UNITED STATES

0000743367-16-000155.txt : 20160808 0000743367-16-000155.hdr.sgml : 20160808 20160808152338 ACCESSION NUMBER: 0000743367-16-000155 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 89 CONFORMED PERIOD OF REPORT: 20160630 FILED AS OF DATE: 20160808 DATE AS OF CHANGE: 20160808 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BAR HARBOR BANKSHARES CENTRAL INDEX KEY: 0000743367 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 010393663 STATE OF INCORPORATION: ME FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 001-13349 FILM NUMBER: 161813938 BUSINESS ADDRESS: STREET 1: 82 MAIN ST STREET 2: PO BOX 400 CITY: BAR HARBOR STATE: ME ZIP: 04609-0400 BUSINESS PHONE: 2072883314 MAIL ADDRESS: STREET 1: 82 MAIN ST STREET 2: PO BOX 400 CITY: BAR HARBOR STATE: ME ZIP: 04609-0400 10-Q 1 bhb10qjune2016.htm UNITED STATES

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 10-Q

(Mark One)

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

For the quarterly period ended June 30, 2016

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

Commission File Number: 01-13349

BAR HARBOR BANKSHARES

(Exact name of registrant as specified in its charter)


Maine	01-0393663
(State or other jurisdiction of incorporation or organization)	(I.R.S. Employer Identification Number)

PO Box 400
82 Main Street, Bar Harbor, ME	04609-0400
(Address of principal executive offices)	(Zip Code)

(207) 288-3314

(Registrant's telephone number, including area code)

Inapplicable

(Former name, former address and former fiscal year, if changed since last report)

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 þ NO ¨

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

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company. See the definitions of “large accelerated filer”, “accelerated filer” and smaller reporting company” in Rule 12b-2 of the Exchange Act: Large accelerated filer ¨ Accelerated filer þ Non-accelerated filer (do not check if a smaller reporting company) ¨ Smaller reporting company ¨

Indicate by check mark whether the registrant is a shell company (As defined in Rule 12B-2 of the Exchange Act): YES: ¨ NO: þ

Indicate the number of shares outstanding of each of the issuer's classes of common stock as of the latest practicable date:


Class of Common Stock	Number of Shares Outstanding – August 1, 2016
$2.00 Par Value	6,032,894

TABLE OF CONTENTS


		Page No.
PART I	FINANCIAL INFORMATION

Item 1.	Interim Financial Statements (unaudited):

	Consolidated Balance Sheets at June 30, 2016 and December 31, 2015	3

	Consolidated Statements of Income for the three and six months ended June 30, 2016 and 2015	4

	Consolidated Statements of Comprehensive Income for the three and six months ended June 30, 2016 and 2015	5

	Consolidated Statements of Changes in Shareholders' Equity for the six months ended June 30, 2016 and 2015	6

	Consolidated Statements of Cash Flows for the six months ended June 30, 2016 and 2015	7

	Notes to Consolidated Interim Financial Statements	8-38

Item 2.	Management's Discussion and Analysis of Financial Condition and Results of Operations	38-63

Item 3.	Quantitative and Qualitative Disclosures About Market Risk	63-66

Item 4.	Controls and Procedures	66


PART II	OTHER INFORMATION

Item 1.	Legal Proceedings	66

Item 1A.	Risk Factors	67

Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	67

Item 3.	Defaults Upon Senior Securities	67

Item 4.	Mine Safety Disclosures	67

Item 5.	Other Information	67

Item 6.	Exhibits	68

Signatures		68

Exhibit Index		69

Exhibits

PART I. FINANCIAL INFORMATION

Item 1. FINANCIAL STATEMENTS

BAR HARBOR BANKSHARES AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS

JUNE 30, 2016 AND DECEMBER 31, 2015

(in thousands, except share and per share data)

(unaudited)


	June 30, 2016	December 31, 2015
Assets
Cash and cash equivalents	$ 25,867	$ 9,720
Securities available for sale, at fair value	532,590	504,969
Federal Home Loan Bank stock	26,713	21,479
Loans	1,049,022	990,070
Allowance for loan losses	(9,891)	(9,439)
Loans, net of allowance for loan losses	1,039,131	980,631
Premises and equipment, net	22,951	20,674
Goodwill	4,935	4,935
Bank owned life insurance	24,131	23,747
Other assets	11,231	13,900
TOTAL ASSETS	$1,687,549	$1,580,055

Liabilities
Deposits:
Demand and other non-interest bearing deposits	$ 84,123	$ 86,577
NOW accounts	159,015	160,394
Savings and money market deposits	289,820	299,087
Time deposits	456,858	396,729
Total deposits	989,816	942,787
Short-term borrowings	345,478	333,909
Long-term advances from Federal Home Loan Bank	174,624	135,882
Junior subordinated debentures	5,000	5,000
Other liabilities	7,400	8,325
TOTAL LIABILITIES	1,522,318	1,425,903

Shareholders' equity
Capital stock, par value $2.00; authorized 20,000,000 and 10,000,000 shares;
issued 6,788,407 shares at June 30, 2016 and December 31, 2015, respectively	13,577	13,577
Surplus	22,249	21,624
Retained earnings	127,672	122,260
Accumulated other comprehensive income:
Prior service cost and unamortized net actuarial losses on employee
benefit plans, net of tax of ($222) and ($249), at June 30, 2016 and December 31, 2015,
respectively	(412)	(463)
Net unrealized appreciation on securities available for sale, net of tax
of $6,020 and $2,828, at June 30, 2016 and December 31, 2015, respectively	11,180	5,251
Portion of OTTI attributable to non-credit gains, net of tax of $73 and $249, at
June 30, 2016 and December 31, 2015, respectively	135	462
Net unrealized depreciation on derivative instruments, net of tax
of ($1,299) and ($873), at June 30, 2016 and December 31, 2015, respectively	(2,412)	(1,621)
Total accumulated other comprehensive income	8,491	3,629
Less: cost of 758,722 and 778,196 shares of treasury stock at June 30, 2016 and
December 31, 2015, respectively	(6,758)	(6,938)

TOTAL SHAREHOLDERS' EQUITY	165,231	154,152

TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$1,687,549	$1,580,055

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

BAR HARBOR BANKSHARES AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME

FOR THE THREE AND SIX MONTHS ENDED JUNE 30, 2016 AND 2015

(in thousands, except per share data)

(unaudited)


	Three Months Ended		Six Months Ended
	June 30,		June 30,
	2016	2015	2016	2015
Interest and dividend income:
Interest and fees on loans	$10,249	$ 9,645	$20,332	$19,322
Interest on securities	3,900	3,732	7,805	7,494
Dividend on FHLB stock	205	95	381	189
Total interest and dividend income	14,354	13,472	28,518	27,005

Interest expense:
Deposits	1,599	1,460	3,176	2,913
Short-term borrowings	532	253	982	492
Long-term debt	841	873	1,642	1,716
Total interest expense	2,972	2,586	5,800	5,121

Net interest income	11,382	10,886	22,718	21,884
Provision for loan losses	150	400	615	895
Net interest income after provision for loan losses	11,232	10,486	22,103	20,989

Non-interest income:
Trust and other financial services	955	985	1,903	1,930
Service charges on deposit accounts	252	255	463	453
Debit card income	430	402	830	768
Securities gains	1,699	587	3,135	1,206
Other operating income	278	274	611	488
Total non-interest income	3,614	2,503	6,942	4,845

Non-interest expense:
Salaries and employee benefits	4,799	4,269	9,816	8,621
Occupancy expense	594	567	1,163	1,147
Furniture and equipment expense	558	580	1,147	1,145
Debit card expenses	120	112	237	208
FDIC insurance assessments	218	210	435	411
Other operating expense	2,442	1,863	3,930	3,402
Total non-interest expense	8,731	7,601	16,728	14,934

Income before income taxes	6,115	5,388	12,317	10,900
Income taxes	1,804	1,515	3,600	3,146

Net income	$ 4,311	$ 3,873	$ 8,717	$ 7,754

Per Common Share Data:
Basic earnings per share	$ 0.72	$ 0.65	$ 1.45	$ 1.30
Diluted earnings per share	$ 0.71	$ 0.64	$ 1.43	$ 1.28

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

BAR HARBOR BANKSHARES AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

FOR THE THREE AND SIX MONTHS ENDED JUNE 30, 2016 AND 2015

(in thousands)

(unaudited)


	Three Months Ended
	June 30,
	2016	2015
Net income	$ 4,311	$ 3,873
Other comprehensive income:
Net unrealized appreciation (depreciation) on securities available for sale, net of tax of $1,537 and ($2,308), respectively	2,854	(4,288)
Less reclassification adjustment for net gains related to securities available for sale included in net income, net of tax of ($595) and ($205), respectively	(1,105)	(382)
Net unrealized (depreciation) appreciation on interest rate derivatives, net of tax of ($176) and $122, respectively	(327)	227
Net amortization of prior service cost and actuarial loss for supplemental executive retirement plan, net of related tax of $2 and $3, respectively	4	6
Actuarial gains on supplemental executive retirement plan, net of related tax of $0 and $0, respectively	---	---
Total other comprehensive income (loss)	1,426	(4,437)
Total comprehensive income (loss)	$ 5,737	$ (564)


	Six Months Ended
	June 30,
	2016	2015
Net income	$ 8,717	$ 7,754
Other comprehensive income:
Net unrealized appreciation (depreciation) on securities available for sale, net of tax of $4,114 and ($1,299), respectively	7,640	(2,414)
Less reclassification adjustment for net gains related to securities available for sale
included in net income, net of tax of ($1,098) and ($422), respectively	(2,038)	(784)
Net unrealized depreciation on interest rate derivatives, net of tax of ($426) and ($87), respectively	(791)	(162)
Net amortization of prior service cost and actuarial loss for supplemental executive retirement plan,
net of related tax of $5 and $5, respectively	9	13
Actuarial gains on supplemental executive retirement plan, net of related tax of $23 and $0, respectively	42	---
Total other comprehensive income (loss)	4,862	(3,347)
Total comprehensive income	$13,579	$ 4,407

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

BAR HARBOR BANKSHARES AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY

FOR THE SIX MONTHS ENDED JUNE 30, 2016 AND 2015

(in thousands, except share and per share data)

(unaudited)


				Accumulated
				Other		Total
	Capital		Retained	Comprehensive	Treasury	Shareholders'
	Stock	Surplus	Earnings	Income (Loss)	Stock	Equity
Balance December 31, 2014	$13,577	$20,905	$113,149	$ 6,691	$(8,035)	$146,287
Net income	---	---	7,754	---	---	7,754
Total other comprehensive loss	---	---	---	(3,347)	---	(3,347)
Dividend declared:
Common stock ($0.495 per share)	---	---	(2,952)	---	---	(2,952)
Purchase of Treasury Stock (221 shares)	---	---	---	---	(8)	(8)
Stock options exercised (35,312 shares), including related tax effects	---	99	(1)	---	633	731
Recognition of stock based compensation expense	---	191	---	---	---	191
Restricted stock grants (3,540 shares)	---	(64)	---	---	64	---
Balance June 30, 2015	$13,577	$21,131	$117,950	$ 3,344	$(7,346)	$148,656


				Accumulated
				Other		Total
	Capital		Retained	Comprehensive	Treasury	Shareholders'
	Stock	Surplus	Earnings	Income (Loss)	Stock	Equity
Balance December 31, 2015	$13,577	$21,624	$122,260	$ 3,629	$(6,938)	$154,152
Net income	---	---	8,717	---	---	8,717
Total other comprehensive income	---	---	---	4,862	---	4,862
Dividend declared:
Common stock ($0.270 per share)	---	---	(3,219)	---	---	(3,219)
Purchase of Treasury Stock (14,950 shares)	---	---	---	---	(481)	(481)
Stock options exercised (14,804 shares) including related tax effects	---	92	(86)	---	349	355
Recognition of stock based compensation expense	---	845	---	---	---	845
Restricted and performance stock grants (19,620 shares)	---	(312)	---	---	312	---
Balance June 30, 2016	$13,577	$22,249	$127,672	$ 8,491	$(6,758)	$165,231

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

BAR HARBOR BANKSHARES AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS

FOR THE SIX MONTHS ENDED JUNE 30, 2016 AND 2015

(in thousands)

(unaudited)


	2016	2015
Cash flows from operating activities:
Net income	$ 8,717	$ 7,754
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization of premises and equipment	788	861
Amortization of core deposit intangible	46	46
Provision for loan losses	615	895
Net securities gains	(3,135)	(1,206)
Net amortization of bond premiums and discounts	1,273	1,302
Recognition of stock based compensation expense	845	191
Gains on sale of other real estate owned	---	(64)
Net income from bank owned life insurance	(384)	(270)
Net change in other assets	(1,133)	(30,306)
Net change in other liabilities	(925)	(891)
Net cash provided by (used in) operating activities	6,707	(21,688)

Cash flows from investing activities:
Purchases of securities available for sale	(110,269)	(89,314)
Proceeds from maturities, calls and principal paydowns of mortgage-backed securities	48,472	54,257
Proceeds from sales of securities available for sale	44,656	20,428
Purchases of Bank Owned Life Insurance	---	15,000
Net increase in Federal Home Loan Bank stock	(5,234)	(2,239)
Net increase in total loans originated	(9,319)	(42,550)
Purchases of loans	(49,796)	(22,435)
Proceeds from sale of other real estate owned	---	110
Capital expenditures	(3,065)	(1,313)
Net cash used in investing activities	(84,555)	(68,056)

Cash flows from financing activities:
Net increase in deposits	47,029	32,067
Net (decrease) increase in securities sold under repurchase agreements and fed funds purchased	(6,431)	11,654
Proceeds from Federal Home Loan Bank advances	63,750	66,493
Repayments of Federal Home Loan Bank advances	(7,008)	(11,003)
Purchases of Treasury Stock	(481)	(8)
Proceeds from stock option exercises, including excess tax benefits	355	731
Payments of dividends	(3,219)	(2,952)
Net cash provided by financing activities	93,995	96,982

Net increase in cash and cash equivalents	16,147	7,238
Cash and cash equivalents at beginning of period	9,720	9,800
Cash and cash equivalents at end of period	$ 25,867	$ 17,038

Supplemental disclosures of cash flow information:
Cash paid during the period for:
Interest	$ 5,766	$ 5,146
Income taxes	$ 3,926	$ 2,495

Schedule of noncash investing activities:
Transfers from loans to other real estate owned	$ ---	$ ---
Restricted stock grants	$ 312	$ 64

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

BAR HARBOR BANKSHARES AND SUBSIDIARIES

NOTES TO UNAUDITED CONSOLIDATED INTERIM FINANCIAL STATEMENTS

JUNE 30, 2016

(Dollars in thousands, except share and per share data)

(unaudited)

Note 1: Basis of Presentation

The accompanying consolidated interim financial statements are unaudited. In the opinion of management, all adjustments considered necessary for a fair presentation have been included. All inter-company transactions have been eliminated in consolidation. Amounts in the prior period financial statements are reclassified whenever necessary to conform to current period presentation. The net income reported for the three and six months ended June 30, 2016, is not necessarily indicative of the results that may be expected for the year ending December 31, 2016, or any other interim periods.

The consolidated balance sheet at December 31, 2015, has been derived from audited consolidated financial statements at that date. The accompanying unaudited interim consolidated financial statements have been prepared in accordance with United States (“U.S.”) generally accepted accounting principles for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X (17 CFR Part 210). Accordingly, they do not include all of the information and footnotes required by U.S. generally accepted accounting principles for complete financial statements. For further information, please refer to the consolidated financial statements included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2015, and notes thereto.

Note 2: Subsequent Event

On July 19, 2016, the Company's Board of Directors declared a third quarter 2016 regular cash dividend of 27.5 cents per share of Company common stock, representing an increase of 2.0 cents, or 7.8%, compared with the third quarter of 2015. The quarterly cash dividend is payable to all Company shareholders of record as of the close of business August 15, 2016, and will be paid on September 15, 2016. This represented the twenty-first consecutive quarter where the Company increased its quarterly cash dividend to shareholders.

Note 3: Merger and Acquisition Activity

At closing, the combined institution is expected to have approximately $3.3 billion in assets, $2.4 billion in net loans, $2.2 billion in deposits and over $2.0 billion in assets under management. The Company will have a pro forma market cap of approximately $350 million and 49 branches serving customers and communities across three states. The merger is expected to be completed in the fourth quarter of 2016 or the first quarter of 2017. The consummation of the Merger is subject to receipt of the requisite approval of the Company's shareholders and LSBG shareholders, receipt of all required regulatory approvals, and other customary closing conditions.

Included in the Company’s second quarter and year-to-date non-interest expense was $492 in non-recurring expenses related to the LSBG Merger, largely legal and other professional fees. The Company expects to continue to incur related non-recurring costs through the closing of the Merger.

Note 4: Recent Accounting Pronouncements

ASU 2015-01, “Income Statement - Extraordinary and Unusual Items (Subtopic 225-20) – Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items.” ASU 2015-01 eliminates from U.S. GAAP the concept of extraordinary items, which, among other things, required an entity to segregate extraordinary items considered to be unusual and infrequent from the results of ordinary operations and show the item separately in the income statement, net of tax, after income from continuing operations. ASU 2015-01 became effective for us on January 1, 2016 and did not have a significant impact on the Company’s financial statements.

ASU 2015-16, “Business Combinations (Topic 805) – Simplifying the Accounting for Measurement-Period Adjustments.” ASU 2015-16 requires that adjustments to provisional amounts that are identified during the measurement period of a business combination be recognized in the reporting period in which the adjustment amounts are determined. Furthermore, the income statement effects of such adjustments, if any, must be calculated as if the accounting had been completed at the acquisition date. Any amounts that would have been recorded in previous reporting periods if the adjustment to the provisional amounts had been recognized as of the acquisition date should be recorded in current-period earnings. Under previous guidance, adjustments to provisional amounts identified during the measurement period were to be recognized retrospectively. ASU 2015-16 became effective for us on January 1, 2016 and did not have a significant impact on the Company’s financial statements.

ASU 2016-01 “Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities,” which updates certain aspects of recognition, measurement, presentation and disclosure of financial instruments. The new guidance requires equity investments to be measured at fair value with changes in fair value recognized in net income, excluding equity investments that are consolidated or accounted for under the equity method of accounting. The new guidance allows equity investments without readily determinable fair values to be measured at cost minus impairment, with a qualitative assessment required to identify impairment. The new guidance also requires public companies to use exit prices to measure the fair value of financial instruments, eliminates the disclosure requirements related to measurement assumptions for the fair value of instruments measured at amortized cost and requires separate presentation of financial assets and liabilities based on form and measurement category. In addition, for liabilities measured at fair value under the fair value option, the changes in fair value due to changes in instrument-specific credit risk should be recognized in OCI. This guidance is effective for fiscal years beginning after December 15, 2017 and interim periods within those fiscal years. The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements.

ASU 2016-02, Leases (Topic 842). The guidance in this ASU supersedes the leasing guidance in Topic 840, Leases. Under the new guidance, lessees are required to recognize lease assets and lease liabilities on the balance sheet for all leases with terms longer than 12 months. Leases will be classified as either finance or operating, with classification affecting the pattern of expense recognition in the income statement. The new standard is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements.

ASU 2016-05“Derivatives and Hedging (Topic 815) Effect of Derivative Contract Novations on Existing Hedge Accounting Relationships.” ASU 2016-05 clarifies that a change in the counterparty to a derivative instrument that has been designated as the hedging instrument under ASC Topic 815 does not, in and of itself, require dedesignation of that hedging relationship provided that all other hedge accounting criteria continue to be met. ASU 2016-05 will be effective for us on January 1, 2017 and is not expected to have a significant impact on the Company’s our financial statements.

ASU 2016-07, “Investments - Equity Method and Joint Ventures (Topic 323): Simplifying the Transition to the Equity Method of Accounting.” The amendments affect all entities that have an investment that becomes qualified for the equity method of accounting as a result of an increase in the level of ownership interest or degree of influence. ASU 2016-07 simplifies the transition to the equity method of accounting by eliminating retroactive adjustment of the investment when an investment qualifies for use of the equity method, among other things. ASU 2016-07 will be effective for the Company on January 1, 2017 and is not expected to have a significant impact on our financial statements.

ASU 2016-09, “Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting.” Under ASU 2016-09 all excess tax benefits and tax deficiencies related to share-based payment awards should be recognized as income tax expense or benefit in the income statement during the period in which they occur. Previously, such amounts were recorded in the pool of excess tax benefits included in additional paid-in capital, if such pool was available. Because excess tax benefits are no longer recognized in additional paid-in capital, the assumed proceeds from applying the treasury stock method when computing earnings per share should exclude the amount of excess tax benefits that would have previously been recognized in additional paid-in capital. Additionally, excess tax

benefits should be classified along with other income tax cash flows as an operating activity rather than a financing activity, as was previously the case. ASU 2016-09 also provides that an entity can make an entity-wide accounting policy election to either estimate the number of awards that are expected to vest (current GAAP) or account for forfeitures when they occur. ASU 2016-09 changes the threshold to qualify for equity classification (rather than as a liability) to permit withholding up to the maximum statutory tax rates (rather than the minimum as was previously the case) in the applicable jurisdictions. ASU 2016-09 will be effective on January 1, 2017 and is not expected to have a significant impact on the Company’s financial statements.

ASU 2016-13, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. ASU 2016-13, was issued to provide financial statement users with information about expected credit losses on financial instruments and other commitments to extend credit rather than the current “incurred loss” model. For public business entities, the new standard is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements.

Note 5: Management’s Use of Estimates

The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses, other-than-temporary impairments on securities, income tax estimates, and the valuation of intangible assets.

Allowance for Loan Losses: The allowance for loan losses (the “allowance”) is a significant accounting estimate used in the preparation of the Company’s consolidated financial statements. The allowance is available to absorb losses inherent in the current loan portfolio and is maintained at a level that, in management’s judgment, is appropriate for the amount of risk inherent in the loan portfolio, given past and present conditions. The allowance is increased by provisions charged to operating expense and by recoveries on loans previously charged off, and is decreased by loans charged off as uncollectible.

Arriving at an appropriate level of allowance for loan losses involves a high degree of judgment. The determination of the adequacy of the allowance and provisioning for estimated losses is evaluated regularly based on review of loans, with particular emphasis on non-performing and other loans that management believes warrant special consideration. The ongoing evaluation process includes a formal analysis, which considers among other factors: the character and size of the loan portfolio, business and economic conditions, real estate market conditions, collateral values, changes in product offerings or loan terms, changes in underwriting and/or collection policies, loan growth, previous charge-off experience, delinquency trends, non-performing loan trends, the performance of individual loans in relation to contract terms, and estimated fair values of collateral.

The allowance for loan losses consists of allowances established for specific loans including impaired loans; allowances for pools of loans based on historical charge-offs by loan types; and supplemental allowances that adjust historical loss experience to reflect current economic conditions, industry specific risks, and other observable data.

While management uses available information to recognize losses on loans, changing economic conditions and the economic prospects of the borrowers may necessitate future additions or reductions to the allowance. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Bank’s allowance, which also may necessitate future additions or reductions to the allowance, based on information available to them at the time of their examination.

Other-Than-Temporary Impairments on Investment Securities: One of the significant estimates relating to securities is the evaluation of other-than-temporary impairment (“OTTI”). If a decline in the fair value of a security is judged to be other-than-temporary, and management does not intend to sell the security and believes it is more-likely-than-not the Company will not be required to sell the security prior to recovery of cost or amortized cost, the portion of the total impairment attributable to the credit loss is recognized in earnings, and the remaining difference between the security’s amortized cost basis and its fair value is included in other comprehensive income.

For impaired available for sale debt securities that management intends to sell, or where management believes it is more-likely-than-not that the Company will be required to sell, an OTTI charge is recognized in earnings equal to the difference between fair value and cost or amortized cost basis of the security. The fair value of the OTTI security becomes its new cost basis.

The evaluation of securities for impairments is a quantitative and qualitative process, which is subject to risks and uncertainties and is intended to determine whether declines in the fair value of securities should be recognized in current period earnings. The risks and uncertainties include changes in general economic conditions, the issuer’s financial condition and/or future prospects, the effects of changes in interest rates or credit spreads and the expected recovery period of unrealized losses. The Company has a security monitoring process that identifies securities that, due to certain characteristics, as described below, are subjected to an enhanced analysis on a quarterly basis.

Securities that are in an unrealized loss position are reviewed at least quarterly to determine if an OTTI is present based on certain quantitative and qualitative factors and measures. The primary factors considered in evaluating whether a decline in value of securities is other-than-temporary include: (a) the cause of the

impairment; (b) the financial condition, credit rating and future prospects of the issuer; (c) whether the underlying debtor is current on contractually obligated interest and principal payments; (d) the volatility of the securities’ fair value; (e) performance indicators of the underlying assets in the security including default rates, delinquency rates, percentage of non-performing assets, loan to collateral value ratios, conditional payment rates, third party guarantees, current levels of subordination, vintage, and geographic concentration and; (f) any other information and observable data considered relevant in determining whether an OTTI has occurred, including the expectation of the receipt of all principal and interest due.

In addition, for securitized financial assets with contractual cash flows, such as private label mortgage-backed securities (“MBS”), the Company periodically updates its best estimate of cash flows over the life of the security. The Company’s best estimate of cash flows is based upon assumptions consistent with the current economic environment, similar to those the Company believes market participants would use. Estimating future cash flows is a quantitative and qualitative process that incorporates information received from third party sources along with certain assumptions and judgments regarding the future performance of the underlying collateral. In addition, projections of expected future cash flows may change based upon new information regarding the performance of the underlying collateral.

Income Taxes: The Company uses the asset and liability method of accounting for income taxes. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. If current available information indicates that it is more-likely-than-not that deferred tax assets will not be realized, a valuation allowance is established. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Significant management judgment is required in determining income tax expense and deferred tax assets and liabilities. As of June 30, 2016 and December 31, 2015, there was no valuation allowance for deferred tax assets.

Goodwill and Identifiable Intangible Assets: In connection with acquisitions, the Company generally records as assets on its consolidated financial statements both goodwill and identifiable intangible assets, such as core deposit intangibles.

The Company evaluates whether the carrying value of its goodwill has become impaired, in which case the value is reduced through a charge to its earnings. Goodwill is evaluated for impairment at least annually, or upon a triggering event using certain fair value techniques. Goodwill impairment testing is performed at the segment (or “reporting unit”) level. Goodwill is assigned to reporting units at the date the goodwill is initially recorded. Once goodwill has been assigned to the reporting units, it no longer retains its association with a particular acquisition, and all of the activities within a reporting unit, whether acquired or organically grown, are available to support the value of the goodwill.

Goodwill represents the excess of the purchase price over the fair value of net assets acquired in accordance with the purchase method of accounting for business combinations. Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis or more frequently if an event occurs or circumstances change that reduce the fair value of a reporting unit below its carrying amount. The Company completes its annual goodwill impairment test as of December 31 of each year. The impairment testing process is conducted by assigning assets and goodwill to each reporting unit. Currently, the Company’s goodwill is evaluated at the entity level as there is only one reporting unit. The Company first assesses certain qualitative factors to determine if it is more-likely-than-not that the fair value of the reporting unit is less than its carrying value. If it is more-likely-than-not that the fair value of the reporting unit is less than the carrying value, then the fair value of each reporting unit is compared to the recorded book value (“step one”). If the fair value of the reporting unit exceeds its carrying value, goodwill is not considered impaired and “step two” is not considered necessary. If the carrying value of a reporting unit

exceeds its fair value, the impairment test continues (“step two”) by comparing the carrying value of the reporting unit’s goodwill to the implied fair value of goodwill. The implied fair value is computed by adjusting all assets and liabilities of the reporting unit to current fair value with the offset adjustment to goodwill. The adjusted goodwill balance is the implied fair value of the goodwill. An impairment charge is recognized if the carrying fair value of goodwill exceeds the implied fair value of goodwill. At December 31, 2015, there was no indication of impairment that led the Company to believe it needed to perform a two-step test.

Any changes in the estimates used by the Company to determine the carrying value of its goodwill, or which otherwise adversely affect their value or estimated lives, would adversely affect the Company’s consolidated results of operations.

Note 6: Earnings Per Share

Basic earnings per share excludes dilution and is computed by dividing income available to common shareholders by the weighted average number of common shares outstanding for the period. Diluted earnings per share reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the Company, such as the Company’s dilutive stock options and awards.

