period.  The adjustment had no impact on Net Income or any prior periods presented.
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.  Since the guidance scopes out revenue associated with financial instruments, including loan receivables and investment securities, we do not expect the adoption of 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 revenue is 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.  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. Upon adoption on January 1, 2018, the Company made a one-time cumulative effect adjustment from accumulated other comprehensive income to retained earnings of $1,000.  The net effect was a decrease to retained earnings.
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 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, 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), 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 2016-18, 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 2016-20, 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.  This Update is not expected to have a significant impact on the Company's financial statements.
 
In January 2017, the FASB issued ASU 2017-04, Simplifying the Test for Goodwill Impairment. To simplify the subsequent measurement of goodwill, the FASB eliminated Step 2 from the goodwill impairment test.  In computing the implied fair value of goodwill under Step 2, an entity had to perform procedures to determine the fair value at the impairment testing date of its assets and liabilities (including unrecognized assets and liabilities) following the procedure that would be required in determining the fair value of assets acquired and liabilities assumed in a business combination.  Instead, under the amendments in this Update, an entity should perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting units fair value; however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit.  A public business entity that is a U.S. Securities and Exchange Commission (SEC) filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. A public business entity that is not an SEC filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2020.  All other entities, including not-for-profit entities, that are adopting the amendments in this Update should do so for their annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2021. This Update is not expected to have a significant impact on the Company's financial statements.
In March 2017, the FASB issued ASU 2017-07, Compensation—Retirement Benefits (Topic 715). The amendments in this Update require that an employer report the service cost component in the same line item or items as other compensation costs arising from services rendered by the pertinent employees during the period.  The other components of net benefit cost as defined in paragraphs 715-30-35-4 and 715-60-35-9 are required to be presented in the income statement separately from the service cost component and outside a subtotal of income from operations, if one is presented. If a separate line item or items are used to present the other components of net benefit cost, that line item or items must be appropriately described. If a separate line item or items are not used, the line item or items used in the income statement to present the other components of net benefit cost must be disclosed.  The amendments in this Update are effective for public business entities for annual periods beginning after December 15, 2017, including interim periods within those annual periods. For other entities, the amendments in this Update are effective for 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 retrospectively for the presentation of the service cost component and the other components of net periodic pension cost and net periodic postretirement benefit cost in the income statement and prospectively, on and after the effective date, for the capitalization of the service cost component of net periodic pension cost and net periodic postretirement benefit in assets. This Update is not expected to have a significant impact on the Company's financial statements.
 
In March 2017, the FASB issued ASU 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20). The amendments in this Update shorten the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity.  For public business entities, the amendments in this Update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018.  For all other entities, the amendments are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020.  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 should apply the amendments in this Update on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosures about a change in accounting principle.  This Update is not expected to have a significant impact on the Company's financial statements.
 
In July 2017, the FASB issued ASU 2017-11, Earnings Per Share (Topic 260), Distinguishing Liabilities from Equity (Topic 480), and Derivative and Hedging (Topic 815). The amendments in Part I of this Update change the classification analysis of certain equity-linked financial instruments (or embedded features) with down-round features. When determining whether certain financial instruments should be classified as liabilities or equity instruments, a down-round feature no longer precludes equity classification when assessing whether the instrument is indexed to an entity's own stock. The amendments also clarify existing disclosure requirements for equity-classified instruments. As a result, a freestanding equity-linked financial instrument (or embedded conversion option) no longer would be accounted for as a derivative liability at fair value as a result of the existence of a down-round feature. For freestanding equity classified financial instruments, the amendments require entities that present earnings per share (EPS) in accordance with Topic 260 to recognize the effect of the down-round feature when it is triggered. That effect is treated as a dividend and as a reduction of income available to common shareholders in basic EPS. Convertible instruments with embedded conversion options that have down- round features are now subject to the specialized guidance for contingent beneficial conversion features (in Subtopic 470-20, Debt—Debt with Conversion and Other Options), including related EPS guidance (in Topic 260). The amendments in Part II of this Update recharacterize the indefinite deferral of certain provisions of Topic 480 that now are presented as pending content in the Accounting Standards Codification, to a scope exception. Those amendments do not have an accounting effect. For public business entities, the amendments in Part I of this Update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. For all other entities, the amendments in Part I of this Update are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. Early adoption is permitted for all entities, 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 Part I of this Update should be applied either retrospectively to outstanding financial instruments with a down-round feature by means of a cumulative-effect adjustment to the statement of financial position as of the beginning of the first fiscal year and interim period(s) in which the pending content that links to this paragraph is effective or retrospectively to outstanding financial instruments with a down-round feature for each prior reporting period presented in accordance with the guidance on accounting changes in paragraphs 250-10-45-5 through 45-10. The amendments in Part II of this Update do not require any transition guidance because those amendments do not have an accounting effect.  This Update is not expected to have a significant impact on the Company's financial statements.
In August 2017, the FASB issued ASU 2017-12, Derivatives and Hedging (Topic 850), the objective of which is to improve the financial reporting of hedging relationships to better portray the economic results of an entity's risk management activities in its financial statements. In addition, the amendments in this Update make certain targeted improvements to simplify the application and disclosure of the hedge accounting guidance in current general accepted accounting principles.  For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2018, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2019, and interim periods beginning after December 15, 2020. Early application is permitted in any period after issuance.  For cash flow and net investment hedges existing at the date of adoption, an entity should apply a cumulative-effect adjustment related to eliminating the separate measurement of ineffectiveness to accumulated other comprehensive income with a corresponding adjustment to the opening balance of retained earnings as of the beginning of the fiscal year that an entity adopts the amendments in this Update. The amended presentation and disclosure guidance is required only prospectively. The Company is currently evaluating the impact the adoption of the standard will have on the Company's financial position or results of operations.
 
In January 2018, the FASB issued ASU 2018-01, Leases (Topic 842), which provides an optional transition practical expedient to not evaluate under Topic 842 existing or expired land easements that were not previously accounted for as leases under the current lease guidance in Topic 840.  An entity that elects this practical expedient should evaluate new or modified land easements under Topic 842 beginning at the date the entity adopts Topic 842; otherwise, an entity should evaluate all existing or expired land easements in connection with the adoption of the new lease requirements in Topic 842 to assess whether they meet the definition of a lease.  The effective date and transition requirements for the amendments are the same as the effective date and transition requirements in ASU 2016-02.  This Update is not expected to have a significant impact on the Company's financial statements.
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.
  
2017
  
2016
  
2015
 
          
Basic earnings per share computation:
         
Net income applicable to common stock
 
$
13,025,000
  
$
12,638,000
  
$
11,626,000
 
Weighted average common shares outstanding
  
3,481,366
   
3,507,497
   
3,229,470
 
Earnings per share - basic
 
$
3.74
  
$
3.60
  
$
3.60
 
 
            
Diluted earnings per share computation:
            
Net income applicable to common stock
 
$
13,025,000
  
$
12,638,000
  
$
11,626,000
 
 
            
Weighted average common shares outstanding for basic earnings per share
  
3,481,366
   
3,507,497
   
3,229,470
 
Add: Dilutive effects of restricted stock
  
1,724
   
1,556
   
1,360
 
Weighted average common shares outstanding for dilutive earnings per share
  
3,483,090
   
3,509,053
   
3,230,830
 
Earnings per share - dilutive
 
$
3.74
  
$
3.60
  
$
3.60
 
 
Nonvested shares of restricted stock totaling 3,403, 3,087 and 2,105 were outstanding during 2017, 2016 and 2015, 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, $46.69-$53.15 and $50.15-$53.15 for  2017, 2016 and  2015, 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 24 R10.htm IDEA: XBRL DOCUMENT v3.8.0.1
RESTRICTIONS ON CASH AND DUE FROM BANKS
 12 Months Ended
Dec. 31, 2017
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 $2,645,000 and $2,297,000 at December 31, 2017 and 2016, 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 25 R11.htm IDEA: XBRL DOCUMENT v3.8.0.1
INVESTMENT SECURITIES
 12 Months Ended
Dec. 31, 2017
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, 2017 and 2016 were as follows (in thousands):
 
     
Gross
  
Gross
    
  
Amortized
  
Unrealized
  
Unrealized
  
Fair
 
2017
 
Cost
  
Gains
  
Losses
  
Value
 
Available-for-sale securities:
            
  U.S. Agency securities
 
$
99,454
  
$
26
  
$
(593
)
 
$
98,887
 
  U.S. Treasuries
  
28,782
   
-
   
(178
)
  
28,604
 
  Obligations of state and
                
    political subdivisions
  
78,409
   
820
   
(139
)
  
79,090
 
  Corporate obligations
  
3,000
   
83
   
-
   
3,083
 
  Mortgage-backed securities in
                
    government sponsored entities
  
45,385
   
19
   
(377
)
  
45,027
 
  Equity securities in financial institutions
  
92
   
-
   
(1
)
  
91
 
Total available-for-sale securities
 
$
255,122
  
$
948
  
$
(1,288
)
 
$
254,782
 
                 
     
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
 
 
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, 2017 and 2016 (in thousands).  As of December 31, 2017, the Company owned 122 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
 
2017
 
Value
  
Losses
  
Value
  
Losses
  
Value
  
Losses
 
U.S. Agency securities
 
$
74,952
  
$
(421
)
 
$
16,928
  
$
(172
)
 
$
91,880
  
$
(593
)
U.S. Treasuries
  
28,604
   
(178
)
  
-
   
-
   
28,604
   
(178
)
Obligations of states and
                        
     political subdivisions
  
14,885
   
(85
)
  
5,958
   
(54
)
  
20,843
   
(139
)
Mortgage-backed securities in
                        
     government sponsored entities
  
27,154
   
(190
)
  
13,822
   
(187
)
  
40,976
   
(377
)
  Equity securities in financial institutions
  
91
   
(1
)
  
-
   
-
   
91
   
(1
)
    Total securities
 
$
145,686
  
$
(875
)
 
$
36,708
  
$
(413
)
 
$
182,394
  
$
(1,288
)
                         
2016
                        
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
)
 
As of December 31, 2017, 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, U.S Treasury securities, obligations of states and political subdivisions, mortgage backed securities in government sponsored entities and equity securities in financial institutions. For fixed maturity investments management considers whether the present value of cash flows expected to be collected are less than the security's amortized cost basis (the difference defined as the credit loss), the magnitude and duration of the decline, the reasons underlying the decline and the Company's intent to sell the security or whether it is more likely than not that the Company would be required to sell the security before its anticipated recovery in market value, to determine whether the loss in value is other than temporary. Once a decline in value is determined to be other than temporary, if the Company does not intend to sell the security, and it is more-likely-than-not that it will not be required to sell the security, before recovery of the security's amortized cost basis, the charge to earnings is limited to the amount of credit loss. Any remaining difference between fair value and amortized cost (the difference defined as the non-credit portion) is recognized in other comprehensive income, net of applicable taxes. Otherwise, the entire difference between fair value and amortized cost is charged to earnings. For equity securities where the fair value has been significantly below cost for one year, the Company's policy is to recognize an impairment loss unless sufficient evidence is available that the decline is not other than temporary and a recovery period can be predicted.  As of December 31, 2017 and 2016, 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 2017, 2016 and, 2015 were $58,177,000, $22,372,000 and  $30,464,000, respectively. The gross gains realized during 2017 consisted of $23,000, $20,000, $13,000 and $1,149,000 from the sales of ten agency securities, one mortgage backed security, thirteen interest bearing time deposits with other banks and five equity security positions, respectively. The gross losses realized during 2017 consisted of $170,000 from the sale of fourteen agency securities. 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. Gross gains and gross losses were realized as follows (in thousands):
 
 
 
2017
  
2016
  
2015
 
Gross gains
 
$
1,205
  
$
312
  
$
440
 
Gross losses
  
(170
)
  
(57
)
  
(11
)
Net (losses) gains
 
$
1,035
  
$
255
  
$
429
 
 
Investment securities with an approximate carrying value of $243,382,000 and $206,322,000 at December 31, 2017 and 2016, 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, 2017, 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
 
$
45,328
  
$
45,369
 
  Due after one year through five years
  
118,597
   
118,331
 
  Due after five years through ten years
  
31,687
   
31,676
 
  Due after ten years
  
59,418
   
59,315
 
Total
 
$
255,030
  
$
254,691
 
XML 26 R12.htm IDEA: XBRL DOCUMENT v3.8.0.1
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES
 12 Months Ended
Dec. 31, 2017
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, 2017 and 2016, 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, 2017 and 2016 (in thousands):
2017
 
Total Loans
  
Individually evaluated for impairment
  
Loans acquired with deteriorated credit quality
  
Collectively evaluated for impairment
 
Real estate loans:
            
     Residential
 
$
214,479
  
$
1,065
  
$
33
  
$
213,381
 
     Commercial
  
308,084
   
13,864
   
1,460
   
292,760
 
     Agricultural
  
239,957
   
3,901
   
702
   
235,354
 
     Construction
  
13,502
   
-
   
-
   
13,502
 
Consumer
  
9,944
   
8
   
-
   
9,936
 
Other commercial loans
  
72,013
   
4,197
   
443
   
67,373
 
Other agricultural loans
  
37,809
   
1,363
   
-
   
36,446
 
State and political subdivision loans
  
104,737
   
-
   
-
   
104,737
 
Total
  
1,000,525
   
24,398
   
2,638
   
973,489
 
Allowance for loan losses
  
11,190
   
410
   
-
   
10,780
 
Net loans
 
$
989,335
  
$
23,988
  
$
2,638
  
$
962,709
 
                 
2016
                
Real estate loans:
                
     Residential
 
$
207,423
  
$
957
  
$
35
  
$
206,431
 
     Commercial
  
252,577
   
5,742
   
1,969
   
244,866
 
     Agricultural
  
123,624
   
3,347
   
738
   
119,539
 
     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
   
1,653
   
-
   
21,735
 
State and political subdivision loans
  
97,514
   
-
   
-
   
97,514
 
Total
  
799,611
   
17,693
   
3,367
   
778,551
 
Allowance for loan losses
  
8,886
   
487
   
-
   
8,399
 
Net loans
 
$
790,725
  
$
17,206
  
$
3,367
  
$
770,152
 
 
As of December 31, 2017 and 2016, net unamortized loan fees and costs of $794,000 and $732,000, respectively, were included in the carrying value of loans. Purchased loans acquired in connection with the FNB acquisition and the State College branch 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 $2,638,000 and $3,367,000 at December 31, 2017 and December 31, 2016, 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, 2017 and 2016 (in thousands):
 
 
 
December 31, 2017
  
December 31, 2016
 
Balance at beginning of period
 
$
389
  
$
637
 
Accretion
  
(632
)
  
(349
)
Reclassification of non-accretable discount
  
349
   
101
 
Balance at end of period
 
$
106
  
$
389
 
The following table presents additional information regarding PCI loans (in thousands):
 
  
December 31, 2017
  
December 31, 2016
 
Outstanding balance
 
$
5,295
  
$
6,487
 
Carrying amount
  
2,638
   
3,367
 
 
Real estate loans serviced for Freddie Mac, Fannie Mae and the FHLB, which are not included in the Consolidated Balance Sheet, totaled $142,972,000 and $135,404,000 at December 31, 2017 and 2016, respectively. Loans sold to Freddie Mac and Fannie Mae were sold without recourse and total $114,643,000 and $102,444,000 at December 31, 2017 and 2016, 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 $28,329,000 and $32,960,000 at December 31, 2017 and 2016, respectively. The FHLB maintains a first-loss position for the MPF portfolio that totals $123,000. Should the FHLB exhaust its first-loss position, recourse to the Bank's credit enhancement would be up to the next $980,000 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, 2017 and 2016, if applicable (in thousands):
 
 
    
Recorded
  
Recorded
       
 
 
Unpaid
  
Investment
  
Investment
  
Total
    
 
 
Principal
  
With No
  
With
  
Recorded
  
Related
 
2017 
 
Balance
  
Allowance
  
Allowance
  
Investment
  
Allowance
 
Real estate loans:
               
     Mortgages
 
$
1,055
  
$
273
  
$
700
  
$
973
  
$
47
 
     Home Equity
  
92
   
40
   
52
   
92
   
9
 
     Commercial
  
16,363
   
13,154
   
710
   
13,864
   
94
 
     Agricultural
  
5,231
   
3,283
   
618
   
3,901
   
3
 
Consumer
  
10
   
2
   
6
   
8
   
-
 
Other commercial loans
  
4,739
   
3,766
   
431
   
4,197
   
231
 
Other agricultural loans
  
1,397
   
1,238
   
125
   
1,363
   
26
 
Total
 
$
28,887
  
$
21,756
  
$
2,642
  
$
24,398
  
$
410
 
 
                    
 2016
                    
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
 
 
The following table includes the average investment in impaired loans and the income recognized on impaired loans for 2017, 2016 and 2015 (in thousands):
 
 
       
Interest
 
 
 
Average
  
Interest
  
Income
 
 
 
Recorded
  
Income
  
Recognized
 
2017
 
Investment
  
Recognized
  
Cash Basis
 
Real estate loans:
         
     Mortgages
 
$
900
  
$
13
  
$
-
 
     Home Equity
  
67
   
4
   
-
 
     Commercial
  
11,567
   
385
   
7
 
     Agricultural
  
3,574
   
131
   
-
 
Consumer
  
3
   
-
   
-
 
Other commercial loans
  
4,790
   
152
   
52
 
Other agricultural loans
  
1,491
   
65
   
-
 
Total
 
$
22,392
  
$
750
  
$
59
 
 
            
2016
            
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
 
 
        
Interest
 
  
Average
  
Interest
  
Income
 
 
 
Recorded
  
Income
  
Recognized
 
2015
 
Investment
  
Recognized
  
Cash Basis
 
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
 
 
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 50% of the dollar volume of the commercial loan portfolio on an annual basis, 2) review new loans originated 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, 2017 and 2016 (in thousands):

2017 
 
Pass
  
Special Mention
  
Substandard
  
Doubtful
  
Loss
  
Ending Balance
 
Real estate loans:
                  
     Commercial
 
$
281,742
  
$
15,029
  
$
11,271
  
$
42
  
$
-
  
$
308,084
 
     Agricultural
  
222,198
   
11,538
   
6,221
   
-
   
-
   
239,957
 
     Construction
  
13,364
   
-
   
138
   
-
   
-
   
13,502
 
Other commercial loans
  
67,706
   
615
   
3,567
   
125
   
-
   
72,013
 
Other agricultural loans
  
34,914
   
1,325
   
1,570
   
-
   
-
   
37,809
 
State and political subdivision loans
  
94,125
   
-
   
10,612
   
-
   
-
   
104,737
 
Total
 
$
714,049
  
$
28,507
  
$
33,379
  
$
167
  
$
-
  
$
776,102
 

2016 
 
Pass
  
Special Mention
  
Substandard
  
Doubtful
  
Loss
  
Ending Balance
 
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
 
 
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, 2017 and 2016 (in thousands):
 
2017
 
Performing
  
Non-performing
  
PCI
  
Total
 
Real estate loans:
            
     Mortgages
 
$
152,820
  
$
1,492
  
$
33
  
$
154,345
 
     Home Equity
  
60,022
   
112
   
-
   
60,134
 
Consumer
  
9,895
   
49
   
-
   
9,944
 
Total
 
$
222,737
  
$
1,653
  
$
33
  
$
224,423
 
 
                
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
 
 
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, 2017 and 2016 (in thousands):

 
 
30-59 Days
  
60-89 Days
  
90 Days
  
Total Past
       
Total Financing
  
90 Days and
 
2017
 
Past Due
  
Past Due
  
Or Greater
  
Due
  
Current
  
PCI
    Receivables  
Accruing
 
Real estate loans:
                     
     Mortgages
 
$
996
  
$
362
  
$
810
  
$
2,168
  
$
152,144
  
$
33
  
$
154,345
  
$
218
 
     Home Equity
  
277
   
86
   
78
   
441
   
59,693
   
-
   
60,134
   
-
 
     Commercial
  
1,353
   
1,010
   
3,865
   
6,228
   
300,396
   
1,460
   
308,084
   
162
 
     Agricultural
  
242
   
-
   
205
   
447
   
238,808
   
702
   
239,957
   
30
 
     Construction
  
-
   
-
   
133
   
133
   
13,369
   
-
   
13,502
   
-
 
Consumer
  
53
   
33
   
49
   
135
   
9,809
   
-
   
9,944
   
7
 
Other commercial loans
  
132
   
-
   
2,372
   
2,504
   
69,066
   
443
   
72,013
   
32
 
Other agricultural loans
  
-
   
42
   
106
   
148
   
37,661
   
-
   
37,809
   
106
 
State and political
                                
   subdivision loans
  
-
   
-
   
-
   
-
   
104,737
   
-
   
104,737
   
-
 
Total
 
$
3,053
  
$
1,533
  
$
7,618
  
$
12,204
  
$
985,683
  
$
2,638
  
$
1,000,525
  
$
555
 
 
                                
Loans considered non-accrual
 
$
816
  
$
281
  
$
7,063
  
$
8,160
  
$
2,011
  
$
-
  
$
10,171
     
Loans still accruing
  
2,237
   
1,252
   
555
   
4,044
   
983,672
   
2,638
   
990,354
     
Total
 
$
3,053
  
$
1,533
  
$
7,618
  
$
12,204
  
$
985,683
  
$
2,638
  
$
1,000,525
     
                                 
2016
                                
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
     
 
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, 2017 and 2016, respectively. The balances are presented by class of loan (in thousands):

 
 
2017
  
2016
 
Real estate loans:
      
     Mortgages
 
$
1,274
  
$
1,475
 
     Home Equity
  
112
   
95
 
     Commercial
  
5,192
   
4,445
 
     Agricultural
  
175
   
1,340
 
     Construction
  
133
   
-
 
Consumer
  
42
   
42
 
Other commercial loans
  
2,637
   
4,057
 
Other agricultural loans
  
606
   
-
 
 
 
$
10,171
  
$
11,454
 
 
Interest income on loans would have increased by approximately $709,000, $603,000 and $463,000 during 2017, 2016 and 2015, 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, 2017, 2016 and 2015, included within the allowance for loan losses are reserves of $41,000, $29,000 and $37,000, respectively, that are associated with loans modified as TDRs.
 
Loan modifications that are considered TDRs completed during the years ended December 31, 2017, 2016 and 2015 were as follows (dollars in thousands):

  
Number of contracts
  
Pre-modification Outstanding Recorded Investment
  
Post-Modification Outstanding Recorded Investment
 
  2017
 
Interest Modification
  
Term Modification
  
Interest Modification
  
Term Modification
  
Interest Modification
  
Term Modification
 
Real estate loans:
                  
     Home Equity
  
-
   
1
  
$
-
  
$
25
  
$
-
  
$
25
 
     Commercial
  
-
   
5
   
-
   
7,021
   
-
   
7,021
 
     Agricultural
  
-
   
4
   
-
   
1,475
   
-
   
1,475
 
Other commercial loans
  
-
   
1
   
-
   
9
   
-
   
9
 
Other agricultural loans
  
-
   
1
   
-
   
161
   
-
   
161
 
Total
  
-
   
12
  
$
-
  
$
8,691
  
$
-
  
$
8,691
 
                         
 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
 
 
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, 2017, 2016 and 2015, respectively, and that subsequently defaulted during these reporting periods (dollars in thousands):
 
 
 
December 31, 2017
  
December 31, 2016
  
December 31, 2015
 
 
 
Number of
contracts
  
Recorded
investment
  
Number of
contracts
  
Recorded
investment
  
Number of
 contracts
  
Recorded
investment
 
 
                  
Other agricultural loans
  
2
  
$
632
   
-
  
$
-
   
-
  
$
-
 
Total recidivism
  
2
  
$
632
   
-
  
$
-
   
-
  
$
-
 
 
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, 2017 and 2016 included with other assets are $1,119,000, and $1,036,000, respectively, of foreclosed assets. As of December 31, 2017, included within the foreclosed assets is $254,000 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, 2017, the Company has initiated formal foreclosure proceedings on $1,600,000 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, 2017, 2016 and 2015 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, 2017, 2016 and 2015 (in thousands):
 
 
 
Balance at
December 31, 2016
  
Charge-offs
  
Recoveries
  
Provision
(Benefit)
  
Balance at
December 31, 2017
  
Individually
evaluated for impairment
  
Collectively
evaluated for impairment
 
Real estate loans:
                     
     Residential
 
$
1,064
  
$
(107
)
 
$
-
  
$
92
  
$
1,049
  
$
56
  
$
993
 
     Commercial
  
3,589
   
(41
)
  
11
   
308
   
3,867
   
94
   
3,773
 
     Agricultural
  
1,494
   
(30
)
  
-
   
1,679
   
3,143
   
3
   
3,140
 
     Construction
  
47
   
-
   
-
   
(24
)
  
23
   
-
   
23
 
Consumer
  
122
   
(130
)
  
49
   
83
   
124
   
-
   
124
 
Other commercial loans
  
1,327
   
-
   
16
   
(71
)
  
1,272
   
231
   
1,041
 
Other agricultural loans
  
312
   
(5
)
  
1
   
184
   
492
   
26
   
466
 
State and political
                            
  subdivision loans
  
833
   
-
   
-
   
(17
)
  
816
   
-
   
816
 
Unallocated
  
98
   
-
   
-
   
306
   
404
   
-
   
404
 
Total
 
$
8,886
  
$
(313
)
 
$
77
  
$
2,540
  
$
11,190
  
$
410
  
$
10,780
 
 
                            
 
 
Balance at
December 31, 2015
  
Charge-offs
  
Recoveries
  
Provision
(Benefit)
  
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
(Benefit)
  
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
 
 
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 portfolio segments:
2017
Residential - There was an increase in the historical loss factor for residential loans when comparing 2016 and 2017. The specific reserve for residential loans increased slightly between 2016 and 2017.   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.  The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for residential loan categories due to an decrease in the unemployment rates in the local economy during 2017.
Commercial real estate– There was a decrease in the historical loss factor for commercial real estate loans when comparing 2016 and 2017. The specific reserve for commercial real estate loans increased slightly between 2016 and 2017. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for all commercial real estate loans due to an decrease in the unemployment rates in the local economy during 2017. The qualitative factors for changes in the levels of and trends in delinquencies, impaired and classified loans was decreased due to a lower amount of substandard loans.
 