The following is a reconciliation of basic and diluted earnings per share for the three and six months ended June 30, 2016, and 2015:


	Three Months Ended		Six Months Ended
	June 30,		June 30,
	2016	2015	2016	2015

Net income	$ 4,311	$ 3,873	$ 8,717	$ 7,754

Weighted average common shares outstanding
Basic	6,021,316	5,973,758	6,015,257	5,963,704
Effect of dilutive employee stock options	64,985	90,655	68,110	86,418
Diluted	6,086,301	6,064,413	6,083,367	6,050,122

Anti-dilutive options excluded from earnings per share calculation	75,763	10,950	80,263	11,197

Per Common Share Data:
Basic earnings per share	$ 0.72	$ 0.65	$ 1.45	$ 1.30
Diluted earnings per share	$ 0.71	$ 0.64	$ 1.43	$ 1.28

Note 7: Securities Available For Sale

The following tables summarize the securities available for sale portfolio as of June 30, 2016, and December 31, 2015:


June 30, 2016		Gross	Gross
	Amortized	Unrealized	Unrealized	Estimated
Available for Sale:	Cost	Gains	Losses	Fair Value

Mortgage-backed securities:
US Government-sponsored enterprises	$323,684	$ 9,693	$ 397	$332,980
US Government agency	80,472	1,993	97	82,368
Private label	1,128	218	19	1,327
Obligations of states and political subdivisions thereof	109,898	6,108	91	115,915
Total	$515,182	$18,012	$ 604	$532,590


December 31, 2015		Gross	Gross
	Amortized	Unrealized	Unrealized	Estimated
Available for Sale:	Cost	Gains	Losses	Fair Value

Mortgage-backed securities:
US Government-sponsored enterprises	$304,106	$ 5,042	$2,155	$306,993
US Government agency	78,408	1,269	547	79,130
Private label	2,713	762	11	3,464
Obligations of states and political subdivisions thereof	110,952	4,758	328	115,382
Total	$496,179	$11,831	$3,041	$504,969

Securities Maturity Distribution: The following table summarizes the maturity distribution of the amortized cost and estimated fair value of securities available for sale as of June 30, 2016. Actual maturities may differ from the final maturities noted below because issuers may have the right to prepay or call certain securities. In the case of MBS, actual maturities may also differ from expected maturities due to the amortizing nature of the underlying mortgage collateral, and the fact that borrowers have the right to prepay.


	Amortized	Estimated
Securities Available for Sale	Cost	Fair Value

Due one year or less	$ 167	$ 168
Due after one year through five years	5,592	5,732
Due after five years through ten years	13,889	14,762
Due after ten years	495,534	511,928
Total	$515,182	$532,590

Securities Impairment: As a part of the Company’s ongoing security monitoring process, the Company identifies securities in an unrealized loss position that could potentially be OTTI. For the three and six months ended June 30, 2016 and 2015, the Company did not have any OTTI losses recognized in earnings (before taxes).

applicable. Unrealized OTTI losses recognized in accumulated other comprehensive income (“OCI”) represent the non-credit component of OTTI losses on debt securities. Net impairment losses recognized in earnings represent the credit component of OTTI losses on debt securities.

As of June 30, 2016, the Company held four private label MBS (debt securities) with a total amortized cost (i.e. carrying value) of $48 for which OTTI losses have previously been recognized in pre-tax earnings dating back to the fourth quarter of 2008. For all of these securities, the Company previously recognized credit losses in excess of the unrealized losses currently in accumulated OCI, creating an unrealized gain of $135, net of tax, as included in accumulated OCI as of June 30, 2016, compared with a net unrealized gain of $462, net of tax, at December 31, 2015.

The OTTI losses previously recognized in earnings represented management’s best estimate of credit losses inherent in the securities based on discounted, bond-specific future cash flow projections using assumptions about cash flows associated with the pools of mortgage loans underlying each security. In estimating those cash flows the Company takes a variety of factors into consideration including, but not limited to, loan level credit characteristics, current delinquency and non-performing loan rates, current levels of subordination and credit support, recent default rates and future constant default rate estimates, original and current loan to collateral value ratios, recent collateral loss severities and future collateral loss severity estimates, recent and historical conditional prepayment rates and future conditional prepayment rate assumptions, and other estimates of future collateral performance.

Despite elevated levels of delinquencies, defaults and losses in the underlying residential mortgage loan collateral, given credit enhancements resulting from the structures of the individual securities, the Company expects that as of June 30, 2016, it will recover the amortized cost basis of its private label MBS as depicted in the continuously unrealized loss table below and has therefore concluded that such securities were not OTTI as of that date. Nevertheless, given recent market conditions, it is possible that adverse changes in repayment performance and fair value could occur in future periods that would change the Company’s current best estimates.

The following table displays the beginning balance of OTTI related to historical credit losses on debt securities held by the Company at the beginning of the current reporting period, as well as changes in credit losses recognized in pre-tax earnings for the three and six months ended June 30, 2016, and 2015.


	2016	2015

Estimated credit losses as of March 31,	$2,793	$3,413
Additions for credit losses for securities on which OTTI has been previously recognized	---	---
Additions for credit losses for securities on which OTTI has not been previously recognized	---	---
Reductions for securities sold or paid off during the period	1,096	233
Estimated credit losses as of June 30,	$1,697	$3,180

Estimated credit losses as of prior year-end,	$3,180	$3,413
Additions for credit losses for securities on which OTTI has been previously recognized	---	---
Additions for credit losses for securities on which OTTI has not been previously recognized	---	---
Reductions for securities sold or paid off during the period	1,483	233
Estimated credit losses as of June 30,	$1,697	$3,180

As of June 30, 2016, based on a review of the remaining securities in the securities portfolio, the Company concluded that it expects to recover its amortized cost basis for such securities. This conclusion was based on the issuers’ continued satisfaction of the securities obligations in accordance with their contractual terms and the expectation that they will continue to do so through the maturity of the security, the expectation that the Company will receive the entire amount of future contractual cash flows, as well as the evaluation of the fundamentals of the issuers’ financial condition and other objective evidence. Accordingly, the Company concluded that any declines in the values of those securities were temporary and that any additional OTTI charges were not appropriate at June 30, 2016.

The following table summarizes the fair value of securities with continuous unrealized losses for less than 12 months and those that have been in a continuous unrealized loss position for 12 months or longer as of June 30, 2016 and December 31, 2015. All securities referenced are debt securities.


	Less than 12 months			12 months or longer			Total
	Estimated			Estimated			Estimated
June 30, 2016	Fair	Number of	Unrealized	Fair	Number of	Unrealized	Fair	Number of	Unrealized
	Value	Investments	Losses	Value	Investments	Losses	Value	Investments	Losses
Description of Securities:

Mortgage-backed securities:
US Government- sponsored enterprises	$35,865	42	$ 224	$ 9,678	22	$ 173	$ 45,543	64	$ 397
US Government agency	7,619	11	27	4,920	16	70	12,539	27	97
Private label	198	2	10	159	5	9	357	7	19
Obligations of states and political subdivisions thereof	2,426	5	7	5,077	11	84	7,503	16	91
Total	$46,108	60	$ 268	$19,834	54	$ 336	$ 65,942	114	$ 604


	Less than 12 months			12 months or longer			Total
	Estimated			Estimated			Estimated
December 31, 2015	Fair	Number of	Unrealized	Fair	Number of	Unrealized	Fair	Number of	Unrealized
	Value	Investments	Losses	Value	Investments	Losses	Value	Investments	Losses
Description of Securities:

Mortgage-backed securities:
US Government- sponsored enterprises	$112,770	142	$1,342	$23,646	33	$ 813	$136,416	175	$2,155
US Government agency	20,201	30	326	11,232	22	221	31,433	52	547
Private label	235	2	2	178	5	9	413	7	11
Obligations of states and political subdivisions thereof	14,853	25	210	3,700	11	118	18,553	36	328
Total	$148,059	199	$1,880	$38,756	71	$1,161	$186,815	270	$3,041

For securities with unrealized losses, the following information was considered in determining that the impairments were not other-than-temporary:

Mortgage-backed securities issued by U.S. Government-sponsored enterprises: As of June 30, 2016, the total unrealized losses on these securities amounted to $397, compared with $2,155 at December 31, 2015. All of these securities were credit rated “AA+” by the major credit rating agencies. Company management believes these securities have minimal credit risk, as these Government-sponsored enterprises play a vital role in the nation’s financial markets. Management’s analysis indicates that the unrealized losses at June 30, 2016 were attributed to changes in current market yields and pricing spreads for similar securities since the date the underlying securities were purchased, and does not consider these securities to be OTTI at June 30, 2016.

Mortgage-backed securities issued by U.S. Government agencies: As of June 30, 2016, the total unrealized losses on these securities amounted to $97, compared with $547 at December 31, 2015. All of these securities were credit rated “AA+” by the major credit rating agencies. Management’s analysis indicates that these securities bear little or no credit risk because they are backed by the full faith and credit of the United States. The Company attributes the unrealized losses at June 30, 2016 to changes in current market yields and pricing spreads for similar securities since the date the underlying securities were purchased, and does not consider these securities to be OTTI at June 30, 2016.

Private label mortgage-backed securities: As of June 30, 2016, the total unrealized losses on the Bank’s private label MBS amounted to $19, compared with $11 at December 31, 2015. The Company attributes the unrealized losses at June 30, 2016 to the current illiquid market for non-agency MBS, risk-related market pricing discounts for non-agency MBS and credit rating

downgrades on certain private label MBS owned by the Company. Based upon the foregoing considerations and the expectation that the Company will receive all of the future contractual cash flows related to the amortized cost on these securities, the Company does not consider there to be any additional OTTI with respect to these securities at June 30, 2016.

Obligations of states of the U.S. and political subdivisions thereof: As of June 30, 2016, the total unrealized losses on the Bank’s municipal securities amounted to $91, compared with $328 at December 31, 2015. The Bank’s municipal securities primarily consist of general obligation bonds and to a lesser extent, revenue bonds. General obligation bonds carry less risk, as they are supported by the full faith, credit and taxing authority of the issuing government and in the cases of school districts, are additionally supported by state aid. Revenue bonds are generally backed by municipal revenue streams generated through user fees or lease payments associated with specific municipal projects that have been financed.

Municipal bonds are frequently supported with insurance, which guarantees that, in the event the issuer experiences financial problems, the insurer will step in and assume payment of both principal and interest. Historically, insurance support has strengthened an issuer’s underlying credit rating to “AAA” or “AA” status. Starting in 2008, many of the insurance companies providing municipal bond insurance experienced financial difficulties and, accordingly, were downgraded by at least one of the major credit rating agencies. Consequently, a portion of the Bank’s municipal bond portfolio was downgraded by at least one of the major credit rating agencies. Notwithstanding the credit rating downgrades, at June 30, 2016, the Bank’s municipal bond portfolio did not contain any below investment grade securities as reported by major credit rating agencies. In addition, at June 30, 2016, all municipal bond issuers were current on contractually obligated interest and principal payments.

The Company attributes the unrealized losses in municipal bonds at June 30, 2016 to changes in current market yields and pricing spreads for similar securities since the date the underlying securities were purchased and, to a lesser extent, changes in credit ratings on certain securities. The Company also attributes the unrealized losses to ongoing media attention and market concerns about municipal budget deficits and the prolonged recovery from the national economic recession and the impact it might have on the future financial stability of municipalities throughout the country. Notwithstanding the foregoing considerations, the Company does not consider these municipal securities to be other-than-temporarily impaired at June 30, 2016.

At June 30, 2016, the Company had no intent to sell nor believed it is more-likely-than-not that it would be required to sell any of its impaired securities as identified and discussed immediately above, and therefore did not consider these securities to be other than temporarily impaired as of that date.

Securities Gains and Losses: The following table summarizes realized gains and losses on securities available for sale for the three and six months ended June 30, 2016 and 2015.


	Proceeds from Sale of Securities Available for Sale	Realized Gains	Realized Losses	Other Than Temporary Impairment Losses	Net

Three months ended June 30,
2016	$23,142	$1,699	$ ---	$ ---	$1,699
2015	$11,487	$ 587	$ ---	$ ---	$ 587

Six months ended June 30,
2016	$44,655	$3,135	$ ---	$ ---	$3,135
2015	$20,428	$1,206	$ ---	$ ---	$1,206

Visa Class B Common Shares: The Bank was a member of the Visa USA payment network and was issued Class B shares in connection with the Visa Reorganization and the Visa Inc. initial public offering in March 2008. The Visa Class B shares are transferable only under limited circumstances until they can be converted into shares of the publicly traded class of Visa stock. This conversion cannot happen until the settlement of certain litigation, which is indemnified by Visa members. Since its initial public offering, Visa has funded a litigation reserve based upon a change in the conversion ratio of Visa Class B shares into Visa Class A shares. At its discretion, Visa may continue to increase the conversion rate in connection with any settlements in excess of amounts then in escrow for that purpose and reduce the conversion rate to the extent that it adds any funds to the escrow in the future. Based on the existing transfer restriction and the uncertainty of the litigation, the Company has recorded its Visa Class B shares on its statements of condition at zero value for all reporting periods since 2008.

At June 30, 2016, the Bank owned 11,623 of Visa Class B shares with a then current conversion ratio to Visa Class A shares of 1.648 (or 19,158 Visa Class A shares). Upon termination of the existing transfer restriction and settlement of the litigation, and to the extent that the Bank continues to own such Visa Class B shares in the future, the Company expects to record its Visa Class A shares at fair value.

Note 8: Loans and Allowance for Loan Losses

Loans are carried at the principal amounts outstanding adjusted by partial charge-offs and net deferred loan origination costs or fees.

Interest on loans is accrued and credited to income based on the principal amount of loans outstanding. Residential real estate and home equity loans are generally placed on non-accrual status when reaching 90 days past due, or in process of foreclosure, or sooner if judged appropriate by management. Consumer loans are generally placed on non-accrual status when reaching 90 days or more past due, or sooner if management determines there is a reason to doubt full collectability of all outstanding principal and interest. Secured consumer loans are written down to realizable value and unsecured consumer loans are charged-off upon reaching 120 days past due. Commercial real estate loans and commercial business loans that are 90 days or more past due are generally placed on non-accrual status, unless secured by sufficient cash or other assets immediately convertible to cash, and the loan is in the process of collection. Commercial real estate and commercial business loans may be placed on non-accrual status prior to the 90 days delinquency date if management determines there is a reason to doubt full collectability of all outstanding principal and interest. When a loan has been placed on non-accrual status, previously accrued and uncollected interest is reversed against interest on loans. A loan can be returned to accrual status when there is evidence of an ability to adhere to the required repayment schedule and the loan has performed for a period of time, generally six months.

Commercial real estate and commercial business loans are considered impaired when it becomes probable the Bank will not be able to collect all amounts due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status and collateral value. In considering loans for evaluation of impairment, management generally excludes smaller balance, homogeneous loans, residential mortgage loans, home equity loans, and all consumer loans, unless such loans were restructured in a troubled debt restructuring. These loans are collectively evaluated for risk of loss.

Loan origination, commitment fees and direct loan origination costs are deferred, and the net amount is amortized as an adjustment of the related loans’ yield, using the level yield method over the estimated lives of the related loans.

The Company’s lending activities are principally conducted in downeast, midcoast and central Maine.

The following table summarizes the composition of the loan portfolio as of June 30, 2016, and December 31, 2015:

LOAN PORTFOLIO SUMMARY


	June 30, 2016	December 31, 2015

Commercial real estate mortgages	$ 390,033	$371,002
Commercial and industrial	80,749	79,911
Commercial construction and land development	25,467	24,926
Agricultural and other loans to farmers	33,081	31,003
Total commercial loans	529,330	506,842

Residential real estate mortgages	446,933	408,401
Home equity loans	49,330	51,530
Other consumer loans	6,946	7,949
Total consumer loans	503,209	467,880

Tax exempt loans	16,352	15,244

Net deferred loan costs and fees	131	104
Total loans	1,049,022	990,070
Allowance for loan losses	(9,891)	(9,439)
Total loans net of allowance for loan losses	$1,039,131	$980,631

Loan Origination/Risk Management: The Bank has certain lending policies and procedures in place that are designed to maximize loan income within an acceptable level of risk. The Bank’s board of directors reviews and approves these policies and procedures on a regular basis. A reporting system supplements the review process by providing management and the board with frequent reports related to loan production, loan quality, concentrations of credit, loan delinquencies and non-performing loans and potential problem loans. The Bank seeks to diversify the loan portfolio as a means of managing risk associated with fluctuations in economic conditions.

Commercial Real Estate Mortgages: The Bank’s commercial real estate mortgage loans are collateralized by liens on real estate, typically have variable interest rates and amortize over a 15 to 20 year period. These loans are underwritten primarily as cash flow loans and secondarily as loans secured by real estate. Payments on loans secured by such properties are largely dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Accordingly, repayment of these loans may be subject to adverse economic conditions to a greater extent than other types of loans. The Bank seeks to minimize these risks in a variety of ways, including giving careful consideration to the property’s operating history, future operating projections, current and projected occupancy, location and physical condition in connection with underwriting these loans. The underwriting analysis also includes credit verification, analysis of global cash flows, appraisals and a review of the financial condition of the borrower. Reflecting the Bank’s business region, at June 30, 2016, approximately 31% of the commercial real estate mortgage portfolio was represented by loans to the lodging industry. The Bank underwrites lodging industry loans as operating businesses, lending primarily to seasoned establishments with stabilized cash flows.

Commercial and Industrial Loans: Commercial and industrial loans are underwritten after evaluating and understanding the borrower’s ability to operate profitably, and prudently expand its business. Commercial and industrial loans are primarily made in the Bank’s market areas and are underwritten on the basis of the borrower’s ability to service the debt from income. These loans typically have variable interest rates

and amortize over a period of less than 10 years. As a general practice, the Bank takes as collateral a lien on available real estate, equipment or other assets owned by the borrower and obtains a personal guaranty of the borrower(s) or principal(s). Working capital loans are primarily collateralized by short-term assets whereas term loans are primarily collateralized by long-term assets. The risk in commercial and industrial loans is principally due to the type of collateral securing these loans. The increased risk also derives from the expectation that commercial and industrial loans generally will be serviced principally from the operations of the business, and, if not successful, these loans are primarily secured by tangible, non-real estate collateral.

Construction and Land Development Loans: The Bank makes loans to finance the construction of residential and non-residential properties. Construction loans generally are collateralized by first liens on real estate with terms of six to twenty-four months. The Bank conducts periodic inspections, either directly or through an agent, prior to approval of periodic draws on these loans. Underwriting guidelines similar to those described immediately above are also used in the Bank’s construction lending activities. Construction loans involve additional risks attributable to the fact that loan funds are advanced against a project under construction and the project is of uncertain value prior to its completion. Because of uncertainties inherent in estimating construction costs, the market value of the completed project and the effects of governmental regulation on real property, it can be difficult to accurately evaluate the total funds required to complete a project and the related loan to value ratio. As a result of these uncertainties, construction lending often involves the disbursement of substantial funds with repayment dependent, in part, on the success of the ultimate project rather than the ability of a borrower or guarantor to repay the loan. In many cases the success of the project can also depend upon the financial support/strength of the sponsorship. If the Bank is forced to foreclose on a project prior to completion, there is no assurance that the Bank will be able to recover the entire unpaid portion of the loan. In addition, the Bank may be required to fund additional amounts to complete a project and may have to hold the property for an indeterminate period of time. While the Bank has underwriting procedures designed to identify what it believes to be acceptable levels of risks in construction lending, no assurance can be given that these procedures will prevent losses from the risks described above.

Residential Real Estate Mortgage Loans: The Bank originates and purchases first-lien, adjustable-rate and fixed-rate, one-to-four-family residential real estate loans for the construction, purchase or refinancing of residential property. These loans are principally collateralized by owner-occupied properties, and to a lesser extent second homes and vacation properties, and are amortized over 10 to 30 years. From time-to- time the Bank will sell longer-term, low rate, residential mortgage loans to the Federal Home Loan Mortgage Corporation (“FHLMC”) with servicing rights retained. This practice allows the Bank to better manage interest rate risk and liquidity risk. In an effort to manage risk of loss and strengthen secondary market liquidity opportunities, management typically uses secondary market underwriting, appraisal, and servicing guidelines for all loans, including those held in its portfolio. Loans on one-to-four-family residential real estate are mostly originated in amounts of no more than 80% of appraised value or have private mortgage insurance. Mortgage title insurance and hazard insurance is required.

Home Equity Loans: The Bank originates home equity lines of credit and second mortgage loans (loans which are secured by a junior lien position on one-to-four-family residential real estate). Home equity loans are mostly originated in amounts of no more than 85% of the combined loan-to-value ratio (first and second liens), or have private mortgage insurance. These loans carry a higher risk than first mortgage residential loans as they are in a second position relating to collateral. Risk is reduced through underwriting criteria, which include credit verification, appraisals and evaluations, a review of the borrower's financial condition, and personal cash flows. A security interest, with title insurance when necessary, is taken in the underlying real estate.

Non-performing Loans: The following table sets forth information regarding non-accruing loans and accruing loans 90 days or more overdue at June 30, 2016, and December 31, 2015.

TOTAL NON-PERFORMING LOANS


	June 30, 2016	December 31, 2015

Commercial real estate mortgages	$1,087	$1,279
Commercial and industrial loans	190	292
Commercial construction and land development	813	1,111
Agricultural and other loans to farmers	---	16
Total commercial loans	2,090	2,698

Residential real estate mortgages	3,157	3,452
Home equity loans	134	820
Other consumer loans	91	10
Total consumer loans	3,382	4,282

Total non-accrual loans	5,472	6,980
Accruing loans contractually past due 90 days or more	81	28
Total non-performing loans	$5,553	$7,008

Troubled Debt Restructures: A Troubled Debt Restructure (“TDR”) results from a modification of a loan to a borrower who is experiencing financial difficulty in which the Bank grants a concession to the debtor that it would not otherwise consider but for the debtor’s financial difficulties. Financial difficulty arises when a debtor is bankrupt or contractually past due, or is likely to become so, based upon its ability to pay. A concession represents an accommodation not generally available to other customers, which may include a below-market interest rate, deferment of principal payments, extension of maturity dates, etc. Such accommodations extended to customers who are not experiencing financial difficulty do not result in TDR classification.

Troubled debt restructurings and related delinquency trends in general are considered in management’s evaluation of the allowance for loan losses and the related determination of the provision for loan losses.

Summary information pertaining to the TDRs that occurred during the three and six months ended June 30, 2016 and 2015 follows:


	For the Three Months Ended			For the Six Months Ended
	June 30, 2016			June 30, 2016
	Number of Loans	Pre-Modification Outstanding Recorded Investment	Post-Modification Outstanding Recorded Investment	Number of Loans	Pre-Modification Outstanding Recorded Investment	Post-Modification Outstanding Recorded Investment

Commercial real estate mortgages	1	$30	$30	3	$ 425	$ 418
Agricultural and other loans to farmers	---	---	---	2	30	25
Total commercial loans	1	30	30	5	455	443

Total	1	$30	$30	5	$ 455	$ 443


	For the Three Months Ended			For the Six Months Ended
	June 30, 2015			June 30, 2015
	Number of Loans	Pre-Modification Outstanding Recorded Investment	Post-Modification Outstanding Recorded Investment	Number of Loans	Pre-Modification Outstanding Recorded Investment	Post-Modification Outstanding Recorded Investment

Agricultural and other loans to farmers	---	$---	$---	1	$ 18	$ 17
Total commercial loans	---	---	---	1	18	17

Residential real estate mortgages	2	$795	$794	3	$1,267	$1,266
Total consumer loans	2	795	794	3	1,267	1,266

Total	2	$795	$794	4	$1,285	$1,283

The following tables show the Bank’s post-modification balance of TDRs listed by type of modification for TDRs that occurred during the three and six months ended June 30, 2016 and 2015:


	June 30, 2016		June 30, 2015
	Three Months Ended	Six Months Ended	Three Months Ended	Six Months Ended

Extended maturity and adjusted interest rate	$---	$ ---	$ ---	$ 489
Extended maturity and adjusted payment	---	413	---	---
Adjusted payment	---	---	607	607
Adjusted payment and capitalized interest	---	---	187	187
Other concessions	30	30	---	---
Total	$30	$443	$794	$1,283

As of June 30, 2016, the Bank had $3,387 of loans outstanding to 21 relationships that were classified as TDRs. These loans consisted of ten commercial real estate loans, eight real estate secured loans, four commercial and industrial loans, four agricultural loans, and one other consumer loan. At June 30, 2016, six of these TDRs totaling $879 were classified as non-accrual, and none were past due 30 days or more and still accruing.

As of December 31, 2015, the Bank had $3,162 of loans outstanding to 17 relationships that were classified as TDRs. These loans consisted of seven commercial real estate loans, eight real estate secured loans, four commercial and industrial loans, two agricultural loans, and one other consumer loan. At December 31, 2015, six of these TDRs totaling $826 were classified as non-accrual, and none were past due 30 days or more and still accruing.

During the six months ended June 30, 2016, one CRE loan for $40 that had been modified as a TDR within the previous twelve months defaulted, compared with none during the same period in 2015. A default for purposes of this disclosure is a TDR in which the borrower is 90 days or more past due or results in foreclosure and repossession of the applicable collateral.

Past due loans: Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. The following tables set forth information regarding past due loans at June 30, 2016 and December 31, 2015. Amounts shown exclude deferred loan origination fees and costs.


June 30, 2016	30-59 Days Past Due	60-89 Days Past Due	90 Days or Greater	Total Past Due	Current	Total Loans	Non-Accrual	>90 Days Past Due and Accruing
Commercial real estate mortgages	$ 844	$ 103	$ 333	$1,280	388,753	$ 390,033	$1,087	$---
Commercial and industrial	4	30	190	224	80,525	80,749	190	---
Commercial construction and land development	---	---	813	813	24,654	25,467	813	---
Agricultural and other loans to farmers	13	---	81	94	32,987	33,081	---	81
Residential real estate mortgages	1,488	753	991	3,232	443,701	446,933	3,157	---
Home equity	31	15	10	56	49,274	49,330	134	---
Other consumer loans	34	1	2	37	6,909	6,946	91	---
Tax exempt	---	---	---	---	16,352	16,352	---	---
Total	$2,414	$ 902	$2,420	$5,736	$1,043,155	$1,048,891	$5,472	$81


December 31, 2015	30-59 Days Past Due	60-89 Days Past Due	90 Days or Greater	Total Past Due	Current	Total Loans	Non- Accrual	>90 Days Past Due and Accruing
Commercial real estate mortgages	$ 99	$ 287	$ 241	$ 627	$ 370,375	$ 371,002	$1,279	$---
Commercial and industrial	9	1	271	281	79,630	79,911	292	---
Commercial construction and land development	---	---	1,111	1,111	23,815	24,926	1,111	---
Agricultural and other loans to farmers	12	70	3	85	30,918	31,003	16	3
Residential real estate mortgages	1,313	452	1,299	3,064	403,588	406,652	3,452	25
Home equity	245	---	797	1,042	50,488	51,530	820	---
Other consumer loans	66	---	---	66	9,632	9,698	10	---
Tax exempt	---	---	---	---	15,244	15,244	---	---
Total	$1,744	$ 810	$3,722	$6,276	$ 983,690	$ 989,966	$6,980	$28

Impaired Loans: Impaired loans are all commercial loans for which the Company believes it is probable that it will be unable to collect all amounts due according to the contractual terms of the loan agreement, as well as all loans modified into a TDR, if any. Allowances for losses on impaired loans are determined by the lower of the present value of the expected cash flows related to the loan, using the original contractual interest rate, and its recorded value, or in the case of collateral dependent loans, the lower of the fair value of the collateral, less estimated costs to dispose, and the recorded amount of the loans. When foreclosure is probable, impairment is measured based on the fair value of the collateral less estimated cost to sell.

Details of impaired loans as of June 30, 2016 and December 31, 2015 follows:


	June 30, 2016			December 31, 2015
		Unpaid			Unpaid
	Recorded	Principal	Related	Recorded	Principal	Related
	Investment	Balance	Allowance	Investment	Balance	Allowance
With no related allowance:
Commercial real estate mortgages	$1,900	$1,900	$---	$1,692	$1,736	$---
Commercial and industrial	89	89	---	202	352	---
Commercial construction and land development	---	---	---	---	---	---
Agricultural and other loans to farmers	127	127	---	106	106	---
Residential real estate loans	1,214	1,330	---	1,332	1,362	---
Home equity loans	17	17	---	18	18	---
Other consumer	---	---	---	---	---	---
Subtotal	$3,347	$3,463	$---	$3,350	$3,574	$---

With an allowance:
Commercial real estate mortgages	$ 536	$ 536	$ 43	$ 531	$ 531	$ 43
Commercial and industrial	220	370	175	224	374	175
Commercial construction and land development	813	2,738	60	1,111	3,036	58
Agricultural and other loans to farmers	---	---	---	---	---	---
Residential real estate loans	512	628	92	515	515	97
Home equity loans	---	---	---	---	---	---
Other consumer	7	7	---	8	8	---
Subtotal	$2,088	$4,279	$370	$2,389	$4,464	$373
Total	$5,435	$7,742	$370	$5,739	$8,038	$373

Details of impaired loans for the three and six months ended June 30, 2016 and 2015 follows:


	June 30, 2016				June 30, 2015
	Three Months Ended		Six Months Ended		Three Months Ended		Six Months Ended

	Average		Average		Average		Average
	Recorded	Interest	Recorded	Interest	Recorded	Interest	Recorded	Interest
	Investment	Recorded	Investment	Recorded	Investment	Recorded	Investment	Recorded
With no related allowance:
Commercial real estate mortgages	$1,850	$32	$1,859	$ 53	$2,413	$ 7	$2,698	$14
Commercial and industrial	92	2	94	4	441	3	446	5
Commercial construction And land development	---	---	---	---	1,260	---	1,260	---
Agricultural and other loans to farmers	128	3	135	5	113	2	118	4
Residential real estate mortgages	1,214	17	1,146	38	1,498	13	1,483	25
Home equity loans	16	---	17	1	18	---	19	1
Other consumer	---	---	---	---	---	---	---	---
Subtotal	$3,300	$54	$3,251	$101	$5,743	$25	$6,024	$49

With an allowance:
Commercial real estate mortgages	$ 482	$---	$ 443	$---	$ 955	$---	$ 955	$---
Commercial and industrial	221	---	222	---	170	---	170	---
Commercial construction and land development	865	---	988	---	---	---	---	---
Agricultural and other loans to farmers	---	---	---	---	54	---	54	---
Residential real estate mortgages	513	---	514	---	184	---	183	---
Home equity loans	---	---	---	---	---	---	---	---
Other consumer	7	---	8	---	10	---	10	---
Subtotal	$2,088	$---	$2,175	$---	$1,373	$---	$1,372	$ ---

Total	$5,388	$54	$5,426	$101	$7,116	$25	$7,396	$49

Credit Quality Indicators/Classified Loans: In monitoring the credit quality of the portfolio, management applies a credit quality indicator to all categories of commercial loans. These credit quality indicators range from one through nine, with a higher number correlating to increasing risk of loss. These ratings are used as inputs to the calculation of the allowance for loan losses.

Consistent with regulatory guidelines, the Bank provides for the classification of loans which are considered to be of lesser quality as substandard, doubtful, or loss (7, 8 and 9, respectively). The Bank considers a loan substandard if it is inadequately protected by the current net worth and paying capacity of the borrower or of the collateral pledged, if any. Substandard loans have a well-defined weakness that jeopardizes liquidation of the debt. Substandard loans include those loans where there is the distinct possibility of some loss of principal, if the deficiencies are not corrected.

Loans that the Bank classifies as doubtful have all of the weaknesses inherent in those loans that are classified as substandard but also have the added characteristic that the weaknesses present make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is high but because of certain important and reasonably specific pending factors which may work to the advantage and strengthening of the loan, its classification as loss is deferred until its more exact status is determined. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral and refinancing plans. The entire amount of the loan might not be classified as doubtful when collection of a specific portion appears highly probable. Loans are generally not classified doubtful for an extended period of time (i.e., over one year).

Loans that the Bank classifies as losses are those considered uncollectible and of such little value that their continuance as an asset is not warranted and the uncollectible amounts are charged-off. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this worthless asset even though partial recovery may be affected in the future. Losses are taken in the period in which they are determined to be uncollectible.

Loans that do not expose the Bank to risk sufficient to warrant classification in one of the aforementioned categories, but which possess some weaknesses, are designated “as other assets especially mentioned” special mention. A special mention loan has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution’s credit position at some future date. This might include loans which the lending officer may be unable to supervise properly because of: (i) lack of expertise, inadequate loan agreement; (ii) the poor condition of or lack of control over collateral; (iii) failure to obtain proper documentation or any other deviations from prudent lending practices. Economic or market conditions which may, in the future, affect the obligor may warrant special mention of the asset. Loans for which an adverse trend in the borrower's operations or an imbalanced position in the balance sheet which has not reached a point where the liquidation is jeopardized may be included in this classification. Special mention loans are not adversely classified and do not expose an institution to sufficient risks to warrant classification.

The following tables summarize the commercial loan portfolio as of June 30, 2016, and December 31, 2015, by credit quality indicator. Credit quality indicators are reassessed for each applicable commercial loan at least annually, or upon receipt and analysis of the borrower’s financial statements, when applicable. Consumer loans, which principally consist of residential mortgage loans, are not rated, but are evaluated for credit quality after origination based on delinquency status (see past due loan aging table above).


June 30, 2016	Commercial real estate mortgages	Commercial and industrial	Commercial construction and land development	Agricultural and other loans to farmers	Total
Pass	$364,130	$76,628	$24,654	$32,507	$497,919
Other Assets Especially Mentioned	10,381	1,838	---	289	12,508
Substandard	15,509	2,281	813	285	18,888
Doubtful	---	---	---	---	---
Loss	13	2	---	---	15
Total	$390,033	$80,749	$25,467	$33,081	$529,330


December 31, 2015	Commercial real estate mortgages	Commercial and industrial	Commercial construction and land development	Agricultural and other loans to farmers	Total
Pass	$345,197	$74,771	$23,460	$30,688	$474,116
Other Assets Especially Mentioned	7,381	2,349	355	168	10,253
Substandard	18,424	2,790	1,111	147	22,472
Doubtful	---	---	---	---	---
Loss	---	1	---	---	1
Total	$371,002	$79,911	$24,926	$31,003	$506,842

Allowance for Loan Losses: The allowance for loan losses (the “allowance”) is a reserve established through a provision for loan losses (the “provision”) charged to expense, which represents management’s best estimate of probable losses that have been incurred within the existing portfolio of loans. The allowance, in the judgment of management, is necessary to provide for estimated loan losses and risks inherent in the loan portfolio. The Bank’s allowance for loan loss methodology includes allowance allocations calculated in accordance with ASC Topic 310, “Receivables” and allowance allocations calculated in accordance with ASC Topic 450, “Contingencies.” Accordingly, the methodology is based on historical loss experience by type of credit and internal risk grade, homogeneous risk pools and specific loss allocations, with qualitative factor adjustments for current events and conditions. The allowance calculation also includes an estimated adjustment for a Loss Emergence Period, which improves the Bank’s ability to more accurately forecast probable losses that may exist in the loan portfolio that have not yet emerged into “problem loan” status. The Bank’s process for determining the appropriate level of the allowance is designed to account for credit deterioration as it occurs. The provision reflects loan quality trends, including the levels of and trends related to non-accrual loans, past due loans, potential problem loans, criticized loans, net charge-offs or recoveries, and the overall size of the loan portfolio, among other factors. The provision also reflects the totality of actions taken on all loans for a particular period. In other words, the amount of the provision reflects not only the necessary increases in the allowance related to newly identified criticized loans, but it also reflects actions taken related to other loans including, among other things, any necessary increases or decreases in required allowances for specific loans or loan pools.

The level of the allowance also reflects management’s continuing evaluation of industry concentrations, specific credit risks, loan loss experience, current loan portfolio quality, present economic, political and regulatory conditions and unidentified losses inherent in the current loan portfolio. While management utilizes its best judgment and information available, the ultimate adequacy of the allowance is dependent upon a variety of factors beyond the Bank’s control, including, among other things, the performance of the Bank’s loan portfolio, the economy, changes in interest rates and the view of the regulatory authorities toward loan classifications.

The Bank’s allowance for loan losses consists of two principal elements: (i) specific valuation allowances determined in accordance with ASC Topic 310 based on probable losses on specific loans; (ii) general valuation allowances, determined by taking historical valuation allowances determined in accordance with ASC Topic 450 based on historical loan loss experience for similar loans with similar characteristics and trends, adjusted, as necessary, for economic conditions and other qualitative risk factors both internal and external to the Bank.

The allowances established for probable losses on specific loans are based on a regular analysis and evaluation of problem loans. Loans are classified based on an internal credit risk grading process that evaluates, among other things: (i) the obligor’s ability to repay; (ii) the underlying collateral, if any; and (iii) the economic environment and industry in which the borrower operates. This analysis is performed at the relationship level for all commercial loans. When a loan has a classification of substandard or worse and is non-accruing, or considered a Troubled Debt Restructure (regardless of accrual status or risk rating). The Bank analyzes the loan to determine whether the loan is impaired and, if impaired, the need to specifically allocate a portion of the allowance to the loan. Specific valuation allowances are determined by analyzing the borrower’s ability to repay amounts contractually owed and collateral deficiencies, among other observable considerations.

Historical valuation allowances are calculated based on the historical loss experience of specific types of loans and the internal risk grade of such loans at the time they were charged-off, and is the first step to determining the general allowance component of the reserve. The Bank calculates historical loss ratios for pools of similar loans with similar characteristics based on the proportion of actual net charge-offs experienced to the total loan balance in the pool. The historical loss ratios are updated quarterly based on this net charge-off experience. A historical valuation allowance is established for each pool of similar

loans based upon the product of the historical loss rate and the total dollar amount of the loans in the pool, net of any loans for which reserves are already established. The Bank’s pools of similar loans include similarly risk-graded groups of commercial real estate loans, commercial and industrial loans, commercial construction and development loans, municipal loans, residential mortgage loans, consumer revolving loans, and consumer installment loans.

The general valuation allowance is determined by making adjustments to the historical valuation allowances (above), where adjustments are based on general economic conditions and other qualitative risk factors both internal and external to the Bank. Such qualitative factor adjustments are determined by evaluating, among other things: (i) changes in lending policies and procedures; (ii) economic and business conditions; (iii) changes in the volume and nature of the loan portfolio; (iv) experience, ability and depth of lending management and staff; (v) changes in asset quality and problem loan trends; (vi) quality of internal controls and effectiveness of loan review; (vii) concentrations of credit; (viii) external factors, including changes in competition, legal, and regulatory matters; and (ix) real estate market conditions and valuations of collateral. Management evaluates the degree of risk that each one of these components has on the quality of the loan portfolio on a quarterly basis. The results are then used to determine an appropriate general valuation allowance.

Once established, the general valuation allowance is then modified by the Loss Emergence Period established for each pool of homogeneous loans.

Loans identified as losses by management, external loan review and/or bank examiners, are charged-off. Furthermore, consumer loan accounts are charged-off based on regulatory requirements.

The following tables detail activity in the allowance for loan losses by portfolio segment for the three and six months ended June 30, 2016, and 2015 and twelve months ended December 31, 2015. The tables also provide details regarding the Bank’s recorded investment in loans related to each balance in the allowance for loan losses by portfolio segment and disaggregated on the basis of the Bank’s impairment methodology. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.


Three Months Ended June 30, 2016	Commercial Real Estate	Commercial and Industrial	Commercial Construction and land development	Agricultural	Residential Real Estate	Consumer	Home Equity	Tax Exempt	Total
Beginning Balance	$4,667	$1,233	$ 231	$ 365	$ 2,621	$ 108	$ 539	$ 50	$ 9,814
Charged Off	---	(1)	---	---	(91)	(7)	---	---	(99)
Recoveries	7	3	---	---	8	7	1	---	26
Provision	(9)	32	(36)	18	145	(8)	7	1	150
Ending Balance	$4,665	$1,267	$ 195	$ 383	$ 2,683	$ 100	$ 547	$ 51	$ 9,891


Six Months Ended June 30, 2016	Commercial Real Estate	Commercial and Industrial	Commercial Construction and land development	Agricultural	Residential Real Estate	Consumer	Home Equity	Tax Exempt	Total
Beginning Balance	$4,246	$1,236	$ 184	$ 307	$ 2,747	$ 111	$ 561	$ 47	$ 9,439
Charged Off	(34)	(90)	---	---	(122)	(17)	---	---	(263)
Recoveries	13	4	---	40	28	13	2	---	100
Provision	440	117	11	36	30	(7)	(16)	4	615
Ending Balance	$4,665	$1,267	$ 195	$ 383	$ 2,683	$ 100	$ 547	$ 51	$ 9,891

of which:

Amount for loans individually
evaluated for impairment	$ 43	$ 175	$ 60	$ ---	$ 54	$ 38	$ ---	$ ---	$ 370

Amount for loans collectively
evaluated for impairment	$4,622	$1,092	$ 135	$ 383	$ 2,629	$ 62	$ 547	$ 51	$ 9,521

Loans individually Evaluated for
impairment	$2,436	$ 309	$ 813	$ 127	$ 1,540	$ 7	$ 203	$ ---	$ 5,435

Loans collectively Evaluated for
impairment	$387,597	$80,440	$ 24,654	$ 32,954	$ 445,393	$ 6,939	$49,127	$16,352	$1,043,456




Three Months Ended June 30, 2015	Commercial Real Estate	Commercial and Industrial	Commercial Construction and land development	Agricultural	Residential Real Estate	Consumer	Home Equity	Tax Exempt	Total
Beginning Balance	$ 4,500	$ 1,074	$ 107	$ 334	2,875	$ 145	$ 367	$ 76	$ 9,478
Charged Off	(181)	(213)	---	---	(70)	(14)	(311)	---	(789)
Recoveries	5	1	---	---	---	4	---	---	10
Provision	(35)	285	38	38	(320)	(25)	416	3	400
Ending Balance	$ 4,289	$ 1,147	$ 145	$ 372	$ 2,485	$ 110	$ 472	$ 79	$ 9,099


Six Months Ended June 30, 2015	Commercial Real Estate	Commercial and Industrial	Commercial Construction and land development	Agricultural	Residential Real Estate	Consumer	Home Equity	Tax Exempt	Total
Beginning Balance	$ 4,468	$ 929	$ 145	$ 277	$ 2,714	$ 94	$ 271	$ 71	$ 8,969
Charged Off	(206)	(288)	---	(18)	(70)	(25)	(351)	---	(958)
Recoveries	39	2	---	12	129	11	---	---	193
Provision	(12)	504	---	101	(288)	30	552	8	895
Ending Balance	$ 4,289	$ 1,147	$ 145	$ 372	$ 2,485	$ 110	$ 472	$ 79	$ 9,099

of which:

Amount for loans individually
evaluated for impairment	$ 419	$ 169	$ ---	$ 47	$ 40	$ ---	$ 1	$ -	$ 676

Amount for loans collectively
evaluated for impairment	$3,870	$ 978	$ 145	$ 325	$ 2,445	$ 110	$ 471	$ 79	$ 8,423

Loans individually evaluated for
impairment	$2,992	$ 469	$ 1,260	$ 166	$ 1,180	$ 9	$ ---	$ ----	$ 6,076

Loans collectively Evaluated for
impairment	$351,137	$ 87,733	$ 33,160	$ 33,368	$ 392,575	$ 11,132	$51,794	$16,146	$977,045


Twelve Months Ended December 31, 2015	Commercial Real Estate	Commercial and Industrial	Commercial Construction and land development	Agricultural	Residential Real Estate	Consumer	Home Equity	Tax Exempt	Total
Beginning Balance	$ 4,468	$ 929	$ 145	$ 277	$ 2,714	$ 94	$ 271	$ 71	$ 8,969
Charged Off	(667)	(323)	----	(72)	(70)	(111)	(376)	---	(1,619)
Recoveries	98	36	----	18	129	22	1	---	304
Provision	347	594	39	84	(26)	106	665	(24)	1,785
Ending Balance	$ 4,246	$ 1,236	$ 184	$ 307	$ 2,747	$ 111	$ 561	$ 47	$ 9,439

of which:

Amount for loans individually
evaluated for impairment	$ 43	$ 175	$ 58	$ ---	$ 97	$ ---	$ ---	$ ---	$ 373

Amount for loans collectively
evaluated for impairment	$ 4,203	$ 1,061	$ 126	$ 307	$ 2,650	$ 111	$ 561	$ 47	$ 9,066

Loans individually evaluated
for impairment	$ 2,223	$ 426	$ 1,111	$ 106	$ 1,847	$ 8	$ 18	$ ---	$ 5,739

Loans collectively evaluated
for impairment	$368,779	$79,485	$23,815	$30,897	$404,805	$ 9,690	$51,512	$15,244	$984,227

Loan Concentrations: Because of the Company’s proximity to Acadia National Park, a large part of the economic activity in the Bank’s area is generated from the hospitality business associated with tourism. At June 30, 2016, and December 31, 2015, loans to the lodging industry amounted to approximately $123,595 and $98,231, respectively.

Note 9: Other Real Estate Owned

Other real estate owned (“OREO”) is classified in Other Assets on the Company’s balance sheet.

The Company's OREO activity for the six months ended June 30, 2016 and 2015 are presented below:


	2016	2015

Balance at beginning of year	$256	$523
Additions	---	---
Disposals	---	(110)
Writedowns	(47)	(20)
Balance at end of period	$209	$393

The Company's OREO portfolio by property type is presented in the table below as of June 30, 2016 and December 31, 2015:


	2016		2015
	Number of properties	Carrying value	Number of properties	Carrying value

Residential	2	$119	3	$143
Commercial	1	90	2	250
Total	3	$209	5	$393

The Company's net gains and losses on OREO properties are presented within non-interest expense on the consolidated statements of income.

The Company recorded net gains and losses on OREO properties for the three and six months ended June 30, 2016 and 2015 as follows:



	June 30, 2016		June 30, 2015
	Three Months Ended	Six Months Ended	Three Months Ended	Six Months Ended

Net (losses) gains on OREO	$(47)	$(47)	$44	$44

At June 30, 2016, the Bank had consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings were in process according to local requirements of the applicable jurisdictions totaling $2,937 compared with $4,575 at December 31, 2015.

Note 10: Reclassifications Out of Accumulated Other Comprehensive Income

The following table summarizes the reclassifications out of Accumulated Other Comprehensive Income for the six months ended June 30, 2016 and 2015.


	Amount Reclassified from Accumulated Other Comprehensive Income

Details about Accumulated Other Comprehensive Income	Six Months Ended June 30, 2016	Six Months Ended June 30, 2015	Affected Line Item in the Statement Where Net Income is Presented

Realized gains and losses on available-for-sale securities	$ 3,135	$1,206	Net securities gains
Tax (expense) or benefit	(1,097)	(422)	Provision for income taxes
Net of tax	$ 2,038	$ 784	Net income

Amortization of prior service cost and actuarial loss for supplemental executive retirement plan	$ (14)	$ (19)	Salaries and benefits
Tax (expense) or benefit	5	6	Provision for income taxes
Net of tax	$ (9)	$ (13)	Net income

Total reclassification for the period	$ 2,029	$ 771

Note 11: Financial Derivative Instruments

As part of its overall asset and liability management strategy, the Bank periodically uses derivative instruments to minimize significant unplanned fluctuations in earnings and cash flows caused by interest rate volatility. The Bank’s interest rate risk management strategy involves modifying the re-pricing characteristics of certain assets or liabilities so that changes in interest rates do not have a significant effect on net interest income.

The Company recognizes its derivative instruments on the consolidated balance sheet at fair value. On the date the derivative instrument is entered into, the Bank designates whether the derivative is part of a hedging relationship (i.e., cash flow or fair value hedge). The Bank formally documents relationships between hedging instruments and hedged items, as well as its risk management objective and strategy for undertaking hedge transactions. The Bank also assesses, both at the hedge’s inception and on an ongoing basis, whether the derivatives used in hedging transactions are highly effective in offsetting the changes in cash flows or fair values of hedged items. Changes in fair value of derivative instruments that are highly effective and qualify as cash flow hedges are recorded in other comprehensive income or loss. Any ineffective portion is recorded in earnings. The Bank discontinues hedge accounting when it is determined that the derivative is no longer highly effective in offsetting changes of the hedged risk on the hedged item, or management determines that the designation of the derivative as a hedging instrument is no longer appropriate.

In 2014, interest rate cap agreements were purchased to limit the Bank’s exposure to rising interest rates on four rolling, three-month borrowings indexed to three month LIBOR. Under the terms of the agreements, the Bank paid total premiums of $4,566 for the right to receive cash flow payments if 3-month LIBOR rises above the caps of 3.00%, thus effectively ensuring interest expense on the borrowings at maximum rates of 3.00% for the duration of the agreements. The interest rate cap agreements were designated as cash flow hedges.

At June 30, 2016, the Bank had four outstanding derivative instruments with notional amounts totaling $90,000. These derivative instruments were interest rate cap agreements. The notional amounts of the financial derivative instruments do not represent exposure to credit loss. The Bank is exposed to credit loss only to the extent the counter-party defaults in its responsibility to pay interest under the terms of the agreements. The credit risk in derivative instruments is mitigated by entering into transactions with highly-rated counterparties that management believes to be creditworthy and by limiting the amount of exposure to each counter-party. At June 30, 2016, the Bank’s derivative instrument counterparties were credit rated “AA” by the major credit rating agencies.

The details of the Bank’s financial derivative instruments as of June 30, 2016 are summarized below:

Interest Rate Cap Agreements


Notional Amount	Termination Date	3-Month LIBOR Strike Rate	Premium Paid	Unamortized Premium	Fair Value

$25,000	06/02/21	3.00%	$ 922	$ 915	$ 76
$20,000	06/04/24	3.00%	$1,470	$1,466	$284
$20,000	10/21/21	3.00%	$ 632	$ 631	$ 83
$25,000	10/21/24	3.00%	$1,542	$1,541	$399

At June 30, 2016, the total fair value of the interest rate cap agreements was $842, compared with $2,069 at December 31, 2015. The fair values of the interest rate cap agreements are included in other assets on the Company’s consolidated balance sheets. Changes in the fair value, representing unrealized gains or losses, are recorded in accumulated other comprehensive income, net of tax.

The premiums paid on the interest rate cap agreements are being recognized as increases in interest expense over the duration of the agreements using the caplet method. For the three and six months ended June 30, 2016, $3 and $11 of premium amortization was recorded, respectively. During the next twelve months, $134 of the total premiums will be recognized as increases to interest expense, increasing the interest expense related to the hedged borrowings.

A summary of the hedging related balances as of June 30, 2016 and December 31, 2015 follows:


	Gross	Net of Tax
June 30, 2016
Unrealized loss on interest rate caps	$(3,711)	$(2,412)
Unamortized premium on interest rate caps	4,553	2,959
Total	$ 842	$ 547



December 31, 2015
Unrealized loss on interest rate caps	$(2,495)	$(1,621)
Unamortized premium on interest rate caps	4,564	2,966
Total	$ 2,069	$ 1,345

Note 12: Retirement Benefit Plans

The Company has non-qualified supplemental executive retirement agreements with certain retired officers. The agreements provide supplemental retirement benefits payable in installments over a period of years upon retirement or death. The Company recognized the net present value of payments associated with the agreements over the service periods of the participating officers. Interest costs continue to be recognized on the benefit obligations.

The Company also has a supplemental executive retirement agreement with a certain current executive officer. This agreement provides a stream of future payments in accordance with a defined vesting schedule upon retirement, termination, or upon a change of control.

The following tables summarize the net periodic benefit costs for the three and six months ended June 30, 2016, and 2015:


	Supplemental Executive
	Retirement Plans

Three Months Ended June 30,	2016	2015

Service cost	$ 18	$ 19
Interest cost	32	31
Actuarial loss on supplemental executive retirement plan	7	8
Net periodic benefit cost	$ 57	$ 58


Six Months Ended June 30,

Service cost	$ 36	$ 36
Interest cost	64	62
Actuarial loss on supplemental executive retirement plan	14	19
Net periodic benefit cost	$114	$117

The Company is expected to recognize $228 of expense for the foregoing plans for the year ended December 31, 2016. The Company is expected to contribute $291 to the foregoing plans in 2016. As of June 30, 2016, the Company had contributed $150.

Note 13: Commitments and Contingent Liabilities

The Bank is a party to financial instruments in the normal course of business to meet financing needs of its customers. These financial instruments include commitments to extend credit, unused lines of credit, and standby letters of credit.

Commitments to originate loans, including unused lines of credit, are agreements to lend to a customer provided there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank uses the same credit policy to make such commitments as it uses for on-balance-sheet items, such as loans. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the borrower.

The Bank guarantees the obligations or performance of customers by issuing standby letters of credit to third parties. These standby letters of credit are primarily issued in support of third party debt or obligations. The risk involved in issuing standby letters of credit is essentially the same as the credit risk involved in extending loan facilities to customers, and they are subject to the same credit origination, portfolio maintenance and management procedures in effect to monitor other credit and off-balance sheet instruments. Exposure to credit loss in the event of non-performance by the counter-party to the financial instrument for standby letters of credit is represented by the contractual amount of those instruments.

Typically, these standby letters of credit have terms of five years or less and expire unused; therefore, the total amounts do not necessarily represent future cash requirements.

The following table summarizes the contractual amounts of commitments and contingent liabilities as of June 30, 2016, and December 31, 2015:


	June 30,	December 31,
	2016	2015

Commitments to originate loans	$25,047	$41,529
Unused lines of credit	$93,974	$97,283
Un-advanced portions of construction loans	$24,180	$12,719
Standby letters of credit	$ 385	$ 385

As of June 30, 2016, and December 31, 2015, the fair value of the standby letters of credit was not significant to the Company’s consolidated financial statements.

Note 14: Goodwill and Other Intangible Assets

Goodwill: Goodwill totaled $4,935 at June 30, 2016, and December 31, 2015. In 2012 the Company recorded $1,777 of goodwill in connection with the Bank’s acquisition of substantially all of the assets and the assumption of certain liabilities including all deposits of the Border Trust Company.

Core Deposit Intangible Asset: The Company has a finite-lived intangible asset capitalized on its consolidated balance sheet in the form of a core deposit intangible asset related to the Border Trust Company acquisition. The core deposit intangible is being amortized over an estimated useful life of eight and one-half years and is included in other assets on the Company’s consolidated balance sheet. At June 30, 2016, and December 31, 2015, the balance of the core deposit intangible asset amounted to $424 and $470, respectively.


	June 30,	December 31,
	2016	2015

Gross carrying amount	$783	$783
Less: accumulated amortization	359	313
Net carrying amount	$424	$470

Amortization expense on the finite-lived intangible assets is expected to total $92 for each year from 2016 through 2020, then $8 for 2021.

Note 15: Fair Value Measurements

The Company measures fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. The price in the principal (or most advantageous) market used to measure the fair value of the asset or liability shall not be adjusted for transaction costs. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets and liabilities; it is not a forced transaction. Market participants are buyers and sellers in the principal market that are (i) independent, (ii) knowledgeable, (iii) able to transact, and (iv) willing to transact.

The Company’s fair value measurements employ valuation techniques that are consistent with the market approach, the income approach and/or the cost approach. The market approach uses prices and other relevant information generated by market transactions involving identical or comparable assets and liabilities. The income approach uses valuation techniques to convert future amounts, such as cash flows or earnings, to a single present amount on a discounted basis. The cost approach is based on the amount that currently would be required to replace the servicing capacity of an asset (replacement cost). Valuation techniques are consistently applied. Inputs to valuation techniques refer to the assumptions that market participants would use in pricing the asset or liability. Inputs may be observable, meaning those that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from independent sources, or unobservable, meaning those that reflect the reporting entity's own assumptions about the assumptions market participants would use in pricing the asset or liability developed based on the best information available in the circumstances. The Company uses a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets (Level 1 measurements) for identical assets or liabilities and the lowest priority to unobservable inputs (Level 3 measurements). The fair value hierarchy is as follows:

Level 1 – Valuation is based on unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date.

Level 2 – Valuation is based on quoted prices for similar instruments in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, and model-based techniques for which all significant assumptions are observable in the market.

Level 3 – Valuation is principally generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates that market participants would use in pricing the asset or liability. Valuation techniques include use of discounted cash flow models and similar techniques.

The level in the fair value hierarchy within which the fair value measurement in its entirety falls is determined based on the lowest level input that is significant to the fair value measurement in its entirety.

The most significant instruments that the Company values are securities, all of which fall into Level 2 in the fair value hierarchy. The securities in the available for sale portfolio are priced by independent providers. In obtaining such valuation information from third parties, the Company has evaluated their valuation methodologies used to develop the fair values in order to determine whether valuations are appropriately placed within the fair value hierarchy and whether the valuations are representative of an exit price in the Company’s principal markets. The Company’s principal markets for its securities portfolios are the secondary institutional markets, with an exit price that is predominantly reflective of bid level pricing in those markets. Additionally, the Company periodically tests the reasonableness of the prices provided by these third parties by obtaining fair values from other independent providers and by obtaining desk bids from a variety of institutional brokers.

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.

Securities Available for Sale: All securities and major categories of securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from independent pricing providers. The fair value measurements used by the pricing providers consider observable data that may include dealer quotes, market maker quotes and live trading systems. If quoted prices are not readily available, fair values are determined using matrix pricing models, or other model-based valuation techniques requiring observable inputs other than quoted prices such as market pricing spreads, credit information, callable features, cash flows, the U.S. Treasury yield curve,

trade execution data, market consensus prepayment speeds, default rates, and the securities’ terms and conditions, among other things.

The foregoing valuation methodologies may produce fair value calculations that may not be fully indicative of net realizable value or reflective of future fair values. While Company management believes these 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.