Agricultural real estate – There was an increase in the historical loss factor for agricultural real estate loans from 2016 to 2017.  The specific reserve for agricultural real estate loans decreased from 2016 to 2017. 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 classified loans.  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 the unemployment rates in the local economy during 2017. The qualitative factors for existence of credit concentrations and changes in the level of concentrations were increased for agricultural real estate loans due to growth in these loan categories.
 
Other commercial - There was a decrease in the historical loss factor for other commercial loans when comparing 2016 and 2017. The specific reserve for other commercial loans decreased from 2016 to 2017. The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans was decreased due to the decrease in non-accrual loans and past due loans.  The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for other commercial loans due to an decrease in the unemployment rates in the local economy during 2017. The qualitative factors for existence of credit concentrations and changes in the level of concentrations were decreased for other commercial loans due to limited organic growth in these loan categories.
 
Other agricultural - There was an increase in the historical loss factor for other agricultural loans from 2016 to 2017.  The specific reserve for other agricultural loans decreased slightly from 2016 to 2017. 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 substandard loans. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for other agricultural loan categories due to a decrease in the unemployment rates in the local economy during 2017. The qualitative factors for existence of credit concentrations and changes in the level of concentrations were increased for other agricultural loans due to growth in these loan categories.
 
Municipal loans - There was no change in the historical loss factor or specific reserve for municipal loans from 2016 to 2017. The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for municipal loans due to a decrease in the unemployment rates in the local economy during 2017.
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 change in the historical loss factor or the 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.
XML 27 R13.htm IDEA: XBRL DOCUMENT v3.8.0.1
PREMISES & EQUIPMENT
 12 Months Ended
Dec. 31, 2017
PREMISES & EQUIPMENT [Abstract]  
PREMISES & EQUIPMENT
5. PREMISES & EQUIPMENT
Premises and equipment at December 31, 2017 and 2016 are summarized as follows (in thousands):
 
 
 
December 31,
 
 
 
2017
  
2016
 
Land
 
$
5,110
  
$
5,110
 
Buildings
  
17,402
   
17,315
 
Furniture, fixtures and equipment
  
6,698
   
6,678
 
Construction in process
  
16
   
5
 
 
  
29,226
   
29,108
 
Less: accumulated depreciation
  
12,703
   
12,078
 
Premises and equipment, net
 
$
16,523
  
$
17,030
 
 
Depreciation expense amounted to $776,000, $763,000 and $608,000 for 2017, 2016 and 2015, respectively.
XML 28 R14.htm IDEA: XBRL DOCUMENT v3.8.0.1
GOODWILL AND OTHER INTANGIBLE ASSETS
 12 Months Ended
Dec. 31, 2017
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, 2017 and 2016 (in thousands):
 
 
 
December 31, 2017
  
December 31, 2016
 
 
 
Gross carrying value
  
Accumulated amortization
  
Net carrying value
  
Gross carrying value
  
Accumulated amortization
  
Net carrying value
 
Amortized intangible assets (1):
                  
MSRs
 
$
1,605
  
$
(912
)
 
$
693
  
$
1,471
  
$
(787
)
 
$
684
 
Core deposit intangibles
  
1,786
   
(586
)
  
1,200
   
1,641
   
(320
)
  
1,321
 
Covenant not to compete
  
125
   
(65
)
  
60
   
125
   
(34
)
  
91
 
Total amortized intangible assets
 
$
3,516
  
$
(1,563
)
 
$
1,953
  
$
3,237
  
$
(1,141
)
 
$
2,096
 
Unamortized intangible assets:
                        
Goodwill
 
$
23,296
          
$
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, 2017. Future amortization expense may vary from these projections:
 
 
 
MSRs
  
Core deposit intangibles
  
Covenant not to compete
  
Total
 
Year ended December 31, 2017 (actual)
 
$
177
  
$
266
  
$
31
  
$
474
 
Estimate for year ended December 31,
                
2018
  
184
   
265
   
31
   
480
 
2019
  
148
   
230
   
29
   
407
 
2020
  
115
   
197
   
-
   
312
 
2021
  
88
   
165
   
-
   
253
 
2022
  
64
   
133
   
-
   
197
 
XML 29 R15.htm IDEA: XBRL DOCUMENT v3.8.0.1
FEDERAL HOME LOAN BANK (FHLB) STOCK
 12 Months Ended
Dec. 31, 2017
FEDERAL HOME LOAN BANK (FHLB) STOCK [Abstract]  
FEDERAL HOME LOAN BANK (FHLB) STOCK
7. FEDERAL HOME LOAN BANK (FHLB) STOCK
As a member of the FHLB of Pittsburgh, the Bank 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, 2017 and 2016, the Bank held $6,021,000 and $4,542,000, 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 30 R16.htm IDEA: XBRL DOCUMENT v3.8.0.1
DEPOSITS
 12 Months Ended
Dec. 31, 2017
DEPOSITS [Abstract]  
DEPOSITS
8. DEPOSITS
The following table shows the breakdown of deposits as of December 31, 2017 and 2016, by deposit type (in thousands):
 
 
 
2017
  
2016
 
Non-interest-bearing deposits
 
$
171,840
  
$
147,425
 
NOW accounts
  
337,307
   
305,862
 
Savings deposits
  
184,057
   
170,722
 
Money market deposit accounts
  
145,287
   
116,880
 
Certificates of deposit
  
266,452
   
264,614
 
Total
 
$
1,104,943
  
$
1,005,503
 
 
Certificates of deposit of $250,000 or more amounted to $62,561,000 and $56,743,000 at December 31, 2017 and 2016, respectively.
Following are maturities of certificates of deposit as of December 31, 2017 (in thousands):
 
2018
 
$
107,591
 
2019
  
51,071
 
2020
  
56,515
 
2021
  
24,390
 
2022
  
20,870
 
Thereafter
  
6,015
 
Total certificates of deposit
 
$
266,452
 
XML 31 R17.htm IDEA: XBRL DOCUMENT v3.8.0.1
BORROWED FUNDS AND REPURCHASE AGREEMENTS
 12 Months Ended
Dec. 31, 2017
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, 2017 and 2016, (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
 
2017
                     
Balance at December 31
 
$
14,989
  
$
77,650
  
$
-
  
$
-
  
$
7,500
  
$
14,525
  
$
114,664
 
Highest balance at any month-end
  
16,643
   
78,858
   
-
   
-
   
7,500
   
16,525
   
119,526
 
Average balance
  
15,598
   
29,409
   
1
   
2
   
7,500
   
16,026
   
68,536
 
Weighted average interest rate:
                            
    Paid during the year
  
0.97
%
  
1.25
%
  
1.52
%
  
1.75
%
  
4.06
%
  
2.44
%
  
1.77
%
    As of year-end
  
1.37
%
  
1.54
%
  
0.00
%
  
0.00
%
  
4.40
%
  
2.42
%
  
1.82
%
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
%
 
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, 2017 and December 31, 2016 is presented in the following tables.

 
 
Remaining Contractual Maturity of the Agreements
 
 
 
Overnight and
  
Up to
     
Greater than
    
2017
 
Continuous
  
30 Days
  
30 - 90 Days
  
90 days
  
Total
 
Repurchase Agreements:
               
U.S. agency securities
 
$
16,027
  
$
-
  
$
-
  
$
2,035
    
Total carrying value of collateral pledged
 
$
16,027
  
$
-
  
$
-
  
$
2,035
  
$
18,062
 
                     
Total liability recognized for repurchase agreements
                 
$
14,989
 

  
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
    
Total carrying value of collateral pledged
 
$
16,118
  
$
-
  
$
-
  
$
2,059
  
$
18,177
 
                     
Total liability recognized for repurchase agreements
                 
$
14,307
 

(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 $453,407,000, 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, 2017 and 2016, the Company has a borrowing limit of $4,400,000 and $4,360,000, respectively, inclusive of any outstanding advances. The approximate carrying value of the municipal loan collateral was $14,590,000 and  $15,560,000 as of December 31, 2017 and 2016, 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 percent.   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
 
2017
  
2016
 
Fixed:
  
 
      
 
2.29
%
 
October 2, 2017
     
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
 
$
14,525
  
$
16,525
 
 
Following are maturities of borrowed funds as of December 31, 2017 (in thousands):
 
2018
 
$
100,025
 
2019
  
2,000
 
2020
  
580
 
2021
  
7,334
 
2022
  
4,725
 
Thereafter
  
-
 
Total borrowed funds
 
$
114,664
 
XML 32 R18.htm IDEA: XBRL DOCUMENT v3.8.0.1
EMPLOYEE BENEFIT PLANS
 12 Months Ended
Dec. 31, 2017
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, 2017, 2016 and 2015, contributions to the pension plans totaled $3,000,000, $818,000 and $400,000, 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 $133,000, $82,000 and $61,000 for 2017, 2016 and 2015, respectively.
 
The following table sets forth the obligation and funded status as of December 31 (in thousands):
 
 
 
2017
  
2016
 
 
      
Change in benefit obligation
      
Benefit obligation at beginning of year
 
$
18,603
  
$
17,809
 
Service cost
  
349
   
345
 
Interest cost
  
671
   
692
 
Actuarial (Gain) / Loss
  
1,015
   
439
 
Benefits paid
  
(805
)
  
(682
)
Benefit obligation at end of year
  
19,833
   
18,603
 
 
        
Change in plan assets
        
Fair value of plan assets at beginning of year
  
15,786
   
14,786
 
Actual return (loss) on plan assets
  
2,011
   
864
 
Employer contribution
  
3,000
   
818
 
Benefits paid
  
(805
)
  
(682
)
Fair value of plan assets at end of year
  
19,992
   
15,786
 
 
        
Funded status
 
$
159
  
$
(2,817
)
 
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:
 
2017
  
2016
 
Net loss
 
$
4,088
  
$
4,263
 
Prior service cost
  
(127
)
  
(175
)
Total
 
$
3,961
  
$
4,088
 
 
The accumulated benefit obligation for the defined benefit pension plan was $19,833,000 and $18,603,000 at December 31, 2017 and 2016, respectively.
 
The components of net periodic benefit costs for the years ended December 31 are as follows (in thousands):
 
 
 
2017
  
2016
  
2015
 
 
         
Service cost
 
$
349
  
$
345
  
$
352
 
Interest cost
  
671
   
692
   
424
 
Return on plan assets
  
(1,094
)
  
(1,034
)
  
(791
)
Net amortization and deferral
  
224
   
219
   
205
 
Net periodic benefit cost
 
$
150
  
$
222
  
$
190
 
 
The estimated net loss and prior service cost that will be amortized from accumulated other comprehensive loss into the net periodic benefit cost (income) in 2018 is $233,000 and $(48,000), respectively.
 
The weighted-average assumptions used to determine benefit obligations at December 31, 2017 and 2016 is summarized in the following table. The change in the discount rate is the primary driver of the actuarial loss that occurred in 2017 of $1,015,000.
 
 
 
 
2017
 
2016
Discount rate
 
3.35%
 
3.78%
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:
 
 
 
 
2017
 
2016
 
2015
Discount rate
 
3.78%
 
3.94%
 
3.61%
Expected long-term return on plan assets
 
7.00%
 
7.00%
 
7.00%
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, 2017, 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 2017 (in thousands):
 
2017
 
Level I
  
Level II
  
Level III
  
Total
  
Allocation
 
Assets
               
     Cash and cash equivalents
 
$
3,827
  
$
-
  
$
-
  
$
3,827
   
19.1
%
     Equity Securities
  
6,018
   
-
   
-
   
6,018
   
30.1
%
     Mutual Funds and ETF's
  
6,090
   
-
   
-
   
6,090
   
30.5
%
     Corporate Bonds
  
-
   
3,469
   
-
   
3,469
   
17.4
%
     Municipal Bonds
      
105
       
105
   
0.5
%
     U.S. Agency Securities
  
-
   
483
   
-
   
483
   
2.4
%
     Certificate of deposit
  
-
   
-
   
-
   
-
   
0.0
%
     Total
 
$
15,935
  
$
4,057
  
$
-
  
$
19,992
   
100.0
%

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
%
 
Equity securities include the Company's common stock in the amounts of $684,000 (3.4% of total plan assets) and $548,000 (3.5% of total plan assets) at December 31, 2017 and 2016, respectively.
 
Due to the contributions made in 2017, the Bank does not expect to contribute to its pension plans in 2018.  Expected future benefit payments that the Bank estimates from its pension plan are as follows (in thousands):
 
2018
 
$
629
 
2019
  
1,896
 
2020
  
1,599
 
2021
  
1,421
 
2022
  
843
 
2023 - 2027
  
7,805
 
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 $388,000, $351,000 and $285,000 for 2017, 2016 and 2015, 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, 2017 and 2016, an obligation of $928,000 and $940,000, respectively, was included in other liabilities for this plan in the Consolidated Balance Sheet. Amounts included in interest expense on the deferred amounts totaled $19,000, $15,000 and $22,000 for the years ended December 31, 2017, 2016 and 2015, 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, 2017, 141,408 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 2017:
 
 
 
2017
 
 
    
Weighted
 
 
    
Average
 
 
 
Shares
  
Market Price
 
Outstanding, beginning of year
  
8,471
  
$
49.10
 
Granted
  
4,482
   
53.84
 
Forfeited
  
(43
)
  
48.56
 
Vested
  
(4,127
)
  
49.78
 
Outstanding, end of year
  
8,783
  
$
51.20
 
 
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 $214,000, $193,000 and $172,000 for the years ended December 31, 2017, 2016 and 2015, respectively. The per share weighted-average grant-date fair value of restricted shares granted during 2017, 2016 and 2015 was $53.84, $48.13 and $49.02, respectively.  At December 31, 2017, the total compensation cost related to nonvested awards that has not yet been recognized was $450,000, 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, 2017 and 2016, an obligation of $1,571,000 and $1,460,000, respectively, was included in other liabilities for the SERP in the Consolidated Balance Sheet.  Expenses related to the SERP totaled $111,000, $121,000 and $141,000 for the years ended December 31, 2017, 2016 and 2015.
 
Salary Continuation Plan
 
The Company maintains a salary continuation plan for certain employees acquired through the acquisition of the FNB.  At December 31, 2017 and 2016 an obligation of $716,000 and $720,000, respectively, was included in other liabilities for this plan in the Consolidated Balance Sheet.  Expenses related to the salary continuation plan totaled $54,000 and $62,000 for the years ended December 31, 2017 and 2016, respectively. There were no expenses related to this plan during the year ended December 31, 2015.
 
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 $578,000 and $569,000 at December 31, 2017 and 2016, respectively, which is included in other liabilities in the Consolidated Balance Sheet. Expenses for the plan total $9,000 during 2017. There were no expenses related to this plan during the years ended December 31, 2016 and 2015.
XML 33 R19.htm IDEA: XBRL DOCUMENT v3.8.0.1
INCOME TAXES
 12 Months Ended
Dec. 31, 2017
INCOME TAXES [Abstract]  
INCOME TAXES
11. INCOME TAXES
The provision for income taxes consists of the following (in thousands):
 
 
 
Year Ended December 31,
 
 
 
2017
  
2016
  
2015
 
Currently payable
 
$
4,583
  
$
2,672
  
$
2,913
 
Change in corporate tax rate
  
1,531
   
-
   
-
 
Deferred tax
  
(83
)
  
362
   
(192
)
Provision for income taxes
 
$
6,031
  
$
3,034
  
$
2,721
 
The following temporary differences gave rise to the net deferred tax asset and liabilities at December 31, 2017 and 2016, respectively (in thousands):
 
 
 
2017
  
2016
 
Deferred tax assets:
      
    Allowance for loan losses
 
$
3,058
  
$
4,518
 
    Deferred compensation
  
464
   
757
 
    Merger & acquisition costs
  
7
   
16
 
    Allowance for losses on available-for-sale securities
  
6
   
250
 
    Pension and other retirement obligation
  
297
   
1,454
 
    Interest on non-accrual loans
  
917
   
1,259
 
    Incentive plan accruals
  
324
   
421
 
    Other real estate owned
  
108
   
152
 
    Unrealized losses on available-for-sale securities
  
71
   
-
 
    Low income housing tax credits
  
64
   
94
 
    NOL carry forward
  
339
   
709
 
    AMT Credit Carryforward
  
8
   
8
 
    Other
  
117
   
156
 
          Total
 
$
5,780
  
$
9,794
 
 
        
Deferred tax liabilities:
        
    Premises and equipment
 
$
(623
)
 
$
(998
)
    Investment securities accretion
  
(66
)
  
(189
)
    Loan fees and costs
  
(257
)
  
(369
)
    Goodwill and core deposit intangibles
  
(2,200
)
  
(3,573
)
    Mortgage servicing rights
  
(146
)
  
(233
)
    Unrealized gains on available-for-sale securities
  
-
   
(673
)
    Other
  
(7
)
  
(17
)
           Total
  
(3,299
)
  
(6,052
)
Deferred tax asset, net
 
$
2,481
  
$
3,742
 
 
No valuation allowance was established at December 31, 2017 and 2016, 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,
 
 
 
2017
  
2016
  
2015
 
Provision at statutory rates on
         
  pre-tax income
 
$
6,505
  
$
5,328
  
$
4,878
 
Effect of tax-exempt income
  
(1,710
)
  
(1,943
)
  
(1,915
)
Low income housing tax credits
  
(141
)
  
(198
)
  
(198
)
Bank owned life insurance
  
(225
)
  
(234
)
  
(214
)
Nondeductible interest
  
54
   
55
   
61
 
Nondeductible merger and acquisition expenses
  
-
   
-
   
102
 
Change in tax rate
  
1,531
   
-
   
-
 
Other items
  
17
   
26
   
7
 
Provision for income taxes
 
$
6,031
  
$
3,034
  
$
2,721
 
Statutory tax rates
  
34
%
  
34
%
  
34
%
Effective tax rates
  
31.6
%
  
19.4
%
  
19.0
%
 
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 2013 have been closed for purposes of examination by the federal and state taxing authorities.
 
Investments in Qualified Affordable Housing Projects
 
As of December 31, 2017 and 2016, 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 $541,000 and $700,000 as of December 31, 2017 and 2016, respectively. Investments purchased prior to January 1, 2015, are accounted for utilizing the effective yield method. As of December 31, 2017, the Company has $705,000 of tax credits remaining that will be recognized over five years. Tax credits of $141,000, $198,000 and $198,000 were recognized as a reduction of tax expense during 2017, 2016 and 2015, respectively. Included within other expenses on the Consolidated Statement of Income was $159,000, $259,000 and $259,000 of amortization of the investments in qualified affordable housing projects for 2017, 2016 and 2015, respectively.
XML 34 R20.htm IDEA: XBRL DOCUMENT v3.8.0.1
OTHER COMPREHENSIVE INCOME
 12 Months Ended
Dec. 31, 2017
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):
 
 
 
2017
  
2016
 
Net unrealized gain on securities available for sale
 
$
(340
)
 
$
1,979
 
Tax effect
  
71
   
(673
)
Net -of-tax amount
  
(269
)
  
1,306
 
 
        
Unrecognized pension costs
  
(3,961
)
  
(4,088
)
Tax effect
  
832
   
1,390
 
Net -of-tax amount
  
(3,129
)
  
(2,698
)
 
        
Total accumulated other comprehensive income
 
$
(3,398
)
 
$
(1,392
)
 
The following tables present the changes in accumulated other comprehensive loss by component net of tax for the years ended December 31, 2017, 2016 and 2015 (in thousands):
 
 
 
Unrealized gain (loss) on available for sale securities (a)
  
Defined Benefit Pension Items (a)
  
Total
 
Balance as of December 31, 2014
 
$
3,093
  
$
(2,326
)
 
$
767
 
Other comprehensive income (loss) before reclassifications (net of tax)
  
(606
)
  
(249
)
  
(855
)
Amounts reclassified from accumulated other
            
     comprehensive income (loss) (net of tax)
  
(283
)
  
135
   
(148
)
Net current period other comprehensive income (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 income (loss) before reclassifications (net of tax)
  
(730
)
  
(403
)
  
(1,133
)
Amounts reclassified from accumulated other
            
     comprehensive income (loss) (net of tax)
  
(168
)
  
145
   
(23
)
Net current period other comprehensive income (loss)
  
(898
)
  
(258
)
  
(1,156
)
Balance as of December 31, 2016
 
$
1,306
  
$
(2,698
)
 
$
(1,392
)
 
            
Balance as of December 31, 2016
 
$
1,306
  
$
(2,698
)
 
$
(1,392
)
Other comprehensive income (loss) before reclassifications (net of tax)
  
(847
)
  
(65
)
  
(912
)
Amounts reclassified from accumulated other
            
     comprehensive income (loss) (net of tax)
  
(683
)
  
148
   
(535
)
Net current period other comprehensive income (loss)
  
(1,530
)
  
83
   
(1,447
)
Change in other comprehensive income due to change
            
     in the federal tax rate
  
(45
)
  
(514
)
  
(559
)
Balance as of December 31, 2017
 
$
(269
)
 
$
(3,129
)
 
$
(3,398
)
 
            
(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, 2017, 2016 and 2015:
 
Details about accumulated other comprehensive income (loss)
 
Amount reclassified from accumulated comprehensive income (loss) (a)
 
Affected line item in the Consolidated Statement of Income
 
 
December 31,
 
 
 
 
2017
  
2016
  
2015
 
 
Unrealized gains and losses on available for sale securities
         
    
 
 
$
1,035
  
$
255
  
$
429
 
Investment securities gains, net
 
  
(352
)
  
(87
)
  
(146
)
Provision for income taxes
 
 
$
683
  
$
168
  
$
283
 
Net of tax
 
            
     
Defined benefit pension items
            
    
 
 
$
(224
)
 
$
(219
)
 
$
(205
)
Salaries and employee benefits
 
  
76
   
74
   
70
 
Provision for income taxes
 
 
$
(148
)
 
$
(145
)
 
$
(135
)
Net of tax
Total reclassifications
 
$
535
  
$
23
  
$
148
 
 
 
            
     
(a) Amounts in parentheses indicate debits
            
    
XML 35 R21.htm IDEA: XBRL DOCUMENT v3.8.0.1
RELATED PARTY TRANSACTIONS
 12 Months Ended
Dec. 31, 2017
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, 2017 and 2016 with officers, directors, stockholders and associates of such persons is listed below (in thousands):
 
 
 
Year Ended December 31,
 
 
 
2017
  
2016
 
Balance, beginning of year
 
$
5,570
  
$
5,343
 
  New loans
  
4,161
   
4,512
 
  Repayments
  
(5,146
)
  
(4,285
)
Balance, end of year
 
$
4,585
  
$
5,570
 
XML 36 R22.htm IDEA: XBRL DOCUMENT v3.8.0.1
REGULATORY MATTERS
 12 Months Ended
Dec. 31, 2017
REGULATORY MATTERS [Abstract]  
REGULATORY MATTERS
14. REGULATORY MATTERS
Dividend Restrictions:
The approval of the Federal Reserve Board (FRB) is required for the Bank to pay dividends 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 2018 without approval of the FRB or Pennsylvania Department of Banking of approximately $12,397,000, plus the Bank's 2018 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, 2017, the Bank's regulatory lending limit amounted to approximately $19,287,000.
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, 2017 and 2016, 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, 2017 and 2016 (dollars in thousands):
 
 
 
Actual
  
For Capital Adequacy Purposes
  
To Be Well Capitalized Under Prompt
Corrective Action Provisions
 
2017
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
Total Capital (to Risk Weighted Assets):
 
Company
 
$
128,578
   
13.20
%
 
$
77,906
   
8.00
%
 
$
97,383
   
10.00
%
Bank
 
$
122,469
   
12.58
%
 
$
77,852
   
8.00
%
 
$
97,315
   
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
 
Company
 
$
117,224
   
12.04
%
 
$
58,430
   
6.00
%
 
$
77,906
   
8.00
%
Bank
 
$
111,114
   
11.42
%
 
$
58,389
   
6.00
%
 
$
77,852
   
8.00
%
Common Equity Tier 1 Capital (to Risk Weighted Assets):
 
Company
 
$
109,724
   
11.27
%
 
$
43,822
   
4.50
%
 
$
63,299
   
6.50
%
Bank
 
$
111,114
   
11.42
%
 
$
43,792
   
4.50
%
 
$
63,255
   
6.50
%
Tier 1 Capital (to Average Assets):
 
Company
 
$
117,224
   
9.18
%
 
$
51,085
   
4.00
%
 
$
63,857
   
5.00
%
Bank
 
$
111,114
   
8.71
%
 
$
51,023
   
4.00
%
 
$
63,778
   
5.00
%

 
 
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
%
 
This annual report has not been reviewed, or confirmed for accuracy or relevance, by the Federal Deposit Insurance Corporation.
XML 37 R23.htm IDEA: XBRL DOCUMENT v3.8.0.1
COMMITMENTS AND CONTINGENT LIABILITIES
 12 Months Ended
Dec. 31, 2017
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, 2017 and 2016, are as follows (in thousands):

 
 
2017
  
2016
 
Commitments to extend credit
 
$
188,482
  
$
206,505
 
Standby letters of credit
  
15,244
   
14,955
 
 
 
$
203,726
  
$
221,460
 
 
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, 2017 was $9,335,000.  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 38 R24.htm IDEA: XBRL DOCUMENT v3.8.0.1
OPERATING LEASES
 12 Months Ended
Dec. 31, 2017
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, 2017 (in thousands):
 
2018
 
$
324
 
2019
  
327
 
2020
  
219
 
2021
  
171
 
2022
  
158
 
Thereafter
  
141
 
Total
 
$
1,340
 
 
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, 2017, 2016 and 2015 were $351,000, $289,000 and $175,000, respectively.
XML 39 R25.htm IDEA: XBRL DOCUMENT v3.8.0.1
FAIR VALUE OF FINANCIAL INSTRUMENTS
 12 Months Ended
Dec. 31, 2017
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, 2017 and 2016 (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.
 