The following tables summarize financial assets and financial liabilities measured at fair value on a recurring basis as of June 30, 2016, and December 31, 2015, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value:


June 30, 2016	Level 1 Inputs	Level 2 Inputs	Level 3 Inputs	Total Fair Value
Securities available for sale:
Mortgage-backed securities:
US Government-sponsored enterprises	$ ---	$332,980	$ ---	$332,980
US Government agencies	$ ---	$ 82,368	$ ---	$ 82,368
Private label	$ ---	$ 1,327	$ ---	$ 1,327
Obligations of states and political subdivisions thereof	$ ---	$115,915	$ ---	$115,915
Derivative assets	$ ---	$ 842	$ ---	$ 842

December 31, 2015	Level 1 Inputs	Level 2 Inputs	Level 3 Inputs	Total Fair Value
Securities available for sale:
Mortgage-backed securities:
US Government-sponsored enterprises	$ ---	$306,993	$ ---	$306,993
US Government agencies	$ ---	$ 79,130	$ ---	$ 79,130
Private label	$ ---	$ 3,464	$ ---	$ 3,464
Obligations of states and political subdivisions thereof	$ ---	$115,382	$ ---	$115,382
Derivative assets	$ ---	$ 2,069	$ ---	$ 2,069

The following tables present the carrying value of certain financial assets and financial liabilities measured at fair value on a non-recurring basis, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value.


As of June 30, 2016	Level 1 Inputs	Level 2 Inputs	Level 3 Inputs	Fair Value	Loss

Other real estate owned	$ ---	$ ---	$ 209	$ 209	$47
Collateral dependent impaired loans	$ ---	$ ---	$2,769	$2,769	$---


As of December 31, 2015	Level 1 Inputs	Level 2 Inputs	Level 3 Inputs	Fair Value	Loss

Other real estate owned	$ ---	$ ---	$ 256	$ 256	$27
Collateral dependent impaired loans	$ ---	$ ---	$1,999	$1,999	$---

The Company had total collateral dependent impaired loans with carrying values of $2,769 and $1,999 which had specific reserves included in the allowance of $307 and $312, at June 30, 2016 and December 31, 2015, respectively. The Company measures the value of collateral dependent impaired loans using Level 3 inputs. Specifically, the Company uses the appraised value of the collateral, which is then discounted for estimated costs to dispose and other considerations. These discounts generally range from 10% to 30% of appraised value.

In estimating the fair value of OREO, the Company generally uses market appraisals less estimated costs to dispose of the property, which generally range from 10% to 30% of appraised value. Management may also make adjustments to reflect estimated fair value declines, or may apply other discounts to appraised values for unobservable factors resulting from its knowledge of the property or consideration of broker quotes. The appraisers use a market, income, and/or a cost approach in determining the value of the collateral. Therefore they have been categorized as a Level 3 measurement.

There were no transfers between levels during the periods presented.

Note 16: Fair Value of Financial Instruments

The Company discloses fair value information about financial instruments for which it is practicable to estimate fair value. Fair value estimates are made as of a specific point in time based on the characteristics of the financial instruments and relevant market information. Where available, quoted market prices are used. In other cases, fair values are based on estimates using present value or other valuation techniques. These techniques involve uncertainties and are significantly affected by the assumptions used and judgments made regarding risk characteristics of various financial instruments, discount rates, estimates of future cash flows, future expected loss experience and other factors. Changes in assumptions could significantly affect these estimates. Derived fair value estimates cannot be substantiated by comparison to independent markets and, in certain cases, could not be realized in an immediate sale of the instrument.

Fair value estimates are based on existing financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Accordingly, the aggregate fair value amounts presented do not purport to represent the underlying market value of the Company.

The following describes the methods and significant assumptions used by the Company in estimating the fair values of significant financial instruments:

Cash and Cash Equivalents: For cash and cash equivalents, including cash and due from banks and other short-term investments with maturities of 90 days or less, the carrying amounts reported on the consolidated balance sheet approximate fair values.

Federal Home Loan Bank Stock: For Federal Home Loan Bank stock, the carrying amounts report on the consolidated balance sheet approximate fair values.

Loans: For variable rate loans that re-price frequently and have no significant change in credit risk, fair values are based on carrying values. The fair value of other loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities.

Deposits: The fair value of deposits with no stated maturity is equal to the carrying amount. The fair value of time deposits is based on the discounted value of contractual cash flows, applying interest rates currently being offered on wholesale funding products of similar maturities. The fair value estimates for deposits do not include the benefit that results from the low-cost funding provided by the deposit liabilities compared to the cost of alternative forms of funding (“deposit base intangibles”).

Borrowings: For borrowings that mature or re-price in 90 days or less, carrying value approximates fair value. The fair value of the Company’s remaining borrowings is estimated by using discounted cash flows based on current rates available for similar types of borrowing arrangements taking into account any optionality.

Accrued Interest Receivable and Payable: The carrying amounts of accrued interest receivable and payable approximate their fair values.

Off-Balance Sheet Financial Instruments: The Company’s off-balance sheet instruments consist of loan commitments and standby letters of credit. Fair values for standby letters of credit were insignificant.

A summary of the carrying values and estimated fair values of the Company’s significant financial instruments at June 30, 2016 and December 31, 2015, follows:


June 30, 2016	Carrying Value	Level 1 Inputs	Level 2 Inputs	Level 3 Inputs	Total Fair Value
Financial Assets:
Cash and cash equivalents	$ 25,867	$25,867	$ ---	$ ---	$ 25,867
Federal Home Loan Bank stock	26,713	---	26,713	---	26,713
Loans, net	1,039,131	---	---	1,041,964	1,041,964
Interest receivable	6,252	---	6,252	---	6,252

Financial liabilities:
Deposits (with no stated maturity)	$ 532,958	$ ---	$532,958	$ ---	$ 532,958
Time deposits	456,858	---	461,990	---	461,990
Borrowings	525,102	---	526,690	---	526,690
Interest payable	562	---	562	---	562


December 31, 2015	Carrying Value	Level 1 Inputs	Level 2 Inputs	Level 3 Inputs	Total Fair Value
Financial Assets:
Cash and cash equivalents	$ 9,720	$ 9,720	$ ---	$ ---	$ 9,720
Federal Home Loan Bank stock	21,479	---	21,479	---	21,479
Loans, net	980,631	---	---	975,610	975,610
Interest receivable	5,420	---	5,420	---	5,420

Financial liabilities:
Deposits (with no stated maturity)	$ 546,058	$ ---	$546,058	$ ---	$ 546,058
Time deposits	396,729	---	399,146	---	399,146
Borrowings	474,791	---	473,404	---	473,404
Interest payable	527	---	527	---	527

Item 2. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

Management’s discussion and analysis, which follows, focuses on the factors affecting the Company’s consolidated results of operations for the three and six months ended June 30, 2016 and 2015, and financial condition at June 30, 2016 and December 31, 2015, and where appropriate, factors that may affect

future financial performance. The following discussion and analysis of financial condition and results of operations of the Company and its subsidiaries should be read in conjunction with the consolidated financial statements and notes thereto, and selected financial and statistical information appearing elsewhere in this report on Form 10-Q.

Amounts in the prior period financial statements are reclassified whenever necessary to conform to current period presentation.

Unless otherwise noted, all dollars are expressed in thousands except share data.

Use of Non-GAAP Financial Measures: Certain information discussed below is presented on a fully taxable equivalent basis. Specifically, included in interest income for the second quarter of 2016 and 2015 was $1,037 and $894, respectively, of tax-exempt interest income from certain investment securities and loans. For the six months ended June 30, 2016 and 2015, the amount of tax exempt income included in interest income was $2,094 and $1,792, respectively.

An amount equal to the tax benefit derived from this tax exempt income has been added back to the interest income totals discussed in certain sections of this Management’s Discussion and Analysis, representing tax equivalent adjustments of $526 and $451 in the second quarter of 2016 and 2015, respectively, which increased net interest income accordingly. The analysis of net interest income tables included in this report on Form 10-Q provide a reconciliation of tax equivalent financial information to the Company's consolidated financial statements, which have been prepared in accordance with U.S. generally accepted accounting principles.

Management believes the disclosure of tax equivalent net interest income information improves the clarity of financial analysis, and is particularly useful to investors in understanding and evaluating the changes and trends in the Company's results of operations. Other financial institutions commonly present net interest income on a tax equivalent basis. This adjustment is considered helpful in the comparison of one financial institution's net interest income to that of another institution, as each will have a different proportion of tax-exempt interest from their earning asset portfolios. Moreover, net interest income is a component of a second financial measure commonly used by financial institutions, net interest margin, which is the ratio of net interest income to average earning assets. For purposes of this measure as well, other financial institutions generally use tax equivalent net interest income to provide a better basis of comparison from institution to institution. The Company follows these practices.

The Company presents its efficiency ratio using non-GAAP information. The GAAP efficiency ratio is computed by dividing non-interest expense by the sum of tax-equivalent net interest income and non-interest income. The non-GAAP efficiency ratio is computed by dividing non-interest expense by the sum of tax-equivalent net interest income and non-interest income other than net securities gains, and other significant non-recurring expenses.

FORWARD LOOKING STATEMENTS DISCLAIMER

Certain statements, as well as certain other discussions contained in this quarterly report on Form 10-Q, or incorporated herein by reference, contain statements which may be considered to be forward-looking within the meaning of Section 27A of the Securities Act of 1933, as amended and Section 21E of the Securities Exchange Act of 1934, as amended. Readers can identify these forward-looking statements by the use of words like "strategy," "expects," "plans," "believes," "will," "estimates," "intends," "projects," "goals," "targets," and other words of similar meaning. Readers can also identify them by the fact that they do not relate strictly to historical or current facts.

Investors are cautioned that forward-looking statements are inherently uncertain. Forward-looking statements include, but are not limited to, those made in connection with estimates with respect to the future results of operation, financial condition, and the business of the Company which are subject to

change based on the impact of various factors that could cause actual results to differ materially from those projected or suggested due to certain risks and uncertainties. Those factors include but are not limited to:


(i)		The Company's success is dependent to a significant extent upon general economic conditions in Maine, and Maine's ability to attract new business, as well as factors that affect tourism, a major source of economic activity in the Company’s immediate market areas;

(ii)		The Company's earnings depend to a great extent on the level of net interest income (the difference between interest income earned on loans and investments and the interest expense paid on deposits and borrowings) generated by the Company’s wholly-owned banking subsidiary, Bar Harbor Bank & Trust (the “Bank”), and thus the Company’s results of operations may be adversely affected by increases or decreases in interest rates;

(iii)		The banking business is highly competitive and the profitability of the Company depends on the Bank's ability to attract loans and deposits in Maine, where the Bank competes with a variety of traditional banking and non-traditional institutions, such as credit unions and finance companies;

(iv)		A significant portion of the Bank's loan portfolio is comprised of commercial loans and loans secured by real estate, exposing the Company to the risks inherent in financings based upon analysis of credit risk, the value of underlying collateral, and other intangible factors which are considered in making commercial loans and, accordingly, the Company's profitability may be negatively impacted by judgment errors in risk analysis, by loan defaults, and the ability of certain borrowers to repay such loans during a downturn in general economic conditions;

(v)		Adverse changes in repayment performance and fair value of underlying residential mortgage loan collateral, that differ from the Company’s current estimates, could change the Company’s expectations that it will recover the amortized cost of its private label mortgage backed securities portfolio and/or its conclusion that such securities were not other-than temporarily impaired as of the date of this report;

(vi)		Significant changes in the Company’s internal controls, or internal control failures;

(vii)		Acts or threats of terrorism and actions taken by the United States or other governments as a result of such threats, including military action, could further adversely affect business and economic conditions in the United States generally and in the Company’s markets, which could have an adverse effect on the Company’s financial performance and that of borrowers and on the financial markets and the price of the Company’s common stock;

(viii)		Significant changes in the extensive laws, regulations, and policies governing bank holding companies and their subsidiaries could alter the Company's business environment or affect its operations;

(ix)		Changes in general, national, international, regional or local economic conditions and credit markets which are less favorable than those anticipated by Company management that could impact the Company's securities portfolio, quality of credits, or the overall demand for the Company's products or services;

(x)		The integrity of information systems are under significant threat from cyber attacks by third-parties, including thorough coordinated attacks sponsored by foreign nations and criminal organizations to disrupt business operations and other compromises to data and systems for political or criminal purposes;

(xi)		The factors that could also cause actual results to differ materially from current expectations include failure to complete the proposed LSBG Merger, the imposition of adverse regulatory conditions in connection with regulatory approval of the proposed LSBG Merger, disruption to the parties’ businesses as a result of the announcement and pendency of the LSBG Merger, the inability to realize expected cost savings or to implement integration plans and other adverse consequences associated with the LSBG Merger, and

(xii)		The factors that could also cause actual results to differ materially from current expectations include failure to complete the proposed LSBG Merger, the imposition of adverse regulatory conditions in connection with regulatory approval of the proposed LSBG Merger, disruption to the parties’ businesses as a result of the announcement and pendency of the LSBG Merger, the inability to realize expected cost savings or to implement integration plans and other adverse consequences associated with the LSBG Merger, and
(xiii)		The Company’s success in managing the risks involved in all of the foregoing matters.

Readers should carefully review all of these factors as well as the risk factors set forth in Item 1A- Risk Factors, contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2015, and as updated in Part II, Item 1A of this report. There may be other risk factors that could cause differences in future periods from those anticipated by management.

The forward-looking statements contained herein represent the Company's judgment as of the date of this quarterly report on Form 10-Q and the Company cautions readers not to place undue reliance on such statements. The Company disclaims any obligation to publicly update or revise any forward-looking statement contained in the succeeding discussion, or elsewhere in this quarterly report on Form 10-Q, except to the extent required by federal securities laws.

APPLICATION OF CRITICAL ACCOUNTING POLICIES

The Company’s significant accounting policies are more fully enumerated in Note 1 to the Consolidated Financial Statements included in Item 8 of its December 31, 2015, report on Form 10-K. The reader of the financial statements should review these policies to gain a greater understanding of how the Company’s financial performance is reported.

Management’s discussion and analysis of the Company’s financial condition and results of operations are based on the Consolidated Financial Statements, which are prepared in accordance with U.S. generally accepted accounting principles. The preparation of such financial statements requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues and expenses and related disclosure of contingent assets and liabilities. Management evaluates its estimates on an ongoing basis. Management bases its estimates on historical experience and various other assumptions that are believed to be reasonable under the circumstances, the results of which form the basis in making judgments about the carrying values of assets that are not readily apparent from other sources. Actual results could differ from the amount derived from management’s estimates and assumptions under different assumptions or conditions. Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses, other than temporary impairment on securities, income tax estimates, and the evaluation of intangible assets. The use of these estimates is more fully described in Part I, Item 1, Note 5 of the consolidated financial statements in this quarterly report on Form 10-Q.

SUMMARY FINANCIAL RESULTS

For the three months ended June 30, 2016, the Company reported net income of $4,311, compared with $3,873 for the second quarter of 2015, representing an increase of $438, or 11.3%. The Company’s diluted earnings per share amounted to $0.71 for the quarter representing an increase of $0.07, or 10.9%, compared with the second quarter of 2015. The Company’s annualized return on average shareholders’ equity amounted to 10.72% for the quarter, compared with 10.31% for the second quarter of 2015. The Company’s annualized return on average assets amounted to 1.05% for the quarter, compared with 1.01% for the second quarter of 2015.

On May 5, 2016, the Company announced the signing of a definitive agreement and plan of merger pursuant to which the Company will acquire Lake Sunapee Bank Group (“LSBG”) in an all-stock transaction valued at approximately $143 million (the “Merger”). The market expanding Merger is expected to create efficiencies and strategic growth opportunities for both businesses through the leveraging of each other’s platforms and capabilities, and will create the only community bank headquartered in New England with a market footprint in all three Northern New England states of Maine, New Hampshire and Vermont. At closing, the combined institution is expected to have approximately $3.3 billion in assets, $2.4 billion in loans, $2.2 billion in deposits and over $2.0 billion in assets under management. The Company will have a pro forma market cap of approximately $350 million and 49 branches serving customers and communities across three states. The Merger is expected to be completed in the fourth quarter of 2016 or the first quarter of 2017. The consummation of the Merger is subject to receipt of the requisite approval of the Company's shareholders and LSBG shareholders, receipt of all required regulatory approvals, and other customary closing conditions. Included in the Company’s second quarter non-interest expense was $492 in non-recurring expenses related to the LSBG Merger, largely legal and other professional fees.

For the six months ended June 30, 2016, the Company reported net income of $8,717, compared with $7,754, representing an increase of $963, or 12.4% when compared to the same period in 2015. The Company’s diluted earnings per share amounted to $1.43 for the six months ended June 30, 2016, representing an increase of $0.15, or 11.7%, compared with the same period in 2015. The Company’s annualized return on average shareholders’ equity amounted to 10.95%, compared with 10.44% in the first half of 2015. The Company’s annualized return on average assets amounted to 1.07%, compared with 1.04% for the six months ended June 30, 2015.

As more fully enumerated in the following management discussion and analysis, the Company’s year-to-date operating results were highlighted by a $993, or 4.4%, increase in tax-equivalent net interest income, despite a twelve basis point decline in the tax-equivalent net interest margin compared with

the first half of 2015. Led by a $1,929 increase in realized securities gains, total non-interest income increased $2,097, or 43.3%, compared with the six months ended June 30, 2015.

Led by growth in the loan and securities portfolios, total assets ended the second quarter at $1,687,549, representing an increase of $107,494, or 6.8%, compared with December 31, 2015. Total loans ended the second quarter at $1,049,022, representing an increase of $58,952, or 6.0%, compared with December 31, 2015. The credit quality of the loan portfolio remained stable during the first half of 2016, highlighted by a $1,455, or 20.8%, decline in non-performing loans compared with December 31, 2015. Net loan charge-offs amounted to $163 the six months ended June 30, 2016, or annualized net charge-offs to average loans outstanding of 0.03%.

RESULTS OF OPERATIONS

Net Interest Income

Net interest income is the principal component of the Company's income stream and represents the difference or spread between interest generated from earning assets and the interest expense paid on deposits and borrowed funds. Net interest income is entirely generated by the Bank. Fluctuations in market interest rates as well as volume and mix changes in earning assets and interest bearing liabilities can materially impact net interest income.

Total Net Interest Income: For the three months ended June 30, 2016, net interest income on a tax-equivalent basis amounted to $11,908, compared with $11,337 for the second quarter of 2015, representing an increase of $571, or 5.0%. The increase in second quarter 2016 tax-equivalent net interest income compared with the second quarter of 2015 was attributed to average earning asset growth of $116,530, or 8.0%, as the tax-equivalent net interest margin declined eight basis points to 3.04%.

For the six months ended June 30, 2016, net interest income on a tax-equivalent basis amounted to $23,781, compared with $22,788 for the first half of 2015, representing an increase of $993, or 4.4%. The increase in tax-equivalent net interest income compared with the first half of 2015 was attributed to average earning asset growth of $120,146, or 8.3%, as the tax-equivalent net interest margin declined twelve basis points to 3.07%.

Factors contributing to the changes in net interest income and the net interest margin are more fully enumerated in the following discussion and analysis.

Net Interest Income Analysis: The following tables summarize the Company’s average balance sheet and components of net interest income, including a reconciliation of tax-equivalent adjustments, for the three and six months ended June 30, 2016, and 2015:

AVERAGE BALANCE SHEET AND

ANALYSIS OF NET INTEREST INCOME

THREE MONTHS ENDED

JUNE 30, 2016 AND 2015


		2016			2015
			Weighted			Weighted
	Average		Average	Average		Average
	Balance	Interest	Rate	Balance	Interest	Rate
Interest Earning Assets:
Loans (1,3)	$1,028,748	$10,308	4.03%	$ 953,800	$ 9,707	4.08%
Securities (2,3)	521,373	4,367	3.37%	481,947	4,121	3.43%
Federal Home Loan Bank stock	25,544	205	3.23%	23,388	95	1.63%

Total Earning Assets	1,575,665	14,880	3.80%	1,459,135	13,923	3.83%

Non-Interest Earning Assets:
Cash and due from banks	5,400			4,313
Allowance for loan losses	(10,036)			(9,416)
Other assets (2)	80,547			79,009
Total Assets	$1,651,576			$1,533,041


Interest Bearing Liabilities:
Deposits	$ 845,042	$ 1,599	0.76%	$ 803,474	$ 1,460	0.73%
Borrowings	557,593	1,373	0.99%	499,293	1,126	0.90%
Total Interest Bearing Liabilities	1,402,635	2,972	0.85%	1,302,767	2,586	0.80%
Rate Spread			2.95%			3.03%

Non-Interest Bearing Liabilities:
Demand and other non-interest bearing deposits	80,119			73,013
Other liabilities	7,147			6,607
Total Liabilities	1,489,901			1,382,387
Shareholders' equity	161,675			150,654
Total Liabilities and Shareholders' Equity	$1,651,576			$1,533,041
Net interest income and net interest margin (3)		11,908	3.04%		11,337	3.12%
Less: Tax Equivalent adjustment		(526)			(451)
Net Interest Income		$11,382	2.91%		$10,886	2.99%

(1) For purposes of these computations, non-accrual loans are included in average loans.

(2) For purposes of these computations, unrealized gains (losses) on available-for-sale securities are recorded in other assets.

(3) For purposes of these computations, net interest income and net interest margin are reported on a tax-equivalent basis.

AVERAGE BALANCE SHEET AND

ANALYSIS OF NET INTEREST INCOME

SIX MONTHS ENDED

JUNE 30, 2016 AND 2015


		2016			2015
			Weighted			Weighted
	Average		Average	Average		Average
	Balance	Interest	Rate	Balance	Interest	Rate
Interest Earning Assets:
Loans (1,3)	$1,020,341	$20,450	4.03%	$ 943,810	$19,446	4.15%
Securities (2,3)	515,342	8,750	3.41%	473,232	8,274	3.53%
Federal Home Loan Bank stock	24,159	381	3.17%	22,654	189	1.68%

Total Earning Assets	1,559,842	29,581	3.81%	1,439,696	27,909	3.91%

Non-Interest Earning Assets:
Cash and due from banks	5,069			4,076
Allowance for loan losses	(9,905)			(9,293)
Other assets (2)	79,547			75,572
Total Assets	$1,634,553			$1,510,051



Interest Bearing Liabilities:
Deposits	$ 863,021	$ 3,176	0.74%	$ 792,212	$ 2,913	0.74%
Borrowings	523,293	2,624	1.01%	486,859	2,208	0.91%
Total Interest Bearing Liabilities	1,386,314	5,800	0.84%	1,279,071	5,121	0.81%
Rate Spread			2.97%			3.10%

Non-Interest Bearing Liabilities:
Demand and other non-interest bearing deposits	81,697			74,256
Other liabilities	6,444			6,908
Total Liabilities	1,474,455			1,360,235
Shareholders' equity	160,098			149,816
Total Liabilities and Shareholders' Equity	$1,634,553			$1,510,051
Net interest income and net interest margin (3)		23,781	3.07%		22,788	3.19%
Less: Tax Equivalent adjustment		(1,063)			(904)
Net Interest Income		$22,718	2.93%		$21,884	3.07%

(1) For purposes of these computations, non-accrual loans are included in average loans.

(2) For purposes of these computations, unrealized gains (losses) on available-for-sale securities are recorded in other assets.

(3) For purposes of these computations, net interest income and net interest margin are reported on a tax-equivalent basis.

Net Interest Margin: The net interest margin, expressed on a tax equivalent basis, represents the difference between interest and dividends earned on interest-earning assets and interest paid to depositors and other creditors, expressed as a percentage of average earning assets.

The net interest margin is determined by dividing tax equivalent net interest income by average interest-earning assets. The interest rate spread represents the difference between the average tax equivalent yield earned on interest earning-assets and the average rate paid on interest bearing liabilities. The net interest margin is generally higher than the interest rate spread due to the additional income earned on those assets funded by non-interest bearing liabilities, primarily demand deposits and shareholders’ equity.

For the three months ended June 30, 2016, the tax equivalent net interest margin amounted to 3.04%, compared with 3.12% in the second quarter of 2015, representing a decline of eight basis points. The decline in the net interest margin was attributed to a three basis point decline in the weighted average yield on earning assets, combined with a five basis point increase in the weighted average cost of interest bearing liabilities, compared with the second quarter of 2015.

For the six months ended June 30, 2016, the tax equivalent net interest margin amounted to 3.07%, compared with 3.19% in the first half of 2015, representing a decline of twelve basis points. The decline in the net interest margin was attributed to a ten basis point decline in the weighted average yield on earning assets, combined with a three basis point increase in the weighted average cost of interest bearing liabilities, compared with the six months ended June 30, 2015.

The following table summarizes the net interest margin components, on a quarterly basis, over the past two years. Factors contributing to the changes in the net interest margin are further enumerated in the following discussion and analysis.

NET INTEREST MARGIN ANALYSIS

FOR QUARTER ENDED


WEIGHTED AVERAGE RATES	2016		2015				2014
Quarter:	2	1	4	3	2	1	4	3
Interest Earning Assets:
Loans (1,3)	4.03%	4.03%	4.05%	4.08%	4.08%	4.23%	4.19%	4.44%
Securities (2,3)	3.37%	3.46%	3.47%	3.56%	3.43%	3.63%	3.74%	3.50%
Federal Home Loan Bank stock	3.23%	3.11%	3.85%	3.21%	1.63%	1.74%	1.50%	1.32%
Fed Funds sold, money market funds,
and time deposits with other banks	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Total Earning Assets	3.80%	3.83%	3.86%	3.89%	3.83%	3.99%	4.00%	4.08%


Interest Bearing Liabilities:
Deposits	0.76%	0.72%	0.71%	0.70%	0.73%	0.75%	0.75%	0.73%
Borrowings	0.99%	1.03%	1.01%	0.93%	0.90%	0.93%	0.96%	0.89%
Total Interest Bearing Liabilities	0.85%	0.83%	0.80%	0.78%	0.80%	0.82%	0.82%	0.79%

Rate Spread	2.95%	3.00%	3.06%	3.11%	3.03%	3.17%	3.18%	3.29%

Net Interest Margin (3)	3.04%	3.09%	3.15%	3.20%	3.12%	3.27%	3.28%	3.38%

Net Interest Margin without Tax Equivalent Adjustments	2.91%	2.95%	3.01%	3.07%	2.99%	3.14%	3.15%	3.25%

(1) For purposes of these computations, non-accrual loans are included in average loans.

(2) For purposes of these computations, unrealized gains (losses) on available-for-sale securities are recorded in other assets.

(3) For purposes of these computations, net interest income and net interest margin are reported on a tax-equivalent basis.

Interest and Dividend Income: For the three months ended June 30, 2016, total interest and dividend income on a tax-equivalent basis amounted to $14,880, compared with $13,923 in the second quarter of 2015, representing an increase of $957, or 6.9%. The increase in interest and dividend income was principally attributed to average earning asset growth of $116,530, or 8.0%, as the weighted average earning asset yield declined three basis points to 3.80%.

For the three months ended June 30, 2016, total tax-equivalent interest income from the securities portfolio amounted to $4,367, compared with $4,121 in the second quarter of 2015, representing an increase of $246, or 6.0%. The increase in interest income from securities was principally attributed to a $39,426, or 8.2%, increase in total average securities, which was partially offset by a six basis point decline in the weighted average securities yield to 3.37%. The decline in the weighted average securities yield was principally attributed to the ongoing replacement of MBS cash flows as well as incremental securities growth in a historically low interest rate environment.

For the three months ended June 30, 2016, total tax-equivalent interest income from the loan portfolio amounted to $10,308, compared with $9,707 in the second quarter of 2015, representing an increase of $601, or 6.2%. The increase in interest income from loans was principally attributed to a $74,948, or 7.9% increase in the average loan portfolio, which was partially offset by a five basis point decline in the weighted average loan yield to 4.03%. The decline in the weighted average loan yield principally reflected the origination and competitive re-pricing of certain commercial loans, as well as residential mortgage loan origination and refinancing activity, during a period of still-historically low interest rates. Partially offsetting the foregoing considerations was the increase in the Fed Funds rate in December 2015, which favorably impacted the yield on the Bank’s variable rate loan portfolios.

For the six months ended June 30, 2016, total interest and dividend income on a tax-equivalent basis amounted to $29,581, compared with $27,907 in the first half of 2015, representing an increase of $1,674, or 6.0%. The increase in interest and dividend income was principally attributed to average earning asset growth of $120,146, or 8.3%, as the weighted average earning asset yield declined ten basis points to 3.81%.

For the six months ended June 30, 2016, total tax-equivalent interest income from the securities portfolio amounted to $8,750, compared with $8,274 in the first half of 2015, representing an increase of $476, or 5.8%. The increase in interest income from securities was principally attributed to a $42,110, or 8.9%, increase in total average securities, which was partially offset by a twelve basis point decline in the weighted average securities yield to 3.41%. The decline in the weighted average securities yield was principally attributed to the ongoing replacement of MBS cash flows as well as incremental securities growth in a historically low interest rate environment.