2017
 
Level I
  
Level II
  
Level III
  
Total
 
Fair value measurements on a recurring basis:
            
Securities available for sale:
            
     U.S. Agency securities
 
$
-
  
$
98,887
  
$
-
  
$
98,887
 
     U.S. Treasuries securities
  
28,604
   
-
   
-
   
28,604
 
     Obligations of state and
                
       political subdivisions
  
-
   
79,090
   
-
   
79,090
 
     Corporate obligations
  
-
   
3,083
   
-
   
3,083
 
     Mortgage-backed securities in
                
       government sponsored entities
  
-
   
45,027
   
-
   
45,027
 
     Equity securities in financial institutions
  
91
   
-
   
-
   
91
 

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
 

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 2017 and 2016 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, 2017 and 2016 (in thousands) are included in the table below:
 
 2017
 
Level I
  
Level II
  
Level III
  
Total
 
Impaired Loans
 
$
-
  
$
-
  
$
1,569
  
$
1,569
 
Other real estate owned
  
-
   
-
   
1,024
   
1,024
 
 
                
 2016
 
Level I
  
Level II
  
Level III
  
Total
 
Impaired Loans
 
$
-
  
$
-
  
$
2,033
  
$
2,033
 
Other real estate owned
  
-
   
-
   
839
   
839
 
·
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 (dollars in thousands).
 
Quantitative Information about Level 3 Fair Value Measurements
 
2017
 
Fair Value
 
Valuation Technique(s)
Unobservable input
 
Range
  
Weighted average
 
Impaired Loans
 
$
1,569
 
Appraised Collateral Values
Discount for time since appraisal
  
0-100
%
  
30.83
%
 
    
   
Selling costs
  
5%-9
%
  
8.35
%
 
    
   
Holding period
 
6 - 12 months
  
11 months
 
 
    
 
 
        
Other real estate owned
 
$
1,024
 
Appraised Collateral Values
Discount for time since appraisal
  
15-65
%
  
26.26
%
 
    
 
 
        
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
%
 
The fair values of the Company's financial instruments are as follows (in thousands):
 
  
Carrying
             
December 31, 2017
 
Amount
  
Fair Value
  
Level I
  
Level II
  
Level III
 
Financial assets:
               
Cash and due from banks
 
$
18,517
  
$
18,517
  
$
18,517
  
$
-
  
$
-
 
Interest bearing time deposits with other banks
  
10,283
   
10,287
   
-
   
-
   
10,287
 
Available-for-sale securities
  
254,782
   
254,782
   
28,695
   
226,087
   
-
 
Loans held for sale
  
1,439
   
1,439
   
1,439
         
Net loans
  
989,335
   
981,238
   
-
   
-
   
981,238
 
Bank owned life insurance
  
26,883
   
26,883
   
26,883
   
-
   
-
 
Regulatory stock
  
6,784
   
6,784
   
6,784
   
-
   
-
 
Accrued interest receivable
  
4,196
   
4,196
   
4,196
   
-
   
-
 
                     
Financial liabilities:
                    
Deposits
 
$
1,104,943
  
$
1,101,583
  
$
838,490
  
$
-
  
$
263,093
 
Borrowed funds
  
114,664
   
113,452
   
77,650
   
-
   
35,802
 
Accrued interest payable
  
897
   
897
   
897
   
-
   
-
 
 
  
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
   
-
     
 
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.
XML 40 R26.htm IDEA: XBRL DOCUMENT v3.8.0.1
CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY
 12 Months Ended
Dec. 31, 2017
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)
 
2017
  
2016
 
Assets:
      
  Cash
 
$
6,238
  
$
2,245
 
  Available-for-sale securities
  
91
   
2,735
 
  Investment in subsidiary:
        
    First Citizens Community Bank
  
130,402
   
125,973
 
  Other assets
  
369
   
564
 
Total assets
 
$
137,100
  
$
131,517
 
 
        
Liabilities:
        
  Other liabilities
 
$
589
  
$
749
 
  Borrowed funds
  
7,500
   
7,500
 
Total liabilities
  
8,089
   
8,249
 
Stockholders' equity
  
129,011
   
123,268
 
Total liabilities and stockholders' equity
 
$
137,100
  
$
131,517
 

CITIZENS FINANCIAL SERVICES, INC.
 
CONDENSED STATEMENT OF INCOME
 
 
 
Year Ended December 31,
 
(in thousands)
 
2017
  
2016
  
2015
 
Dividends from:
         
  Bank subsidiary
 
$
7,507
  
$
5,842
  
$
5,582
 
  Equity securities
  
60
   
92
   
71
 
Total income
  
7,567
   
5,934
   
5,653
 
Realized securities gains
  
1,021
   
31
   
76
 
Expenses
  
824
   
463
   
892
 
Income before equity
            
  in undistributed earnings
            
  of subsidiary
  
7,764
   
5,502
   
4,837
 
Equity in undistributed
            
  earnings - First Citizens Community Bank
  
5,261
   
7,136
   
6,789
 
Net income
 
$
13,025
  
$
12,638
  
$
11,626
 
Comprehensive income
 
$
11,578
  
$
11,482
  
$
10,623
 
 
CITIZENS FINANCIAL SERVICES, INC.
 
CONDENSED STATEMENT OF CASH FLOWS
 
 
 
Year Ended December 31,
 
(in thousands)
 
2017
  
2016
  
2015
 
Cash flows from operating activities:
         
  Net income
 
$
13,025
  
$
12,638
  
$
11,626
 
  Adjustments to reconcile net income to net
            
      cash provided by operating activities:
            
        Equity in undistributed earnings of subsidiaries
  
(5,261
)
  
(7,136
)
  
(6,789
)
        Investment securities gains, net
  
(1,021
)
  
(31
)
  
(76
)
        Other, net
  
629
   
230
   
322
 
          Net cash provided by operating activities
  
7,372
   
5,701
   
5,083
 
Cash flows from investing activities:
            
  Purchases of available-for-sale securities
  
(94
)
  
(1
)
  
(901
)
  Proceeds from the sale of available-for-sale securities
  
2,828
   
201
   
113
 
          Net cash provided by (used in) investing activities
  
2,734
   
200
   
(788
)
Cash flows from financing activities:
            
  Cash dividends paid
  
(5,177
)
  
(5,081
)
  
(5,151
)
  Purchase of treasury stock
  
(979
)
  
(3,227
)
  
(2,455
)
  Reissuance of treasury stock to employee stock purchase plan
  
43
   
59
   
-
 
  Purchase of restricted stock
  
-
   
-
   
(7
)
          Net cash used in financing activities
  
(6,113
)
  
(8,249
)
  
(7,613
)
          Net decrease in cash
  
3,993
   
(2,348
)
  
(3,318
)
Cash at beginning of year
  
2,245
   
4,593
   
7,911
 
Cash at end of year
 
$
6,238
  
$
2,245
  
$
4,593
 
XML 41 R27.htm IDEA: XBRL DOCUMENT v3.8.0.1
CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED)
 12 Months Ended
Dec. 31, 2017
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 2017 and 2016:
 
(in thousands, except per share data)
    
Three Months Ended,
    
2017
 
Mar 31
  
June 30
  
Sep 30
  
Dec 31
 
Interest income
 
$
11,300
  
$
11,778
  
$
12,120
  
$
12,895
 
Interest expense
  
1,303
   
1,374
   
1,503
   
1,659
 
Net interest income
  
9,997
   
10,404
   
10,617
   
11,236
 
Provision for loan losses
  
615
   
625
   
500
   
800
 
Non-interest income
  
1,863
   
1,865
   
1,912
   
1,981
 
Investment securities gains, net
  
172
   
23
   
9
   
831
 
Non-interest expenses
  
7,191
   
7,166
   
7,247
   
7,710
 
Income before provision for income taxes
  
4,226
   
4,501
   
4,791
   
5,538
 
Provision for income taxes
  
923
   
1,033
   
1,141
   
2,934
 
Net income
 
$
3,303
  
$
3,468
  
$
3,650
  
$
2,604
 
Earnings Per Share Basic
 
$
0.94
  
$
1.00
  
$
1.05
  
$
0.75
 
Earnings Per Share Diluted
 
$
0.94
  
$
1.00
  
$
1.05
  
$
0.75
 
 
 
    
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
 
$
0.93
  
$
0.86
  
$
0.90
  
$
0.91
 
Earnings Per Share Diluted
 
$
0.93
  
$
0.86
  
$
0.90
  
$
0.91
 
XML 42 R28.htm IDEA: XBRL DOCUMENT v3.8.0.1
ACQUISITION OF FNB
 12 Months Ended
Dec. 31, 2017
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, 2017. 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, 2017, 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.
XML 43 R29.htm IDEA: XBRL DOCUMENT v3.8.0.1
ACQUISITION OF STATE COLLEGE BRANCH
 12 Months Ended
Dec. 31, 2017
ACQUISITION OF STATE COLLEGE BRANCH [Abstract]  
ACQUISITION OF STATE COLLEGE BRANCH
21. ACQUISITION OF STATE COLLEGE BRANCH
In the second quarter of 2017, the Company announced the signing of a purchase and assumption agreement to acquire the full service branch in State College of S&T Bank. The transaction closed on December 8, 2017, and the Bank paid consideration of $1,044,000, which was based on the average deposit balances for the 30 days prior to the branch merging into First Citizens Community Bank. The acquisition established the Company's presence in the Centre County, Pennsylvania market.
 
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 S&T. The Bank also recorded an identifiable intangible asset representing the core deposit base of the branch based on management's evaluation of the cost of such deposits relative to alternative funding sources.
 
The business combination resulted in the acquisition of loans without evidence of credit quality deterioration. 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 the branch as of December 7, 2017: 
 
(In Thousands)
      
Purchase Price Consideration in cash
    
$
1,044
 
Net Assets Acquired for cash
       
Loans, interest, PP&E less deposits, interest and escrow payable
     
3,509
 
Total cash consideration
     
4,553
 
Net Assets Acquired for cash
 
$
3,509
     
Adjustments to reflect assets acquired at fair value:
        
Loans
        
Interest rate
  
(522
)
    
General credit
  
(740
)
    
Core deposit intangible
  
145
     
Adjustments to reflect liabilities acquired at fair value:
        
Time deposits
  
(46
)
    
Acquired net assets at fair value
      
2,346
 
Goodwill resulting from acquisition
     
$
2,207
 

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
    
$
4,553
 
Net assets acquired:
       
Cash and cash equivalents
 
$
154
     
Loans
  
39,847
     
Premises and equipment, net
  
86
     
Accrued interest receivable
  
74
     
Intangibles
  
145
     
Deposits
  
(37,880
)
    
Accrued interest payable
  
(29
)
    
Other liabilities
  
(51
)
    
 
      
2,346
 
Goodwill resulting from the branch acquisition
     
$
2,207
 
 
The Company recorded goodwill and other intangibles associated with the purchase of the branch totaling $2,352,000.  Goodwill is not amortized, but is periodically evaluated for impairment.  The Company did not recognize any impairment from December 8, 2017 to December 31, 2017.
 
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 8, 2017 to December 31, 2017, no such adjustments were recorded.  The identifiable intangible assets consist of a core deposit intangible. See footnote 6 for additional information on the identifiable intangible assets.
XML 44 R30.htm IDEA: XBRL DOCUMENT v3.8.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)
 12 Months Ended
Dec. 31, 2017
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, pension plans and deferred tax assets and liabilities.
Operating Segments
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, services and regions, 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 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, 2017 and 2016.
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, 2017 and 2016.
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:
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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
§
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
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 and its acquisition of the State College branch  in 2017, 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, as 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, other than goodwill, 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 2017, 2016 or 2015.
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 of $578,000 and $569,000 under split-dollar benefit agreements to former employees and directors or their beneficiaries have been recognized as liabilities on the consolidated balance sheet.at December 31, 2017 and 2016.
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. The Tax Cuts and Jobs Act, enacted on December 22, 2017, lowered the federal corporate income tax rate from 34% to 21% effective January 1, 2018. As a result, the carrying value of net deferred tax assets was reduced which increased income tax expense by $1,531,000.
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 and amounted to $343,000, $356,000 and $243,000 for the years ended December 31, 2017, 2016 and 2015, respectively.
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.
Change in Accounting Principal
Change in Accounting Principal
On February 14, 2018, the Financial Accounting Standards Board finalized ASU 2018-02 - Income Statement-Reporting Comprehensive Income (Topic 220). This accounting standard allows Companies to reclassify the "stranded" tax effect in accumulated other comprehensive income that resulted from the U.S. federal government enacted a tax bill, H.R.1, An Act to Provide for Reconciliation Pursuant to Titles II and V of the Concurrent Resolution on the Budget for Fiscal Year 2018 (Tax Cuts and Jobs Act), which requires deferred tax liabilities and assets to be adjusted for the effect of a change in tax laws.
The Company has elected to early-adopt this accounting standard, which provides a benefit to the financial statements by more accurately aligning the impacts of the items carried in accumulated other comprehensive income with the associate tax effect.  The adoption was applied on a modified retrospective and resulted in a one-time cumulative effect adjustment of $559,000 between Retained Earnings and Accumulated Other Comprehensive Income on the Consolidated Balance Sheet as of the beginning of the current period.  The adjustment had no impact on Net Income or any prior periods presented.
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.  Since the guidance scopes out revenue associated with financial instruments, including loan receivables and investment securities, we do not expect the adoption of 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 revenue is 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.  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. Upon adoption on January 1, 2018, the Company made a one-time cumulative effect adjustment from accumulated other comprehensive income to retained earnings of $1,000.  The net effect was a decrease to retained earnings.
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 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, 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), 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 2016-18, 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 2016-20, 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.  This Update is not expected to have a significant impact on the Company's financial statements.
 
In January 2017, the FASB issued ASU 2017-04, Simplifying the Test for Goodwill Impairment. To simplify the subsequent measurement of goodwill, the FASB eliminated Step 2 from the goodwill impairment test.  In computing the implied fair value of goodwill under Step 2, an entity had to perform procedures to determine the fair value at the impairment testing date of its assets and liabilities (including unrecognized assets and liabilities) following the procedure that would be required in determining the fair value of assets acquired and liabilities assumed in a business combination.  Instead, under the amendments in this Update, an entity should perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting units fair value; however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit.  A public business entity that is a U.S. Securities and Exchange Commission (SEC) filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. A public business entity that is not an SEC filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2020.  All other entities, including not-for-profit entities, that are adopting the amendments in this Update should do so for their annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2021. This Update is not expected to have a significant impact on the Company's financial statements.
In March 2017, the FASB issued ASU 2017-07, Compensation—Retirement Benefits (Topic 715). The amendments in this Update require that an employer report the service cost component in the same line item or items as other compensation costs arising from services rendered by the pertinent employees during the period.  The other components of net benefit cost as defined in paragraphs 715-30-35-4 and 715-60-35-9 are required to be presented in the income statement separately from the service cost component and outside a subtotal of income from operations, if one is presented. If a separate line item or items are used to present the other components of net benefit cost, that line item or items must be appropriately described. If a separate line item or items are not used, the line item or items used in the income statement to present the other components of net benefit cost must be disclosed.  The amendments in this Update are effective for public business entities for annual periods beginning after December 15, 2017, including interim periods within those annual periods. For other entities, the amendments in this Update are effective for 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 retrospectively for the presentation of the service cost component and the other components of net periodic pension cost and net periodic postretirement benefit cost in the income statement and prospectively, on and after the effective date, for the capitalization of the service cost component of net periodic pension cost and net periodic postretirement benefit in assets. This Update is not expected to have a significant impact on the Company's financial statements.
 
In March 2017, the FASB issued ASU 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20). The amendments in this Update shorten the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity.  For public business entities, the amendments in this Update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018.  For all other entities, the amendments are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020.  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 should apply the amendments in this Update on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosures about a change in accounting principle.  This Update is not expected to have a significant impact on the Company's financial statements.
 
In July 2017, the FASB issued ASU 2017-11, Earnings Per Share (Topic 260), Distinguishing Liabilities from Equity (Topic 480), and Derivative and Hedging (Topic 815). The amendments in Part I of this Update change the classification analysis of certain equity-linked financial instruments (or embedded features) with down-round features. When determining whether certain financial instruments should be classified as liabilities or equity instruments, a down-round feature no longer precludes equity classification when assessing whether the instrument is indexed to an entity's own stock. The amendments also clarify existing disclosure requirements for equity-classified instruments. As a result, a freestanding equity-linked financial instrument (or embedded conversion option) no longer would be accounted for as a derivative liability at fair value as a result of the existence of a down-round feature. For freestanding equity classified financial instruments, the amendments require entities that present earnings per share (EPS) in accordance with Topic 260 to recognize the effect of the down-round feature when it is triggered. That effect is treated as a dividend and as a reduction of income available to common shareholders in basic EPS. Convertible instruments with embedded conversion options that have down- round features are now subject to the specialized guidance for contingent beneficial conversion features (in Subtopic 470-20, Debt—Debt with Conversion and Other Options), including related EPS guidance (in Topic 260). The amendments in Part II of this Update recharacterize the indefinite deferral of certain provisions of Topic 480 that now are presented as pending content in the Accounting Standards Codification, to a scope exception. Those amendments do not have an accounting effect. For public business entities, the amendments in Part I of this Update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. For all other entities, the amendments in Part I of this Update are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. Early adoption is permitted for all entities, 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 Part I of this Update should be applied either retrospectively to outstanding financial instruments with a down-round feature by means of a cumulative-effect adjustment to the statement of financial position as of the beginning of the first fiscal year and interim period(s) in which the pending content that links to this paragraph is effective or retrospectively to outstanding financial instruments with a down-round feature for each prior reporting period presented in accordance with the guidance on accounting changes in paragraphs 250-10-45-5 through 45-10. The amendments in Part II of this Update do not require any transition guidance because those amendments do not have an accounting effect.  This Update is not expected to have a significant impact on the Company's financial statements.
In August 2017, the FASB issued ASU 2017-12, Derivatives and Hedging (Topic 850), the objective of which is to improve the financial reporting of hedging relationships to better portray the economic results of an entity's risk management activities in its financial statements. In addition, the amendments in this Update make certain targeted improvements to simplify the application and disclosure of the hedge accounting guidance in current general accepted accounting principles.  For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2018, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2019, and interim periods beginning after December 15, 2020. Early application is permitted in any period after issuance.  For cash flow and net investment hedges existing at the date of adoption, an entity should apply a cumulative-effect adjustment related to eliminating the separate measurement of ineffectiveness to accumulated other comprehensive income with a corresponding adjustment to the opening balance of retained earnings as of the beginning of the fiscal year that an entity adopts the amendments in this Update. The amended presentation and disclosure guidance is required only prospectively. The Company is currently evaluating the impact the adoption of the standard will have on the Company's financial position or results of operations.
 
In January 2018, the FASB issued ASU 2018-01, Leases (Topic 842), which provides an optional transition practical expedient to not evaluate under Topic 842 existing or expired land easements that were not previously accounted for as leases under the current lease guidance in Topic 840.  An entity that elects this practical expedient should evaluate new or modified land easements under Topic 842 beginning at the date the entity adopts Topic 842; otherwise, an entity should evaluate all existing or expired land easements in connection with the adoption of the new lease requirements in Topic 842 to assess whether they meet the definition of a lease.  The effective date and transition requirements for the amendments are the same as the effective date and transition requirements in ASU 2016-02.  This Update is not expected to have a significant impact on the Company's financial statements.
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.
  
2017
  
2016
  
2015
 
          
Basic earnings per share computation:
         
Net income applicable to common stock
 
$
13,025,000
  
$
12,638,000
  
$
11,626,000
 
Weighted average common shares outstanding
  
3,481,366
   
3,507,497
   
3,229,470
 
Earnings per share - basic
 
$
3.74
  
$
3.60
  
$
3.60
 
 
            
Diluted earnings per share computation:
            
Net income applicable to common stock
 
$
13,025,000
  
$
12,638,000
  
$
11,626,000
 
 
            
Weighted average common shares outstanding for basic earnings per share
  
3,481,366
   
3,507,497
   
3,229,470
 
Add: Dilutive effects of restricted stock
  
1,724
   
1,556
   
1,360
 
Weighted average common shares outstanding for dilutive earnings per share
  
3,483,090
   
3,509,053
   
3,230,830
 
Earnings per share - dilutive
 
$
3.74
  
$
3.60
  
$
3.60
 
 
Nonvested shares of restricted stock totaling 3,403, 3,087 and 2,105 were outstanding during 2017, 2016 and 2015, 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, $46.69-$53.15 and $50.15-$53.15 for  2017, 2016 and  2015, 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.
XML 45 R31.htm IDEA: XBRL DOCUMENT v3.8.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)
 12 Months Ended
Dec. 31, 2017
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.
  