For the six months ended June 30, 2016, total tax-equivalent interest income from the loan portfolio amounted to $20,450, compared with $19,446 in the first half of 2015, representing an increase of $1,004, or 5.2%. The increase in interest income from loans was principally attributed to a $76,531, or 8.1% increase in the average loan portfolio, which was partially offset by a twelve basis point decline in the weighted average loan yield to 4.03%. The decline in the weighted average loan yield principally reflected the origination and competitive re-pricing of certain commercial loans, as well as residential mortgage loan origination and refinancing activity, during a period of still-historically low interest rates. Partially offsetting the foregoing considerations was the increase in the Fed Funds rate in December 2015, which favorably impacted the yield on the Bank’s variable rate loan portfolios.

Interest Expense: For the three months ended June 30, 2016, total interest expense amounted to $2,972, compared with $2,586 in the second quarter of 2015, representing an increase of $386, or 14.9%. The increase in interest expense was principally attributed to a $99,868 or 7.7% increase in total average interest bearing liabilities and, to a lesser extent, a five basis point increase in the weighted average cost of interest bearing liabilities to 0.85%, compared with the second quarter of 2015.

The increase in the weighted average cost of interest bearing liabilities compared with the second quarter of 2015 was principally attributed to a higher weighted average rate on borrowings, largely reflecting the December 2015 Fed Funds increase by the Federal Reserve. For the three months ended June 30, 2016, the total weighted average cost of interest bearing liabilities amounted to 0.85%, compared with 0.80% in the second quarter of 2015. The weighted average cost of borrowed funds increased nine basis points to 0.99%, while the weighted average cost of interest bearing deposits increased three basis points to 0.76%, compared with the second quarter of 2015.

For the six months ended June 30, 2016, total interest expense amounted to $5,800, compared with $5,121 in the first half of 2015, representing an increase of $679, or 13.3%. The increase in interest expense was principally attributed to a $107,243, or 8.4% increase in total average interest bearing liabilities and, to a lesser extent, a three basis point increase in the weighted average cost of interest bearing liabilities to 0.84%, compared with the first half of 2015.

The increase in the weighted average cost of interest bearing liabilities compared with the first half of 2015 was principally attributed to a higher weighted average rate on borrowings, largely reflecting the December 2015 Fed Funds increase by the Federal Reserve. For the six months ended June 30, 2016, the total weighted average cost of interest bearing liabilities amounted to 0.84%, compared with 0.81% in the first half of 2015. The weighted average cost of borrowed funds increased ten basis points to 1.01%, while the weighted average cost of interest bearing deposits remained unchanged at 0.74%, compared with the first half of 2015.

Rate/Volume Analysis: The following tables set forth a summary analysis of the relative impact on net interest income of changes in the average volume of interest earning assets and interest bearing liabilities, and changes in average rates on such assets and liabilities. The income from tax-exempt assets has been adjusted to a fully tax equivalent basis, thereby allowing uniform comparisons to be made. Because of the numerous simultaneous volume and rate changes during the periods analyzed, it is not possible to precisely allocate changes to volume or rate. For presentation purposes, changes which are not solely due to volume changes or rate changes have been allocated to these categories in proportion to the relationships of the absolute dollar amounts of the change in each.

ANALYSIS OF VOLUME AND RATE CHANGES ON NET INTEREST INCOME

THREE MONTHS ENDED JUNE 30, 2016 and 2015

INCREASES (DECREASES) DUE TO:


	Average	Average	Total
	Volume	Rate	Change

Loans (1,3)	$ 763	$(162)	$601
Securities (2,3)	337	(91)	246
Federal Home Loan Bank stock	9	101	110
TOTAL EARNING ASSETS	$1,109	$(152)	$957

Interest bearing deposits	76	63	139
Borrowings	132	115	247
TOTAL INTEREST BEARING LIABILITIES	$ 208	$ 178	$386

NET CHANGE IN NET INTEREST INCOME	$ 901	$(330)	$571

(1) For purposes of these computations, non-accrual loans are included in average loans.

(2) For purposes of these computations, unrealized gains (losses) on available-for-sale securities are recorded in other assets.

(3) For purposes of these computations, interest income is reported on a tax-equivalent basis.

ANALYSIS OF VOLUME AND RATE CHANGES ON NET INTEREST INCOME

SIX MONTHS ENDED JUNE 30, 2016 and 2015

INCREASES (DECREASES) DUE TO:


	Average	Average	Total
	Volume	Rate	Change

Loans (1,3)	$1,576	$(572)	$1,004
Securities (2,3)	736	(260)	476
Federal Home Loan Bank stock	13	179	192
TOTAL EARNING ASSETS	$2,325	$(653)	$1,672

Interest bearing deposits	261	2	263
Borrowings	165	251	416
TOTAL INTEREST BEARING LIABILITIES	$ 426	$ 253	$ 679

NET CHANGE IN NET INTEREST INCOME	$1,899	$(906)	$ 993

(1) For purposes of these computations, non-accrual loans are included in average loans.

(2) For purposes of these computations, unrealized gains (losses) on available-for-sale securities are recorded in other assets.

(3) For purposes of these computations, interest income is reported on a tax-equivalent basis.

Provision for Loan Losses

The provision for loan losses (the “provision”) reflects the amount necessary to maintain the allowance for loan losses at a level that, in management’s judgment, is appropriate for the amount of inherent risk of probable loss in the Bank’s current loan portfolio.

The overall credit quality of the Bank’s loan portfolio remained stable during the six months ended June 30, 2016, highlighted by a $1,445, or 20.8%, decline in non-performing loans. Total non-performing loans expressed as a percentage of total loans ended the quarter at 0.53%, down from 0.71% at December 31, 2015. Similarly, the allowance for loan losses expressed as a ratio to non-performing loans ended the quarter at 178.1%, up from 134.7% at December 31, 2015. For the six months ended June 30, 2016, total net loan charge-offs amounted to $163, or annualized net charge-offs to average loans outstanding of 0.03%, compared with $765 and 0.16%, respectively, compared with the six months ended June 30, 2015.

For the three and six months ended June 30, 2016, the Bank recorded provisions of $150 and $615, compared with $400 and $895 for the same periods in 2015, representing declines of $250 and $280, or 62.5% and 31.3%, respectively.

Refer below to Item 2 of this Part I, Financial Condition, Loans, Non-Performing Loans, Potential Problem Loans and Allowance for Loan Losses, in this report on Form 10-Q for further discussion and analysis related to the provision for loan losses.

Non-interest Income

For the three and six months ended June 30, 2016, total non-interest income amounted to $3,614 and $6,942, compared with $2,503 and $4,845 for the same periods in 2015, representing increases of $1,111 and $2,097, or 44.4% and 43.3%, respectively.

Factors contributing to the changes in non-interest income are enumerated in the following discussion and analysis.

Trust and Other Financial Services: Income from trust and other financial services is principally derived from fee income based on a percentage of the fair market value of client assets under management and held in custody with Bar Harbor Trust Services, the Company’s second tier non-depository trust company subsidiary, and, to a lesser extent, revenue from brokerage services conducted through Bar Harbor Financial Services, an independent third-party broker.

For the three and six months ended June 30, 2016, trust and other financial service fees amounted to $955 and $1,903, compared with $985 and $1,930 for the same periods in 2015, representing declines of $30 and $27, or 3.0% and 1.4%, respectively. The foregoing declines largely reflected lower levels of retail brokerage activity as well as broad declines and volatility in the equity markets.

Service Charges on Deposit Accounts: Service charges on deposits are principally derived from customer overdraft fees. For the three months ended June 30, 2016, income from service charges on deposit accounts amounted to $252, compared with $255 in the second quarter of 2015, representing a decline of $3, or 1.2%. For the six months ended June 30, 2016, service charges on deposits amounted to $463, compared with $453 in the first half of 2015, representing an increase of $10, or 2.2%. The Bank has not been aggressive in selling its fee based overdraft products as a cautionary measure in light of continued regulatory pressure on the banking industry including the Consumer Financial Protection Bureau, which was established by the Wall Street Reform and Consumer Protection Act (the “Dodd – Frank Act”).

Debit Card Service Charges and Fees: For the three and six months ended June 30, 2016, income generated from debit card service charges and fees amounted to $430 and $830, compared with $402 and $768 for the same periods in 2015, representing increases of $28 and $62, or 7.0% and 8.1%, respectively. These increases were attributed to continued growth of the Bank’s retail deposit base and continued success with a program that offers rewards for certain debit card transactions.

Net Securities Gains: For the three and six months ended June 30, 2016, the Bank recorded realized securities gains of $1,699 and $3,135, compared with $587 and $1,206 for the same periods in 2015, representing increases of $1,112 and $1,929, or 189.4% and 160.0%, respectively. During the first half of 2016 long term interest rates declined to near record lows providing a meaningful opportunity to realize attractive securities gains while continuing a strategy of lowering the duration of the securities portfolio and the Bank’s overall interest rate risk profile.

Other Operating Income: Other operating income principally includes income from bank-owned life insurance, representing increases in the cash surrender value of life insurance policies on the lives of certain current and retired employees who had provided positive consent allowing the Bank to be the beneficiary of such policies. Other operating income also includes a variety of miscellaneous service charges and fees including fees for non-customer ATM transactions.

For the three and six months ended June 30, 2016, total other operating income amounted to $278 and $611, compared with $274 and $488 for the same periods in 2015, representing increases of $4 and $123, or 1.5% and 25.2%, respectively. The increase in other operating income was almost entirely attributed to the Bank’s purchase of additional Bank Owned Life Insurance (“BOLI”) late in the first quarter of 2015. Further information regarding BOLI is incorporated by reference to the below Financial Condition management discussion and analysis covering Bank Owned Life Insurance in this report on Form 10-Q.

Non-interest Expense

For the three and six months ended June 30, 2016, total non-interest expense amounted to $8,731 and $16,728, compared with $7,601 and $14,934 for the same periods in 2015, representing increases of $1,130 and $1,794, or 14.9% and 12.0%, respectively.

Factors contributing to the changes in non-interest expense are more fully enumerated in the following discussion and analysis.

Salaries and Employee Benefits: For the three and six months ended June 30, 2016, total salaries and employee benefits expense amounted to $4,799 and $9,816, compared with $4,269 and $8,621 for the same periods in 2015, representing increases of $530 and $1,195, or 12.4% and 13.9%, respectively. The increases in salaries and employee benefits were attributed to a variety of factors including normal increases in base salaries and higher levels of employee health insurance, higher levels of employee incentive and equity compensation, as well as increases in staffing levels and strategic changes in staffing mix. Additionally, over the past year the Company strengthened its risk management and information technology staff resources in anticipation of future growth.

Debit Card Expenses: These expenses relate to the Bank’s Visa debit card processing activities. For the three and six months ended June 30, 2016, total debit card expense amounted to $120 and $237, compared with $112 and $208 for the same periods in 2015, representing increases of $8 and $29, or 7.1% and 13.9%, respectively. These increases were principally attributed to higher transaction volumes and were more than offset with higher revenues from debit card activity.

Other Operating Expenses: For the three and six months ended June 30, 2016, total other operating expenses amounted to $2,442 and $3,930, compared with $1,863 and $3,402 for the same periods in 2015, representing increases of $579 and $528, or 31.1% and 15.5%, respectively. Included in second quarter and year-to-date other operating expense was $492 in non-recurring expenses related to the LSBG acquisition, largely legal and other professional fees.

Efficiency Ratio

The Company’s efficiency ratio measures the relationship of operating expenses to revenues. The efficiency ratio is calculated by dividing non-interest operating expenses divided by the sum of tax-equivalent income other than net securities gains, and other significant non-recurring expenses. For the three and six months ended June 30, 2016, the Company’s efficiency ratios amounted to 58.8% and 58.0%, compared with 56.5% and 55.8% for the same periods in 2015, respectively.

FINANCIAL CONDITION

Total Assets

The Company’s assets principally consist of loans and securities, which at June 30, 2016 represented 62.2% and 31.6%, respectively, of total assets, compared with 62.7% and 32.0%, respectively, at December 31, 2015.

At June 30, 2016, the Company’s total assets stood at $1,687,549, compared with $1,580,055 at December 31, 2015, representing an increase of $107,494, or 6.8%.

Securities

The securities portfolio is comprised of mortgage-backed securities (“MBS”) issued by U.S. Government agencies, U.S. Government sponsored enterprises and, to a much lesser extent, other non-agency, private label issuers. The portfolio also includes tax-exempt obligations of state and political subdivisions.

Management considers securities as a relatively attractive means to effectively leverage the Bank’s strong capital position, as securities are typically assigned significantly lower risk weightings compared with the Bank’s other earning assets for the purpose of calculating the Bank’s and the Company’s risk-based capital ratios. The overall objectives of the Company’s strategy for the securities portfolio include maintaining appropriate liquidity reserves, diversifying earning assets, managing interest rate risk, leveraging the Company’s strong capital position, and generating acceptable levels of net interest income.

Securities available for sale represented 100% of total securities at June 30, 2016, and December 31, 2015. Securities available for sale are reported at their fair value with unrealized gains or losses, net of taxes, excluded from earnings but shown separately as a component of shareholders’ equity. As of June 30, 2016, total net unrealized securities gains amounted to $17,408, compared with net unrealized gains of $8,790 at December 31, 2015. The increase in unrealized gains was attributed to market interest rates, which declined to near record lows at the end of the current quarter.

Total Securities: At June 30, 2016, total securities amounted to $532,590, compared with $504,969 at December 31, 2015, representing an increase of $27,621, or 5.5%. The securities purchased during the first quarter consisted of MBS issued and guaranteed by U.S. Government agencies and sponsored-enterprises, as well as obligations of states and political subdivisions thereof (municipal securities).

The following tables summarize the securities available for sale portfolio as of June 30, 2016 and December 31, 2015:


June 30, 2016 Available for Sale:	Amortized Cost	Gross Unrealized Gains	Gross Unrealized Losses	Estimated Fair Value

Mortgage-backed securities:
US Government-sponsored enterprises	$323,684	$ 9,693	$ 397	$332,980
US Government agency	80,472	1,993	97	82,368
Private label	1,128	218	19	1,327
Obligations of states and political subdivisions thereof	109,898	6,108	91	115,915
Total	$515,182	$18,012	$ 604	$532,590


December 31, 2015 Available for Sale:	Amortized Cost	Gross Unrealized Gains	Gross Unrealized Losses	Estimated Fair Value

Mortgage-backed securities:
US Government-sponsored enterprises	$304,106	$ 5,042	$2,155	$306,993
US Government agency	78,408	1,269	547	79,130
Private label	2,713	762	11	3,464
Obligations of states and political subdivisions thereof	110,952	4,758	328	115,382
Total	$496,179	$11,831	$3,041	$504,969

Impaired Securities: The securities portfolio contains certain securities where amortized cost exceeds fair value, which June 30, 2016, amounted to an excess of $604, or 0.1% of the amortized cost of the total securities portfolio. At December 31, 2015 this amount represented an excess of $3,041, or 0.6% of the amortized cost of the total securities portfolio. As of June 30, 2016, unrealized losses on securities in a continuous unrealized loss position more than twelve-months amounted to $336, compared with $1,161 at December 31, 2015.

As a part of the Company’s ongoing security monitoring process, the Company identifies securities in an unrealized loss position that could potentially be other-than-temporarily impaired (“OTTI”). If a decline in the fair value of an available for sale security is judged to be OTTI, a charge is recorded in pre-tax earnings equal to the estimated credit losses inherent in the security.

Further information regarding impaired securities, OTTI securities and evaluation of securities for impairment is incorporated by reference to above Note 5 under the caption “Other Than Temporary Impairments on Investment Securities” of the interim unaudited consolidated financial statements in Part I, Item 1 of this report on Form 10-Q.

Loans

Total Loans: At June 30, 2016, total loans stood at $1,049,022, compared with $990,070 at December 31, 2015, representing an increase of $58,952, or 6.0%.

The loan portfolio is primarily secured by real estate in the counties of Hancock, Washington, Knox, Kennebec and Sagadahoc, Maine.

The following table summarizes the components of the Bank's loan portfolio as of the dates indicated.

LOAN PORTFOLIO SUMMARY


	June 30,	December 31,
	2016	2015

Commercial real estate mortgages	$ 390,033	$371,002
Commercial and industrial	80,749	79,911
Commercial construction and land development	25,467	24,926
Agricultural and other loans to farmers	33,081	31,003
Total commercial loans	529,330	506,842

Residential real estate mortgages	446,933	408,401
Home equity loans	49,330	51,530
Other consumer loans	6,946	7,949
Total consumer loans	503,209	467,880

Tax exempt loans	16,352	15,244

Net deferred loan costs and fees	131	104
Total loans	1,049,022	990,070
Allowance for loan losses	(9,891)	(9,439)
Total loans net of allowance for loan losses	$1,039,131	$980,631

Commercial Loans: At June 30, 2016, total commercial loans stood at $529,330, compared with $506,842 at December 31, 2015, representing an increase of $22,488, or 4.4%.

Commercial loan growth has generally been challenged by a still-soft economy, continued economic uncertainty, diminished demand, and strong competition for quality loans. Bank management attributes the growth of commercial loans to an effective business banking team, deep local market knowledge, sustained new business development efforts, and a resilient local economy that has been faring better than the nation as a whole.

Consumer Loans: At June 30, 2016, total consumer loans, which principally consisted of residential real estate mortgage loans, amounted to $503,209, compared with $467,880 at December 31, 2015, representing an increase of $35,329, or 7.6%. The increase in consumer loans compared with year-end 2015 was aided by the purchase of residential mortgage loans. Loans that were originated and closed by the Bank during the first half of 2016 were largely offset by loan re-financings and scheduled principal amortization from the existing residential real estate loan portfolio.

Credit Risk: Credit risk is managed through loan officer authorities, loan policies, and oversight from the Bank’s Chief Credit Officer, the Bank's Management Loan Committee, the Board Risk Committee, and the Bank's Board of Directors. Management follows a policy of continually identifying, analyzing and grading credit risk inherent in the loan portfolio. An ongoing independent review, subsequent to management's review, of individual credits is performed by an independent loan review consulting firm, which reports to the Audit Committee of the Board of Directors.

As a result of management’s ongoing review of the loan portfolio, loans are placed on non-accrual status, either due to the delinquent status of principal and/or interest, or a judgment by management that, although payments of principal and or interest are current, such action is prudent because collection in full of all outstanding principal and interest is in doubt. Loans are generally placed on non-accrual status when principal and or interest is 90 days overdue, or sooner, if judged appropriate by management. Consumer loans are generally charged-off when principal and/or interest payments are 120 days overdue, or sooner, if judged appropriate by management.

Non-performing Loans: Non-performing loans include loans on non-accrual status and loans past due 90 days or more and still accruing interest. The following table sets forth the details of non-performing loans as of the dates indicated:

TOTAL NON-PERFORMING LOANS


	June 30, 2016	December 31, 2015

Commercial real estate mortgages	$1,087	$1,279
Commercial and industrial loans	190	292
Commercial construction and land development	813	1,111
Agricultural and other loans to farmers	---	16
Total commercial loans	2,090	2,698

Residential real estate mortgages	3,157	3,452
Home equity loans	134	820
Other consumer loans	91	10
Total consumer loans	3,382	4,282

Total non-accrual loans	5,472	6,980
Accruing loans contractually past due 90 days or more	81	28
Total non-performing loans	$5,553	$7,008

Allowance for loan losses to non-performing loans	178.1%	134.7%
Non-performing loans to total loans	0.53%	0.71%
Allowance to total loans	0.94%	0.95%

At June 30, 2016, total non-performing loans amounted to $5,553, compared with $7,008 at December 31, 2015, representing a decline of $1,455, or 20.8%.

Non-performing commercial real estate mortgages totaled $1,087 at June 30, 2016, representing a decline of $192, or 15.0%, compared with December 31, 2015. At June 30, 2016, non-performing commercial real estate mortgages were represented by ten business relationships, with outstanding balances ranging from $31 to $285.

Non-performing commercial and industrial loans totaled $190 at June 30, 2016, representing a decline of $102, or 34.9%, compared with December 31, 2015. At June 30, 2016, non-performing commercial and industrial loans were represented by two business relationships, with outstanding balances ranging from less than $20 to $170.

Non-performing commercial construction and land development loans totaled $813 at June 30, 2016, representing a decline of $298, or 26.8%, compared with December 31, 2015. At June 30, 2016, non-performing commercial construction and land development loans were entirely represented by a commercial real estate loan to a local, non-profit affordable housing authority in support of an affordable housing project. This loan is

principally secured by the housing units from the project. The project is fully constructed and there is no construction risk associated with the loan. The primary source of repayment is the sale of the remaining housing units.

Non-performing residential real estate mortgages totaled $3,157 at June 30, 2016, representing a decline of $295, or 8.5%, compared with December 31, 2015. At June 30, 2016, non-performing residential real estate loans were represented by 38, conventional, 1-4 family mortgage loans, with outstanding balances ranging from $11 to $472.

Non-performing home equity loans totaled $134 at June 30, 2016, representing a decline of $686, or 83.7%, compared with December 31, 2015. At June 30, 2016, non-performing home equity loans were represented by seven relationships with outstanding balances ranging from $10 to $44.

While the level and mix of non-performing loans continued to reflect favorably on the overall quality of the Bank’s loan portfolio as of June 30, 2016, Bank management is cognizant of the still-recovering real estate market and soft economic conditions overall. Future levels of non-performing loans may be influenced by economic conditions, including the impact of those conditions on the Bank’s customers, including debt service levels, collateral values, tourism activity, consumer confidence and other factors existing at the time. Management believes the economic activity and conditions in the local real estate markets will continue to be significant determinants of the quality of the loan portfolio in future periods and, thus, the Company’s results of operations and financial condition.

Delinquencies and Potential Problem Loans: In addition to the non-performing loans discussed above, the Bank also has loans that are 30 to 89 days delinquent and still accruing. These loans amounted to $4,402 and $1,857 at June 30, 2016 and December 31, 2015, or 0.42% and 0.19% of total loans, respectively, net of any loans classified as non-performing that are within these delinquency categories. These loans and delinquency trends in general are considered in the evaluation of the allowance for loan losses and the related determination of the provision for loan losses.

Periodically, the Bank reviews the commercial loan portfolio for evidence of potential problem loans. Potential problem loans are loans that are currently performing in accordance with contractual terms, but where known information about possible credit problems of the borrower causes doubt about the ability of the borrower to comply with the loan payment terms and may result in disclosure of such loans as non-performing at some time in the future.

In addition to the non-performing and delinquent loans discussed above, at June 30, 2016, the Bank identified 32 commercial relationships totaling $16,798 as potential problem loans, or 1.6% of total loans (i.e., substandard loans that are current and performing). At December 31, 2015, the Bank identified 32 commercial relationships totaling $19,774 as potential problem loans, or 2.0% of total loans. Factors such as payment history, value of supporting collateral, and personal or government guarantees led the Bank to conclude that the current risk exposure on these potential problem loans did not warrant accounting for the loans as non-performing. Although in a performing status as of quarter-end, these loans exhibited certain risk factors, which have the potential to cause them to become non-performing at some point in the future.

Allowance for Loan Losses: At June 30, 2016, the allowance for loan losses (the “allowance”) stood at $9,891, compared with $9,439 at December 31, 2015, representing an increase of $452, or 4.8%. The increase in the allowance from December 31, 2015 was largely attributed to loan growth, changes in the overall mix of non-performing and potential problem loans, and other qualitative considerations.

The allowance is available to absorb probable losses on loans. The determination of the adequacy of the allowance and provisioning for estimated losses is evaluated quarterly based on review of loans, with particular emphasis on non-performing and other loans that management believes warrant special consideration.

The allowance is maintained at a level that, in management’s judgment, is appropriate for the amount of risk inherent in the current loan portfolio, and adequate to provide for estimated, probable losses. Allowances are established for specific impaired loans, a pool of reserves based on historical net loan charge-offs by loan types, and supplemental reserves that adjust historical net loss experience to reflect current economic conditions, industry specific risks, and other qualitative and environmental considerations impacting the inherent risk of loss in the current loan portfolio.

Specific allowances for impaired loans are determined based upon a discounted cash flows analysis, or as appropriate, a collateral shortfall analysis. The amount of collateral dependent impaired loans totaled $2,769 as of June 30, 2016, compared with $1,999 as of December 31, 2015. The related allowances for loan losses on these loans amounted to $307 as of June 30, 2016, compared with $312 as of December 31, 2015.

Management recognizes that early and accurate recognition of risk is the best means to reduce credit losses. The Bank employs a comprehensive risk management structure to identify and manage the risk of loss. For consumer loans, the Bank identifies loan delinquency beginning at 10-day delinquency and provides appropriate follow-up by written correspondence or personal contact. Non-residential mortgage consumer loan losses are recognized no later than the point at which a loan is 120 days past due. Residential mortgage losses are recognized during the foreclosure process, or sooner, when that loss is quantifiable and reasonably assured. For commercial loans, the Bank applies a risk grading system, which stratifies the portfolio and allows management to focus appropriate efforts on the highest risk components of the portfolio. The risk grades include ratings that correlate substantially with regulatory definitions of “Pass,” “Other Assets Especially Mentioned,” “Substandard,” “Doubtful,” and “Loss.”

The following table details changes in the allowance and summarizes loan loss experience by loan type for the six months ended June 30, 2016 and 2015.

ALLOWANCE FOR LOAN LOSSES

SIX MONTHS ENDED

JUNE 30, 2016 AND 2015


	2016	2015

Balance at beginning of period	$9,439	$8,969
Charge-offs:
Commercial real estate mortgages	34	206
Commercial and industrial	90	288
Commercial construction and land development	---	---
Agricultural and other loans to farmers	---	18
Residential real estate mortgages	122	70
Other consumer loans	17	25
Home equity loans	---	351
Tax exempt loans	---	---
Total charge-offs	263	958

Recoveries:
Commercial real estate mortgages	13	$ 39
Commercial and industrial loans	4	2
Commercial construction and land development	---	---
Agricultural and other loans to farmers	40	12
Residential real estate mortgages	28	129
Other consumer loans	13	11
Home equity loans	2	---
Tax exempt loans	---	---
Total recoveries	100	193

Net charge-offs	163	765
Provision charged to operations	615	895
Balance at end of period	$9,891	$9,099

For the six months ended June 30, 2016, total net loan charge-offs amounted to $163, or annualized net charge-offs to average loans outstanding of 0.03%, compared with $765 and 0.16%, respectively, for the first half of 2015.

General allowances for loan losses account for the risk and estimated loss inherent in certain pools of industry and geographic loan concentrations within the loan portfolio. There were no material changes in loan concentrations during the six months ended June 30, 2016.

Based upon the process employed and giving recognition to all attendant factors associated with the loan portfolio, Company management believes the allowance for loan losses at June 30, 2016 is appropriate for the amount of risk inherent in the current loan portfolio and adequate to provide for estimated probable losses.

Further information regarding loans and the allowance for loan losses, is incorporated by reference to above Note 8, Loans and Allowance for Loan Losses, of the interim unaudited consolidated financial statements in Part I, Item 1 of this report on Form 10-Q.

Bank Owned Life Insurance

Bank-owned life insurance (“BOLI”) represents life insurance on the lives of certain current and retired employees who had provided positive consent allowing the Bank to be the beneficiary of such policies. Increases in the cash value of the policies, as well as insurance proceeds received in excess of the cash value, are recorded in other non-interest income, and are not subject to income taxes. The cash surrender value of the BOLI is included on the Company’s consolidated balance sheet.

The Company reviews the financial strength of the insurance carrier prior to the purchase of BOLI and quarterly thereafter. At June 30, 2016, the Bank had four BOLI carriers which were credit rated by Standard & Poor’s as “AA-” or higher (i.e., “high grade investments”).

At June 30, 2016, total BOLI amounted to $24,131, compared with $23,747 at December 31, 2015, representing an increase of $384, or 1.6%. The increase in BOLI was attributed to increases in the cash surrender value of the BOLI policies.

Deposits

Historically, the banking business in the Bank’s market area has been seasonal, with lower deposits in the winter through late spring and higher deposits in summer and autumn. These seasonal swings have been fairly predictable and have not had a materially adverse impact on the Bank. Seasonal swings in deposits have been typically absorbed by the Bank’s strong liquidity position, including borrowing capacity from the FHLB of Boston, brokered certificates of deposit obtained from the national market and cash flows from the securities portfolio.

At June 30, 2016, total deposits stood at $989,816, compared with $942,787 at December 31, 2015, representing an increase of $47,029, or 5.0%. The Bank’s non-maturity deposit accounts posted a combined seasonal decline of $13,100, or 2.4%, while total time deposits increased $60,129, or 15.2%, compared with December 31, 2015. The increase in time deposits was attributed to deposits obtained from the national market, which were utilized to replace seasonal deposit outflows as well as funding earning asset growth.

Borrowed Funds

Borrowed funds principally consist of advances from the FHLB of Boston (the “FHLB”) and, to a lesser extent, securities sold under agreements to repurchase and Fed funds purchased. Advances from the FHLB are secured by stock in the FHLB, investment securities, blanket liens on qualifying mortgage loans and home equity loans, and certain commercial real estate loans.

The Bank utilizes borrowed funds to leverage its strong capital position and support its earning asset portfolios. Borrowed funds are principally utilized to support the Bank’s investment securities portfolio and, to a lesser extent, fund loan growth. Borrowed funds also provide a means to help manage balance sheet interest rate risk, given the Bank’s ability to select desired amounts, terms and maturities on a daily basis.

At June 30, 2016, total borrowings amounted to $525,102, compared with $474,791 at December 31, 2015, representing an increase of $50,311, or 10.6%. The increase in borrowings was utilized to help support earning asset growth as well as replacing seasonal deposit outflows.

Capital Resources

Consistent with its long-term goal of operating a sound and profitable organization, the Company maintained its strong capital position and continued to be a “well-capitalized” bank holding company according to applicable regulatory standards. Management believes this to be vital in promoting depositor and investor confidence and providing a solid foundation for future growth.

Capital Ratios: The Company and the Bank are subject to the risk-based capital guidelines administered by the Company’s and the Bank's principal regulators. The risk-based capital guidelines are designed to make regulatory capital requirements more sensitive to differences in risk profiles among banks and bank holding companies, to account for off-balance sheet exposure and to minimize disincentives for holding liquid assets. Under these guidelines, assets and off-balance sheet items are assigned to broad risk categories, each with appropriate weights. The resulting capital ratios represent capital as a percentage of risk-weighted assets and off-balance sheet items. Effective January 1, 2015, the Company and the Bank adopted the Basel III capital adequacy rules which, among other changes added a new risk-weighted capital measure Common Equity Tier I (“CETI”), as well as a phased in capital conservation buffer. For further information regarding the Basel III capital rules as they related to our Annual Report on Form 10-K, Item I, Supervision and Regulation, Capital Adequacy and Prompt Corrective Action. The new Basel III capital adequacy guidelines require all banks and bank holding companies to maintain minimum capital ratios of:

Common Equity Tier I of 5.125%

Total risk-based capital to risk-weighted assets of 8.625%

Tier I capital to total risk-weighted assets of 6.625%

Tier I capital to average assets (“Leverage Ratio”) of 4.0%

Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a material adverse effect on the Company's financial statements.

As depicted in the table below, as of June 30, 2016, the Company and the Bank were considered well-capitalized under the regulatory framework for prompt corrective action. Under the Basel III capital adequacy guidelines, a well-capitalized institution must maintain the following capital ratios:

Common Equity Tier I of 6.5%

Total risk-based capital to risk-weighted assets of 10.0%

Tier I capital to total risk-weighted assets of 8.0%

Tier I capital to average assets (“Leverage Ratio”) of 5.0%

The following tables set forth the Company's and the Bank’s regulatory capital at June 30, 2016 and December 31, 2015, under the rules applicable at that date.


	Well Capitalized		Actual		Adequately Capitalized Basel III		Adequately Capitalized Basel III Fully Phased-In
As of June 30, 2016	Amount	Ratio	Amount	Ratio	Amount	Ratio	Amount	Ratio
Total Capital
(To Risk-Weighted Assets)
Consolidated	N/A		$166,680	17.09%	$84,122	8.625%	$102,410	10.5%
Bank	$97,440	10.0%	$168,786	17.32%	$84,042	8.625%	$102,312	10.5%

Common Equity Tier 1
(To Risk-Weighted Assets)
Consolidated	N/A		$151,551	15.54%	$49,986	5.125%	$ 68,273	7.0%
Bank	$63,336	6.5%	$153,657	15.77%	$49,938	5.125%	$ 68,208	7.0%

Tier 1 Capital
(To Risk-Weighted Assets)
Consolidated	N/A		$151,551	15.54%	$64,616	6.625%	$ 82,903	8.5%
Bank	$77,952	8.0%	$153,657	15.77%	$64,554	6.625%	$ 82,824	8.5%

Leverage Capital Ratio
Total Capital
(To Total Assets for Leverage Ratio)
Consolidated	N/A		$151,551	9.21%	$65,855	4.000%	$ 65,855	4.0%
Bank	$82,277	5.0%	$153,657	9.34%	$65,822	4.000%	$ 65,822	4.0%



					Adequately Capitalized		Adequately Capitalized
					Basel III		Basel III
	Well Capitalized		Actual		Phase-In Schedule		Fully Phased-In
As of December 31, 2015	Amount	Ratio	Amount	Ratio	Amount	Ratio	Amount	Ratio
Total Capital
(To Risk-Weighted Assets)
Consolidated	N/A		$160,042	17.12%	$74,793	8.0%	$ 98,166	10.5%
Bank	$93,391	10.0%	$161,905	17.34%	$74,713	8.0%	$ 98,060	10.5%

Common Equity Tier 1
(To Risk-Weighted Assets)
Consolidated	N/A		$145,400	15.55%	$42,071	4.5%	$ 65,444	7.0%
Bank	$60,704	6.5%	$147,263	15.77%	$42,026	4.5%	$ 65,374	7.0%

Tier 1 Capital
(To Risk-Weighted Assets)
Consolidated	N/A		$145,400	15.55%	$56,095	6.0%	$ 79,468	8.5%
Bank	$74,713	8.0%	$147,263	15.77%	$56,035	6.0%	$ 79,382	8.5%

Leverage Capital Ratio
Total Capital
(To Total Assets for Leverage Ratio)
Consolidated	N/A		$145,400	9.37%	$62,087	4.0%	$ 62,087	4.0%
Bank	$77,563	5.0%	$147,263	9.49%	$62,050	4.0%	$ 62,050	4.0%

Trends, Events or Uncertainties: There are no known trends, events or uncertainties, nor any recommendations by any regulatory authority, that are reasonably likely to have a material effect on the Company’s capital resources, liquidity, or financial condition.

Cash Dividends: The Company's principal source of funds to pay cash dividends and support its commitments is derived from Bank operations.

The Company paid a regular cash dividend of 27.0 cents per share of common stock in the second quarter of 2016, representing an increase of 2.0 cents, or 8.0%, compared with the second quarter of 2015.

The Company's Board of Directors recently declared a third quarter 2016 regular cash dividend of 27.5 cents per share of Company common stock, representing an increase of 2.0 cents, or 7.8%, compared with the third quarter of 2015. The quarterly cash dividend is payable to all Company shareholders of record as of the close of business August 15, 2016, and will be paid on September 15, 2016. This represented the twenty-first consecutive quarter where the Company increased its quarterly cash dividend to shareholders.

Stock Repurchase Plan: In August 2008, the Company’s Board of Directors approved a program to repurchase up to 450,000 shares of the Company’s common stock, or approximately 10.2% of the shares then currently outstanding. The stock repurchase program became effective as of August 21, 2008, and was authorized to continue for a period of up to twenty-four consecutive months. In August of 2010, the Company’s Board of Directors authorized the continuance of this program through August 17, 2012. In August of 2012, the Company’s Board of Directors authorized the continuance of this program through August 17, 2014. In July of 2014, the Company’s Board of Directors authorized the continuance of this program through August 17, 2016. Depending on market conditions and other factors, these purchases may be commenced or suspended at any time, or from time to time, without prior notice and may be made in the open market or through privately negotiated transactions.

As of June 30, 2016, the Company had repurchased 173,363 shares of stock under this plan, at a total cost of $3,449 and an average price of $19.89 per share. During the six months ended June 30, 2016, the Company repurchased 14,950 shares under the plan. The Company records repurchased shares as treasury stock.

Off-Balance Sheet Arrangements

The Company is, from time to time, a party to certain off-balance sheet arrangements that have or are reasonably likely to have a current or future effect on the Company's financial condition, changes in financial condition, revenues or expenses, results of operations, liquidity, capital expenditures or capital resources, that may be considered material to investors.

Standby Letters of Credit: The Bank guarantees the obligations or performance of certain customers by issuing standby letters of credit to third parties. These letters of credit are sometimes issued in support of third party debt. The risk involved in issuing standby letters of credit is essentially the same as the credit risk involved in extending loan facilities to customers, and they are subject to the same origination, portfolio maintenance and management procedures in effect to monitor other credit products. The amount of collateral obtained, if deemed necessary by the Bank upon issuance of a standby letter of credit, is based upon management's credit evaluation of the customer.

At June 30, 2016 and December 31, 2015, commitments under existing standby letters of credit totaled $385. The fair value of the standby letters of credit was not significant as of the foregoing dates.

Off-Balance Sheet Risk

The Bank is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financial needs of its customers and to reduce its own exposure to fluctuations in interest rates. These financial instruments include commitments to extend credit and certain financial derivative instruments; namely, interest rate cap agreements.

Commitments to Extend Credit: Commitments to extend credit represent agreements by the Bank to lend to a customer provided there is no violation of any condition established in the contract. These commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of these commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each

customer's creditworthiness on a case-by-case basis using the same credit policies as it does for its balance sheet instruments, such as loans. The amount of collateral obtained, if deemed necessary by the Bank upon the issuance of commitment, is based on management's credit evaluation of the customer.

The following table summarizes the Bank’s commitments to extend credit as of June 30, 2016 and December 31, 2015:


	June 30, 2016	December 31, 2015

Commitments to originate loans	$ 25,047	$ 41,529
Unused lines of credit	93,974	97,283
Un-advanced portions of construction loans	24,180	12,719
Total	$143,201	$151,531

Financial Derivative Instruments: As part of its overall asset and liability management strategy, the Bank periodically uses derivative instruments to minimize significant unplanned fluctuations in earnings and cash flows caused by interest rate volatility. The Bank's interest rate risk management strategy involves modifying the re-pricing characteristics of certain assets and liabilities so that change in interest rates does not have a significant adverse effect on net interest income. Derivative instruments that management periodically uses as part of its interest rate risk management strategy include interest rate swap agreements, interest rate floor agreements, and interest rate cap agreements.

At June 30, 2016 and December 31, 2015, the Bank had four outstanding, off-balance sheet, derivative instruments. These derivative instruments were interest rate cap agreements, with notional principal amounts totaling $90,000. The notional amounts of the financial derivative instruments do not represent exposure to credit loss. The Bank is exposed to credit loss only to the extent the counter-party defaults in its responsibility to pay interest under the terms of the agreements. The credit risk in derivative instruments is mitigated by entering into transactions with highly-rated counterparties that management believes to be creditworthy and by limiting the amount of exposure to each counter-party. At June 30, 2016, the Bank’s derivative instrument counterparties were credit rated “AA” by the major credit rating agencies. The interest rate cap agreements were purchased by the Bank to limit its exposure to rising interest rates and were designated as cash flow hedges.

Further information covering the Bank’s derivative instruments is incorporated by reference to Part I, Item 1, Note 11 of the Consolidated Financial Statements in this Quarterly Report on Form 10-Q.

Liquidity

Liquidity is measured by the Company’s ability to meet short-term cash needs at a reasonable cost or minimal loss. The Company seeks to obtain favorable sources of liabilities and to maintain prudent levels of liquid assets in order to satisfy varied liquidity demands. Besides serving as a funding source for maturing obligations, liquidity provides flexibility in responding to customer-initiated needs. Many factors affect the Company’s ability to meet liquidity needs, including variations in the markets served by its network of offices, its mix of assets and liabilities, reputation and credit standing in the marketplace, and general economic conditions.

The Bank actively manages its liquidity position through target ratios established under its asset liability management policy. Continual monitoring of these ratios, both historical and through forecasts under multiple rate scenarios, allows the Bank to employ strategies necessary to maintain adequate liquidity. A portion of the Bank’s deposit base has been historically seasonal in nature, with balances typically declining in the winter months through late spring, during which period the Bank’s liquidity position tightens.

The Bank uses a basic surplus model to measure its liquidity over 30 and 90-day time horizons. The relationship between liquid assets and short-term liabilities that are vulnerable to non-replacement are routinely monitored. The Bank’s general policy is to maintain a liquidity position of 4% or higher of total assets over the 30-day horizon. At June 30, 2016, liquidity, as measured by the basic surplus/deficit model, was 10.0% over both the 30-day horizon and the 90-day horizon.

At June 30, 2016, the Bank had unused lines of credit and net unencumbered qualifying collateral availability to support its credit line with the FHLB of Boston approximating $221 million. The Bank also had capacity to borrow funds on a secured basis utilizing the Borrower-In-Custody (“BIC”) program and the Discount Window at the Federal Reserve Bank of Boston. At June 30, 2016, the Bank’s available secured line of credit at the Federal Reserve Bank of Boston stood at $142,953, or 8.5% of the Bank’s total assets. The Bank also has access to the national brokered deposit market, and periodically uses this funding source to bolster its on-balance sheet liquidity position.

The Bank maintains a liquidity contingency plan approved by the Bank’s Board of Directors. This plan addresses the steps that would be taken in the event of a liquidity crisis, and identifies other sources of liquidity available to the Company. The Company believes that the level of liquidity is sufficient to meet current and future funding requirements. However, changes in economic conditions, including consumer savings habits and availability or access to the brokered deposit market could potentially have a significant impact on the Company’s liquidity position.

Item 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Market risk is the risk of loss in a financial instrument arising from adverse changes in market rates/prices, such as interest rates, foreign currency exchange rates, commodity prices and equity prices. Interest rate risk is the most significant market risk affecting the Company. Other types of market risk do not arise in the normal course of the Company’s business activities.

Interest Rate Risk: Interest rate risk can be defined as an exposure to movement in interest rates that could have an adverse impact on the Bank's net interest income. Interest rate risk arises from the imbalance in the re-pricing, maturity and/or cash flow characteristics of assets and liabilities. Management's objectives are to measure, monitor and develop strategies in response to the interest rate risk profile inherent in the Bank's balance sheet. The objectives in managing the Bank's balance sheet are to preserve the sensitivity of net interest income to actual or potential changes in interest rates, and to enhance profitability through strategies that promote sufficient reward for understood and controlled risk.

The Bank's interest rate risk measurement and management techniques incorporate the re-pricing and cash flow attributes of balance sheet and off balance sheet instruments as they relate to current and potential changes in interest rates. The level of interest rate risk, measured in terms of the potential future effect on net interest income, is determined through the use of modeling and other techniques under multiple interest rate scenarios. Interest rate risk is evaluated in depth on a quarterly basis and reviewed by the Asset Liability Management Committee (“ALCO”) and the Bank’s Board of Directors.

The Bank's Asset Liability Management Policy, approved annually by the Bank’s Board of Directors, establishes interest rate risk limits in terms of variability of net interest income under rising, flat, and decreasing rate scenarios. It is the role of ALCO to evaluate the overall risk profile and to determine actions to maintain and achieve a posture consistent with policy guidelines.

The Bank utilizes an interest rate risk model widely recognized in the financial industry to monitor and measure interest rate risk. The model simulates the behavior of interest income and expense of all balance sheet and off-balance sheet instruments, under different interest rate scenarios together with a dynamic future balance sheet. Interest rate risk is measured in terms of potential changes in net interest income based upon shifts in the yield curve.

The interest rate risk sensitivity model requires that assets and liabilities be broken down into components as to fixed, variable, and adjustable interest rates, as well as other homogeneous groupings, which are segregated as to maturity and type of instrument. The model includes assumptions about how the balance sheet is likely to evolve through time and in different interest rate environments. The model uses contractual re-pricing dates for variable products, contractual maturities for fixed rate products, and product specific assumptions for deposit accounts, such as money market accounts, that are subject to re-pricing based on current market conditions. Re-pricing margins are also determined for adjustable rate assets and incorporated in the model. Investment securities and borrowings with call provisions are examined on an individual basis in each rate environment to estimate the likelihood of a call. Prepayment assumptions for mortgage loans and mortgage backed securities are developed from industry median estimates of prepayment speeds, based upon similar coupon ranges and seasoning. Cash flows and maturities are then determined, and for certain assets, prepayment assumptions are estimated under different interest rate scenarios. Interest income and interest expense are then simulated under several hypothetical interest rate conditions including:

A flat interest rate scenario in which current prevailing rates are locked in and the only balance sheet fluctuations that occur are due to cash flows, maturities, new volumes, and re-pricing volumes consistent with this flat rate assumption.

A 200 basis point rise or decline in interest rates applied against a parallel shift in the yield curve over a twelve-month period together with a dynamic balance sheet anticipated to be consistent with such interest rate changes.

Various non-parallel shifts in the yield curve, including changes in either short-term or long-term rates over a twelve-month horizon, together with a dynamic balance sheet anticipated to be consistent with such interest rate changes.

An extension of the foregoing simulations to each of two, three, four and five year horizons to determine the interest rate risk with the level of interest rates stabilizing in years two through five. Even though rates remain stable during this two to five year time period, re-pricing opportunities driven by maturities, cash flow, and adjustable rate products will continue to change the balance sheet profile for each of the rate conditions.

Changes in net interest income based upon the foregoing simulations are measured against the flat interest rate scenario and actions are taken to maintain the balance sheet interest rate risk within established policy guidelines.

The following table summarizes the Bank's net interest income sensitivity analysis as of June 30, 2016, over one and two-year horizons and under rising and declining interest rate scenarios. In light of the Federal Funds rate of 0.25% to 0.50% and the two-year U.S. Treasury Note of 0.63% on the date presented, the analysis incorporates a declining interest rate scenario of 100 basis points, rather than the 200 basis points, as would traditionally be the case.

INTEREST RATE RISK

CHANGE IN NET INTEREST INCOME FROM THE FLAT RATE SCENARIO

JUNE 30, 2016


	-100 Basis Points Parallel Yield Curve Shift	+200 Basis Points Parallel Yield Curve Shift
Year 1
Net interest income ($)	$ (192)	$ (409)
Net interest income (%)	-0.43%	-0.91%
Year 2
Net interest income ($)	$(3,449)	$(3,092)
Net interest income (%)	-7.65%	-6.86%

As more fully discussed below, the June 30, 2016, interest rate sensitivity modeling results indicate that the Bank’s balance sheet was moderately liability sensitive over the one and two-year horizons (i.e., moderately exposed to rising interest rates).

Assuming short-term and long-term interest rates decline 100 basis points from current levels (i.e., a parallel yield curve shift) and the Bank’s balance sheet structure and size remain at current levels, management believes net interest income will remain relatively stable over the one year horizon followed by a meaningful decline over the two-year horizon, as declining earning assets yields outpace reductions in funding costs. Should the yield curve steepen as rates fall, the model suggests that accelerated earning asset prepayments will slow, resulting in a more stabilized level of net interest income. Management anticipates that moderate to strong earning asset growth will be needed to meaningfully increase the Bank’s current level of net interest income should both long-term and short-term interest rates decline in parallel.

Assuming the Bank’s balance sheet structure and size remain at current levels and the Federal Reserve increases short-term interest rates by 200 basis points with the balance of the yield curve shifting in parallel with these increases, management believes net interest income will remain relatively stable over the one year horizon, followed by a meaningful decline over the two year horizon as increased funding costs outpace increases in earning asset yields. The interest rate sensitivity simulation model suggests that as interest rates rise, the Bank’s funding costs will initially re-price disproportionately with earning asset yields to a moderate degree. As funding costs begin to stabilize early in the third year of the simulation, the model suggests that the earning asset portfolios will continue to re-price at prevailing interest rate levels and cash flows from the Bank’s earning asset portfolios will be reinvested into higher yielding earning assets, resulting in a widening of spreads and a stabilization of net interest income over the three year horizon and beyond. Management believes moderate to strong earning asset growth will be necessary to meaningfully increase the current level of net interest income over the one-year and two-year horizons should short-term and long-term interest rates rise in parallel.

Interest rates plummeted during 2008 and have remained historically low ever since, as the global economy slowed at unprecedented levels, unemployment levels soared, delinquencies on all types of loans increased along with decreased consumer confidence and dramatic declines in housing prices. Management believes the most significant ongoing factor affecting market risk exposure and the impact on net interest income continues to be the slow and extended recovery from the severe nationwide recession and the U.S. Government’s extraordinary responses, including a variety of government stimulus programs and quantitative easing strategies.

The Federal Reserve has maintained short-term interest rates at historically low levels for an extended period of time, threatening net interest income. Net interest income exposure is also significantly affected by the shape and level of the U.S. Government securities and interest rate swap yield curve, and changes in the size and composition of the Bank’s loan, investment and deposit portfolios.

The preceding sensitivity analysis does not represent a Company forecast and should not be relied upon as being indicative of expected operating results. These hypothetical estimates are based upon numerous assumptions including: the nature and timing of interest rate levels and yield curve shape, prepayment speeds on loans and securities, deposit rates, pricing decisions on loans and deposits, reinvestment or replacement of asset and liability cash flows, and renegotiated loan terms with borrowers. While assumptions are developed based upon current economic and local market conditions, the Company cannot make any assurances as to the predictive nature of these assumptions including how customer preferences or competitor influences might change.

As market conditions vary from those assumed in the sensitivity analysis, actual results may also differ due to: prepayment and refinancing levels deviating from those assumed; the impact of interest rate change caps or floors on adjustable rate assets; the potential effect of changing debt service levels on customers with adjustable rate loans; depositor early withdrawals and product preference changes; and other such variables. The sensitivity analysis also does not reflect additional actions that the Bank’s SET and Board of Directors might take in responding to or anticipating changes in interest rates, and the anticipated impact on the Bank’s net interest income.

Item 4. CONTROLS AND PROCEDURES

Company management evaluated, with the participation of the Chief Executive Officer and Chief Financial Officer, the effectiveness of the Company's disclosure controls and procedures (as defined in Rules 13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934) as of the end of the period covered by this quarterly report. Based on such evaluation, the Chief Executive Officer and the Chief Financial Officer have concluded that the Company's disclosure controls and procedures are designed to ensure that information required to be disclosed by the Company in the reports it files or submits under

the Securities Exchange Act of 1934 is recorded, processed, summarized and reported within the time periods specified in the Securities and Exchange Commission's rules and regulations and are operating in an effective manner.

No change in the Company's internal control over financial reporting (as defined in Rules 13a-15(f) and 15(d)-15(f) under the Securities Exchange Act of 1934) occurred during the most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the Company's internal control over financial reporting.

PART II. OTHER INFORMATION

Item 1: Legal Proceedings

The Company and its subsidiaries are parties to certain ordinary routine litigation incidental to the normal conduct of their respective businesses, which in the opinion of management based upon currently available information will have no material adverse effect on the Company's consolidated financial statements.

Item 1A: Risk Factors

An investment in the Company’s common stock is subject to risk inherent to our business. We believe the risk factors identified in our Annual Report on Form 10-K for the year ended December 31, 2015, continue to represent the most significant risks to our future results of operations and financial condition. Additional risk factors that could also impact our future results of operations and financial condition include failure to complete the proposed LSBG Merger, the imposition of adverse regulatory conditions in connection with regulatory approval of the proposed LSBG Merger, disruption to the parties’ businesses as a result of the announcement and pendency of the LSBG Merger, the inability to realize expected cost savings or to implement integration plans and other adverse consequences associated with the LSBG Merger. Please refer to the Company’s risk factors listed in Part 1, Item 1A of the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2015

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

(a) None.

(b) None.


	(a)	(b)	(c )	(d)
Period	Total Number of Shares Purchased	Average Price Paid per Share	Total Number of Shares Purchased as Part of Publicly Announced Plans or Programs	Maximum Number of Shares that May Yet Be Purchased Under the Plans or Programs (1)

April 1-30, 2016	8,698	$33.32	8,698	276,637
May 1-31, 2016	---	---	---	276,637
June 1-30, 2016	---	---	---	276,637

Additional information regarding the Company's Stock Repurchase Plan is incorporated herein by reference to Part I, Item 2 of this Report on Form 10-Q under the captions, “Financial Condition,” “Capital Resources” and “Stock Repurchase Plan.”

Item 3: Defaults Upon Senior Securities

None.

Item 4: Mine Safety Disclosures

Not applicable.

Item 5: Other Information

None.

Item 6: Exhibits

The exhibits required to be furnished as part of this Quarterly Report on Form 10-Q are listed in the Exhibit Index hereto and are incorporated herein by reference.

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


	BAR HARBOR BANKSHARES (Registrant)

	/s/Curtis C. Simard

Date: August 8, 2016	Curtis C. Simard
	President & Chief Executive Officer

	/s/Gerald Shencavitz

Date: August 8, 2016	Gerald Shencavitz Executive Vice President, Chief Financial Officer & Principal Accounting Officer

Exhibit Index


2.1		Agreement and Plan of Merger, dated as of May 5, 2016, by and between Bar Harbor Bankshares and Lake Sunapee Bank Group (incorporated herein by reference to Exhibit 2.1 to Form 8-K filed with the Commission on May 9, 2016).

3.1		Articles of Incorporation, as amended to date (incorporated herein by reference to Form 10-Q, Part II, Item 6, Exhibit 3.1, filed with the Commission on November 5, 2015).

3.2		Bylaws, as amended to date (incorporated herein by reference to Form 8-K, Item 5.03, Exhibit 3.2, filed with the Commission on November 29, 2011).

4.1		Certificate of Designations, Fixed Rate Cumulative Perpetual Preferred Stock, Series A (incorporated herein by reference to Form 8-K, Exhibit 3.1, filed with the Commission on January 21, 2009).

4.2		4,177,285 number of estimated shares of Company common stock par value, $2.00 per share, to be issued upon completion of the LSBG Merger (incorporated herein by reference to Form S-4, filed with the Commission on July 19, 2016).

10.1*		Consulting Agreement with Interim Chief Financial Officer Bradford Kopp, (incorporated herein by reference to Exhibit 10.1 to Form 8-K filed with the Commission on June 16, 2016).

11.1		Statement re computation of per share earnings (data required by SFAS No. 128, Earnings Per Share, is provided in Note 6 to the consolidated financial statements in this report on Form 10-Q and incorporated herein by reference thereto).

31.1		Certification of the Chief Executive Officer under Rule 13a-14(a)/15d-14(a) (filed herewith).

31.2		Certification of the Chief Financial Officer under Rule 13a-14(a)/15d-14(a) (filed herewith).

32.1		Certification of Chief Executive Officer under 18 U.S.C. Section 1350 (furnished herewith).

32.2		Certification of Chief Financial Officer under 18 U.S.C. Section 1350 (furnished herewith).

101		Financial statements from the quarterly report on Form 10-Q of Bar Harbor Bankshares for the period ended June 30, 2016, formatted in XBRL (Extensible Business Reporting Language): (i) the Consolidated Balance Sheets, (ii) the Consolidated Statements of Operations, (iii) the Consolidated Statements of Shareholders’ Equity and Comprehensive Income, (iv) the Consolidated Statements of Cash Flows and (v) Notes to Consolidated Financial Statements.

*Management Contract or Compensatory Agreement

EX-31 2 bhbt10qjun16ex311.htm _

Exhibit 31.1

CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER

PURSUANT TO RULES 13a-14 AND 15d-14 OF THE SECURITIES EXCHANGE ACT
OF 1934 AND SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Curtis C. Simard, certify that:

I have reviewed this quarterly report on Form 10-Q of Bar Harbor Bankshares (the “Registrant”);

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;

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;

The Registrant’s other certifying officer 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 controls 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

The Registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the Registrant’s auditors and the audit committee of Registrant’s board of directors (or persons performing the equivalent functions):

(a)

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

(b)

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

Date: August 8, 2016

/s/ Curtis C. Simard

Name: Curtis C. Simard

Title: President and Chief Executive Officer

EX-31 3 bhbt10qjun16ex312.htm _

Exhibit 31.2

CERTIFICATION OF THE CHIEF FINANCIAL OFFICER

PURSUANT TO RULES 13a-14 AND 15d-14 OF THE SECURITIES EXCHANGE ACT
OF 1934 AND SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Gerald Shencavitz, certify that:

I have reviewed this quarterly report on Form 10-Q of Bar Harbor Bankshares (the “Registrant”);

(a)

(b)

(c)

(d)

(a)

(b)

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

Date: August 8, 2016

/s/ Gerald Shencavitz

Name: Gerald Shencavitz

Title: Executive Vice President and Chief Financial Officer

EX-32 4 bhbt10qjun16ex321.htm _

Exhibit 32.1

CERTIFICATION OF CHIEF EXECUTIVE OFFICER

PURSUANT TO SECTION 906 OF THE
SARBANES-OXLEY ACT OF 2002 (18 U.S.C. Section 1350)

The undersigned executive officer of Bar Harbor Bankshares (the “Registrant”) hereby certifies that the Registrant’s Form 10-Q for the three and six months ended June 30, 2016, fully complies with the requirements of Section 13(a) or 15(d), as applicable of the Securities Exchange Act of 1934 (the “Exchange Act”) and that the information contained therein fairly presents, in all material respects, the financial condition and results of operations of the Registrant. This certification is provided pursuant to 18 U.S.C. Section 1350 and Item 601(b)(32) of Regulation S-K (“Item 601(b)(32)”) promulgated under the Securities Act of 1933, as amended (the “Securities Act”) and the Exchange Act. In accordance with clause (ii) of Item 601(b)(32), this certification (a) shall not be deemed “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to liability under that section, and (b) shall not be deemed to be incorporated by reference into any filing under the Securities Act or the Exchange Act, except to the extent that the Registrant specifically incorporates it by reference.