2017
  
2016
  
2015
 
          
Basic earnings per share computation:
         
Net income applicable to common stock
 
$
13,025,000
  
$
12,638,000
  
$
11,626,000
 
Weighted average common shares outstanding
  
3,481,366
   
3,507,497
   
3,229,470
 
Earnings per share - basic
 
$
3.74
  
$
3.60
  
$
3.60
 
 
            
Diluted earnings per share computation:
            
Net income applicable to common stock
 
$
13,025,000
  
$
12,638,000
  
$
11,626,000
 
 
            
Weighted average common shares outstanding for basic earnings per share
  
3,481,366
   
3,507,497
   
3,229,470
 
Add: Dilutive effects of restricted stock
  
1,724
   
1,556
   
1,360
 
Weighted average common shares outstanding for dilutive earnings per share
  
3,483,090
   
3,509,053
   
3,230,830
 
Earnings per share - dilutive
 
$
3.74
  
$
3.60
  
$
3.60
 
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INVESTMENT SECURITIES (Tables)
 12 Months Ended
Dec. 31, 2017
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, 2017 and 2016 were as follows (in thousands):
 
     
Gross
  
Gross
    
  
Amortized
  
Unrealized
  
Unrealized
  
Fair
 
2017
 
Cost
  
Gains
  
Losses
  
Value
 
Available-for-sale securities:
            
  U.S. Agency securities
 
$
99,454
  
$
26
  
$
(593
)
 
$
98,887
 
  U.S. Treasuries
  
28,782
   
-
   
(178
)
  
28,604
 
  Obligations of state and
                
    political subdivisions
  
78,409
   
820
   
(139
)
  
79,090
 
  Corporate obligations
  
3,000
   
83
   
-
   
3,083
 
  Mortgage-backed securities in
                
    government sponsored entities
  
45,385
   
19
   
(377
)
  
45,027
 
  Equity securities in financial institutions
  
92
   
-
   
(1
)
  
91
 
Total available-for-sale securities
 
$
255,122
  
$
948
  
$
(1,288
)
 
$
254,782
 
                 
     
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
 
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, 2017 and 2016 (in thousands).  As of December 31, 2017, the Company owned 122 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
 
2017
 
Value
  
Losses
  
Value
  
Losses
  
Value
  
Losses
 
U.S. Agency securities
 
$
74,952
  
$
(421
)
 
$
16,928
  
$
(172
)
 
$
91,880
  
$
(593
)
U.S. Treasuries
  
28,604
   
(178
)
  
-
   
-
   
28,604
   
(178
)
Obligations of states and
                        
     political subdivisions
  
14,885
   
(85
)
  
5,958
   
(54
)
  
20,843
   
(139
)
Mortgage-backed securities in
                        
     government sponsored entities
  
27,154
   
(190
)
  
13,822
   
(187
)
  
40,976
   
(377
)
  Equity securities in financial institutions
  
91
   
(1
)
  
-
   
-
   
91
   
(1
)
    Total securities
 
$
145,686
  
$
(875
)
 
$
36,708
  
$
(413
)
 
$
182,394
  
$
(1,288
)
                         
2016
                        
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
)
 
Gross gains and losses on available-for-sale securities
Gross gains and gross losses were realized as follows (in thousands):
 
 
2017
  
2016
  
2015
 
Gross gains
 
$
1,205
  
$
312
  
$
440
 
Gross losses
  
(170
)
  
(57
)
  
(11
)
Net (losses) gains
 
$
1,035
  
$
255
  
$
429
 
 
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, 2017, 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
 
$
45,328
  
$
45,369
 
  Due after one year through five years
  
118,597
   
118,331
 
  Due after five years through ten years
  
31,687
   
31,676
 
  Due after ten years
  
59,418
   
59,315
 
Total
 
$
255,030
  
$
254,691
 
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LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Tables)
 12 Months Ended
Dec. 31, 2017
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, 2017 and 2016 (in thousands):
2017
 
Total Loans
  
Individually evaluated for impairment
  
Loans acquired with deteriorated credit quality
  
Collectively evaluated for impairment
 
Real estate loans:
            
     Residential
 
$
214,479
  
$
1,065
  
$
33
  
$
213,381
 
     Commercial
  
308,084
   
13,864
   
1,460
   
292,760
 
     Agricultural
  
239,957
   
3,901
   
702
   
235,354
 
     Construction
  
13,502
   
-
   
-
   
13,502
 
Consumer
  
9,944
   
8
   
-
   
9,936
 
Other commercial loans
  
72,013
   
4,197
   
443
   
67,373
 
Other agricultural loans
  
37,809
   
1,363
   
-
   
36,446
 
State and political subdivision loans
  
104,737
   
-
   
-
   
104,737
 
Total
  
1,000,525
   
24,398
   
2,638
   
973,489
 
Allowance for loan losses
  
11,190
   
410
   
-
   
10,780
 
Net loans
 
$
989,335
  
$
23,988
  
$
2,638
  
$
962,709
 
                 
2016
                
Real estate loans:
                
     Residential
 
$
207,423
  
$
957
  
$
35
  
$
206,431
 
     Commercial
  
252,577
   
5,742
   
1,969
   
244,866
 
     Agricultural
  
123,624
   
3,347
   
738
   
119,539
 
     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
   
1,653
   
-
   
21,735
 
State and political subdivision loans
  
97,514
   
-
   
-
   
97,514
 
Total
  
799,611
   
17,693
   
3,367
   
778,551
 
Allowance for loan losses
  
8,886
   
487
   
-
   
8,399
 
Net loans
 
$
790,725
  
$
17,206
  
$
3,367
  
$
770,152
 
 
Accretable yield for purchased credit impaired loans
Changes in the amortizable yield for PCI loans were as follows for the years ended December 31, 2017 and 2016 (in thousands):
 
 
 
December 31, 2017
  
December 31, 2016
 
Balance at beginning of period
 
$
389
  
$
637
 
Accretion
  
(632
)
  
(349
)
Reclassification of non-accretable discount
  
349
   
101
 
Balance at end of period
 
$
106
  
$
389
 
Loans acquired with specific evidence of deterioration in credit quality
The following table presents additional information regarding PCI loans (in thousands):
 
  
December 31, 2017
  
December 31, 2016
 
Outstanding balance
 
$
5,295
  
$
6,487
 
Carrying amount
  
2,638
   
3,367
 
Impaired financing receivables with associated allowance amount
 
 
    
Recorded
  
Recorded
       
 
 
Unpaid
  
Investment
  
Investment
  
Total
    
 
 
Principal
  
With No
  
With
  
Recorded
  
Related
 
2017 
 
Balance
  
Allowance
  
Allowance
  
Investment
  
Allowance
 
Real estate loans:
               
     Mortgages
 
$
1,055
  
$
273
  
$
700
  
$
973
  
$
47
 
     Home Equity
  
92
   
40
   
52
   
92
   
9
 
     Commercial
  
16,363
   
13,154
   
710
   
13,864
   
94
 
     Agricultural
  
5,231
   
3,283
   
618
   
3,901
   
3
 
Consumer
  
10
   
2
   
6
   
8
   
-
 
Other commercial loans
  
4,739
   
3,766
   
431
   
4,197
   
231
 
Other agricultural loans
  
1,397
   
1,238
   
125
   
1,363
   
26
 
Total
 
$
28,887
  
$
21,756
  
$
2,642
  
$
24,398
  
$
410
 
 
                    
 2016
                    
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
 
 
The following table includes the average investment in impaired loans and the income recognized on impaired loans for 2017, 2016 and 2015 (in thousands):
 
 
       
Interest
 
 
 
Average
  
Interest
  
Income
 
 
 
Recorded
  
Income
  
Recognized
 
2017
 
Investment
  
Recognized
  
Cash Basis
 
Real estate loans:
         
     Mortgages
 
$
900
  
$
13
  
$
-
 
     Home Equity
  
67
   
4
   
-
 
     Commercial
  
11,567
   
385
   
7
 
     Agricultural
  
3,574
   
131
   
-
 
Consumer
  
3
   
-
   
-
 
Other commercial loans
  
4,790
   
152
   
52
 
Other agricultural loans
  
1,491
   
65
   
-
 
Total
 
$
22,392
  
$
750
  
$
59
 
 
            
2016
            
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
 
 
        
Interest
 
  
Average
  
Interest
  
Income
 
 
 
Recorded
  
Income
  
Recognized
 
2015
 
Investment
  
Recognized
  
Cash Basis
 
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
 
Summary of financing receivable credit exposures by internally assigned grades

2017 
 
Pass
  
Special Mention
  
Substandard
  
Doubtful
  
Loss
  
Ending Balance
 
Real estate loans:
                  
     Commercial
 
$
281,742
  
$
15,029
  
$
11,271
  
$
42
  
$
-
  
$
308,084
 
     Agricultural
  
222,198
   
11,538
   
6,221
   
-
   
-
   
239,957
 
     Construction
  
13,364
   
-
   
138
   
-
   
-
   
13,502
 
Other commercial loans
  
67,706
   
615
   
3,567
   
125
   
-
   
72,013
 
Other agricultural loans
  
34,914
   
1,325
   
1,570
   
-
   
-
   
37,809
 
State and political subdivision loans
  
94,125
   
-
   
10,612
   
-
   
-
   
104,737
 
Total
 
$
714,049
  
$
28,507
  
$
33,379
  
$
167
  
$
-
  
$
776,102
 

2016 
 
Pass
  
Special Mention
  
Substandard
  
Doubtful
  
Loss
  
Ending Balance
 
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
 
 
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, 2017 and 2016 (in thousands):
 
2017
 
Performing
  
Non-performing
  
PCI
  
Total
 
Real estate loans:
            
     Mortgages
 
$
152,820
  
$
1,492
  
$
33
  
$
154,345
 
     Home Equity
  
60,022
   
112
   
-
   
60,134
 
Consumer
  
9,895
   
49
   
-
   
9,944
 
Total
 
$
222,737
  
$
1,653
  
$
33
  
$
224,423
 
 
                
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
 
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, 2017 and 2016 (in thousands):

 
 
30-59 Days
  
60-89 Days
  
90 Days
  
Total Past
       
Total Financing
  
90 Days and
 
2017
 
Past Due
  
Past Due
  
Or Greater
  
Due
  
Current
  
PCI
    Receivables  
Accruing
 
Real estate loans:
                     
     Mortgages
 
$
996
  
$
362
  
$
810
  
$
2,168
  
$
152,144
  
$
33
  
$
154,345
  
$
218
 
     Home Equity
  
277
   
86
   
78
   
441
   
59,693
   
-
   
60,134
   
-
 
     Commercial
  
1,353
   
1,010
   
3,865
   
6,228
   
300,396
   
1,460
   
308,084
   
162
 
     Agricultural
  
242
   
-
   
205
   
447
   
238,808
   
702
   
239,957
   
30
 
     Construction
  
-
   
-
   
133
   
133
   
13,369
   
-
   
13,502
   
-
 
Consumer
  
53
   
33
   
49
   
135
   
9,809
   
-
   
9,944
   
7
 
Other commercial loans
  
132
   
-
   
2,372
   
2,504
   
69,066
   
443
   
72,013
   
32
 
Other agricultural loans
  
-
   
42
   
106
   
148
   
37,661
   
-
   
37,809
   
106
 
State and political
                                
   subdivision loans
  
-
   
-
   
-
   
-
   
104,737
   
-
   
104,737
   
-
 
Total
 
$
3,053
  
$
1,533
  
$
7,618
  
$
12,204
  
$
985,683
  
$
2,638
  
$
1,000,525
  
$
555
 
 
                                
Loans considered non-accrual
 
$
816
  
$
281
  
$
7,063
  
$
8,160
  
$
2,011
  
$
-
  
$
10,171
     
Loans still accruing
  
2,237
   
1,252
   
555
   
4,044
   
983,672
   
2,638
   
990,354
     
Total
 
$
3,053
  
$
1,533
  
$
7,618
  
$
12,204
  
$
985,683
  
$
2,638
  
$
1,000,525
     
                                 
2016
                                
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
     
Summary of financing receivables on nonaccrual status

 
 
2017
  
2016
 
Real estate loans:
      
     Mortgages
 
$
1,274
  
$
1,475
 
     Home Equity
  
112
   
95
 
     Commercial
  
5,192
   
4,445
 
     Agricultural
  
175
   
1,340
 
     Construction
  
133
   
-
 
Consumer
  
42
   
42
 
Other commercial loans
  
2,637
   
4,057
 
Other agricultural loans
  
606
   
-
 
 
 
$
10,171
  
$
11,454
 
Summary of troubled debt restructurings on financing receivables

  
Number of contracts
  
Pre-modification Outstanding Recorded Investment
  
Post-Modification Outstanding Recorded Investment
 
  2017
 
Interest Modification
  
Term Modification
  
Interest Modification
  
Term Modification
  
Interest Modification
  
Term Modification
 
Real estate loans:
                  
     Home Equity
  
-
   
1
  
$
-
  
$
25
  
$
-
  
$
25
 
     Commercial
  
-
   
5
   
-
   
7,021
   
-
   
7,021
 
     Agricultural
  
-
   
4
   
-
   
1,475
   
-
   
1,475
 
Other commercial loans
  
-
   
1
   
-
   
9
   
-
   
9
 
Other agricultural loans
  
-
   
1
   
-
   
161
   
-
   
161
 
Total
  
-
   
12
  
$
-
  
$
8,691
  
$
-
  
$
8,691
 
                         
 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
 
 
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, 2017, 2016 and 2015, respectively, and that subsequently defaulted during these reporting periods (dollars in thousands):
 
 
 
December 31, 2017
  
December 31, 2016
  
December 31, 2015
 
 
 
Number of
contracts
  
Recorded
investment
  
Number of
contracts
  
Recorded
investment
  
Number of
 contracts
  
Recorded
investment
 
 
                  
Other agricultural loans
  
2
  
$
632
   
-
  
$
-
   
-
  
$
-
 
Total recidivism
  
2
  
$
632
   
-
  
$
-
   
-
  
$
-
 
 
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, 2017, 2016 and 2015 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, 2017, 2016 and 2015 (in thousands):
 
 
 
Balance at
December 31, 2016
  
Charge-offs
  
Recoveries
  
Provision
(Benefit)
  
Balance at
December 31, 2017
  
Individually
evaluated for impairment
  
Collectively
evaluated for impairment
 
Real estate loans:
                     
     Residential
 
$
1,064
  
$
(107
)
 
$
-
  
$
92
  
$
1,049
  
$
56
  
$
993
 
     Commercial
  
3,589
   
(41
)
  
11
   
308
   
3,867
   
94
   
3,773
 
     Agricultural
  
1,494
   
(30
)
  
-
   
1,679
   
3,143
   
3
   
3,140
 
     Construction
  
47
   
-
   
-
   
(24
)
  
23
   
-
   
23
 
Consumer
  
122
   
(130
)
  
49
   
83
   
124
   
-
   
124
 
Other commercial loans
  
1,327
   
-
   
16
   
(71
)
  
1,272
   
231
   
1,041
 
Other agricultural loans
  
312
   
(5
)
  
1
   
184
   
492
   
26
   
466
 
State and political
                            
  subdivision loans
  
833
   
-
   
-
   
(17
)
  
816
   
-
   
816
 
Unallocated
  
98
   
-
   
-
   
306
   
404
   
-
   
404
 
Total
 
$
8,886
  
$
(313
)
 
$
77
  
$
2,540
  
$
11,190
  
$
410
  
$
10,780
 
 
                            
 
 
Balance at
December 31, 2015
  
Charge-offs
  
Recoveries
  
Provision
(Benefit)
  
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
(Benefit)
  
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
 
XML 48 R34.htm IDEA: XBRL DOCUMENT v3.8.0.1
PREMISES & EQUIPMENT (Tables)
 12 Months Ended
Dec. 31, 2017
PREMISES & EQUIPMENT [Abstract]  
Summary of premises and equipment
Premises and equipment at December 31, 2017 and 2016 are summarized as follows (in thousands):
 
 
 
December 31,
 
 
 
2017
  
2016
 
Land
 
$
5,110
  
$
5,110
 
Buildings
  
17,402
   
17,315
 
Furniture, fixtures and equipment
  
6,698
   
6,678
 
Construction in process
  
16
   
5
 
 
  
29,226
   
29,108
 
Less: accumulated depreciation
  
12,703
   
12,078
 
Premises and equipment, net
 
$
16,523
  
$
17,030
 
XML 49 R35.htm IDEA: XBRL DOCUMENT v3.8.0.1
GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)
 12 Months Ended
Dec. 31, 2017
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, 2017 and 2016 (in thousands):
 
 
 
December 31, 2017
  
December 31, 2016
 
 
 
Gross carrying value
  
Accumulated amortization
  
Net carrying value
  
Gross carrying value
  
Accumulated amortization
  
Net carrying value
 
Amortized intangible assets (1):
                  
MSRs
 
$
1,605
  
$
(912
)
 
$
693
  
$
1,471
  
$
(787
)
 
$
684
 
Core deposit intangibles
  
1,786
   
(586
)
  
1,200
   
1,641
   
(320
)
  
1,321
 
Covenant not to compete
  
125
   
(65
)
  
60
   
125
   
(34
)
  
91
 
Total amortized intangible assets
 
$
3,516
  
$
(1,563
)
 
$
1,953
  
$
3,237
  
$
(1,141
)
 
$
2,096
 
Unamortized intangible assets:
                        
Goodwill
 
$
23,296
          
$
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, 2017. Future amortization expense may vary from these projections:
 
 
 
MSRs
  
Core deposit intangibles
  
Covenant not to compete
  
Total
 
Year ended December 31, 2017 (actual)
 
$
177
  
$
266
  
$
31
  
$
474
 
Estimate for year ended December 31,
                
2018
  
184
   
265
   
31
   
480
 
2019
  
148
   
230
   
29
   
407
 
2020
  
115
   
197
   
-
   
312
 
2021
  
88
   
165
   
-
   
253
 
2022
  
64
   
133
   
-
   
197
 
XML 50 R36.htm IDEA: XBRL DOCUMENT v3.8.0.1
DEPOSITS (Tables)
 12 Months Ended
Dec. 31, 2017
DEPOSITS [Abstract]  
Summary of deposits
The following table shows the breakdown of deposits as of December 31, 2017 and 2016, by deposit type (in thousands):
 
 
 
2017
  
2016
 
Non-interest-bearing deposits
 
$
171,840
  
$
147,425
 
NOW accounts
  
337,307
   
305,862
 
Savings deposits
  
184,057
   
170,722
 
Money market deposit accounts
  
145,287
   
116,880
 
Certificates of deposit
  
266,452
   
264,614
 
Total
 
$
1,104,943
  
$
1,005,503
 
Maturities of certificates of deposit
Following are maturities of certificates of deposit as of December 31, 2017 (in thousands):
 
2018
 
$
107,591
 
2019
  
51,071
 
2020
  
56,515
 
2021
  
24,390
 
2022
  
20,870
 
Thereafter
  
6,015
 
Total certificates of deposit
 
$
266,452
 
XML 51 R37.htm IDEA: XBRL DOCUMENT v3.8.0.1
BORROWED FUNDS AND REPURCHASE AGREEMENTS (Tables)
 12 Months Ended
Dec. 31, 2017
BORROWED FUNDS AND REPURCHASE AGREEMENTS [Abstract]  
Borrowed funds
The following table shows the breakdown of borrowed funds as of December 31, 2017 and 2016, (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
 
2017
                     
Balance at December 31
 
$
14,989
  
$
77,650
  
$
-
  
$
-
  
$
7,500
  
$
14,525
  
$
114,664
 
Highest balance at any month-end
  
16,643
   
78,858
   
-
   
-
   
7,500
   
16,525
   
119,526
 
Average balance
  
15,598
   
29,409
   
1
   
2
   
7,500
   
16,026
   
68,536
 
Weighted average interest rate:
                            
    Paid during the year
  
0.97
%
  
1.25
%
  
1.52
%
  
1.75
%
  
4.06
%
  
2.44
%
  
1.77
%
    As of year-end
  
1.37
%
  
1.54
%
  
0.00
%
  
0.00
%
  
4.40
%
  
2.42
%
  
1.82
%
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
%
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, 2017 and December 31, 2016 is presented in the following tables.

 
 
Remaining Contractual Maturity of the Agreements
 
 
 
Overnight and
  
Up to
     
Greater than
    
2017
 
Continuous
  
30 Days
  
30 - 90 Days
  
90 days
  
Total
 
Repurchase Agreements:
               
U.S. agency securities
 
$
16,027
  
$
-
  
$
-
  
$
2,035
    
Total carrying value of collateral pledged
 
$
16,027
  
$
-
  
$
-
  
$
2,035
  
$
18,062
 
                     
Total liability recognized for repurchase agreements
                 
$
14,989
 

  
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
    
Total carrying value of collateral pledged
 
$
16,118
  
$
-
  
$
-
  
$
2,059
  
$
18,177
 
                     
Total liability recognized for repurchase agreements
                 
$
14,307
 
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
 
2017
  
2016
 
Fixed:
  
 
      
 
2.29
%
 
October 2, 2017
     
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
 
$
14,525
  
$
16,525
 
 
Maturities of borrowed funds
Following are maturities of borrowed funds as of December 31, 2017 (in thousands):
 
2018
 
$
100,025
 
2019
  
2,000
 
2020
  
580
 
2021
  
7,334
 
2022
  
4,725
 
Thereafter
  
-
 
Total borrowed funds
 
$
114,664
 
XML 52 R38.htm IDEA: XBRL DOCUMENT v3.8.0.1
EMPLOYEE BENEFIT PLANS (Tables)
 12 Months Ended
Dec. 31, 2017
EMPLOYEE BENEFIT PLANS [Abstract]  
Obligation and net funded status
 
 
2017
  
2016
 
 
      
Change in benefit obligation
      
Benefit obligation at beginning of year
 
$
18,603
  
$
17,809
 
Service cost
  
349
   
345
 
Interest cost
  
671
   
692
 
Actuarial (Gain) / Loss
  
1,015
   
439
 
Benefits paid
  
(805
)
  
(682
)
Benefit obligation at end of year
  
19,833
   
18,603
 
 
        
Change in plan assets
        
Fair value of plan assets at beginning of year
  
15,786
   
14,786
 
Actual return (loss) on plan assets
  
2,011
   
864
 
Employer contribution
  
3,000
   
818
 
Benefits paid
  
(805
)
  
(682
)
Fair value of plan assets at end of year
  
19,992
   
15,786
 
 
        
Funded status
 
$
159
  
$
(2,817
)
Components of net periodic pension cost not yet recognized
 
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:
 
2017
  
2016
 
Net loss
 
$
4,088
  
$
4,263
 
Prior service cost
  
(127
)
  
(175
)
Total
 
$
3,961
  
$
4,088
 
Components of net periodic benefit costs
 
 
2017
  
2016
  
2015
 
 
         
Service cost
 
$
349
  
$
345
  
$
352
 
Interest cost
  
671
   
692
   
424
 
Return on plan assets
  
(1,094
)
  
(1,034
)
  
(791
)
Net amortization and deferral
  
224
   
219
   
205
 
Net periodic benefit cost
 
$
150
  
$
222
  
$
190
 
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, 2017 and 2016 is summarized in the following table. The change in the discount rate is the primary driver of the actuarial loss that occurred in 2017 of $1,015,000.
 
 
 
 
2017
 
2016
Discount rate
 
3.35%
 
3.78%
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:
 
 
 
 
2017
 
2016
 
2015
Discount rate
 
3.78%
 
3.94%
 
3.61%
Expected long-term return on plan assets
 
7.00%
 
7.00%
 
7.00%
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 2017 (in thousands):
2017
 
Level I
  
Level II
  
Level III
  
Total
  
Allocation
 
Assets
               
     Cash and cash equivalents
 
$
3,827
  
$
-
  
$
-
  
$
3,827
   
19.1
%
     Equity Securities
  
6,018
   
-
   
-
   
6,018
   
30.1
%
     Mutual Funds and ETF's
  
6,090
   
-
   
-
   
6,090
   
30.5
%
     Corporate Bonds
  
-
   
3,469
   
-
   
3,469
   
17.4
%
     Municipal Bonds
      
105
       
105
   
0.5
%
     U.S. Agency Securities
  
-
   
483
   
-
   
483
   
2.4
%
     Certificate of deposit
  
-
   
-
   
-
   
-
   
0.0
%
     Total
 
$
15,935
  
$
4,057
  
$
-
  
$
19,992
   
100.0
%

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
%
Expected future benefit payments
Expected future benefit payments that the Bank estimates from its pension plan are as follows (in thousands):
2018
 
$
629
 
2019
  
1,896
 
2020
  
1,599
 
2021
  
1,421
 
2022
  
843
 
2023 - 2027
  
7,805
 
Schedule of vesting, awarding and forfeiting of restricted shares
 
 
2017
 
 
    
Weighted
 
 
    
Average
 
 
 
Shares
  
Market Price
 
Outstanding, beginning of year
  
8,471
  
$
49.10
 
Granted
  
4,482
   
53.84
 
Forfeited
  
(43
)
  
48.56
 
Vested
  
(4,127
)
  
49.78
 
Outstanding, end of year
  
8,783
  
$
51.20
 
XML 53 R39.htm IDEA: XBRL DOCUMENT v3.8.0.1
INCOME TAXES (Tables)
 12 Months Ended
Dec. 31, 2017
INCOME TAXES [Abstract]  
Provision for income taxes
The provision for income taxes consists of the following (in thousands):
 
 
 
Year Ended December 31,
 
 
 
2017
  
2016
  
2015
 
Currently payable
 
$
4,583
  
$
2,672
  
$
2,913
 
Change in corporate tax rate
  
1,531
   
-
   
-
 
Deferred tax
  
(83
)
  
362
   
(192
)
Provision for income taxes
 
$
6,031
  
$
3,034
  
$
2,721
 
Deferred tax assets and liabilities
The following temporary differences gave rise to the net deferred tax asset and liabilities at December 31, 2017 and 2016, respectively (in thousands):
 
 
 
2017
  
2016
 
Deferred tax assets:
      
    Allowance for loan losses
 
$
3,058
  
$
4,518
 
    Deferred compensation
  
464
   
757
 
    Merger & acquisition costs
  
7
   
16
 
    Allowance for losses on available-for-sale securities
  
6
   
250
 
    Pension and other retirement obligation
  
297
   
1,454
 
    Interest on non-accrual loans
  
917
   
1,259
 
    Incentive plan accruals
  
324
   
421
 
    Other real estate owned
  
108
   
152
 
    Unrealized losses on available-for-sale securities
  
71
   
-
 
    Low income housing tax credits
  
64
   
94
 
    NOL carry forward
  
339
   
709
 
    AMT Credit Carryforward
  
8
   
8
 
    Other
  
117
   
156
 
          Total
 
$
5,780
  
$
9,794
 
 
        
Deferred tax liabilities:
        
    Premises and equipment
 
$
(623
)
 
$
(998
)
    Investment securities accretion
  
(66
)
  
(189
)
    Loan fees and costs
  
(257
)
  
(369
)
    Goodwill and core deposit intangibles
  
(2,200
)
  
(3,573
)
    Mortgage servicing rights
  
(146
)
  
(233
)
    Unrealized gains on available-for-sale securities
  
-
   
(673
)
    Other
  
(7
)
  
(17
)
           Total
  
(3,299
)
  
(6,052
)
Deferred tax asset, net
 
$
2,481
  
$
3,742
 
Reconciliation of statutory tax rates to effective tax rates
 
 
Year Ended December 31,
 
 
 
2017
  
2016
  
2015
 
Provision at statutory rates on
         
  pre-tax income
 
$
6,505
  
$
5,328
  
$
4,878
 
Effect of tax-exempt income
  
(1,710
)
  
(1,943
)
  
(1,915
)
Low income housing tax credits
  
(141
)
  
(198
)
  
(198
)
Bank owned life insurance
  
(225
)
  
(234
)
  
(214
)
Nondeductible interest
  
54
   
55
   
61
 
Nondeductible merger and acquisition expenses
  
-
   
-
   
102
 
Change in tax rate
  
1,531
   
-
   
-
 
Other items
  
17
   
26
   
7
 
Provision for income taxes
 
$
6,031
  
$
3,034
  
$
2,721
 
Statutory tax rates
  
34
%
  
34
%
  
34
%
Effective tax rates
  
31.6
%
  
19.4
%
  
19.0
%
XML 54 R40.htm IDEA: XBRL DOCUMENT v3.8.0.1
OTHER COMPREHENSIVE INCOME (Tables)
 12 Months Ended
Dec. 31, 2017
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):
 
 
 
2017
  
2016
 
Net unrealized gain on securities available for sale
 
$
(340
)
 
$
1,979
 
Tax effect
  
71
   
(673
)
Net -of-tax amount
  
(269
)
  
1,306
 
 
        
Unrecognized pension costs
  
(3,961
)
  
(4,088
)
Tax effect
  
832
   
1,390
 
Net -of-tax amount
  
(3,129
)
  
(2,698
)
 
        
Total accumulated other comprehensive income
 
$
(3,398
)
 
$
(1,392
)
 
The following tables present the changes in accumulated other comprehensive loss by component net of tax for the years ended December 31, 2017, 2016 and 2015 (in thousands):
 
 
 
Unrealized gain (loss) on available for sale securities (a)
  
Defined Benefit Pension Items (a)
  
Total
 
Balance as of December 31, 2014
 
$
3,093
  
$
(2,326
)
 
$
767
 
Other comprehensive income (loss) before reclassifications (net of tax)
  
(606
)
  
(249
)
  
(855
)
Amounts reclassified from accumulated other
            
     comprehensive income (loss) (net of tax)
  
(283
)
  
135
   
(148
)
Net current period other comprehensive income (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 income (loss) before reclassifications (net of tax)
  
(730
)
  
(403
)
  
(1,133
)
Amounts reclassified from accumulated other
            
     comprehensive income (loss) (net of tax)
  
(168
)
  
145
   
(23
)
Net current period other comprehensive income (loss)
  
(898
)
  
(258
)
  
(1,156
)
Balance as of December 31, 2016
 
$
1,306
  
$
(2,698
)
 
$
(1,392
)
 
            
Balance as of December 31, 2016
 
$
1,306
  
$
(2,698
)
 
$
(1,392
)
Other comprehensive income (loss) before reclassifications (net of tax)
  
(847
)
  
(65
)
  
(912
)
Amounts reclassified from accumulated other
            
     comprehensive income (loss) (net of tax)
  
(683
)
  
148
   
(535
)
Net current period other comprehensive income (loss)
  
(1,530
)
  
83
   
(1,447
)
Change in other comprehensive income due to change
            
     in the federal tax rate
  
(45
)
  
(514
)
  
(559
)
Balance as of December 31, 2017
 
$
(269
)
 
$
(3,129
)
 
$
(3,398
)
 
            
(a) Amounts in parentheses indicate debits on the Consolidated Balance Sheet.
         