Date: August 8, 2016

/s/ Curtis C. Simard

Name: Curtis C. Simard

Title: President and Chief Executive Officer

Note: A signed original of this written statement required by Section 906 of the Sarbanes-Oxley Act of 2002 has been provided to Bar Harbor Bankshares and will be retained by Bar Harbor Bankshares and furnished to the Securities and Exchange Commission or its staff upon request.

EX-32 5 bhbt10qjun16ex322.htm _

Exhibit 32.2

CERTIFICATION OF CHIEF FINANCIAL OFFICER

PURSUANT TO SECTION 906 OF THE
SARBANES-OXLEY ACT OF 2002 (18 U.S.C. Section 1350)

Date: August 8, 2016

/s/ Gerald Shencavitz

Name: Gerald Shencavitz

Title:

Executive Vice President and Chief Financial Officer

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2966000 2959000 2.0 0.078 21 4 1 3 1 3 2 2 2 5 2 5 3 1 1 1 607000 607000 187000 187000 413000 489000 30000 30000 0 0 8000 -64000 -2239000 -5234000 1.648 P120D P24M P6M P90D <div> Note 5: Management's Use of Estimates The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses, other-than-temporary impairments on securities, income tax estimates, and the valuation of intangible assets <div> Allowance for Loan Losses: The allowance for loan losses (the "allowance") is a significant accounting estimate used in the preparation of the Company's consolidated financial statements. The allowance is available to absorb losses inherent in the current loan portfolio and is maintained at a level that, in management's judgment, is appropriate for the amount of risk inherent in the loan portfolio, given past and present conditions. The allowance is increased by provisions charged to operating expense and by recoveries on loans previously charged off, and is decreased by loans charged off as uncollectible. Arriving at an appropriate level of allowance for loan losses involves a high degree of judgment. The determination of the adequacy of the allowance and provisioning for estimated losses is evaluated regularly based on review of loans, with particular emphasis on non-performing and other loans that management believes warrant special consideration. The ongoing evaluation process includes a formal analysis, which considers among other factors: the character and size of the loan portfolio, business and economic conditions, real estate market conditions, collateral values, changes in product offerings or loan terms, changes in underwriting and/or collection policies, loan growth, previous charge-off experience, delinquency trends, non-performing loan trends, the performance of individual loans in relation to contract terms, and estimated fair values of collateral. The allowance for loan losses consists of allowances established for specific loans including impaired loans; allowances for pools of loans based on historical charge-offs by loan types; and supplemental allowances that adjust historical loss experience to reflect current economic conditions, industry specific risks, and other observable data. While management uses available information to recognize losses on loans, changing economic conditions and the economic prospects of the borrowers may necessitate future additions or reductions to the allowance. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Bank's allowance, which also may necessitate future additions or reductions to the allowance, based on information available to them at the time of their examination.</div> <div> Other-Than-Temporary Impairments on Investment Securities: One of the significant estimates relating to securities is the evaluation of other-than-temporary impairment ("OTTI"). If a decline in the fair value of a security is judged to be other-than-temporary, and management does not intend to sell the security and believes it is more-likely-than-not the Company will not be required to sell the security prior to recovery of cost or amortized cost, the portion of the total impairment attributable to the credit loss is recognized in earnings, and the remaining difference between the security's amortized cost basis and its fair value is included in other comprehensive income. For impaired available for sale debt securities that management intends to sell, or where management believes it is more-likely-than-not that the Company will be required to sell, an OTTI charge is recognized in earnings equal to the difference between fair value and cost or amortized cost basis of the security. The fair value of the OTTI security becomes its new cost basis. The evaluation of securities for impairments is a quantitative and qualitative process, which is subject to risks and uncertainties and is intended to determine whether declines in the fair value of securities should be recognized in current period earnings. The risks and uncertainties include changes in general economic conditions, the issuer's financial condition and/or future prospects, the effects of changes in interest rates or credit spreads and the expected recovery period of unrealized losses. The Company has a security monitoring process that identifies securities that, due to certain characteristics, as described below, are subjected to an enhanced analysis on a quarterly basis. Securities that are in an unrealized loss position are reviewed at least quarterly to determine if an OTTI is present based on certain quantitative and qualitative factors and measures. The primary factors considered in evaluating whether a decline in value of securities is other-than-temporary include: (a) the cause of the impairment; (b) the financial condition, credit rating and future prospects of the issuer; (c) whether the underlying debtor is current on contractually obligated interest and principal payments; (d) the volatility of the securities' fair value; (e) performance indicators of the underlying assets in the security including default rates, delinquency rates, percentage of non-performing assets, loan to collateral value ratios, conditional payment rates, third party guarantees, current levels of subordination, vintage, and geographic concentration and; (f) any other information and observable data considered relevant in determining whether an OTTI has occurred, including the expectation of the receipt of all principal and interest due. In addition, for securitized financial assets with contractual cash flows, such as private label mortgage-backed securities ("MBS"), the Company periodically updates its best estimate of cash flows over the life of the security. The Company's best estimate of cash flows is based upon assumptions consistent with the current economic environment, similar to those the Company believes market participants would use. Estimating future cash flows is a quantitative and qualitative process that incorporates information received from third party sources along with certain assumptions and judgments regarding the future performance of the underlying collateral. In addition, projections of expected future cash flows may change based upon new information regarding the performance of the underlying collateral.</div> <div class="MetaData"> Income Taxes: The Company uses the asset and liability method of accounting for income taxes. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. If current available information indicates that it is more-likely-than-not that deferred tax assets will not be realized, a valuation allowance is established. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Significant management judgment is required in determining income tax expense and deferred tax assets and liabilities. As of June 30, 2016 and December 31, 2015, there was no valuation allowance for deferred tax assets.</div> <div> Goodwill and Identifiable Intangible Assets: In connection with acquisitions, the Company generally records as assets on its consolidated financial statements both goodwill and identifiable intangible assets, such as core deposit intangibles. The Company evaluates whether the carrying value of its goodwill has become impaired, in which case the value is reduced through a charge to its earnings. Goodwill is evaluated for impairment at least annually, or upon a triggering event using certain fair value techniques. Goodwill impairment testing is performed at the segment (or "reporting unit") level. Goodwill is assigned to reporting units at the date the goodwill is initially recorded. Once goodwill has been assigned to the reporting units, it no longer retains its association with a particular acquisition, and all of the activities within a reporting unit, whether acquired or organically grown, are available to support the value of the goodwill. Goodwill represents the excess of the purchase price over the fair value of net assets acquired in accordance with the purchase method of accounting for business combinations. Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis or more frequently if an event occurs or circumstances change that reduce the fair value of a reporting unit below its carrying amount. The Company completes its annual goodwill impairment test as of December 31 of each year. The impairment testing process is conducted by assigning assets and goodwill to each reporting unit. Currently, the Company's goodwill is evaluated at the entity level as there is only one reporting unit. The Company first assesses certain qualitative factors to determine if it is more-likely-than-not that the fair value of the reporting unit is less than its carrying value. If it is more-likely-than-not that the fair value of the reporting unit is less than the carrying value, then the fair value of each reporting unit is compared to the recorded book value ("step one"). If the fair value of the reporting unit exceeds its carrying value, goodwill is not considered impaired and "step two" is not considered necessary. If the carrying value of a reporting unit exceeds its fair value, the impairment test continues ("step two") by comparing the carrying value of the reporting unit's goodwill to the implied fair value of goodwill. The implied fair value is computed by adjusting all assets and liabilities of the reporting unit to current fair value with the offset adjustment to goodwill. The adjusted goodwill balance is the implied fair value of the goodwill. An impairment charge is recognized if the carrying fair value of goodwill exceeds the implied fair value of goodwill. At December 31, 2015, there was no indication of impairment that led the Company to believe it needed to perform a two-step test. Any changes in the estimates used by the Company to determine the carrying value of its goodwill, or which otherwise adversely affect their value or estimated lives, would adversely affect the Company's consolidated results of operations.</div> </div> P6M 40000 <div> <table style="height: 145px; width: 475px;" cellspacing="0" border="0"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr valign="bottom"><td align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="4" align="center">June 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="center">June 30, 2015</td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">Three</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Six</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Three</td> <td align="center"> </td> <td align="center">Six</td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">Months</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Months</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Months</td> <td align="center"> </td> <td align="center">Months</td></tr> <tr valign="bottom"><td align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Ended</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Ended</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Ended</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Ended</td></tr> <tr><td colspan="11"> </td></tr> <tr valign="bottom"><td align="left">Net (losses) gains on OREO</td> <td align="right">$</td> <td align="right">(47</td> <td align="left">)</td> <td align="right">$</td> <td align="right">(47</td> <td align="left">)</td> <td align="right">$</td> <td align="center">44</td> <td align="right">$</td> <td align="right">44</td></tr></table> </div> 270000 384000 49 2 1 8 4 7 4 1 8 4 10 5 2 3 3 1 2 17 21 6 6 P10Y P20Y P15Y P30Y P10Y 249000 222000 2828000 6020000 249000 73000 <div> <div> Other-Than-Temporary Impairments on Investment Securities: One of the significant estimates relating to securities is the evaluation of other-than-temporary impairment ("OTTI"). If a decline in the fair value of a security is judged to be other-than-temporary, and management does not intend to sell the security and believes it is more-likely-than-not the Company will not be required to sell the security prior to recovery of cost or amortized cost, the portion of the total impairment attributable to the credit loss is recognized in earnings, and the remaining difference between the security's amortized cost basis and its fair value is included in other comprehensive income. For impaired available for sale debt securities that management intends to sell, or where management believes it is more-likely-than-not that the Company will be required to sell, an OTTI charge is recognized in earnings equal to the difference between fair value and cost or amortized cost basis of the security. The fair value of the OTTI security becomes its new cost basis. The evaluation of securities for impairments is a quantitative and qualitative process, which is subject to risks and uncertainties and is intended to determine whether declines in the fair value of securities should be recognized in current period earnings. The risks and uncertainties include changes in general economic conditions, the issuer's financial condition and/or future prospects, the effects of changes in interest rates or credit spreads and the expected recovery period of unrealized losses. The Company has a security monitoring process that identifies securities that, due to certain characteristics, as described below, are subjected to an enhanced analysis on a quarterly basis. Securities that are in an unrealized loss position are reviewed at least quarterly to determine if an OTTI is present based on certain quantitative and qualitative factors and measures. The primary factors considered in evaluating whether a decline in value of securities is other-than-temporary include: (a) the cause of the impairment; (b) the financial condition, credit rating and future prospects of the issuer; (c) whether the underlying debtor is current on contractually obligated interest and principal payments; (d) the volatility of the securities' fair value; (e) performance indicators of the underlying assets in the security including default rates, delinquency rates, percentage of non-performing assets, loan to collateral value ratios, conditional payment rates, third party guarantees, current levels of subordination, vintage, and geographic concentration and; (f) any other information and observable data considered relevant in determining whether an OTTI has occurred, including the expectation of the receipt of all principal and interest due. In addition, for securitized financial assets with contractual cash flows, such as private label mortgage-backed securities ("MBS"), the Company periodically updates its best estimate of cash flows over the life of the security. The Company's best estimate of cash flows is based upon assumptions consistent with the current economic environment, similar to those the Company believes market participants would use. Estimating future cash flows is a quantitative and qualitative process that incorporates information received from third party sources along with certain assumptions and judgments regarding the future performance of the underlying collateral. In addition, projections of expected future cash flows may change based upon new information regarding the performance of the underlying collateral.</div> </div> <div> <table cellspacing="0" border="0"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr valign="bottom"><td width="38%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="31%" colspan="4" align="center">June 30, 2016</td> <td width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="29%" colspan="4" align="center">June 30, 2015</td></tr> <tr valign="bottom"><td width="38%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="3%" align="right">  </td> <td width="12%" align="center">Three</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="14%" align="center">Six</td> <td width="2%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="13%" align="center">Three</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center"> Six </td></tr> <tr valign="bottom"><td width="38%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="3%" align="right">  </td> <td width="12%" align="center">Months</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="14%" align="center">Months</td> <td width="2%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="13%" align="center">Months</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center">Months</td></tr> <tr valign="bottom"><td width="38%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="3%" align="right">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">Ended</td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="center">Ended</td> <td width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">Ended</td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">Ended</td></tr> <tr><td width="100%" colspan="10"> </td></tr> <tr valign="bottom"><td width="38%" align="left">Extended maturity and adjusted interest rate</td> <td width="3%" align="right">$</td> <td style="text-indent: 4px;" width="12%" align="center">--</td> <td width="2%" align="center">$</td> <td width="14%" align="center">--</td> <td width="2%" align="center"> </td> <td width="2%" align="center">$</td> <td style="text-indent: 2px;" width="13%" align="center">--</td> <td width="2%" align="center">$</td> <td width="12%" align="center">489</td></tr> <tr valign="bottom"><td width="38%" align="left">Extended maturity and adjusted payment</td> <td width="3%" align="right"> </td> <td width="12%" align="center">--</td> <td width="2%" align="center"> </td> <td width="14%" align="center">413</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="13%" align="center">--</td> <td width="2%" align="center"> </td> <td width="12%" align="center">--</td></tr> <tr valign="bottom"><td width="38%" align="left">Adjusted payment</td> <td width="3%" align="right"> </td> <td width="12%" align="center">--</td> <td width="2%" align="center"> </td> <td width="14%" align="center">--</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="13%" align="center">607</td> <td width="2%" align="center"> </td> <td width="12%" align="center">607</td></tr> <tr valign="bottom"><td width="38%" align="left">Adjusted payment and capitalized interest</td> <td width="3%" align="right"> </td> <td width="12%" align="center">--</td> <td width="2%" align="center"> </td> <td width="14%" align="center">--</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="13%" align="center">187</td> <td width="2%" align="center"> </td> <td width="12%" align="center">187</td></tr> <tr valign="bottom"><td width="38%" align="left">Other concessions</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">30</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="center">30</td> <td width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">--</td></tr> <tr valign="bottom"><td width="38%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 4px;" width="12%" align="center">30</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="center">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" width="14%" align="center">443</td> <td width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="center">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" width="13%" align="center">794</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="center">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="center">1,283</td></tr></table> </div> 0.80 0.31 4 <div> <table cellspacing="0" border="0"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr valign="bottom"><td width="35%" align="center"> </td> <td width="37%" colspan="7" align="center">Amount Reclassified from</td> <td width="2%" align="center"> </td> <td width="25%" align="center"> </td></tr> <tr valign="bottom"><td width="35%" align="center"> </td> <td width="37%" colspan="7" align="center">Accumulated Other</td> <td width="2%" align="center"> </td> <td width="25%" align="center"> </td></tr> <tr valign="bottom"><td width="35%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="37%" colspan="7" align="center">Comprehensive Income</td> <td width="2%" align="center"> </td> <td width="25%" align="center"> </td></tr> <tr><td width="99%" colspan="10" align="center"> </td></tr> <tr valign="bottom"><td width="35%" align="center"> </td> <td width="17%" colspan="2" align="center">Six Months</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="16%" colspan="3" align="center">Six Months</td> <td width="2%" align="center"> </td> <td width="25%" align="center">Affected Line Item in the</td></tr> <tr valign="bottom"><td width="35%" align="center">Details about Accumulated</td> <td width="17%" colspan="2" align="center">Ended</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="16%" colspan="3" align="center">Ended</td> <td width="2%" align="center"> </td> <td width="25%" align="center">Statement Where Net</td></tr> <tr valign="bottom"><td width="35%" align="center">Other Comprehensive Income</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="17%" colspan="2" align="center">June 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="16%" colspan="3" align="center">June 30, 2015</td> <td width="2%" align="center"> </td> <td width="25%" align="center">Income is Presented</td></tr> <tr><td width="99%" colspan="10"> </td></tr> <tr valign="bottom"><td width="35%" align="left">Realized gains and losses on</td> <td width="6%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="5%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="25%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="35%" align="left">available-for-sale securities</td> <td style="text-indent: 2px;" width="6%" align="right">$</td> <td width="11%" align="right">3,135</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="5%" align="right">$</td> <td width="9%" align="right">1,206 </td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="25%" align="left">Net securities gains</td></tr> <tr valign="bottom"><td width="35%" align="left">Tax (expense) or benefit</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">(1,097</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">(422</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td width="2%" align="left"> </td> <td width="25%" align="left">Provision for income taxes</td></tr> <tr valign="bottom"><td width="35%" align="left">Net of tax</td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="6%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">2,038</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="5%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">784</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="25%" align="left">Net income</td></tr> <tr><td width="99%" colspan="10"> </td></tr> <tr valign="bottom"><td width="35%" align="left">Amortization of prior service cost and</td> <td width="6%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="5%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="25%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="35%" align="left">actuarial loss for supplemental</td> <td width="6%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="5%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="25%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="35%" align="left">executive retirement plan</td> <td style="text-indent: 2px;" width="6%" align="right">$</td> <td width="11%" align="right">(14</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="5%" align="right">$</td> <td width="9%" align="right">(19</td> <td width="2%" align="left">)</td> <td width="2%" align="left"> </td> <td width="25%" align="left">Salaries and benefits</td></tr> <tr valign="bottom"><td width="35%" align="left">Tax (expense) or benefit</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">5</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">6</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="25%" align="left">Provision for income taxes</td></tr> <tr valign="bottom"><td width="35%" align="left">Net of tax</td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="6%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">(9</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="5%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">(13</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td width="2%" align="left"> </td> <td width="25%" align="left">Net income</td></tr> <tr><td width="99%" colspan="10"> </td></tr> <tr valign="bottom"><td width="35%" align="left">Total reclassification for the period</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="6%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">2,029</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" width="5%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">771</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="25%" align="left"> </td></tr></table> </div> <div> <div> Note 10: Reclassifications Out of Accumulated Other Comprehensive Income The following table summarizes the reclassifications out of Accumulated Other Comprehensive Income for the six months ended June 30, 2016 and 2015. <div style="padding-left: 0%; padding-right: 0%;"> <div> <div> <div> <div> <div> <table cellspacing="0" border="0"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr valign="bottom"><td width="35%" align="center"> </td> <td width="37%" colspan="7" align="center">Amount Reclassified from</td> <td width="2%" align="center"> </td> <td width="25%" align="center"> </td></tr> <tr valign="bottom"><td width="35%" align="center"> </td> <td width="37%" colspan="7" align="center">Accumulated Other</td> <td width="2%" align="center"> </td> <td width="25%" align="center"> </td></tr> <tr valign="bottom"><td width="35%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="37%" colspan="7" align="center">Comprehensive Income</td> <td width="2%" align="center"> </td> <td width="25%" align="center"> </td></tr> <tr><td width="99%" colspan="10" align="center"> </td></tr> <tr valign="bottom"><td width="35%" align="center"> </td> <td width="17%" colspan="2" align="center">Six Months</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="16%" colspan="3" align="center">Six Months</td> <td width="2%" align="center"> </td> <td width="25%" align="center">Affected Line Item in the</td></tr> <tr valign="bottom"><td width="35%" align="center">Details about Accumulated</td> <td width="17%" colspan="2" align="center">Ended</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="16%" colspan="3" align="center">Ended</td> <td width="2%" align="center"> </td> <td width="25%" align="center">Statement Where Net</td></tr> <tr valign="bottom"><td width="35%" align="center">Other Comprehensive Income</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="17%" colspan="2" align="center">June 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="16%" colspan="3" align="center">June 30, 2015</td> <td width="2%" align="center"> </td> <td width="25%" align="center">Income is Presented</td></tr> <tr><td width="99%" colspan="10"> </td></tr> <tr valign="bottom"><td width="35%" align="left">Realized gains and losses on</td> <td width="6%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="5%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="25%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="35%" align="left">available-for-sale securities</td> <td style="text-indent: 2px;" width="6%" align="right">$</td> <td width="11%" align="right">3,135</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="5%" align="right">$</td> <td width="9%" align="right">1,206 </td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="25%" align="left">Net securities gains</td></tr> <tr valign="bottom"><td width="35%" align="left">Tax (expense) or benefit</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">(1,097</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">(422</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td width="2%" align="left"> </td> <td width="25%" align="left">Provision for income taxes</td></tr> <tr valign="bottom"><td width="35%" align="left">Net of tax</td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="6%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">2,038</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="5%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">784</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="25%" align="left">Net income</td></tr> <tr><td width="99%" colspan="10"> </td></tr> <tr valign="bottom"><td width="35%" align="left">Amortization of prior service cost and</td> <td width="6%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="5%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="25%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="35%" align="left">actuarial loss for supplemental</td> <td width="6%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="5%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="25%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="35%" align="left">executive retirement plan</td> <td style="text-indent: 2px;" width="6%" align="right">$</td> <td width="11%" align="right">(14</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="5%" align="right">$</td> <td width="9%" align="right">(19</td> <td width="2%" align="left">)</td> <td width="2%" align="left"> </td> <td width="25%" align="left">Salaries and benefits</td></tr> <tr valign="bottom"><td width="35%" align="left">Tax (expense) or benefit</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">5</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">6</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="25%" align="left">Provision for income taxes</td></tr> <tr valign="bottom"><td width="35%" align="left">Net of tax</td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="6%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">(9</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="5%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">(13</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td width="2%" align="left"> </td> <td width="25%" align="left">Net income</td></tr> <tr><td width="99%" colspan="10"> </td></tr> <tr valign="bottom"><td width="35%" align="left">Total reclassification for the period</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="6%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">2,029</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" width="5%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">771</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="25%" align="left"> </td></tr></table></div>  </div></div></div></div></div></div> </div> 228000 <div> <table style="height: 131px; width: 473px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">June 30,</td> <td align="right"> </td> <td align="center">December 31,</td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">2016</td> <td align="right"> </td> <td align="right">2015</td></tr> <tr><td colspan="5"> </td></tr> <tr valign="bottom"><td align="left">Commitments to originate loans</td> <td align="right">$</td> <td align="center">25,047</td> <td align="right">$</td> <td align="right">41,529</td></tr> <tr valign="bottom"><td align="left">Unused lines of credit</td> <td align="right">$</td> <td align="center">93,974</td> <td align="right">$</td> <td align="right">97,283</td></tr> <tr valign="bottom"><td align="left">Un-advanced portions of construction loans</td> <td align="right">$</td> <td align="center">24,180</td> <td align="right">$</td> <td align="right">12,719</td></tr> <tr valign="bottom"><td align="left">Standby letters of credit</td> <td align="right">$</td> <td align="center">385</td> <td align="right">$</td> <td align="right">385</td></tr></table> </div> <div> <table style="height: 122px; width: 445px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">June 30,</td> <td align="right"> </td> <td align="center">December 31,</td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">2016</td> <td align="right"> </td> <td align="center">2015</td></tr> <tr><td colspan="5"> </td></tr> <tr valign="bottom"><td align="left">Gross carrying amount</td> <td align="right">$</td> <td align="center">783</td> <td align="right">$</td> <td align="center">783</td></tr> <tr valign="bottom"><td align="left">Less: accumulated amortization</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">359</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">313</td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">Net carrying amount</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">424</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">470</td></tr></table> </div> P5Y 64000 312000 7008000 5553000 1621000 2412000 false --12-31 Q2 2016 2016-06-30 10-Q 0000743367 6032894 Accelerated Filer BAR HARBOR BANKSHARES 25000000 20000000 20000000 25000000 90000000