Schedule of the significant amounts reclassified out of each component of accumulated other comprehensive loss
 
The following table presents the significant amounts reclassified out of each component of accumulated other comprehensive loss for the years ended December 31, 2017, 2016 and 2015:
 
Details about accumulated other comprehensive income (loss)
 
Amount reclassified from accumulated comprehensive income (loss) (a)
 
Affected line item in the Consolidated Statement of Income
 
 
December 31,
 
 
 
 
2017
  
2016
  
2015
 
 
Unrealized gains and losses on available for sale securities
         
    
 
 
$
1,035
  
$
255
  
$
429
 
Investment securities gains, net
 
  
(352
)
  
(87
)
  
(146
)
Provision for income taxes
 
 
$
683
  
$
168
  
$
283
 
Net of tax
 
            
     
Defined benefit pension items
            
    
 
 
$
(224
)
 
$
(219
)
 
$
(205
)
Salaries and employee benefits
 
  
76
   
74
   
70
 
Provision for income taxes
 
 
$
(148
)
 
$
(145
)
 
$
(135
)
Net of tax
Total reclassifications
 
$
535
  
$
23
  
$
148
 
 
 
            
     
(a) Amounts in parentheses indicate debits
            
    
XML 55 R41.htm IDEA: XBRL DOCUMENT v3.8.0.1
RELATED PARTY TRANSACTIONS (Tables)
 12 Months Ended
Dec. 31, 2017
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, 2017 and 2016 with officers, directors, stockholders and associates of such persons is listed below (in thousands):
 
 
Year Ended December 31,
 
 
 
2017
  
2016
 
Balance, beginning of year
 
$
5,570
  
$
5,343
 
  New loans
  
4,161
   
4,512
 
  Repayments
  
(5,146
)
  
(4,285
)
Balance, end of year
 
$
4,585
  
$
5,570
 
XML 56 R42.htm IDEA: XBRL DOCUMENT v3.8.0.1
REGULATORY MATTERS (Tables)
 12 Months Ended
Dec. 31, 2017
REGULATORY MATTERS [Abstract]  
Capital ratios under banking regulations
 
 
Actual
  
For Capital Adequacy Purposes
  
To Be Well Capitalized Under Prompt
Corrective Action Provisions
 
2017
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
Total Capital (to Risk Weighted Assets):
 
Company
 
$
128,578
   
13.20
%
 
$
77,906
   
8.00
%
 
$
97,383
   
10.00
%
Bank
 
$
122,469
   
12.58
%
 
$
77,852
   
8.00
%
 
$
97,315
   
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
 
Company
 
$
117,224
   
12.04
%
 
$
58,430
   
6.00
%
 
$
77,906
   
8.00
%
Bank
 
$
111,114
   
11.42
%
 
$
58,389
   
6.00
%
 
$
77,852
   
8.00
%
Common Equity Tier 1 Capital (to Risk Weighted Assets):
 
Company
 
$
109,724
   
11.27
%
 
$
43,822
   
4.50
%
 
$
63,299
   
6.50
%
Bank
 
$
111,114
   
11.42
%
 
$
43,792
   
4.50
%
 
$
63,255
   
6.50
%
Tier 1 Capital (to Average Assets):
 
Company
 
$
117,224
   
9.18
%
 
$
51,085
   
4.00
%
 
$
63,857
   
5.00
%
Bank
 
$
111,114
   
8.71
%
 
$
51,023
   
4.00
%
 
$
63,778
   
5.00
%

 
 
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
%
XML 57 R43.htm IDEA: XBRL DOCUMENT v3.8.0.1
COMMITMENTS AND CONTINGENT LIABILITIES (Tables)
 12 Months Ended
Dec. 31, 2017
COMMITMENTS AND CONTINGENT LIABILITIES [Abstract]  
Financial instruments whose contract amounts represent credit risk
Financial instruments, whose contract amounts represent credit risk at December 31, 2017 and 2016, are as follows (in thousands):

 
 
2017
  
2016
 
Commitments to extend credit
 
$
188,482
  
$
206,505
 
Standby letters of credit
  
15,244
   
14,955
 
 
 
$
203,726
  
$
221,460
 
XML 58 R44.htm IDEA: XBRL DOCUMENT v3.8.0.1
OPERATING LEASES (Tables)
 12 Months Ended
Dec. 31, 2017
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, 2017 (in thousands):
 
2018
 
$
324
 
2019
  
327
 
2020
  
219
 
2021
  
171
 
2022
  
158
 
Thereafter
  
141
 
Total
 
$
1,340
 
XML 59 R45.htm IDEA: XBRL DOCUMENT v3.8.0.1
FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)
 12 Months Ended
Dec. 31, 2017
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]  
Summary of assets measured at fair value on a recurring basis
2017
 
Level I
  
Level II
  
Level III
  
Total
 
Fair value measurements on a recurring basis:
            
Securities available for sale:
            
     U.S. Agency securities
 
$
-
  
$
98,887
  
$
-
  
$
98,887
 
     U.S. Treasuries securities
  
28,604
   
-
   
-
   
28,604
 
     Obligations of state and
                
       political subdivisions
  
-
   
79,090
   
-
   
79,090
 
     Corporate obligations
  
-
   
3,083
   
-
   
3,083
 
     Mortgage-backed securities in
                
       government sponsored entities
  
-
   
45,027
   
-
   
45,027
 
     Equity securities in financial institutions
  
91
   
-
   
-
   
91
 

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
 
Summary of assets measured at fair value on non-recurring basis
 2017
 
Level I
  
Level II
  
Level III
  
Total
 
Impaired Loans
 
$
-
  
$
-
  
$
1,569
  
$
1,569
 
Other real estate owned
  
-
   
-
   
1,024
   
1,024
 
 
                
 2016
 
Level I
  
Level II
  
Level III
  
Total
 
Impaired Loans
 
$
-
  
$
-
  
$
2,033
  
$
2,033
 
Other real estate owned
  
-
   
-
   
839
   
839
 
Significant unobservable inputs used in fair value measurement process
The following table provides a listing of the significant unobservable inputs used in the fair value measurement process for items valued utilizing level III techniques (dollars in thousands).
 
Quantitative Information about Level 3 Fair Value Measurements
 
2017
 
Fair Value
 
Valuation Technique(s)
Unobservable input
 
Range
  
Weighted average
 
Impaired Loans
 
$
1,569
 
Appraised Collateral Values
Discount for time since appraisal
  
0-100
%
  
30.83
%
 
    
   
Selling costs
  
5%-9
%
  
8.35
%
 
    
   
Holding period
 
6 - 12 months
  
11 months
 
 
    
 
 
        
Other real estate owned
 
$
1,024
 
Appraised Collateral Values
Discount for time since appraisal
  
15-65
%
  
26.26
%
 
    
 
 
        
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
%
Fair value of financial instruments
 
The fair values of the Company's financial instruments are as follows (in thousands):
 
  
Carrying
             
December 31, 2017
 
Amount
  
Fair Value
  
Level I
  
Level II
  
Level III
 
Financial assets:
               
Cash and due from banks
 
$
18,517
  
$
18,517
  
$
18,517
  
$
-
  
$
-
 
Interest bearing time deposits with other banks
  
10,283
   
10,287
   
-
   
-
   
10,287
 
Available-for-sale securities
  
254,782
   
254,782
   
28,695
   
226,087
   
-
 
Loans held for sale
  
1,439
   
1,439
   
1,439
         
Net loans
  
989,335
   
981,238
   
-
   
-
   
981,238
 
Bank owned life insurance
  
26,883
   
26,883
   
26,883
   
-
   
-
 
Regulatory stock
  
6,784
   
6,784
   
6,784
   
-
   
-
 
Accrued interest receivable
  
4,196
   
4,196
   
4,196
   
-
   
-
 
                     
Financial liabilities:
                    
Deposits
 
$
1,104,943
  
$
1,101,583
  
$
838,490
  
$
-
  
$
263,093
 
Borrowed funds
  
114,664
   
113,452
   
77,650
   
-
   
35,802
 
Accrued interest payable
  
897
   
897
   
897
   
-
   
-
 
 
  
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
   
-
     
XML 60 R46.htm IDEA: XBRL DOCUMENT v3.8.0.1
CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY (Tables)
 12 Months Ended
Dec. 31, 2017
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)
 
2017
  
2016
 
Assets:
      
  Cash
 
$
6,238
  
$
2,245
 
  Available-for-sale securities
  
91
   
2,735
 
  Investment in subsidiary:
        
    First Citizens Community Bank
  
130,402
   
125,973
 
  Other assets
  
369
   
564
 
Total assets
 
$
137,100
  
$
131,517
 
 
        
Liabilities:
        
  Other liabilities
 
$
589
  
$
749
 
  Borrowed funds
  
7,500
   
7,500
 
Total liabilities
  
8,089
   
8,249
 
Stockholders' equity
  
129,011
   
123,268
 
Total liabilities and stockholders' equity
 
$
137,100
  
$
131,517
 

CITIZENS FINANCIAL SERVICES, INC.
 
CONDENSED STATEMENT OF INCOME
 
 
 
Year Ended December 31,
 
(in thousands)
 
2017
  
2016
  
2015
 
Dividends from:
         
  Bank subsidiary
 
$
7,507
  
$
5,842
  
$
5,582
 
  Equity securities
  
60
   
92
   
71
 
Total income
  
7,567
   
5,934
   
5,653
 
Realized securities gains
  
1,021
   
31
   
76
 
Expenses
  
824
   
463
   
892
 
Income before equity
            
  in undistributed earnings
            
  of subsidiary
  
7,764
   
5,502
   
4,837
 
Equity in undistributed
            
  earnings - First Citizens Community Bank
  
5,261
   
7,136
   
6,789
 
Net income
 
$
13,025
  
$
12,638
  
$
11,626
 
Comprehensive income
 
$
11,578
  
$
11,482
  
$
10,623
 
 
CITIZENS FINANCIAL SERVICES, INC.
 
CONDENSED STATEMENT OF CASH FLOWS
 
 
 
Year Ended December 31,
 
(in thousands)
 
2017
  
2016
  
2015
 
Cash flows from operating activities:
         
  Net income
 
$
13,025
  
$
12,638
  
$
11,626
 
  Adjustments to reconcile net income to net
            
      cash provided by operating activities:
            
        Equity in undistributed earnings of subsidiaries
  
(5,261
)
  
(7,136
)
  
(6,789
)
        Investment securities gains, net
  
(1,021
)
  
(31
)
  
(76
)
        Other, net
  
629
   
230
   
322
 
          Net cash provided by operating activities
  
7,372
   
5,701
   
5,083
 
Cash flows from investing activities:
            
  Purchases of available-for-sale securities
  
(94
)
  
(1
)
  
(901
)
  Proceeds from the sale of available-for-sale securities
  
2,828
   
201
   
113
 
          Net cash provided by (used in) investing activities
  
2,734
   
200
   
(788
)
Cash flows from financing activities:
            
  Cash dividends paid
  
(5,177
)
  
(5,081
)
  
(5,151
)
  Purchase of treasury stock
  
(979
)
  
(3,227
)
  
(2,455
)
  Reissuance of treasury stock to employee stock purchase plan
  
43
   
59
   
-
 
  Purchase of restricted stock
  
-
   
-
   
(7
)
          Net cash used in financing activities
  
(6,113
)
  
(8,249
)
  
(7,613
)
          Net decrease in cash
  
3,993
   
(2,348
)
  
(3,318
)
Cash at beginning of year
  
2,245
   
4,593
   
7,911
 
Cash at end of year
 
$
6,238
  
$
2,245
  
$
4,593
 
XML 61 R47.htm IDEA: XBRL DOCUMENT v3.8.0.1
CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) (Tables)
 12 Months Ended
Dec. 31, 2017
CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) [Abstract]  
Consolidated condensed quarterly data
The following table presents summarized quarterly financial data for 2017 and 2016:
 
(in thousands, except per share data)
    
Three Months Ended,
    
2017
 
Mar 31
  
June 30
  
Sep 30
  
Dec 31
 
Interest income
 
$
11,300
  
$
11,778
  
$
12,120
  
$
12,895
 
Interest expense
  
1,303
   
1,374
   
1,503
   
1,659
 
Net interest income
  
9,997
   
10,404
   
10,617
   
11,236
 
Provision for loan losses
  
615
   
625
   
500
   
800
 
Non-interest income
  
1,863
   
1,865
   
1,912
   
1,981
 
Investment securities gains, net
  
172
   
23
   
9
   
831
 
Non-interest expenses
  
7,191
   
7,166
   
7,247
   
7,710
 
Income before provision for income taxes
  
4,226
   
4,501
   
4,791
   
5,538
 
Provision for income taxes
  
923
   
1,033
   
1,141
   
2,934
 
Net income
 
$
3,303
  
$
3,468
  
$
3,650
  
$
2,604
 
Earnings Per Share Basic
 
$
0.94
  
$
1.00
  
$
1.05
  
$
0.75
 
Earnings Per Share Diluted
 
$
0.94
  
$
1.00
  
$
1.05
  
$
0.75
 
 
 
    
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
 
$
0.93
  
$
0.86
  
$
0.90
  
$
0.91
 
Earnings Per Share Diluted
 
$
0.93
  
$
0.86
  
$
0.90
  
$
0.91
 
XML 62 R48.htm IDEA: XBRL DOCUMENT v3.8.0.1
ACQUISITION OF FNB (Tables) - First National Bank of Fredericksburg [Member]
 12 Months Ended
Dec. 31, 2017
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
 
XML 63 R49.htm IDEA: XBRL DOCUMENT v3.8.0.1
ACQUISITION OF STATE COLLEGE BRANCH (Tables) - State College Branch [Member]
 12 Months Ended
Dec. 31, 2017
Business Acquisition [Line Items]  
Summarizes the purchase price of branch
(In Thousands)
      
Purchase Price Consideration in cash
    
$
1,044
 
Net Assets Acquired for cash
       
Loans, interest, PP&E less deposits, interest and escrow payable
     
3,509
 
Total cash consideration
     
4,553
 
Net Assets Acquired for cash
 
$
3,509
     
Adjustments to reflect assets acquired at fair value:
        
Loans
        
Interest rate
  
(522
)
    
General credit
  
(740
)
    
Core deposit intangible
  
145
     
Adjustments to reflect liabilities acquired at fair value:
        
Time deposits
  
(46
)
    
Acquired net assets at fair value
      
2,346
 
Goodwill resulting from acquisition
     
$
2,207
 
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
    
$
4,553
 
Net assets acquired:
       
Cash and cash equivalents
 
$
154
     
Loans
  
39,847
     
Premises and equipment, net
  
86
     
Accrued interest receivable
  
74
     
Intangibles
  
145
     
Deposits
  
(37,880
)
    
Accrued interest payable
  
(29
)
    
Other liabilities
  
(51
)
    
 
      
2,346
 
Goodwill resulting from the branch acquisition
     
$
2,207
 
XML 64 R50.htm IDEA: XBRL DOCUMENT v3.8.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)
 3 Months Ended 12 Months Ended
Dec. 31, 2017
USD ($)
Security
$ / shares
Sep. 30, 2017
USD ($)
$ / shares
Jun. 30, 2017
USD ($)
$ / shares
Mar. 31, 2017
USD ($)
$ / shares
Dec. 31, 2016
USD ($)
$ / shares
Sep. 30, 2016
USD ($)
$ / shares
Jun. 30, 2016
USD ($)
$ / shares
Mar. 31, 2016
USD ($)
$ / shares
Dec. 31, 2018
Dec. 31, 2017
USD ($)
Branches
Segment
Security
$ / shares
shares
Dec. 31, 2016
USD ($)
$ / shares
shares
Dec. 31, 2015
USD ($)
$ / shares
shares
Business and Organization [Abstract]                        
Number of full service banking offices | Branches                   26    
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                   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%    
Obligation included in other liabilities 578,000       569,000         $ 578,000 $ 569,000  
Income Tax Disclosure [Line Items]                        
Federal corporate tax rate                   34.00% 34.00% 34.00%
Net deferred tax asset                   $ 1,531,000    
Reclassification of certain income tax effects from accumulated other comprehensive income                   0    
Advertising Costs [Abstract]                        
Advertising cost                   343,000 $ 356,000 $ 243,000
Basic earnings per share computation [Abstract]                        
Net income applicable to common stock $ 2,604,000 $ 3,650,000 $ 3,468,000 $ 3,303,000 $ 3,171,000 $ 3,153,000 $ 3,031,000 $ 3,283,000   $ 13,025,000 $ 12,638,000 $ 11,626,000
Weighted average common shares outstanding (in shares) | shares                   3,481,366 3,507,497 3,229,470
Earnings per share - basic (in dollars per share) | $ / shares $ 0.75 $ 1.05 $ 1.00 $ 0.94 $ 0.91 $ 0.90 $ 0.86 $ 0.93   $ 3.74 $ 3.60 $ 3.60
Diluted earnings per share computation [Abstract]                        
Net income applicable to common stock $ 2,604,000 $ 3,650,000 $ 3,468,000 $ 3,303,000 $ 3,171,000 $ 3,153,000 $ 3,031,000 $ 3,283,000   $ 13,025,000 $ 12,638,000 $ 11,626,000
Weighted average common shares outstanding for basic earnings per share (in shares) | shares                   3,481,366 3,507,497 3,229,470
Add: Dilutive effects of restricted stock (in shares) | shares                   1,724 1,556 1,360
Weighted average common shares outstanding for dilutive earnings per share (in shares) | shares                   3,483,090 3,509,053 3,230,830
Earnings per share - dilutive (in dollars per share) | $ / shares $ 0.75 $ 1.05 $ 1.00 $ 0.94 $ 0.91 $ 0.90 $ 0.86 $ 0.93   $ 3.74 $ 3.60 $ 3.60
Minimum [Member]                        
Allowance for Loan Losses [Abstract]                        
Number of days past for loan to be considered impaired                   90 days    
Retained Earnings [Member]                        
Income Tax Disclosure [Line Items]                        
Reclassification of certain income tax effects from accumulated other comprehensive income                   $ 559,000    
Basic earnings per share computation [Abstract]                        
Net income applicable to common stock                   13,025,000 $ 12,638,000 $ 11,626,000
Diluted earnings per share computation [Abstract]                        
Net income applicable to common stock                   13,025,000 12,638,000 $ 11,626,000
Accumulated Other Comprehensive Income (Loss) [Member]                        
Income Tax Disclosure [Line Items]                        
Reclassification of certain income tax effects from accumulated other comprehensive income                   (559,000)    
Plan [Member]                        
Income Tax Disclosure [Line Items]                        
Federal corporate tax rate                 21.00%      
Plan [Member] | Retained Earnings [Member] | Accounting Standards Update 2016-01 [Member]                        
Income Tax Disclosure [Line Items]                        
Cumulative effect adjustment from acumualted other comprehensive income to retained earnings $ (1,000,000)                 (1,000,000)    
Plan [Member] | Accumulated Other Comprehensive Income (Loss) [Member] | Accounting Standards Update 2016-01 [Member]                        
Income Tax Disclosure [Line Items]                        
Cumulative effect adjustment from acumualted other comprehensive income to retained earnings 1,000,000                 1,000,000    
Continuation of Life Insurance Plan [Member]                        
Bank Owned Life Insurance [Abstract]                        
Obligation included in other liabilities $ 578,000       $ 569,000         $ 578,000 $ 569,000  
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                   3,403 3,087 2,105
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                   $ 46.69 $ 46.69 $ 50.15
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                   $ 53.15 $ 53.15 $ 53.15
XML 65 R51.htm IDEA: XBRL DOCUMENT v3.8.0.1
RESTRICTIONS ON CASH AND DUE FROM BANKS (Details) - USD ($)
$ in Thousands
Dec. 31, 2017
Dec. 31, 2016
RESTRICTIONS ON CASH AND DUE FROM BANKS [Abstract]    
Cash reserves at the Federal Reserve Bank $ 2,645 $ 2,297
Cash FDIC insured amount, maximum $ 250  
XML 66 R52.htm IDEA: XBRL DOCUMENT v3.8.0.1
INVESTMENT SECURITIES (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2017
USD ($)
Security
Dec. 31, 2016
USD ($)
Security
Dec. 31, 2015
USD ($)
Security
Available for Sale Securities Amortized Cost, Gross Unrealized Gains or Losses and Fair Value [Abstract]      
Amortized cost $ 255,122 $ 312,039  
Gross Unrealized Gains 948 3,087  
Gross Unrealized Losses (1,288) (1,109)  
Fair value $ 254,782 314,017  
Number of securities owned with fair value less than cost | Security 122    
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]      
Less than twelve months, Fair value $ 145,686 106,062  
Twelve months or greater, Fair value 36,708 1,520  
Total, Fair value 182,394 107,582  
Less than twelve months, Gross unrealized losses (875) (1,071)  
Twelve months or greater, Gross unrealized losses (413) (38)  
Total, Gross Unrealized Losses (1,288) (1,109)  
Proceeds from sale of securities available-for-sale 58,177 22,372 $ 30,464
Realized investment gains (losses) [Abstract]      
Gross gains 1,205 312 440
Gross losses (170) (57) (11)
Net (losses) gains 1,035 255 429
Investment securities pledged as collateral 243,382 206,322  
Available-for-Sale Debt Securities, Amortized Cost [Abstract]      
Due in one year or less 45,328    
Due after one year through five years 118,597    
Due after five years through ten years 31,687    
Due after ten years 59,418    
Total 255,030    
Available-for-Sale Debt Securities, Fair Value [Abstract]      
Due in one year or less 45,369    
Due after one year through five years 118,331    
Due after five years through ten years 31,676    
Due after ten years 59,315    
Total $ 254,691    
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 $ 99,454 170,276  
Gross Unrealized Gains 26 407  
Gross Unrealized Losses (593) (269)  
Fair value 98,887 170,414  
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]      
Less than twelve months, Fair value 74,952 50,947  
Twelve months or greater, Fair value 16,928 0  
Total, Fair value 91,880 50,947  
Less than twelve months, Gross unrealized losses (421) (269)  
Twelve months or greater, Gross unrealized losses (172) 0  
Total, Gross Unrealized Losses (593) (269)  
Realized investment gains (losses) [Abstract]      
Gross gains $ 23 72 $ 196
Gross losses   $ (22)  
Available-for-sale securities sold at a gross gain | Security 10 4 5
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 $ 28,782 $ 2,999  
Gross Unrealized Gains 0 1  
Gross Unrealized Losses (178) 0  
Fair value 28,604 3,000  
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]      
Less than twelve months, Fair value 28,604    
Twelve months or greater, Fair value 0    
Total, Fair value 28,604    
Less than twelve months, Gross unrealized losses (178)    
Twelve months or greater, Gross unrealized losses 0    
Total, Gross Unrealized Losses (178)    
Realized investment gains (losses) [Abstract]      
Gross gains   $ 27  
Gross losses $ (170)   $ (11)
Available-for-sale securities sold at a gross gain | Security   2  
Available-for-sale securities sold at a gross loss | Security 14   1
Obligations of State and Political Subdivisions [Member]      
Available for Sale Securities Amortized Cost, Gross Unrealized Gains or Losses and Fair Value [Abstract]      
Amortized cost $ 78,409 $ 95,956  
Gross Unrealized Gains 820 1,463  
Gross Unrealized Losses (139) (493)  
Fair value 79,090 96,926  
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]      
Less than twelve months, Fair value 14,885 28,398  
Twelve months or greater, Fair value 5,958 767  
Total, Fair value 20,843 29,165  
Less than twelve months, Gross unrealized losses (85) (472)  
Twelve months or greater, Gross unrealized losses (54) (21)  
Total, Gross Unrealized Losses (139) (493)  
Realized investment gains (losses) [Abstract]      
Gross gains   $ 80 $ 99
Available-for-sale securities sold at a gross gain | Security   4 7
Interest-bearing Deposits [Member]      
Realized investment gains (losses) [Abstract]      
Gross gains $ 13    
Available-for-sale securities sold at a gross gain | Security 13    
Corporate Obligations [Member]      
Available for Sale Securities Amortized Cost, Gross Unrealized Gains or Losses and Fair Value [Abstract]      
Amortized cost $ 3,000 $ 3,000  
Gross Unrealized Gains 83 50  
Gross Unrealized Losses 0 0  
Fair value 3,083 3,050  
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 45,385 $ 37,987  
Gross Unrealized Gains 19 88  
Gross Unrealized Losses (377) (347)  
Fair value 45,027 37,728  
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]      
Less than twelve months, Fair value 27,154 26,717  
Twelve months or greater, Fair value 13,822 753  
Total, Fair value 40,976 27,470  
Less than twelve months, Gross unrealized losses (190) (330)  
Twelve months or greater, Gross unrealized losses (187) (17)  
Total, Gross Unrealized Losses (377) (347)  
Realized investment gains (losses) [Abstract]      
Gross gains $ 20   $ 69
Available-for-sale securities sold at a gross gain | Security 1   5
Equity Securities in Financial Institutions [Member]      
Available for Sale Securities Amortized Cost, Gross Unrealized Gains or Losses and Fair Value [Abstract]      
Amortized cost $ 92 1,821  
Gross Unrealized Gains 0 1,078  
Gross Unrealized Losses (1) 0  
Fair value 91 2,899  
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]      
Less than twelve months, Fair value 91    
Twelve months or greater, Fair value 0    
Total, Fair value 91    
Less than twelve months, Gross unrealized losses (1)    
Twelve months or greater, Gross unrealized losses 0    
Total, Gross Unrealized Losses (1)    
Realized investment gains (losses) [Abstract]      
Gross gains $ 1,149 $ 133 $ 76
Available-for-sale securities sold at a gross gain | Security 5 3 1
XML 67 R53.htm IDEA: XBRL DOCUMENT v3.8.0.1
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2017
Dec. 31, 2016
Dec. 11, 2015
Segments of loan portfolio and allowance for loan losses [Abstract]          
Total financing receivables     $ 1,000,525 $ 799,611  
Individually evaluated for impairment     24,398 17,693  
Loans acquired with deteriorated credit quality     2,638 3,367  
Collectively evaluated for impairment     973,489 778,551  
Allowance for loan losses     11,190 8,886  
Allowance for loan losses related to individually evaluated for impairment     410 487  
Allowance for loan losses related to loans acquired with deteriorated credit quality     0 0  
Allowance for loan losses related to collectively evaluated for impairment     10,780 8,399  
Net loans     989,335 790,725  
Net loans, individually evaluated for impairment     23,988 17,206  
Net loans, loans acquired with deteriorated credit quality     2,638 3,367  
Net loans, collectively evaluated for impairment     962,709 770,152  
Net unamortized loan fees and costs     794 732  
Real estate loans serviced for Freddie Mac and Fannie Mae     142,972 135,404  
Real estate loans sold to Freddie Mac and Fannie Mae without recourse $ 114,643 $ 102,444      
Portfolio balance under MPF     28,329 32,960  
First-loss position for MPF maintained by FHLB     123    
Credit enhancement for MPF by FHLB $ 980        
Number of days past for loan to be considered impaired, Minimum 90 days        
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        
Real Estate Loans [Member] | Residential [Member]          
Segments of loan portfolio and allowance for loan losses [Abstract]          
Total financing receivables     214,479 207,423  
Individually evaluated for impairment     1,065 957  
Loans acquired with deteriorated credit quality     33 35  
Collectively evaluated for impairment     213,381 206,431  
Real Estate Loans [Member] | Commercial [Member]          
Segments of loan portfolio and allowance for loan losses [Abstract]          
Total financing receivables     308,084 252,577  
Individually evaluated for impairment     13,864 5,742  
Loans acquired with deteriorated credit quality     1,460 1,969  
Collectively evaluated for impairment     292,760 244,866  
Real Estate Loans [Member] | Agricultural [Member]          
Segments of loan portfolio and allowance for loan losses [Abstract]          
Total financing receivables     239,957 123,624  
Individually evaluated for impairment     3,901 3,347  
Loans acquired with deteriorated credit quality     702 738  
Collectively evaluated for impairment     235,354 119,539  
Real Estate Loans [Member] | Construction [Member]          
Segments of loan portfolio and allowance for loan losses [Abstract]          
Total financing receivables     13,502 25,441  
Individually evaluated for impairment     0 0  
Loans acquired with deteriorated credit quality     0 0  
Collectively evaluated for impairment     13,502 25,441  
Consumer [Member]          
Segments of loan portfolio and allowance for loan losses [Abstract]          
Total financing receivables     9,944 11,005  
Individually evaluated for impairment     8 0  
Loans acquired with deteriorated credit quality     0 4  
Collectively evaluated for impairment     9,936 11,001  
Other Commercial Loans [Member]          
Segments of loan portfolio and allowance for loan losses [Abstract]          
Total financing receivables     72,013 58,639  
Individually evaluated for impairment     4,197 5,994  
Loans acquired with deteriorated credit quality     443 621  
Collectively evaluated for impairment     67,373 52,024  
Other Agricultural Loans [Member]          
Segments of loan portfolio and allowance for loan losses [Abstract]          
Total financing receivables     37,809 23,388  
Individually evaluated for impairment     1,363 1,653  
Loans acquired with deteriorated credit quality     0 0  
Collectively evaluated for impairment     36,446 21,735  
State and Political Subdivision Loans [Member]          
Segments of loan portfolio and allowance for loan losses [Abstract]          
Total financing receivables     104,737 97,514  
Individually evaluated for impairment     0 0  
Loans acquired with deteriorated credit quality     0 0  
Collectively evaluated for impairment     104,737 97,514  
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 $ 389 389 106 389 665
Changes in the accretable yield for purchased credit-impaired loans [Roll Forward]          
Balance at beginning of period 389 637      
Accretion (632) (349)      
Reclassification of non-accretable discount 349 101      
Balance at end of period $ 106 $ 389      
Loans acquired with specific evidence of deterioration in credit quality [Abstract]          
Outstanding balance     5,295 6,487 $ 6,969
Carrying amount     $ 2,638 $ 3,367  
XML 68 R54.htm IDEA: XBRL DOCUMENT v3.8.0.1
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES, Impaired Financing Receivable (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Impaired Financing Receivable [Abstract]      
Unpaid Principal Balance $ 28,887 $ 20,127  
Recorded Investment With No Allowance 21,756 15,031  
Recorded Investment With Allowance 2,642 2,662  
Total Recorded Investment 24,398 17,693  
Related Allowance 410 487  
Average Recorded Investment 22,392 12,874 $ 8,804
Interest Income Recognized 750 201 180
Interest Income Recognized Cash Basis 59 7 11
Real Estate Loans [Member] | Mortgages [Member]      
Impaired Financing Receivable [Abstract]      
Unpaid Principal Balance 1,055 953  
Recorded Investment With No Allowance 273 570  
Recorded Investment With Allowance 700 330  
Total Recorded Investment 973 900  
Related Allowance 47 22  
Average Recorded Investment 900 590 240
Interest Income Recognized 13 13 12
Interest Income Recognized Cash Basis 0 0 0
Real Estate Loans [Member] | Home Equity [Member]      
Impaired Financing Receivable [Abstract]      
Unpaid Principal Balance 92 57  
Recorded Investment With No Allowance 40 0  
Recorded Investment With Allowance 52 57  
Total Recorded Investment 92 57  
Related Allowance 9 10  
Average Recorded Investment 67 59 88
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 16,363 7,958  
Recorded Investment With No Allowance 13,154 5,697  
Recorded Investment With Allowance 710 45  
Total Recorded Investment 13,864 5,742  
Related Allowance 94 45  
Average Recorded Investment 11,567 5,959 5,683
Interest Income Recognized 385 69 63
Interest Income Recognized Cash Basis 7 1 5
Real Estate Loans [Member] | Agricultural [Member]      
Impaired Financing Receivable [Abstract]      
Unpaid Principal Balance 5,231 3,347  
Recorded Investment With No Allowance 3,283 2,000  
Recorded Investment With Allowance 618 1,347  
Total Recorded Investment 3,901 3,347  
Related Allowance 3 54  
Average Recorded Investment 3,574 361 56
Interest Income Recognized 131 17 2
Interest Income Recognized Cash Basis 0 0 0
Consumer [Member]      
Impaired Financing Receivable [Abstract]      
Unpaid Principal Balance 10    
Recorded Investment With No Allowance 2    
Recorded Investment With Allowance 6    
Total Recorded Investment 8    
Related Allowance 0    
Average Recorded Investment 3 0 0
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 4,739 6,159  
Recorded Investment With No Allowance 3,766 5,135  
Recorded Investment With Allowance 431 859  
Total Recorded Investment 4,197 5,994  
Related Allowance 231 326  
Average Recorded Investment 4,790 5,715 2,700
Interest Income Recognized 152 87 98
Interest Income Recognized Cash Basis 52 6 6
Other Agricultural Loans [Member]      
Impaired Financing Receivable [Abstract]      
Unpaid Principal Balance 1,397 1,653  
Recorded Investment With No Allowance 1,238 1,629  
Recorded Investment With Allowance 125 24  
Total Recorded Investment 1,363 1,653  
Related Allowance 26 30  
Average Recorded Investment 1,491 190 37
Interest Income Recognized 65 11 1
Interest Income Recognized Cash Basis $ 0 $ 0 $ 0
XML 69 R55.htm IDEA: XBRL DOCUMENT v3.8.0.1
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES, Credit Quality Indicator (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Financing Receivable by credit exposure [Abstract]    
Total $ 224,423 $ 218,428
Minimum [Member]    
Financing Receivable, Recorded Investment [Line Items]    
Percentage of dollar volume of commercial loan portfolio to be reviewed 50.00%  
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 308,084 252,577
Real Estate Loans [Member] | Agricultural [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 239,957 123,624
Real Estate Loans [Member] | Construction [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 13,502 25,441
Real Estate Loans [Member] | Mortgages [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 154,345 148,730
Real Estate Loans [Member] | Home Equity [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 60,134 58,693
Consumer [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 9,944 11,005
Other Commercial Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 72,013 58,639
Other Agricultural Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 37,809 23,388
State and Political Subdivision Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 104,737 97,514
Pass [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 714,049 516,605
Pass [Member] | Real Estate Loans [Member] | Commercial [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 281,742 225,185
Pass [Member] | Real Estate Loans [Member] | Agricultural [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 222,198 110,785
Pass [Member] | Real Estate Loans [Member] | Construction [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 13,364 25,441
Pass [Member] | Other Commercial Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 67,706 51,396
Pass [Member] | Other Agricultural Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 34,914 20,178
Pass [Member] | State and Political Subdivision Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 94,125 83,620
Special Mention [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 28,507 39,124
Special Mention [Member] | Real Estate Loans [Member] | Commercial [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 15,029 14,045
Special Mention [Member] | Real Estate Loans [Member] | Agricultural [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 11,538 8,231
Special Mention [Member] | Real Estate Loans [Member] | Construction [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 0 0
Special Mention [Member] | Other Commercial Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 615 2,049
Special Mention [Member] | Other Agricultural Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 1,325 1,733
Special Mention [Member] | State and Political Subdivision Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 0 13,066
Substandard [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 33,379 25,365
Substandard [Member] | Real Estate Loans [Member] | Commercial [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 11,271 13,347
Substandard [Member] | Real Estate Loans [Member] | Agricultural [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 6,221 4,608
Substandard [Member] | Real Estate Loans [Member] | Construction [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 138 0
Substandard [Member] | Other Commercial Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 3,567 5,105
Substandard [Member] | Other Agricultural Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 1,570 1,477
Substandard [Member] | State and Political Subdivision Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 10,612 828
Doubtful [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 167 89
Doubtful [Member] | Real Estate Loans [Member] | Commercial [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 42 0
Doubtful [Member] | Real Estate Loans [Member] | Agricultural [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 0 0
Doubtful [Member] | Real Estate Loans [Member] | Construction [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 0 0
Doubtful [Member] | Other Commercial Loans [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 125 89
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 776,102 581,183
Performing [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 222,737 216,377
Performing [Member] | Real Estate Loans [Member] | Mortgages [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 152,820 147,047
Performing [Member] | Real Estate Loans [Member] | Home Equity [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 60,022 58,438
Performing [Member] | Consumer [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 9,895 10,892
Nonperforming [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 1,653 2,012
Nonperforming [Member] | Real Estate Loans [Member] | Mortgages [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 1,492 1,648
Nonperforming [Member] | Real Estate Loans [Member] | Home Equity [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 112 255
Nonperforming [Member] | Consumer [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 49 109
PCI [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 33 39
PCI [Member] | Real Estate Loans [Member] | Mortgages [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 33 35
PCI [Member] | Real Estate Loans [Member] | Home Equity [Member]    
Financing Receivable by credit exposure [Abstract]    
Total 0 0
PCI [Member] | Consumer [Member]    
Financing Receivable by credit exposure [Abstract]    
Total $ 0 $ 4
XML 70 R56.htm IDEA: XBRL DOCUMENT v3.8.0.1
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES, Past Due (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Recorded investment of past due [Abstract]      
Total past due $ 12,204 $ 14,133  
Current 985,683 782,111  
PCI 2,638 3,367  
Total financing receivables 1,000,525 799,611  
90 Days or greater and accruing 555 405  
Financing receivables on nonaccrual status [Abstract]      
Total past due and non-accrual 8,160 10,729  
Current and non-accrual 2,011 725  
PCI Loans considered non accrual 0 0  
Financing receivable nonaccrual status 10,171 11,454  
Foregone interest income 709 603 $ 463
Financing receivables on accrual status [Abstract]      
Total past due and still accruing 4,044 3,404  
Current and still accruing 983,672 781,386  
PCI Loans still accruing 2,638 3,367  
Total financing receivables and still accruing $ 990,354 788,157  
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 $ 3,053 3,024  
Financing receivables on nonaccrual status [Abstract]      
Total past due and non-accrual 816 172  
Financing receivables on accrual status [Abstract]      
Total past due and still accruing 2,237 2,852  
60 to 89 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total past due 1,533 252  
Financing receivables on nonaccrual status [Abstract]      
Total past due and non-accrual 281 105  
Financing receivables on accrual status [Abstract]      
Total past due and still accruing 1,252 147  
90 Days Or Greater [Member]      
Recorded investment of past due [Abstract]      
Total past due 7,618 10,857  
Financing receivables on nonaccrual status [Abstract]      
Total past due and non-accrual 7,063 10,452  
Financing receivables on accrual status [Abstract]      
Total past due and still accruing 555 405  
Real Estate Loans [Member] | Mortgages [Member]      
Recorded investment of past due [Abstract]      
Total past due 2,168 1,775  
Current 152,144 146,920  
PCI 33 35  
Total financing receivables 154,345 148,730  
90 Days or greater and accruing 218 173  
Financing receivables on nonaccrual status [Abstract]      
Financing receivable nonaccrual status 1,274 1,475  
Real Estate Loans [Member] | Mortgages [Member] | 30 to 59 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total past due 996 630  
Real Estate Loans [Member] | Mortgages [Member] | 60 to 89 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total past due 362 36  
Real Estate Loans [Member] | Mortgages [Member] | 90 Days Or Greater [Member]      
Recorded investment of past due [Abstract]      
Total past due 810 1,109  
Real Estate Loans [Member] | Home Equity [Member]      
Recorded investment of past due [Abstract]      
Total past due 441 642  
Current 59,693 58,051  
PCI 0 0  
Total financing receivables 60,134 58,693  
90 Days or greater and accruing 0 160  
Financing receivables on nonaccrual status [Abstract]      
Financing receivable nonaccrual status 112 95  
Real Estate Loans [Member] | Home Equity [Member] | 30 to 59 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total past due 277 384  
Real Estate Loans [Member] | Home Equity [Member] | 60 to 89 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total past due 86 49  
Real Estate Loans [Member] | Home Equity [Member] | 90 Days Or Greater [Member]      
Recorded investment of past due [Abstract]      
Total past due 78 209  
Real Estate Loans [Member] | Commercial [Member]      
Recorded investment of past due [Abstract]      
Total past due 6,228 6,117  
Current 300,396 244,491  
PCI 1,460 1,969  
Total financing receivables 308,084 252,577  
90 Days or greater and accruing 162 0  
Financing receivables on nonaccrual status [Abstract]      
Financing receivable nonaccrual status 5,192 4,445  
Real Estate Loans [Member] | Commercial [Member] | 30 to 59 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total past due 1,353 1,757  
Real Estate Loans [Member] | Commercial [Member] | 60 to 89 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total past due 1,010 58  
Real Estate Loans [Member] | Commercial [Member] | 90 Days Or Greater [Member]      
Recorded investment of past due [Abstract]      
Total past due 3,865 4,302  
Real Estate Loans [Member] | Agricultural [Member]      
Recorded investment of past due [Abstract]      
Total past due 447 1,145  
Current 238,808 121,741  
PCI 702 738  
Total financing receivables 239,957 123,624  
90 Days or greater and accruing 30 0  
Financing receivables on nonaccrual status [Abstract]      
Financing receivable nonaccrual status 175 1,340  
Real Estate Loans [Member] | Agricultural [Member] | 30 to 59 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total past due 242 0  
Real Estate Loans [Member] | Agricultural [Member] | 60 to 89 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total past due 0 0  
Real Estate Loans [Member] | Agricultural [Member] | 90 Days Or Greater [Member]      
Recorded investment of past due [Abstract]      
Total past due 205 1,145  
Real Estate Loans [Member] | Construction [Member]      
Recorded investment of past due [Abstract]      
Total past due 133 0  
Current 13,369 25,441  
PCI 0 0  
Total financing receivables 13,502 25,441  
90 Days or greater and accruing 0 0  
Financing receivables on nonaccrual status [Abstract]      
Financing receivable nonaccrual status 133 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 133 0  
Consumer [Member]      
Recorded investment of past due [Abstract]      
Total past due 135 238  
Current 9,809 10,763  
PCI 0 4  
Total financing receivables 9,944 11,005  
90 Days or greater and accruing 7 67  
Financing receivables on nonaccrual status [Abstract]      
Financing receivable nonaccrual status 42 42  
Consumer [Member] | 30 to 59 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total past due 53 115  
Consumer [Member] | 60 to 89 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total past due 33 40  
Consumer [Member] | 90 Days Or Greater [Member]      
Recorded investment of past due [Abstract]      
Total past due 49 83  
Other Commercial Loans [Member]      
Recorded investment of past due [Abstract]      
Total past due 2,504 4,134  
Current 69,066 53,884  
PCI 443 621  
Total financing receivables 72,013 58,639  
90 Days or greater and accruing 32 0  
Financing receivables on nonaccrual status [Abstract]      
Financing receivable nonaccrual status 2,637 4,057  
Other Commercial Loans [Member] | 30 to 59 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total past due 132 95  
Other Commercial Loans [Member] | 60 to 89 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total past due 0 35  
Other Commercial Loans [Member] | 90 Days Or Greater [Member]      
Recorded investment of past due [Abstract]      
Total past due 2,372 4,004  
Other Agricultural Loans [Member]      
Recorded investment of past due [Abstract]      
Total past due 148 82  
Current 37,661 23,306  
PCI 0 0  
Total financing receivables 37,809 23,388  
90 Days or greater and accruing 106 5  
Financing receivables on nonaccrual status [Abstract]      
Financing receivable nonaccrual status 606 0  
Other Agricultural Loans [Member] | 30 to 59 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total past due 0 43  
Other Agricultural Loans [Member] | 60 to 89 Days Past Due [Member]      
Recorded investment of past due [Abstract]      
Total past due 42 34  
Other Agricultural Loans [Member] | 90 Days Or Greater [Member]      
Recorded investment of past due [Abstract]      
Total past due 106 5  
State and Political Subdivision Loans [Member]      
Recorded investment of past due [Abstract]      
Total past due 0 0  
Current 104,737 97,514  
PCI 0 0  
Total financing receivables 104,737 97,514  
90 Days or greater and accruing 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  
XML 71 R57.htm IDEA: XBRL DOCUMENT v3.8.0.1
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES, Trouble Debt Restructuring (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2017
USD ($)
Contract
Dec. 31, 2016
USD ($)
Contract
Dec. 31, 2015
USD ($)
Contract
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES [Abstract]      
Reserves of allowance for loan losses $ 41 $ 29 $ 37
Recidivism receivables [Abstract]      
Number of contract, subsequently defaults | Contract 2 0 0
Total recidivism, Recorded investment $ 632 $ 0 $ 0
Interest Modification [Member]      
Financing receivable modifications [Abstract]      
Number of contracts | Contract 0 0 1
Pre-modification outstanding recorded investment $ 0 $ 0 $ 71
Post-modification outstanding recorded investment $ 0 $ 0 $ 71
Term Modification [Member]      
Financing receivable modifications [Abstract]      
Number of contracts | Contract 12 19 1
Pre-modification outstanding recorded investment $ 8,691 $ 7,778 $ 19
Post-modification outstanding recorded investment $ 8,691 $ 7,778 $ 19
Real Estate Loans [Member] | Home Equity [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] | Home Equity [Member] | Term Modification [Member]      
Financing receivable modifications [Abstract]      
Number of contracts | Contract 1    
Pre-modification outstanding recorded investment $ 25    
Post-modification outstanding recorded investment $ 25    
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] | 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 5 4  
Pre-modification outstanding recorded investment $ 7,021 $ 1,188  
Post-modification outstanding recorded investment $ 7,021 $ 1,188  
Real Estate Loans [Member] | Agricultural [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] | Agricultural [Member] | Term Modification [Member]      
Financing receivable modifications [Abstract]      
Number of contracts | Contract 4 5  
Pre-modification outstanding recorded investment $ 1,475 $ 1,956  
Post-modification outstanding recorded investment $ 1,475 $ 1,956  
Other Commercial Loans [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  
Other Commercial Loans [Member] | Term Modification [Member]      
Financing receivable modifications [Abstract]      
Number of contracts | Contract 1 3  
Pre-modification outstanding recorded investment $ 9 $ 3,076  
Post-modification outstanding recorded investment $ 9 $ 3,076  
Other Agricultural Loans [Member]      
Recidivism receivables [Abstract]      
Number of contract, subsequently defaults | Contract 2 0 0
Total recidivism, Recorded investment $ 632 $ 0 $ 0
Other Agricultural Loans [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  
Other Agricultural Loans [Member] | Term Modification [Member]      
Financing receivable modifications [Abstract]      
Number of contracts | Contract 1 7  
Pre-modification outstanding recorded investment $ 161 $ 1,558  
Post-modification outstanding recorded investment $ 161 $ 1,558  
XML 72 R58.htm IDEA: XBRL DOCUMENT v3.8.0.1
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES, Foreclosed Assets Held For Sale (Details) - USD ($)
$ in Thousands
Dec. 31, 2017
Dec. 31, 2016
Foreclosed assets held for sale [Abstract]    
Foreclosed assets held for sale $ 1,119 $ 1,036
Consumer Residential Mortgages [Member]    
Foreclosed assets held for sale [Abstract]    
Foreclosed assets held for sale 254  
Formal foreclosure proceedings on potential foreclosure assets $ 1,600  
XML 73 R59.htm IDEA: XBRL DOCUMENT v3.8.0.1
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES, Allowance for Loan Losses by Portfolio Segment (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2017
Sep. 30, 2017
Jun. 30, 2017
Mar. 31, 2017
Dec. 31, 2016
Sep. 30, 2016
Jun. 30, 2016
Mar. 31, 2016
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Financing Receivable, Allowance for Credit Losses [Roll Forward]                      
Balance at beginning of period       $ 8,886       $ 7,106 $ 8,886 $ 7,106 $ 6,815
Charge-offs                 (313) (340) (238)
Recoveries                 77 600 49
Provision (benefit) $ 800 $ 500 $ 625 615 $ 750 $ 500 $ 135 135 2,540 1,520 480
Balance at end of period 11,190       8,886       11,190 8,886 7,106
Individually evaluated for impairment 410       487       410 487 355
Collectively evaluated for impairment 10,780       8,399       10,780 8,399 6,751
Real Estate Loans [Member] | Residential [Member]                      
Financing Receivable, Allowance for Credit Losses [Roll Forward]                      
Balance at beginning of period       1,064       905 1,064 905 878
Charge-offs                 (107) (85) (66)
Recoveries                 0 0 0
Provision (benefit)                 92 244 93
Balance at end of period 1,049       1,064       1,049 1,064 905
Individually evaluated for impairment 56       32       56 32 37
Collectively evaluated for impairment 993       1,032       993 1,032 868
Real Estate Loans [Member] | Commercial [Member]                      
Financing Receivable, Allowance for Credit Losses [Roll Forward]                      
Balance at beginning of period       3,589       3,376 3,589 3,376 3,419
Charge-offs                 (41) (100) (84)
Recoveries                 11 479 14
Provision (benefit)                 308 (166) 27
Balance at end of period 3,867       3,589       3,867 3,589 3,376
Individually evaluated for impairment 94       45       94 45 62
Collectively evaluated for impairment 3,773       3,544       3,773 3,544 3,314
Real Estate Loans [Member] | Agricultural [Member]                      
Financing Receivable, Allowance for Credit Losses [Roll Forward]                      
Balance at beginning of period       1,494       409 1,494 409 451
Charge-offs                 (30) 0 0
Recoveries                 0 0 0
Provision (benefit)                 1,679 1,085 (42)
Balance at end of period 3,143       1,494       3,143 1,494 409
Individually evaluated for impairment 3       54       3 54  
Collectively evaluated for impairment 3,140       1,440       3,140 1,440 409
Real Estate Loans [Member] | Construction [Member]                      
Financing Receivable, Allowance for Credit Losses [Roll Forward]                      
Balance at beginning of period       47       24 47 24 26
Charge-offs                 0 0 0
Recoveries                 0 0 0
Provision (benefit)                 (24) 23 (2)
Balance at end of period 23       47       23 47 24
Individually evaluated for impairment 0       0       0 0 0
Collectively evaluated for impairment 23       47       23 47 24
Consumer [Member]                      
Financing Receivable, Allowance for Credit Losses [Roll Forward]                      
Balance at beginning of period       122       102 122 102 84
Charge-offs                 (130) (100) (47)
Recoveries                 49 88 33
Provision (benefit)                 83 32 32
Balance at end of period 124       122       124 122 102
Individually evaluated for impairment 0       0       0 0 0
Collectively evaluated for impairment 124       122       124 122 102
Other Commercial Loans [Member]                      
Financing Receivable, Allowance for Credit Losses [Roll Forward]                      
Balance at beginning of period       1,327       1,183 1,327 1,183 1,007
Charge-offs                 0 (55) (41)
Recoveries                 16 33 2
Provision (benefit)                 (71) 166 215
Balance at end of period 1,272       1,327       1,272 1,327 1,183
Individually evaluated for impairment 231       326       231 326 256
Collectively evaluated for impairment 1,041       1,001       1,041 1,001 927
Other Agricultural Loans [Member]                      
Financing Receivable, Allowance for Credit Losses [Roll Forward]                      
Balance at beginning of period       312       122 312 122 217
Charge-offs                 (5) 0 0
Recoveries                 1 0 0
Provision (benefit)                 184 190 (95)
Balance at end of period 492       312       492 312 122
Individually evaluated for impairment 26       30       26 30  
Collectively evaluated for impairment 466       282       466 282 122
State and Political Subdivision Loans [Member]                      
Financing Receivable, Allowance for Credit Losses [Roll Forward]                      
Balance at beginning of period       833       593 833 593 545
Charge-offs                 0 0 0
Recoveries                 0 0 0
Provision (benefit)                 (17) 240 48
Balance at end of period 816       833       816 833 593
Individually evaluated for impairment 0       0       0 0 0
Collectively evaluated for impairment 816       833       816 833 593
Unallocated [Member]                      
Financing Receivable, Allowance for Credit Losses [Roll Forward]                      
Balance at beginning of period       $ 98       $ 392 98 392 188
Charge-offs                 0 0 0
Recoveries                 0 0 0
Provision (benefit)                 306 (294) 204
Balance at end of period 404       98       404 98 392
Individually evaluated for impairment 0       0       0 0 0
Collectively evaluated for impairment $ 404       $ 98       $ 404 $ 98 $ 392
XML 74 R60.htm IDEA: XBRL DOCUMENT v3.8.0.1
PREMISES & EQUIPMENT (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Property, Plant and Equipment [Line Items]      
Premises and equipment, gross $ 29,226 $ 29,108  
Less: accumulated depreciation 12,703 12,078  
Premises and equipment, net 16,523 17,030  
Depreciation expense 776 763 $ 608
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 17,402 17,315  
Furniture, Fixtures and Equipment [Member]      
Property, Plant and Equipment [Line Items]      
Premises and equipment, gross 6,698 6,678  
Construction in Process [Member]      
Property, Plant and Equipment [Line Items]      
Premises and equipment, gross $ 16 $ 5  
XML 75 R61.htm IDEA: XBRL DOCUMENT v3.8.0.1
GOODWILL AND OTHER INTANGIBLE ASSETS (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Amortizing intangible assets [Abstract]    
Gross carrying value [1] $ 3,516 $ 3,237
Accumulated amortization [1] (1,563) (1,141)
Net carrying value [1] 1,953 2,096
Non-amortized intangible assets [Abstract]    
Goodwill 23,296 21,089
Actual and Estimated Future Amortization Expense [Abstract]    
Amortization expense 474  
Estimated Amortization Expense [Abstract]    
2018 480  
2019 407  
2020 312  
2021 253  
2022 197  
MSRs [Member]    
Amortizing intangible assets [Abstract]    
Gross carrying value [1] 1,605 1,471
Accumulated amortization [1] (912) (787)
Net carrying value [1] 693 684
Actual and Estimated Future Amortization Expense [Abstract]    
Amortization expense 177  
Estimated Amortization Expense [Abstract]    
2018 184  
2019 148  
2020 115  
2021 88  
2022 64  
Core Deposit Intangibles [Member]    
Amortizing intangible assets [Abstract]    
Gross carrying value [1] 1,786 1,641
Accumulated amortization [1] (586) (320)
Net carrying value [1] 1,200 1,321
Actual and Estimated Future Amortization Expense [Abstract]    
Amortization expense 266  
Estimated Amortization Expense [Abstract]    
2018 265  
2019 230  
2020 197  
2021 165  
2022 133  
Covenant not to Compete [Member]    
Amortizing intangible assets [Abstract]    
Gross carrying value [1] 125 125
Accumulated amortization [1] (65) (34)
Net carrying value [1] 60 $ 91
Actual and Estimated Future Amortization Expense [Abstract]    
Amortization expense 31  
Estimated Amortization Expense [Abstract]    
2018 31  
2019 29  
2020 0  
2021 0  
2022 $ 0  
[1] Excludes fully amortized intangible assets
XML 76 R62.htm IDEA: XBRL DOCUMENT v3.8.0.1
FEDERAL HOME LOAN BANK (FHLB) STOCK (Details) - USD ($)
$ / shares in Units, $ in Thousands
Dec. 31, 2017
Dec. 31, 2016
FEDERAL HOME LOAN BANK (FHLB) STOCK [Abstract]    
Federal home loan bank stock $ 6,021 $ 4,542
FHLB Stock, at par value (in dollars per share) $ 100  
XML 77 R63.htm IDEA: XBRL DOCUMENT v3.8.0.1
DEPOSITS (Details) - USD ($)
$ in Thousands
Dec. 31, 2017
Dec. 31, 2016
DEPOSITS [Abstract]    
Non-interest-bearing deposits $ 171,840 $ 147,425
NOW accounts 337,307 305,862
Savings deposits 184,057 170,722
Money market deposit accounts 145,287 116,880
Certificates of deposit 266,452 264,614
Total deposits 1,104,943 1,005,503
Certificates of deposit of $250,000 or more [Abstract]    
Certificates of deposit of $250,000 or more 62,561 $ 56,743
Maturities of certificates of deposit [Abstract]    
2018 107,591  
2019 51,071  
2020 56,515  
2021 24,390  
2022 20,870  
Thereafter 6,015  
Total certificates of deposit $ 266,452  
XML 78 R64.htm IDEA: XBRL DOCUMENT v3.8.0.1
BORROWED FUNDS AND REPURCHASE AGREEMENTS, Breakdown of Borrowed Funds (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Debt Instrument [Line Items]    
Borrowed funds $ 114,664 $ 79,662
Highest balance at any month-end 119,526 85,282
Average balance $ 68,536 $ 47,004
Weighted average interest rate paid during the year 1.77% 1.69%
Weighted average interest rate as of year end 1.80% 1.36%
Securities Sold Under Agreements to Repurchase [Member]    
Debt Instrument [Line Items]    
Borrowed funds [1] $ 14,989 $ 14,307
Highest balance at any month-end [1] 16,643 16,132
Average balance [1] $ 15,598 $ 15,057
Weighted average interest rate paid during the year [1] 0.97% 0.49%
Weighted average interest rate as of year end [1] 1.37% 0.67%
FHLB Advances [Member]    
Debt Instrument [Line Items]    
Borrowed funds [2] $ 77,650 $ 41,330
Federal Home Loan Bank, advances, highest balance at any month-end [2] 78,858 45,125
Federal Home Loan Bank, advances, average balance [2] $ 29,409 $ 7,917
Federal Home Loan Bank, advances, weighted average interest rate paid during the year [2] 1.25% 0.63%
Federal Home Loan Bank, advances, weighted average interest rate as of year-end [2] 1.54% 0.74%
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] $ 1 $ 2
Weighted average interest rate paid during the year [3] 1.52% 0.76%
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] $ 2 $ 3
Weighted average interest rate paid during the year [4] 1.75% 1.00%
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] 4.06% 3.55%
Weighted average interest rate as of year end [5] 4.40% 3.79%
Term Loans [Member]    
Debt Instrument [Line Items]    
Borrowed funds [6] $ 14,525 $ 16,525
Highest balance at any month-end [6] 16,525 16,525
Average balance [6] $ 16,026 $ 16,525
Weighted average interest rate paid during the year [6] 2.44% 2.44%
Weighted average interest rate as of year end [6] 2.42% 2.44%
[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.
[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 $453,407,000, 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, 2017 and 2016, the Company has a borrowing limit of $4,400,000 and $4,360,000, respectively, inclusive of any outstanding advances. The approximate carrying value of the municipal loan collateral was $14,590,000 and $15,560,000 as of December 31, 2017 and 2016, 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 $75,000 have been capitalized and fully amortized as of December 31, 2008. Under current accounting rules, the Company's minority interest in the Entity was recorded at the initial investment amount and is included in the other assets section of the balance sheet. The Entity is not consolidated as part of the Company's consolidated financial statements.
[6] Term Loans consist of separate loans with the FHLB of Pittsburgh as follows (in thousands):
XML 79 R65.htm IDEA: XBRL DOCUMENT v3.8.0.1
BORROWED FUNDS AND REPURCHASE AGREEMENTS, Collateral Pledged on the Repurchase Agreements by Contractual Maturity (Details) - USD ($)
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2008
Dec. 31, 2003
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]        
Total carrying value of collateral pledged $ 18,062,000 $ 18,177,000    
Total liability recognized for repurchase agreements 14,989,000 14,307,000    
Debt Instrument [Line Items]        
Borrowed funds 114,664,000 79,662,000    
Overnight and Continuous [Member]        
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]        
Total carrying value of collateral pledged 16,027,000 16,118,000    
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 16,027,000 16,118,000    
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 2,035,000 2,059,000    
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 2,035,000 2,059,000    
Securities Sold Under Agreements to Repurchase [Member]        
Debt Instrument [Line Items]        
Borrowed funds [1] 14,989,000 14,307,000    
FHLB Advances [Member]        
Debt Instrument [Line Items]        
Maximum borrowing limit 453,407,000      
Borrowed funds [2] 77,650,000 41,330,000    
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 4,400,000 4,360,000    
Carrying value of securities pledged as collateral 14,590,000 15,560,000    
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] $ 14,525,000 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    
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.
[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 $453,407,000, 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, 2017 and 2016, the Company has a borrowing limit of $4,400,000 and $4,360,000, respectively, inclusive of any outstanding advances. The approximate carrying value of the municipal loan collateral was $14,590,000 and $15,560,000 as of December 31, 2017 and 2016, 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 $75,000 have been capitalized and fully amortized as of December 31, 2008. Under current accounting rules, the Company's minority interest in the Entity was recorded at the initial investment amount and is included in the other assets section of the balance sheet. The Entity is not consolidated as part of the Company's consolidated financial statements.
[6] Term Loans consist of separate loans with the FHLB of Pittsburgh as follows (in thousands):
XML 80 R66.htm IDEA: XBRL DOCUMENT v3.8.0.1
BORROWED FUNDS AND REPURCHASE AGREEMENTS, Maturities of Borrowed Funds (Details) - USD ($)
$ in Thousands
Dec. 31, 2017
Dec. 31, 2016
Maturities of borrowed funds [Abstract]    
2018 $ 100,025  
2019 2,000  
2020 580  
2021 7,334  
2022 4,725  
Thereafter 0  
Total borrowed funds $ 114,664 $ 79,662
XML 81 R67.htm IDEA: XBRL DOCUMENT v3.8.0.1
EMPLOYEE BENEFIT PLANS, Noncontributory Defined Benefit Pension Plan (Details)
 12 Months Ended
Dec. 31, 2017
USD ($)
Plan
Dec. 31, 2016
USD ($)
Dec. 31, 2015
USD ($)
EMPLOYEE BENEFIT PLANS [Abstract]      
Number of plans | Plan 2    
Employer discretionary contribution to 401 (k) plan $ 133,000 $ 82,000 $ 61,000
Amounts recognized in accumulated other comprehensive loss consists of [Abstract]      
Total 83,000 (258,000) (114,000)
Pension Plan [Member]      
Change in benefit obligation [Roll Forward]      
Benefit obligation at beginning of year 18,603,000 17,809,000  
Service cost 349,000 345,000 352,000
Interest cost 671,000 692,000 424,000
Actuarial (Gain) / Loss 1,015,000 439,000  
Benefits paid (805,000) (682,000)  
Benefit obligation at end of year 19,833,000 18,603,000 17,809,000
Change in plan assets [Roll Forward]      
Fair value of plan assets at beginning of year 15,786,000 14,786,000  
Actual return (loss) on plan assets 2,011,000 864,000  
Employer contributions 3,000,000 818,000 400,000
Benefits paid (805,000) (682,000)  
Fair value of plan assets at end of year 19,992,000 15,786,000 14,786,000
Funded status 159,000 (2,817,000)  
Amounts recognized in accumulated other comprehensive loss consists of [Abstract]      
Net loss 4,088,000 4,263,000  
Prior service cost (127,000) (175,000)  
Total 3,961,000 4,088,000  
Components of net periodic benefit cost [Abstract]      
Service cost 349,000 345,000 352,000
Interest cost 671,000 692,000 424,000
Return on plan assets (1,094,000) (1,034,000) (791,000)
Net amortization and deferral 224,000 219,000 205,000
Net periodic benefit cost 150,000 $ 222,000 $ 190,000
Amounts that will be amortized from accumulated other comprehensive loss into the net periodic benefit cost in 2017, related to estimated net loss 233,000    
Amounts that will be amortized from accumulated other comprehensive loss into the net periodic benefit cost in 2017 related to prior service cost (benefit) $ (48,000)    
Weighted-average assumptions used to determine benefit obligations [Abstract]      
Discount rate 3.35% 3.78%  
Rate of compensation increase 3.00% 3.00%  
Weighted-average assumptions used to determine net periodic benefit cost (income) [Abstract]      
Discount rate 3.78% 3.94% 3.61%
Expected long-term return on plan assets 7.00% 7.00% 7.00%
Rate of compensation increase 3.00% 3.00% 3.00%
XML 82 R68.htm IDEA: XBRL DOCUMENT v3.8.0.1
EMPLOYEE BENEFIT PLANS, Noncontributory Defined Benefit Pension Plan Fair Value of Plan Assets (Details) - Pension Plan [Member] - USD ($)
Dec. 31, 2017
Dec. 31, 2016
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 19,992,000 $ 15,786,000
Allocation 100.00% 100.00%
Expected employer contribution to pension plan $ 0  
Expected future benefit payments [Abstract]    
2018 629,000  
2019 1,896,000  
2020 1,599,000  
2021 1,421,000  
2022 843,000  
2023 - 2027 7,805,000  
Level I [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets 15,935,000 $ 11,502,000
Level II [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets 4,057,000 4,284,000
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 $ 3,827,000 $ 863,000
Allocation 19.10% 5.50%
Cash and Cash Equivalents [Member] | Level I [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 3,827,000 $ 863,000
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]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 6,018,000 $ 5,404,000
Allocation 30.10% 34.10%
Equity Securities [Member] | Level I [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 6,018,000 $ 5,404,000
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
Equity Securities [Member] | Minimum [Member]    
Target Allocations of Assets [Abstract]    
Target plan asset allocations 50.00%  
Equity Securities [Member] | Maximum [Member]    
Target Allocations of Assets [Abstract]    
Target plan asset allocations 70.00%  
Mutual Funds and ETF's [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 6,090,000 $ 5,235,000
Allocation 30.50% 33.20%
Mutual Funds and ETF's [Member] | Level I [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 6,090,000 $ 5,235,000
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]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 3,469,000 $ 3,641,000
Allocation 17.40% 23.10%
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 3,469,000 3,641,000
Corporate Bonds [Member] | Level III [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 0 0
Corporate Bonds [Member] | Minimum [Member]    
Target Allocations of Assets [Abstract]    
Target plan asset allocations 30.00%  
Corporate Bonds [Member] | Maximum [Member]    
Target Allocations of Assets [Abstract]    
Target plan asset allocations 50.00%  
Municipal Bonds [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 105,000 $ 107,000
Allocation 0.50% 0.70%
Municipal Bonds [Member] | Level II [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 105,000 $ 107,000
U.S. Agency Securities [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 483,000 $ 536,000
Allocation 2.40% 3.40%
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 483,000 536,000
U.S. Agency Securities [Member] | Level III [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets 0 0
Certificates of Deposit [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 0  
Allocation 0.00%  
Certificates of Deposit [Member] | Level I [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 0  
Certificates of Deposit [Member] | Level II [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets 0  
Certificates of Deposit [Member] | Level III [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets 0  
Common Stock [Member]    
Plan assets at fair value [Abstract]    
Fair value of plan assets $ 684,000 $ 548,000
Allocation 3.40% 3.50%
XML 83 R69.htm IDEA: XBRL DOCUMENT v3.8.0.1
EMPLOYEE BENEFIT PLANS, Defined Contribution Plan (Details) - USD ($)
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
EMPLOYEE BENEFIT PLANS [Abstract]      
Employer contribution to 401 (k) defined contribution plan $ 388,000 $ 351,000 $ 285,000
XML 84 R70.htm IDEA: XBRL DOCUMENT v3.8.0.1
EMPLOYEE BENEFIT PLANS, Directors' Deferred Compensation Plan (Details) - Director [Member] - USD ($)
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Deferred Compensation Arrangement with Individual, Postretirement Benefits [Line Items]      
Deferred compensation liability $ 928,000 $ 940,000  
Deferred interest expense $ 19,000 $ 15,000 $ 22,000
XML 85 R71.htm IDEA: XBRL DOCUMENT v3.8.0.1
EMPLOYEE BENEFIT PLANS, Restricted Stock Plan (Details) - USD ($)
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Additional General Disclosures [Abstract]      
Share-based compensation expense $ 278,000 $ 284,000 $ 179,000
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) 141,408    
Unvested Shares [Roll Forward]      
Outstanding, beginning of year (in shares) 8,471    
Granted (in shares) 4,482    
Forfeited (in shares) (43)    
Vested (in shares) (4,127)    
Outstanding, end of year (in shares) 8,783 8,471  
Weighted Average Market Price [Roll Forward]      
Outstanding, beginning of year (in dollars per share) $ 49.10    
Granted (in dollars per share) 53.84 $ 48.13 $ 49.02
Forfeited (in dollars per share) 48.56    
Vested (in dollars per share) 49.78    
Outstanding, end of year (in dollars per share) $ 51.20 $ 49.10  
Additional General Disclosures [Abstract]      
Share-based compensation expense $ 214,000 $ 193,000 $ 172,000
Compensation cost related to nonvested awards that has not yet recognized $ 450,000    
Period over which compensation cost is expected to be recognized 3 years    
XML 86 R72.htm IDEA: XBRL DOCUMENT v3.8.0.1
EMPLOYEE BENEFIT PLANS, Other Plans (Details) - USD ($)
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Defined Benefit Plan Disclosure [Line Items]      
Obligation included in other liabilities $ 578,000 $ 569,000  
Supplemental Executive Retirement Plan [Member]      
Defined Benefit Plan Disclosure [Line Items]      
Obligation included in other liabilities 1,571,000 1,460,000  
Cost recognized 111,000 121,000 $ 141,000
Salary Continuation Plan [Member]      
Defined Benefit Plan Disclosure [Line Items]      
Obligation included in other liabilities 716,000 720,000  
Cost recognized 54,000 62,000 0
Continuation of Life Insurance Plan [Member]      
Defined Benefit Plan Disclosure [Line Items]      
Obligation included in other liabilities 578,000 569,000  
Cost recognized $ 9,000 $ 0 $ 0
XML 87 R73.htm IDEA: XBRL DOCUMENT v3.8.0.1
INCOME TAXES (Details)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2017
USD ($)
Sep. 30, 2017
USD ($)
Jun. 30, 2017
USD ($)
Mar. 31, 2017
USD ($)
Dec. 31, 2016
USD ($)
Sep. 30, 2016
USD ($)
Jun. 30, 2016
USD ($)
Mar. 31, 2016
USD ($)
Dec. 31, 2017
USD ($)
Partnership
Dec. 31, 2016
USD ($)
Partnership
Dec. 31, 2015
USD ($)
Provision for income taxes [Abstract]                      
Currently payable                 $ 4,583 $ 2,672 $ 2,913
Change in corporate tax rate                 1,531 0 0
Deferred tax                 (83) 362 (192)
Provision for income taxes $ 2,934 $ 1,141 $ 1,033 $ 923 $ 789 $ 767 $ 687 $ 791 6,031 3,034 2,721
Deferred tax assets [Abstract]                      
Allowance for loan losses 3,058       4,518       3,058 4,518  
Deferred compensation 464       757       464 757  
Merger & acquisition costs 7       16       7 16  
Allowance for losses on available-for-sale securities 6       250       6 250  
Pensions and other retirement obligation 297       1,454       297 1,454  
Interest on non-accrual loans 917       1,259       917 1,259  
Incentive plan accruals 324       421       324 421  
Other real estate owned 108       152       108 152  
Unrealized losses on available-for-sale securities 71       0       71 0  
Low income housing tax credits 64       94       64 94  
NOL carry forward 339       709       339 709  
AMT Credit Carryforward 8       8       8 8  
Other 117       156       117 156  
Total 5,780       9,794       5,780 9,794  
Deferred tax liabilities [Abstract]                      
Premises and equipment (623)       (998)       (623) (998)  
Investment securities accretion (66)       (189)       (66) (189)  
Loan fees and costs (257)       (369)       (257) (369)  
Goodwill and core deposit intangibles (2,200)       (3,573)       (2,200) (3,573)  
Mortgage servicing rights (146)       (233)       (146) (233)  
Unrealized gains on available-for-sale securities 0       (673)       0 (673)  
Other (7)       (17)       (7) (17)  
Total (3,299)       (6,052)       (3,299) (6,052)  
Deferred tax asset, net 2,481       3,742       2,481 3,742  
Valuation allowance 0       0       0 0  
Total provision for income taxes reconciliation [Abstract]                      
Provision at statutory rates on pre-tax income                 6,505 5,328 4,878
Effect of tax-exempt income                 (1,710) (1,943) (1,915)
Low income housing tax credits                 (141) (198) (198)
Bank owned life insurance                 (225) (234) (214)
Nondeductible interest                 54 55 61
Nondeductible merger and acquisition expenses                 0 0 102
Change in tax rate                 1,531 0 0
Other items                 17 26 7
Provision for income taxes 2,934 $ 1,141 $ 1,033 $ 923 789 $ 767 $ 687 $ 791 $ 6,031 $ 3,034 $ 2,721
Statutory tax rates                 34.00% 34.00% 34.00%
Effective tax rates                 31.60% 19.40% 19.00%
Minimum percentages of tax position liable to be realized upon ultimate settlement                 50.00%    
Liability for uncertain tax positions 0               $ 0    
Unrecognized tax benefits 0               $ 0    
Number of investments in partnerships | Partnership                 4 4  
Investment amount in partnerships 541       $ 700       $ 541 $ 700  
Tax Credit Carryforward [Line Items]                      
Investment tax credits $ 705               705    
Amortization of investments in other expenses                 $ 159 259 $ 259
Investment Tax Credit Carryforward [Member]                      
Tax Credit Carryforward [Line Items]                      
Tax credits recognition period                 5 years    
Tax credits recognized as reduction of tax expense amount                 $ 141 $ 198 $ 198
XML 88 R74.htm IDEA: XBRL DOCUMENT v3.8.0.1
OTHER COMPREHENSIVE INCOME (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Components of accumulated other comprehensive income (loss), net of tax [Abstract]      
Net unrealized gain on securities available for sale $ (340) $ 1,979  
Tax effect 71 (673)  
Net -of-tax amount (269) 1,306  
Unrecognized pension costs (3,961) (4,088)  
Tax effect 832 1,390  
Net -of-tax amount (3,129) (2,698)  
Total accumulated other comprehensive income (3,398) (1,392)  
Accumulated Other Comprehensive Income Loss [Line Items]      
Balance 123,268 119,760 $ 100,528
Other comprehensive income (loss) before reclassifications (net of tax) (912) (1,133) (855)
Amounts reclassified from accumulated other comprehensive income (loss) (net of tax) (535) (23) (148)
Net other comprehensive income (1,447) (1,156) (1,003)
Change in other comprehensive income due to change in the federal tax rate 0    
Balance 129,011 123,268 119,760
Accumulated Other Comprehensive Income (Loss) [Member]      
Accumulated Other Comprehensive Income Loss [Line Items]      
Balance (1,392) (236) 767
Net other comprehensive income (1,447) (1,156) (1,003)
Change in other comprehensive income due to change in the federal tax rate (559)    
Balance (3,398) (1,392) (236)
Unrealized Gains (Loss) on Available For Sale Securities [Member]      
Accumulated Other Comprehensive Income Loss [Line Items]      
Balance [1] 1,306 2,204 3,093
Other comprehensive income (loss) before reclassifications (net of tax) [1] (847) (730) (606)
Amounts reclassified from accumulated other comprehensive income (loss) (net of tax) [1] (683) (168) (283)
Net other comprehensive income [1] (1,530) (898) (889)
Change in other comprehensive income due to change in the federal tax rate [1] (45)    
Balance [1] (269) 1,306 2,204
Defined Benefit Pension Items [Member]      
Accumulated Other Comprehensive Income Loss [Line Items]      
Balance [1] (2,698) (2,440) (2,326)
Other comprehensive income (loss) before reclassifications (net of tax) [1] (65) (403) (249)
Amounts reclassified from accumulated other comprehensive income (loss) (net of tax) [1] 148 145 135
Net other comprehensive income [1] 83 (258) (114)
Change in other comprehensive income due to change in the federal tax rate [1] (514)    
Balance [1] $ (3,129) $ (2,698) $ (2,440)
[1] Amounts in parentheses indicate debits on the consolidated balance sheet.
XML 89 R75.htm IDEA: XBRL DOCUMENT v3.8.0.1
OTHER COMPREHENSIVE INCOME, Reclassification (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2017
Sep. 30, 2017
Jun. 30, 2017
Mar. 31, 2017
Dec. 31, 2016
Sep. 30, 2016
Jun. 30, 2016
Mar. 31, 2016
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]                      
Investment securities gains, net $ 831 $ 9 $ 23 $ 172 $ 100 $ 0 $ 128 $ 27 $ 1,035 $ 255 $ 429
Salaries and employee benefits                 (17,456) (16,410) (12,504)
Provision for income taxes (2,934) (1,141) (1,033) (923) (789) (767) (687) (791) (6,031) (3,034) (2,721)
NET INCOME $ 2,604 $ 3,650 $ 3,468 $ 3,303 $ 3,171 $ 3,153 $ 3,031 $ 3,283 13,025 12,638 11,626
Amount Reclassified from Accumulated Comprehensive Income (Loss) [Member]                      
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]                      
NET INCOME [1]                 535 23 148
Unrealized Gains and Losses on Available For Sale Securities [Member] | Amount Reclassified from Accumulated Comprehensive Income (Loss) [Member]                      
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]                      
Investment securities gains, net [1]                 1,035 255 429
Provision for income taxes [1]                 (352) (87) (146)
NET INCOME [1]                 683 168 283
Defined Benefit Pension Items [Member] | Amount Reclassified from Accumulated Comprehensive Income (Loss) [Member]                      
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]                      
Salaries and employee benefits [1]                 (224) (219) (205)
Provision for income taxes [1]                 76 74 70
NET INCOME [1]                 $ (148) $ (145) $ (135)
[1] Amounts in parentheses indicate debits.
XML 90 R76.htm IDEA: XBRL DOCUMENT v3.8.0.1
RELATED PARTY TRANSACTIONS (Details) - Officers, Directors, Stockholders and Associates [Member] - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Loans to Related Parties [Roll Forward]    
Balance, beginning of year $ 5,570 $ 5,343
New loans 4,161 4,512
Repayments (5,146) (4,285)
Balance, end of year $ 4,585 $ 5,570
XML 91 R77.htm IDEA: XBRL DOCUMENT v3.8.0.1
REGULATORY MATTERS (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2017
USD ($)
Category
Dec. 31, 2016
USD ($)
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 $ 12,656  
Loans [Abstract]    
Regulatory lending limit $ 19,287  
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Number of capital categories | Category 5  
Company [Member]    
Actual Amount [Abstract]    
Total capital (to risk-weighted assets) $ 128,578 $ 121,717
Tier 1 capital (to risk-weighted assets) 117,224 112,599
Common equity tier 1 capital (to risk weighted assets) 109,724 105,099
Tier 1 capital (to average assets) $ 117,224 $ 112,599
Actual Ratio [Abstract]    
Total capital (to risk-weighted assets) 13.20% 14.93%
Tier 1 capital (to risk-weighted assets) 12.04% 13.81%
Common equity Tier 1 capital (to risk weighted assets) 11.27% 12.89%
Tier 1 capital (to average assets) 9.18% 9.46%
For Capital Adequacy Purposes Amount [Abstract]    
Total capital (to risk-weighted assets) $ 77,906 $ 65,217
Tier 1 capital (to risk-weighted assets) 58,430 48,913
Common equity Tier 1 capital (to risk weighted assets) 43,822 36,685
Tier 1 capital (to average assets) $ 51,085 $ 47,586
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) $ 97,383 $ 81,522
Tier 1 capital (to risk-weighted assets) 77,906 65,217
Common equity Tier 1 capital (to risk weighted assets) 63,299 52,989
Tier 1 capital (to average assets) $ 63,857 $ 59,483
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%
Bank [Member]    
Actual Amount [Abstract]    
Total capital (to risk-weighted assets) $ 122,469 $ 117,537
Tier 1 capital (to risk-weighted assets) 111,114 108,419
Common equity tier 1 capital (to risk weighted assets) 111,114 108,419
Tier 1 capital (to average assets) $ 111,114 $ 108,419
Actual Ratio [Abstract]    
Total capital (to risk-weighted assets) 12.58% 14.46%
Tier 1 capital (to risk-weighted assets) 11.42% 13.34%
Common equity Tier 1 capital (to risk weighted assets) 11.42% 13.34%
Tier 1 capital (to average assets) 8.71% 9.13%
For Capital Adequacy Purposes Amount [Abstract]    
Total capital (to risk-weighted assets) $ 77,852 $ 65,020
Tier 1 capital (to risk-weighted assets) 58,389 48,765
Common equity Tier 1 capital (to risk weighted assets) 43,792 36,574
Tier 1 capital (to average assets) $ 51,023 $ 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) $ 97,315 $ 81,275
Tier 1 capital (to risk-weighted assets) 77,852 65,020
Common equity Tier 1 capital (to risk weighted assets) 63,255 52,829
Tier 1 capital (to average assets) $ 63,778 $ 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%
XML 92 R78.htm IDEA: XBRL DOCUMENT v3.8.0.1
COMMITMENTS AND CONTINGENT LIABILITIES (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2017
USD ($)
Claim
Dec. 31, 2016
USD ($)
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual obligation $ 203,726 $ 221,460
Coverage period for instruments 1 year  
Non-contractual obligation $ 9,335  
Number of claims pending | Claim 0  
Commitments to Extend Credit [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual obligation $ 188,482 206,505
Standby Letter of Credit [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual obligation $ 15,244 $ 14,955
XML 93 R79.htm IDEA: XBRL DOCUMENT v3.8.0.1
OPERATING LEASES (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Future minimum rental payments under operating leases [Abstract]      
2018 $ 324    
2019 327    
2020 219    
2021 171    
2022 158    
Thereafter 141    
Total 1,340    
Total rental expense $ 351 $ 289 $ 175
XML 94 R80.htm IDEA: XBRL DOCUMENT v3.8.0.1
FAIR VALUE OF FINANCIAL INSTRUMENTS, Measured On A Recurring And Nonrecurring Basis (Details) - USD ($)
$ in Thousands
Dec. 31, 2017
Dec. 31, 2016
Recurring [Member]    
Securities available for sale [Abstract]    
U.S. Agency securities $ 98,887 $ 170,414
U.S. Treasuries securities 28,604 3,000
Obligations of state and political subdivisions 79,090 96,926
Corporate obligations 3,083 3,050
Mortgage-backed securities in government sponsored entities 45,027 37,728
Equity securities in financial institutions 91 2,899
Recurring [Member] | Level I [Member]    
Securities available for sale [Abstract]    
U.S. Agency securities 0 0
U.S. Treasuries securities 28,604 3,000
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 91 2,899
Recurring [Member] | Level II [Member]    
Securities available for sale [Abstract]    
U.S. Agency securities 98,887 170,414
U.S. Treasuries securities 0 0
Obligations of state and political subdivisions 79,090 96,926
Corporate obligations 3,083 3,050
Mortgage-backed securities in government sponsored entities 45,027 37,728
Equity securities in financial institutions 0 0
Recurring [Member] | Level III [Member]    
Securities available for sale [Abstract]    
U.S. Agency securities 0 0
U.S. Treasuries securities 0 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 1,569 2,033
Other real estate owned 1,024 839
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 1,569 2,033
Other real estate owned $ 1,024 $ 839
XML 95 R81.htm IDEA: XBRL DOCUMENT v3.8.0.1
FAIR VALUE OF FINANCIAL INSTRUMENTS, Quantitative Information (Details) - Appraised Collateral Values [Member] - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Impaired Loans [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value $ 1,569 $ 2,033
Valuation Technique(s) Appraised Collateral Values Appraised Collateral Values
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% 5.00%
Holding period 6 months 6 months
Impaired Loans [Member] | Maximum [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Discount for time since appraisal 100.00% 65.00%
Selling costs 9.00% 9.00%
Holding period 12 months 12 months
Impaired Loans [Member] | Weighted Average [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Discount for time since appraisal 30.83% 28.98%
Selling costs 8.35% 7.56%
Holding period 11 months 11 months
Other Real Estate Owned [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value $ 1,024 $ 839
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 15.00% 10.00%
Other Real Estate Owned [Member] | Maximum [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Discount for time since appraisal 65.00% 67.00%
Other Real Estate Owned [Member] | Weighted Average [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Discount for time since appraisal 26.26% 25.45%
XML 96 R82.htm IDEA: XBRL DOCUMENT v3.8.0.1
FAIR VALUE OF FINANCIAL INSTRUMENTS, By Balance Sheet Grouping (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Financial Assets [Abstract]    
Interest bearing time deposits with other banks $ 10,283 $ 6,955
Available-for-sale securities $ 254,782 314,017
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 $ 18,517 17,754
Interest bearing time deposits with other banks 0 0
Available-for-sale securities 28,695 5,899
Loans held for sale 1,439 1,827
Net loans 0 0
Bank owned life insurance 26,883 26,223
Regulatory stock 6,784 5,306
Accrued interest receivable 4,196 4,089
Financial Liabilities [Abstract]    
Deposits 838,490 740,889
Borrowed funds 77,650 41,330
Accrued interest payable 897 720
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 226,087 308,118
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 10,287 6,960
Available-for-sale securities 0 0
Loans held for sale 0  
Net loans 981,238 797,184
Bank owned life insurance 0 0
Regulatory stock 0 0
Accrued interest receivable 0 0
Financial Liabilities [Abstract]    
Deposits 263,093 263,183
Borrowed funds 35,802 36,095
Accrued interest payable 0 0
Carrying Amount [Member]    
Financial Assets [Abstract]    
Cash and due from banks 18,517 17,754
Interest bearing time deposits with other banks 10,283 6,955
Available-for-sale securities 254,782 314,017
Loans held for sale 1,439 1,827
Net loans 989,335 790,725
Bank owned life insurance 26,883 26,223
Regulatory stock 6,784 5,306
Accrued interest receivable 4,196 4,089
Financial Liabilities [Abstract]    
Deposits 1,104,943 1,005,503
Borrowed funds 114,664 79,662
Accrued interest payable 897 720
Fair Value [Member]    
Financial Assets [Abstract]    
Cash and due from banks 18,517 17,754
Interest bearing time deposits with other banks 10,287 6,960
Available-for-sale securities 254,782 314,017
Loans held for sale 1,439 1,827
Net loans 981,238 797,184
Bank owned life insurance 26,883 26,223
Regulatory stock 6,784 5,306
Accrued interest receivable 4,196 4,089
Financial Liabilities [Abstract]    
Deposits 1,101,583 1,004,072
Borrowed funds 113,452 77,425
Accrued interest payable $ 897 $ 720
XML 97 R83.htm IDEA: XBRL DOCUMENT v3.8.0.1
CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2017
Sep. 30, 2017
Jun. 30, 2017
Mar. 31, 2017
Dec. 31, 2016
Sep. 30, 2016
Jun. 30, 2016
Mar. 31, 2016
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Assets [Abstract]                        
Cash $ 16,347       $ 16,854       $ 16,347 $ 16,854    
Available-for-sale securities 254,782       314,017       254,782 314,017    
Investment in subsidiary [Abstract]                        
Other assets 14,679       13,454       14,679 13,454    
TOTAL ASSETS 1,361,886       1,223,018       1,361,886 1,223,018    
Liabilities [Abstract]                        
Other liabilities 12,371       13,865       12,371 13,865    
Borrowed funds 114,664       79,662       114,664 79,662    
TOTAL LIABILITIES 1,232,875       1,099,750       1,232,875 1,099,750    
Stockholders' equity 129,011       123,268       129,011 123,268 $ 119,760 $ 100,528
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 1,361,886       1,223,018       1,361,886 1,223,018    
Dividends from [Abstract]                        
TOTAL INTEREST AND DIVIDEND INCOME 12,895 $ 12,120 $ 11,778 $ 11,300 11,169 $ 10,948 $ 10,426 $ 10,462 48,093 43,005 35,653  
Realized securities gains 831 9 23 172 100 0 128 27 1,035 255 429  
Expenses                 6,021 6,645 4,900  
NET INCOME 2,604 3,650 3,468 3,303 3,171 3,153 3,031 3,283 13,025 12,638 11,626  
Comprehensive income                 11,578 11,482 10,623  
Cash flows from operating activities [Abstract]                        
Net income 2,604 3,650 3,468 3,303 3,171 3,153 3,031 3,283 13,025 12,638 11,626  
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]                        
Investment securities gains, net (831) $ (9) $ (23) (172) (100) $ 0 $ (128) (27) (1,035) (255) (429)  
Other, net                 (1,814) 827 (319)  
Net cash provided by operating activities                 15,739 16,194 12,811  
Cash flows from investing activities [Abstract]                        
Purchases of available-for-sale securities                 (54,003) (55,600) (111,304)  
Proceeds from the sale of available-for-sale securities                 58,177 22,372 30,464  
Net cash used in investing activities                 (105,425) (70,078) 19,063  
Cash flows from financing activities [Abstract]                        
Cash dividends paid                 (5,177) (5,081) (5,151)  
Purchase of treasury stock                 (979) (3,227) (2,455)  
Reissuance of treasury stock to employee stock purchase plan                 43 59 0  
Purchase of restricted stock                 0 0 (7)  
Net cash provided by (used in) financing activities                 90,449 47,254 (18,913)  
Net increase (decrease) in cash and cash equivalents                 763 (6,630) 12,961  
Cash and Cash Equivalents at Beginning of Year       17,754       24,384 17,754 24,384 11,423  
Cash and Cash Equivalents at End of Year 18,517       17,754       18,517 17,754 24,384  
Parent Company [Member]                        
Assets [Abstract]                        
Cash 6,238       2,245       6,238 2,245    
Available-for-sale securities 91       2,735       91 2,735    
Investment in subsidiary [Abstract]                        
First Citizens Community Bank 130,402       125,973       130,402 125,973    
Other assets 369       564       369 564    
TOTAL ASSETS 137,100       131,517       137,100 131,517    
Liabilities [Abstract]                        
Other liabilities 589       749       589 749    
Borrowed funds 7,500       7,500       7,500 7,500    
TOTAL LIABILITIES 8,089       8,249       8,089 8,249    
Stockholders' equity 129,011       123,268       129,011 123,268    
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 137,100       131,517       137,100 131,517    
Dividends from [Abstract]                        
Bank subsidiary                 7,507 5,842 5,582  
Equity securities                 60 92 71  
TOTAL INTEREST AND DIVIDEND INCOME                 7,567 5,934 5,653  
Realized securities gains                 1,021 31 76  
Expenses                 824 463 892  
Income before equity in undistributed earnings of subsidiary                 7,764 5,502 4,837  
Equity in undistributed earnings - First Citizens Community Bank                 5,261 7,136 6,789  
NET INCOME                 13,025 12,638 11,626  
Comprehensive income                 11,578 11,482 10,623  
Cash flows from operating activities [Abstract]                        
Net income                 13,025 12,638 11,626  
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]                        
Equity in undistributed earnings of subsidiaries                 (5,261) (7,136) (6,789)  
Investment securities gains, net                 (1,021) (31) (76)  
Other, net                 629 230 322  
Net cash provided by operating activities                 7,372 5,701 5,083  
Cash flows from investing activities [Abstract]                        
Purchases of available-for-sale securities                 (94) (1) (901)  
Proceeds from the sale of available-for-sale securities                 2,828 201 113  
Net cash used in investing activities                 2,734 200 (788)  
Cash flows from financing activities [Abstract]                        
Cash dividends paid                 (5,177) (5,081) (5,151)  
Purchase of treasury stock                 (979) (3,227) (2,455)  
Reissuance of treasury stock to employee stock purchase plan                 43 59 0  
Purchase of restricted stock                 0 0 (7)  
Net cash provided by (used in) financing activities                 (6,113) (8,249) (7,613)  
Net increase (decrease) in cash and cash equivalents                 3,993 (2,348) (3,318)  
Cash and Cash Equivalents at Beginning of Year       $ 2,245       $ 4,593 2,245 4,593 7,911  
Cash and Cash Equivalents at End of Year $ 6,238       $ 2,245       $ 6,238 $ 2,245 $ 4,593  
XML 98 R84.htm IDEA: XBRL DOCUMENT v3.8.0.1
CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) (Details) - USD ($)
$ / shares in Units, $ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2017
Sep. 30, 2017
Jun. 30, 2017
Mar. 31, 2017
Dec. 31, 2016
Sep. 30, 2016
Jun. 30, 2016
Mar. 31, 2016
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) [Abstract]                      
Interest income $ 12,895 $ 12,120 $ 11,778 $ 11,300 $ 11,169 $ 10,948 $ 10,426 $ 10,462 $ 48,093 $ 43,005 $ 35,653
Interest expense 1,659 1,503 1,374 1,303 1,293 1,236 1,255 1,257 5,839 5,041 4,820
NET INTEREST INCOME 11,236 10,617 10,404 9,997 9,876 9,712 9,171 9,205 42,254 37,964 30,833
Provision for loan losses 800 500 625 615 750 500 135 135 2,540 1,520 480
Non-interest income 1,981 1,912 1,865 1,863 1,992 1,908 1,855 1,889 8,656 7,899 7,423
Investment securities gains, net 831 9 23 172 100 0 128 27 1,035 255 429
Non-interest expenses 7,710 7,247 7,166 7,191 7,258 7,200 7,301 6,912 29,314 28,671 23,429
Income before provision for income taxes 5,538 4,791 4,501 4,226 3,960 3,920 3,718 4,074 19,056 15,672 14,347
Provision for income taxes 2,934 1,141 1,033 923 789 767 687 791 6,031 3,034 2,721
NET INCOME $ 2,604 $ 3,650 $ 3,468 $ 3,303 $ 3,171 $ 3,153 $ 3,031 $ 3,283 $ 13,025 $ 12,638 $ 11,626
Earnings Per Share Basic (in dollars per share) $ 0.75 $ 1.05 $ 1.00 $ 0.94 $ 0.91 $ 0.90 $ 0.86 $ 0.93 $ 3.74 $ 3.60 $ 3.60
Earnings Per Share Diluted (in dollars per share) $ 0.75 $ 1.05 $ 1.00 $ 0.94 $ 0.91 $ 0.90 $ 0.86 $ 0.93 $ 3.74 $ 3.60 $ 3.60
XML 99 R85.htm IDEA: XBRL DOCUMENT v3.8.0.1
ACQUISITION OF FNB (Details)
$ / shares in Units, shares in Thousands, $ in Thousands
 12 Months Ended
Dec. 11, 2015
USD ($)
$ / shares
shares
Dec. 31, 2017
USD ($)
Dec. 31, 2016
USD ($)
Dec. 31, 2015
USD ($)
Jun. 30, 2015
Branches
$ / shares
Adjustments to reflect liabilities acquired at fair value [Abstract]          
Goodwill resulting from merger   $ 23,296 $ 21,089    
Merger and acquisition   165 0 $ 1,103  
Assets (liabilities) acquired [Abstract]          
Goodwill resulting from the FNB merger   23,296 21,089    
First National Bank of Fredericksburg [Member]          
Summarizes the purchase of FNB [Abstract]          
Ownership percentage         100.00%
Merger agreement per share in cash and stock (in dollars per share) | $ / shares         $ 630
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 (4,399) 0 61,911  
Goodwill resulting from merger 10,833 2,207 0 10,833  
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 83,514 154 0 83,514  
Interest bearing time deposits with other banks 1,236 0 0 1,236  
Securities available for sale 23,831 0 0 23,831  
Loans 115,211 39,847 0 115,211  
Premises and equipment, net 4,743 86 0 4,743  
Accrued interest receivable 282 74 0 282  
Bank-owned life insurance 4,598 0 0 4,598  
Intangibles 1,981 145 0 1,981  
Deferred tax asset 2,979 0 0 2,979  
Other assets 2,332 0 0 2,332  
Time deposits (42,675)        
Deposits other than time deposits (182,555)        
Accrued interest payable (14) (29) 0 (14)  
Other liabilities (4,693) (51) 0 (4,693)  
Acquired and liabilities assumed, net 10,770 (4,399) 0 61,911  
Goodwill resulting from the FNB merger $ 10,833 $ 2,207 $ 0 $ 10,833  
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        
XML 100 R86.htm IDEA: XBRL DOCUMENT v3.8.0.1
ACQUISITION OF STATE COLLEGE BRANCH (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 07, 2017
Dec. 31, 2017
Dec. 31, 2016
Adjustments to reflect liabilities acquired at fair value [Abstract]      
Goodwill   $ 23,296 $ 21,089
Net assets acquired [Abstract]      
Goodwill   $ 23,296 $ 21,089
State College Branch [Member]      
Business Acquisition [Line Items]      
Number of days considered for average deposit balances   30 days  
Summarizes purchase of Branch [Abstract]      
Purchase Price Consideration in cash $ 1,044    
Net Assets Acquired for cash [Abstract]      
Loans, interest, PP&E less deposits, interest and escrow payable 3,509    
Total cash consideration 4,553    
Loans [Abstract]      
Interest rate (522)    
General credit (740)    
Core deposit intangible 145    
Adjustments to reflect liabilities acquired at fair value [Abstract]      
Time deposits (46)    
Acquired net assets at fair value 2,346    
Goodwill 2,207    
Asset acquired and liability assumed [Abstract]      
Total Purchase Price 4,553    
Net assets acquired [Abstract]      
Cash and cash equivalents 154    
Loans 39,847    
Premises and equipment, net 86    
Accrued interest receivable 74    
Intangibles 145    
Deposits (37,880)    
Accrued interest payable (29)    
Other liabilities (51)    
Net assets acquired 2,346    
Goodwill 2,207    
Goodwill and other intangibles $ 2,352    
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