-1302000

-1273000

5251000

11180000

-1621000

-2412000

463000

412000

3629000

8491000

21624000

22249000

191000

845000

<div> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="5%" align="center"> </td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="center">Three Months</td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">Construction</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="5%" align="center"> </td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td width="8%" align="center">Ended</td> <td width="8%" colspan="2" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center">and</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">and land</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">Residential</td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="5%" align="center">Home</td> <td width="2%" align="center"> </td> <td width="6%" colspan="2" align="center">Tax</td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="8%" align="center">June 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" colspan="2" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">Industrial</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center">development</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="center">Agricultural</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 1px;" width="8%" align="center">Consumer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="center">Equity</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" colspan="2" align="center">Exempt</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" colspan="2" align="center">Total</td></tr> <tr valign="bottom"><td width="8%" align="left">Beginning Balance</td> <td width="2%" align="right">$</td> <td width="6%" align="right">4,667</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="10%" align="right">1,233</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">231</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="9%" align="right">365</td> <td width="2%" align="right">$</td> <td width="6%" align="right">2,621</td> <td width="3%" align="right"> </td> <td width="2%" align="right">$</td> <td width="8%" align="right">108</td> <td width="3%" align="right"> </td> <td width="2%" align="right">$</td> <td width="5%" align="right">539</td> <td width="2%" align="right"> </td> <td width="3%" align="right">$</td> <td width="3%" align="right">50</td> <td width="2%" align="right">$</td> <td width="3%" align="right">9,814</td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Charged Off</td> <td width="2%" align="right"> </td> <td width="6%" align="right">--</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right">(1</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">--</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td style="text-indent: 7px;" width="9%" align="right">--</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(91</td> <td width="3%" align="left">)</td> <td width="2%" align="right"> </td> <td width="8%" align="right">(7</td> <td width="3%" align="left">)</td> <td width="2%" align="right"> </td> <td width="5%" align="right">--</td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="3%" align="right">--</td> <td width="2%" align="right"> </td> <td width="3%" align="right">(99</td> <td width="2%" align="left">)</td></tr> <tr valign="bottom"><td width="8%" align="left">Recoveries</td> <td width="2%" align="right"> </td> <td width="6%" align="right">7</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right">3</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">--</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td style="text-indent: 7px;" width="9%" align="right">--</td> <td width="2%" align="right"> </td> <td width="6%" align="right">8</td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">7</td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="5%" align="right">1</td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="3%" align="right">--</td> <td width="2%" align="right"> </td> <td width="3%" align="right">26</td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Provision</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">(9</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">32</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">(36</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 6px;" width="9%" align="right">18</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">145</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">(8</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="right">7</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">1</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">150</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left">Ending Balance</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">4,665</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">1,267</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">195</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="9%" align="right">383</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,683</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">100</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="right">547</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">51</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">9,891</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr valign="bottom"><td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="5%" align="center"> </td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">Construction</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="5%" align="center"> </td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td width="8%" align="center">Six Months Ended </td> <td width="8%" colspan="2" align="center">Commercial </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">and land</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">Residential</td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="5%" align="center">Home</td> <td width="2%" align="center"> </td> <td width="6%" colspan="2" align="center">Tax</td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="8%" align="center">June 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" colspan="2" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">and Industrial</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center">development</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="center">Agricultural</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 1px;" width="8%" align="center">Consumer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="center">Equity</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" colspan="2" align="center">Exempt</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" colspan="2" align="center">Total</td></tr> <tr valign="bottom"><td width="8%" align="left">Beginning Balance</td> <td width="2%" align="right">$</td> <td width="6%" align="right">4,246</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="10%" align="right">1,236</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">184</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="9%" align="right">307</td> <td width="2%" align="right">$</td> <td width="6%" align="right">2,747</td> <td width="3%" align="right"> </td> <td width="2%" align="right">$</td> <td width="8%" align="right">111</td> <td width="3%" align="right"> </td> <td width="2%" align="right">$</td> <td width="5%" align="right">561</td> <td width="2%" align="right"> </td> <td width="3%" align="right">$</td> <td width="3%" align="right">47</td> <td width="2%" align="right">$</td> <td width="3%" align="right">9,439</td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Charged Off</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(34</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="10%" align="right">(90</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">--</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td style="text-indent: 7px;" width="9%" align="right">--</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(122</td> <td width="3%" align="left">)</td> <td width="2%" align="right"> </td> <td width="8%" align="right">(17</td> <td width="3%" align="left">)</td> <td width="2%" align="right"> </td> <td width="5%" align="right">--</td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="3%" align="right">--</td> <td width="2%" align="right"> </td> <td width="3%" align="right">(263</td> <td width="2%" align="left">)</td></tr> <tr valign="bottom"><td width="8%" align="left">Recoveries</td> <td width="2%" align="right"> </td> <td width="6%" align="right">13</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right">4</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">--</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td style="text-indent: 6px;" width="9%" align="right">40</td> <td width="2%" align="right"> </td> <td width="6%" align="right">28</td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">13</td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="5%" align="right">2</td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="3%" align="right">--</td> <td width="2%" align="right"> </td> <td width="3%" align="right">100</td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Provision</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">440</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">117</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">11</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 6px;" width="9%" align="right">36</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">30</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">(7</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="right">(16</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">4</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">615</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Ending Balance</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">4,665</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">1,267</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">195</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="9%" align="right">383</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,683</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">100</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="right">547</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">51</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">9,891</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr valign="bottom"><td width="8%" align="left">of which:</td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="3%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="3%" align="left"> </td> <td width="2%" align="right"> </td> <td width="5%" align="left"> </td> <td width="2%" align="left"> </td> <td width="3%" align="left"> </td> <td width="3%" align="left"> </td> <td width="2%" align="left"> </td> <td width="3%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Amount for loans</td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="5%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">individually</td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="5%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">evaluated for</td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="5%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$ </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">43</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">175</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">60</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="9%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">54</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">38</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">370</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Amount for loans</td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="5%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">collectively</td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="5%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="8%" align="left">evaluated for</td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="5%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="8%" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">4,622</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">1,092</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">135</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="9%" align="right">383</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,629</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">62</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="right">547</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">51</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">9,521</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Loans individually</td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="5%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">Evaluated for</td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="5%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,436</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">309</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">813</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="9%" align="right">127</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,540</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">7</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="right">203</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">5,435</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Loans collectively</td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="5%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">Evaluated for</td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="5%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="8%" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">387,597 </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">80,440</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">24,654</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="9%" align="right">32,954</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">445,393</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">6,939</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="right">49,127</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">16,352 </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">1,043,456</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr valign="bottom"><td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="5%" align="center"> </td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="center">Three Months</td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">Construction</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="5%" align="center"> </td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td width="8%" align="center">Ended</td> <td width="8%" colspan="2" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">and land</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">Residential</td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="5%" align="center">Home</td> <td width="2%" align="center"> </td> <td width="6%" colspan="2" align="center">Tax</td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="8%" align="center">June 30, 2015</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" colspan="2" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">and Industrial</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center">development</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="center">Agricultural</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 1px;" width="8%" align="center">Consumer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="center">Equity</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" colspan="2" align="center">Exempt</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" colspan="2" align="center">Total</td></tr> <tr valign="bottom"><td width="8%" align="left">Beginning Balance</td> <td width="2%" align="right">$ </td> <td width="6%" align="right">4,500</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="10%" align="right">1,074</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">107</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="9%" align="right">334</td> <td width="2%" align="right"> </td> <td width="6%" align="right">2,875</td> <td width="3%" align="right"> </td> <td width="2%" align="right">$</td> <td width="8%" align="right">145</td> <td width="3%" align="right"> </td> <td width="2%" align="right">$</td> <td width="5%" align="right">367</td> <td width="2%" align="right"> </td> <td width="3%" align="right">$</td> <td width="3%" align="right">76</td> <td width="2%" align="right">$</td> <td width="3%" align="right">9,478</td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Charged Off</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(181</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="10%" align="right">(213</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">--</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">--</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(70</td> <td width="3%" align="left">)</td> <td width="2%" align="right"> </td> <td width="8%" align="right">(14</td> <td width="3%" align="left">)</td> <td width="2%" align="right"> </td> <td width="5%" align="right">(311</td> <td width="2%" align="left">)</td> <td width="3%" align="right"> </td> <td width="3%" align="right">--</td> <td width="2%" align="right"> </td> <td width="3%" align="right">(789</td> <td width="2%" align="left">)</td></tr> <tr valign="bottom"><td width="8%" align="left">Recoveries</td> <td width="2%" align="right"> </td> <td width="6%" align="right">5</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right">1</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">--</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">--</td> <td width="2%" align="right"> </td> <td width="6%" align="right">--</td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">4</td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="5%" align="right">--</td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="3%" align="right">--</td> <td width="2%" align="right"> </td> <td width="3%" align="right">10</td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Provision</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">(35</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">285</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">38</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">38</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">(320</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">(25</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="right">416</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">3</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right">400</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Ending Balance</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$ </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">4,289</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">1,147</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">145</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="9%" align="right">372</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,485</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">110</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="right">472</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">79</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">9,099</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td></tr></table></div>   <div> </div> <div> <table cellspacing="0" border="0"> <tr><td width="8%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="3%"> </td> <td width="2%"> </td> <td width="4%"> </td> <td width="2%"> </td> <td width="3%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="4%"> </td> <td width="2%"> </td></tr> <tr valign="bottom"><td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="4%" align="center"> </td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="4%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Construction</td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="4%" align="center"> </td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="4%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td width="8%" align="center">Six Months Ended </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td style="text-indent: 1px;" width="8%" align="center">and land</td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="4%" align="center">Residential</td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center">Home</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">Tax</td> <td width="2%" align="center"> </td> <td width="4%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="8%" align="center">June 30, 2015</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center">and Industrial</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">development</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center">Agricultural</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 1px;" width="7%" align="center">Consumer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center">Equity</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center">Exempt</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="center">Total</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Beginning Balance</td> <td width="2%" align="right">$</td> <td width="8%" align="right">4,468</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">929</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="8%" align="right">145</td> <td width="2%" align="right">$</td> <td width="7%" align="right">277</td> <td width="3%" align="right"> </td> <td width="2%" align="right">$</td> <td width="4%" align="right">2,714</td> <td width="2%" align="right"> </td> <td width="3%" align="right">$</td> <td width="7%" align="right">94</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="7%" align="right">271</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="6%" align="right">71</td> <td width="2%" align="right">$</td> <td width="4%" align="right">8,969</td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Charged Off</td> <td width="2%" align="right"> </td> <td width="8%" align="right">(206</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(288</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="8%" align="right">--</td> <td width="2%" align="right"> </td> <td width="7%" align="right">(18</td> <td width="3%" align="left">)</td> <td width="2%" align="right"> </td> <td width="4%" align="right">(70</td> <td width="2%" align="left">)</td> <td width="3%" align="right"> </td> <td width="7%" align="right">(25</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="7%" align="right">(351</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">--</td> <td width="2%" align="right"> </td> <td width="4%" align="right">(958</td> <td width="2%" align="left">)</td></tr> <tr valign="bottom"><td width="8%" align="left">Recoveries</td> <td width="2%" align="right"> </td> <td width="8%" align="right">39</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">2</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">--</td> <td width="2%" align="right"> </td> <td width="7%" align="right">12</td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right">129</td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right">11</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right">--</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">--</td> <td width="2%" align="right"> </td> <td width="4%" align="right">193</td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Provision</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">(12</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">504</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">101</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="right">(288</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">30</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">552</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">8</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="right">895</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Ending Balance</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">4,289</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,147</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">145</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">372</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">2,485</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">110</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">472</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="6%" align="right">79</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">9,099</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr valign="bottom"><td width="8%" align="left">of which:</td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="3%" align="left"> </td> <td width="2%" align="left"> </td> <td width="4%" align="left"> </td> <td width="2%" align="left"> </td> <td width="3%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="4%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Amount for loans</td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="3%" align="left"> </td> <td width="2%" align="left"> </td> <td width="4%" align="left"> </td> <td width="2%" align="left"> </td> <td width="3%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="4%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">individually</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">evaluated for</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">419</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">169</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">47</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">40</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">1</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="6%" align="right">-</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">676</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Amount for loans</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">collectively</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">evaluated for</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="8%" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">3,870</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">978</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">145</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">325</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">2,445</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">110</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">471</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="6%" align="right">79</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">8,423</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Loans individually</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">evaluated for</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">2,992</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">469</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">1,260</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">166</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">1,180</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">9</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="6%" align="right">----</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">6,076</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Loans collectively</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">Evaluated for</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">351,137</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">87,733</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">33,160</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">33,368</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">392,575</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">11,132</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">51,794</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="6%" align="right">16,146</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">977,045</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td></tr></table></div>   <div> <table cellspacing="0" border="0"> <tr><td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="5%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="5%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="4%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Commercial</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="center">Twelve Months</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Commercial</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Construction</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td align="center">Ended</td> <td align="center"> </td> <td align="center">Commercial</td> <td align="center"> </td> <td align="center"> </td> <td align="center">and</td> <td align="center"> </td> <td align="center"> </td> <td style="text-indent: 1px;" align="center">and land</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Residential</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Home</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Tax</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">December 31, 2015</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Industrial</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">development</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Agricultural</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Consumer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Equity</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 1px;" align="center">Exempt</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Total</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td></tr> <tr valign="bottom"><td align="left">Beginning Balance</td> <td align="right">$</td> <td align="right">4,468</td> <td align="right"> </td> <td align="right">$</td> <td align="right">929</td> <td align="right"> </td> <td align="right">$</td> <td align="right">145</td> <td align="right">$</td> <td align="right">277</td> <td align="right"> </td> <td align="right">$</td> <td align="right">2,714</td> <td align="right"> </td> <td align="right">$</td> <td align="right">94</td> <td align="right"> </td> <td align="right">$</td> <td align="right">271</td> <td align="right"> </td> <td align="right">$</td> <td align="right">71</td> <td align="right"> </td> <td align="right">$</td> <td align="right">8,969</td> <td align="right"> </td></tr> <tr valign="bottom"><td align="left">Charged Off</td> <td align="right"> </td> <td align="right">(667</td> <td align="left">)</td> <td align="right"> </td> <td align="right">(323</td> <td align="left">)</td> <td align="right"> </td> <td style="text-indent: 6px;" align="right">---</td> <td align="right"> </td> <td align="right">(72</td> <td align="left">)</td> <td align="right"> </td> <td align="right">(70</td> <td align="left">)</td> <td align="right"> </td> <td align="right">(111</td> <td align="left">)</td> <td align="right"> </td> <td align="right">(376</td> <td align="left">)</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right"> </td> <td align="right">(1,619</td> <td align="left">)</td></tr> <tr valign="bottom"><td align="left">Recoveries</td> <td align="right"> </td> <td align="right">98</td> <td align="right"> </td> <td align="right"> </td> <td align="right">36</td> <td align="right"> </td> <td align="right"> </td> <td style="text-indent: 6px;" align="right">---</td> <td align="right"> </td> <td align="right">18</td> <td align="right"> </td> <td align="right"> </td> <td align="right">129</td> <td align="right"> </td> <td align="right"> </td> <td align="right">22</td> <td align="right"> </td> <td align="right"> </td> <td align="right">1</td> <td align="right"> </td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right"> </td> <td align="right">304</td> <td align="right"> </td></tr> <tr valign="bottom"><td align="left">Provision</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">347</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">594</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">39</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">84</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(26</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">106</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">665</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(24</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">1,785</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td></tr> <tr valign="bottom"><td align="left">Ending Balance</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">4,246</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,236</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">184</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">307</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">2,747</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">111</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">561</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">47</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">9,439</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td></tr> <tr><td colspan="27"> </td></tr> <tr valign="bottom"><td align="left">of which:</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr><td colspan="27"> </td></tr> <tr valign="bottom"><td align="left">Amount for loans</td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">individually</td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">evaluated</td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">for impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">43</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">175</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">58</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">97</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">373</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr> <tr><td colspan="27"> </td></tr> <tr valign="bottom"><td align="left">Amount for loans</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">collectively</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">evaluated for</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">4,203</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,061</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">126</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">307</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">2,650</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">111</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">561</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">47</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">9,066</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td></tr> <tr><td colspan="27"> </td></tr> <tr valign="bottom"><td align="left">Loans individually</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">evaluated</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">for impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">2,223</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">426</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,111</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">106</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,847</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">8</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">18</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">5,739</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td></tr> <tr><td colspan="27"> </td></tr> <tr valign="bottom"><td align="left">Loans collectively</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">evaluated</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">for impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">368,779</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">79,485</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">23,815</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">30,897</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">404,805</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">9,690</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">51,512</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">15,244</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">984,227</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr></table></div> </div>

11000

3000

11197

10950

80263

75763

1580055000

1687549000

79130000

2069000

3464000

306993000

115382000

79130000

2069000

3464000

306993000

115382000

82368000

842000

1327000

332980000

115915000

82368000

842000

1327000

332980000

115915000

504969000

79130000

3464000

306993000

115382000

532590000

82368000

1327000

332980000

115915000

11831000

1269000

762000

5042000

4758000

18012000

1993000

218000

9693000

6108000

3041000

547000

11000

2155000

328000

604000

97000

19000

397000

91000

496179000

78408000

2713000

304106000

110952000

515182000

80472000

1128000

323684000

109898000

462000

135000

1161000

221000

9000

813000

118000

336000

70000

9000

173000

84000

3041000

547000

11000

2155000

328000

604000

97000

19000

397000

91000

186815000

31433000

413000

136416000

18553000

65942000

12539000

357000

45543000

7503000

<div> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="15%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="20%" colspan="3" align="center">Less than 12 months</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="20%" colspan="3" align="center">12 months or longer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="center">Total</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center"> </td></tr> <tr valign="bottom"><td width="15%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="center">Estimated</td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center">Estimated</td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Estimated</td> <td width="9%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td></tr> <tr valign="bottom"><td width="15%" align="center">June 30, 2016</td> <td width="2%" align="right"> </td> <td width="6%" align="center">Fair</td> <td width="10%" align="center">Number of</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Unrealized</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Fair</td> <td width="10%" align="center">Number of</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Unrealized</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Fair</td> <td width="9%" align="center">Number of</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Unrealized</td></tr> <tr valign="bottom"><td width="15%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">Investments</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">Losses</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">Investments</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">Losses</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="center">Investments</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center">Losses</td></tr> <tr valign="bottom"><td width="15%" align="left">Description of Securities:</td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="15%" align="left">Mortgage-backed securities:</td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="15%" align="left">US Government-</td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="15%" align="center">sponsored enterprises</td> <td width="2%" align="right">$</td> <td width="6%" align="right">35,865</td> <td width="10%" align="center">42</td> <td width="2%" align="right">$</td> <td width="8%" align="right">224</td> <td width="2%" align="right">$</td> <td width="7%" align="right">9,678</td> <td width="10%" align="center">22</td> <td width="2%" align="right">$</td> <td width="8%" align="right">173</td> <td width="2%" align="right">$</td> <td width="8%" align="right">45,543</td> <td width="9%" align="center">64</td> <td width="2%" align="right">$</td> <td width="7%" align="right">397</td></tr> <tr valign="bottom"><td width="15%" align="left">US Government agency</td> <td width="2%" align="right"> </td> <td width="6%" align="right">7,619</td> <td width="10%" align="center">11</td> <td width="2%" align="right"> </td> <td width="8%" align="right">27</td> <td width="2%" align="right"> </td> <td width="7%" align="right">4,920</td> <td width="10%" align="center">16</td> <td width="2%" align="right"> </td> <td width="8%" align="right">70</td> <td width="2%" align="right"> </td> <td width="8%" align="right">12,539</td> <td width="9%" align="center">27</td> <td width="2%" align="right"> </td> <td width="7%" align="right">97</td></tr> <tr valign="bottom"><td width="15%" align="left">Private label</td> <td width="2%" align="right"> </td> <td width="6%" align="right">198</td> <td width="10%" align="center">2</td> <td width="2%" align="right"> </td> <td width="8%" align="right">10</td> <td width="2%" align="right"> </td> <td width="7%" align="right">159</td> <td width="10%" align="right">5</td> <td width="2%" align="right"> </td> <td width="8%" align="right">9</td> <td width="2%" align="right"> </td> <td width="8%" align="right">357</td> <td width="9%" align="right">7</td> <td width="2%" align="right"> </td> <td width="7%" align="right">19</td></tr> <tr valign="bottom"><td width="15%" align="left">Obligations of states and</td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="15%" align="center">political subdivisions</td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="15%" align="left">thereof</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">2,426</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">5</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">7</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">5,077</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">11</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">84</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">7,503</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="center">16</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">91</td></tr> <tr valign="bottom"><td width="15%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">46,108</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="center">60</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">268</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">19,834</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="center">54</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">336</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">65,942</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">114</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">604</td></tr></table></div>   <div> <table cellspacing="0" border="0"> <tr><td width="15%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="10%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="3%"> </td> <td width="6%"> </td> <td width="10%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="9%"> </td> <td width="2%"> </td> <td width="7%"> </td></tr> <tr valign="bottom"><td width="15%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="19%" colspan="3" align="center">Less than 12 months</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="20%" colspan="3" align="center">12 months or longer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="center">Total</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center"> </td></tr> <tr valign="bottom"><td width="15%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="center">Estimated</td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="3%" align="center"> </td> <td width="6%" align="center">Estimated</td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Estimated</td> <td width="9%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td></tr> <tr valign="bottom"><td width="15%" align="center">December 31, 2015</td> <td width="2%" align="right"> </td> <td width="7%" align="center">Fair</td> <td width="10%" align="center">Number of</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Unrealized</td> <td width="3%" align="center"> </td> <td width="6%" align="center">Fair</td> <td width="10%" align="center">Number of</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Unrealized</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Fair</td> <td width="9%" align="center">Number of</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Unrealized</td></tr> <tr valign="bottom"><td width="15%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 1px;" width="7%" align="center">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">Investments</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center">Losses</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">Investments</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">Losses</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="center">Investments</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center">Losses</td></tr> <tr valign="bottom"><td width="15%" align="left">Description of Securities:</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="3%" align="right"> </td> <td width="6%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr><td width="100%" colspan="16"> </td></tr> <tr valign="bottom"><td width="15%" align="left">Mortgage-backed securities:</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="3%" align="right"> </td> <td width="6%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="15%" align="left">US Government-</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="3%" align="right"> </td> <td width="6%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="15%" align="center">sponsored enterprises</td> <td width="2%" align="right">$</td> <td width="7%" align="right">112,770</td> <td width="10%" align="right">142</td> <td width="2%" align="right">$</td> <td width="7%" align="right">1,342</td> <td width="3%" align="right">$</td> <td width="6%" align="right">23,646</td> <td width="10%" align="center">33</td> <td width="2%" align="right">$</td> <td width="8%" align="right">813</td> <td width="2%" align="right">$</td> <td width="8%" align="right">136,416</td> <td width="9%" align="right">175</td> <td width="2%" align="right">$</td> <td width="7%" align="right">2,155</td></tr> <tr valign="bottom"><td width="15%" align="right">US Government agency</td> <td width="2%" align="right"> </td> <td width="7%" align="right">20,201</td> <td width="10%" align="center">30</td> <td width="2%" align="right"> </td> <td width="7%" align="right">326</td> <td width="3%" align="right"> </td> <td width="6%" align="right">11,232</td> <td width="10%" align="center">22</td> <td width="2%" align="right"> </td> <td width="8%" align="right">221</td> <td width="2%" align="right"> </td> <td width="8%" align="right">31,433</td> <td width="9%" align="right">52</td> <td width="2%" align="right"> </td> <td width="7%" align="right">547</td></tr> <tr valign="bottom"><td width="15%" align="left">Private label</td> <td width="2%" align="right"> </td> <td width="7%" align="right">235</td> <td width="10%" align="center">2</td> <td width="2%" align="right"> </td> <td width="7%" align="right">2</td> <td width="3%" align="right"> </td> <td width="6%" align="right">178</td> <td width="10%" align="right">5</td> <td width="2%" align="right"> </td> <td width="8%" align="right">9</td> <td width="2%" align="right"> </td> <td width="8%" align="right">413</td> <td width="9%" align="right">7</td> <td width="2%" align="right"> </td> <td width="7%" align="right">11</td></tr> <tr valign="bottom"><td width="15%" align="left">Obligations of states and</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="3%" align="right"> </td> <td width="6%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="15%" align="center">political subdivisions</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="3%" align="right"> </td> <td width="6%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="15%" align="left">thereof</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">14,853</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">25</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">210</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">3,700</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">11</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">118</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">18,553</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">36</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">328</td></tr> <tr valign="bottom"><td width="15%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">148,059</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="center">199</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">1,880</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">38,756</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="center">71</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">1,161</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">186,815</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">270</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">3,041</td></tr></table></div> </div>

1880000

326000

2000

1342000

210000

268000

27000

10000

224000

7000

148059000

20201000

235000

112770000

14853000

46108000

7619000

198000

35865000

2426000

38756000

11232000

178000

23646000

3700000

19834000

4920000

159000

9678000

5077000

13889000

14762000

5592000

5732000

495534000

511928000

167000

168000

1206000

587000

3135000

1699000

1206000

587000

3135000

1699000

20428000

11487000

44655000

23142000

270

175

114

<div> <div style="padding-left: 0%; padding-right: 0%;"> <div align="left"> <div style="padding-left: 0%; padding-right: 0%;"> <div> <div> <div> <div> Note 7: Securities Available For Sale The following tables summarize the securities available for sale portfolio as of June 30, 2016, and December 31, 2015: <div> <div> <div align="left"> <div align="left"> <div> <table style="height: 228px; width: 603px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left">June 30, 2016</td> <td align="right"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Gross</td> <td align="center"> </td> <td align="center">Gross</td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">Amortized</td> <td align="center"> </td> <td align="center">Unrealized</td> <td align="center"> </td> <td align="center">Unrealized</td> <td align="center"> </td> <td align="center">Estimated</td></tr> <tr valign="bottom"><td align="left">Available for Sale:</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Cost</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Gains</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Losses</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Fair Value</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Mortgage-backed securities:</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">US Government-sponsored enterprises</td> <td align="right">$</td> <td align="right">323,684</td> <td align="right">$</td> <td align="right">9,693</td> <td align="right">$</td> <td align="right">397</td> <td align="right">$</td> <td align="right">332,980</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">US Government agency</td> <td align="right"> </td> <td align="right">80,472</td> <td align="right"> </td> <td align="right">1,993</td> <td align="right"> </td> <td align="right">97</td> <td align="right"> </td> <td align="right">82,368</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Private label</td> <td align="right"> </td> <td align="right">1,128</td> <td align="right"> </td> <td align="right">218</td> <td align="right"> </td> <td align="right">19</td> <td align="right"> </td> <td align="right">1,327</td></tr> <tr valign="bottom"><td align="left">Obligations of states and</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">political subdivisions thereof</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">109,898</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">6,108</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">91</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">115,915</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">515,182</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">18,012</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">604</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">532,590</td></tr></table></div> <table style="height: 228px; width: 603px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left">December 31, 2015</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="right">Gross</td> <td align="right"> </td> <td align="right">Gross</td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">Amortized</td> <td align="right"> </td> <td align="center">Unrealized</td> <td align="right"> </td> <td align="center">Unrealized</td> <td align="right"> </td> <td align="center">Estimated</td></tr> <tr valign="bottom"><td align="left">Available for Sale:</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Cost</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">Gains</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">Losses</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Fair Value</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Mortgage-backed securities:</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">US Government-sponsored enterprises</td> <td align="right">$</td> <td align="right">304,106</td> <td align="right">$</td> <td align="right">5,042</td> <td align="right">$</td> <td align="right">2,155</td> <td align="right">$</td> <td align="right">306,993</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">US Government agency</td> <td align="right"> </td> <td align="right">78,408</td> <td align="right"> </td> <td align="right">1,269</td> <td align="right"> </td> <td align="right">547</td> <td align="right"> </td> <td align="right">79,130</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Private label</td> <td align="right"> </td> <td align="right">2,713</td> <td align="right"> </td> <td align="right">762</td> <td align="right"> </td> <td align="right">11</td> <td align="right"> </td> <td align="right">3,464</td></tr> <tr valign="bottom"><td align="left">Obligations of states and</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">political subdivisions thereof</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">110,952</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">4,758</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">328</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">115,382</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">496,179</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">11,831</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">3,041</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">504,969</td></tr></table></div></div></div></div></div></div></div></div></div></div></div>   <div> Securities Maturity Distribution: The following table summarizes the maturity distribution of the amortized cost and estimated fair value of securities available for sale as of June 30, 2016. Actual maturities may differ from the final maturities noted below because issuers may have the right to prepay or call certain securities. In the case of MBS, actual maturities may also differ from expected maturities due to the amortizing nature of the underlying mortgage collateral, and the fact that borrowers have the right to prepay. <div> <div> <div align="left"> <div> <table style="height: 164px; width: 393px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="left"> </td> <td align="center">Amortized</td> <td align="center"> </td> <td align="center">Estimated</td></tr> <tr valign="bottom"><td align="left">Securities Available for Sale</td> <td align="left"> </td> <td align="center">Cost</td> <td align="center"> </td> <td align="center">Fair Value</td></tr> <tr><td colspan="5"> </td></tr> <tr valign="bottom"><td align="left">Due one year or less</td> <td align="left">$</td> <td align="right">167</td> <td align="left">$</td> <td align="right">168</td></tr> <tr valign="bottom"><td align="left">Due after one year through five years</td> <td align="left"> </td> <td align="right">5,592</td> <td align="left"> </td> <td align="right">5,732</td></tr> <tr valign="bottom"><td align="left">Due after five years through ten years</td> <td align="left"> </td> <td align="right">13,889</td> <td align="left"> </td> <td align="right">14,762</td></tr> <tr valign="bottom"><td align="left">Due after ten years</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">495,534</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">511,928</td></tr> <tr valign="bottom"><td align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">515,182</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">532,590</td></tr></table></div></div> Securities Impairment: As a part of the Company's ongoing security monitoring process, the Company identifies securities in an unrealized loss position that could potentially be OTTI. For the three and six months ended June 30, 2016 and 2015, the Company did not have any OTTI losses recognized in earnings (before taxes). Upon initial impairment of a security, total OTTI losses represent the excess of the amortized cost over the fair value. For subsequent impairments of the same security, total OTTI losses represent additional credit losses and or declines in fair value subsequent to the previously recorded OTTI losses, if applicable. Unrealized OTTI losses recognized in accumulated other comprehensive income ("OCI") represent the non-credit component of OTTI losses on debt securities. Net impairment losses recognized in earnings represent the credit component of OTTI losses on debt securities. <div> As of June 30, 2016, the Company held four private label MBS (debt securities) with a total amortized cost (i.e. carrying value) of $48 for which OTTI losses have previously been recognized in pre-tax earnings dating back to the fourth quarter of 2008. For all of these securities, the Company previously recognized credit losses in excess of the unrealized losses currently in accumulated OCI, creating an unrealized gain of $135, net of tax, as included in accumulated OCI as of June 30, 2016, compared with a net unrealized gain of $462, net of tax, at December 31, 2015.</div> The OTTI losses previously recognized in earnings represented management's best estimate of credit losses inherent in the securities based on discounted, bond-specific future cash flow projections using assumptions about cash flows associated with the pools of mortgage loans underlying each security. In estimating those cash flows the Company takes a variety of factors into consideration including, but not limited to, loan level credit characteristics, current delinquency and non-performing loan rates, current levels of subordination and credit support, recent default rates and future constant default rate estimates, original and current loan to collateral value ratios, recent collateral loss severities and future collateral loss severity estimates, recent and historical conditional prepayment rates and future conditional prepayment rate assumptions, and other estimates of future collateral performance. Despite elevated levels of delinquencies, defaults and losses in the underlying residential mortgage loan collateral, given credit enhancements resulting from the structures of the individual securities, the Company expects that as of June 30, 2016, it will recover the amortized cost basis of its private label MBS as depicted in the continuously unrealized loss table below and has therefore concluded that such securities were not OTTI as of that date. Nevertheless, given recent market conditions, it is possible that adverse changes in repayment performance and fair value could occur in future periods that would change the Company's current best estimates. The following table displays the beginning balance of OTTI related to historical credit losses on debt securities held by the Company at the beginning of the current reporting period, as well as changes in credit losses recognized in pre-tax earnings for the three and six months ending June 30, 2016, and 2015. <div> <div> <div> <table style="height: 333px; width: 515px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="right">2016</td> <td align="right"> </td> <td align="right">2015</td></tr> <tr><td colspan="5"> </td></tr> <tr valign="bottom"><td align="left">Estimated credit losses as of March 31,</td> <td align="right">$</td> <td align="right">2,793</td> <td align="right">$</td> <td align="right">3,413</td></tr> <tr valign="bottom"><td align="left">Additions for credit losses for securities on which</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">OTTI has been previously recognized</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td></tr> <tr valign="bottom"><td align="left">Additions for credit losses for securities on which</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">OTTI has not been previously recognized</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td></tr> <tr valign="bottom"><td align="left">Reductions for securities sold or paid off during the period</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">1,096</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">233</td></tr> <tr valign="bottom"><td align="left">Estimated credit losses as of June 30,</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,697</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">3,180</td></tr> <tr><td colspan="5"> </td></tr> <tr valign="bottom"><td align="left">Estimated credit losses as of prior year-end,</td> <td align="right">$</td> <td align="right">3,180</td> <td align="right">$</td> <td align="right">3,413</td></tr> <tr valign="bottom"><td align="left">Additions for credit losses for securities on which</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">OTTI has been previously recognized</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td></tr> <tr valign="bottom"><td align="left">Additions for credit losses for securities on which</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">OTTI has not been previously recognized</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td></tr> <tr valign="bottom"><td align="left">Reductions for securities sold or paid off during the period</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">1,483</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">233</td></tr> <tr valign="bottom"><td align="left">Estimated credit losses as of June 30,</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,697</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">3,180</td></tr></table></div> <div> </div> </div></div> </div> <div> <div align="left">As of June 30, 2016, based on a review of the remaining securities in the securities portfolio, the Company concluded that it expects to recover its amortized cost basis for such securities. This conclusion was based on the issuers' continued satisfaction of the securities obligations in accordance with their contractual terms and the expectation that they will continue to do so through the maturity of the security, the expectation that the Company will receive the entire amount of future contractual cash flows, as well as the evaluation of the fundamentals of the issuers' financial condition and other objective evidence. Accordingly, the Company concluded that any declines in the values of those securities were temporary and that any additional OTTI charges were not appropriate at June 30, 2016. </div></div></div></div> <div> <div> <div> <div> <div> The following table summarizes the fair value of securities with continuous unrealized losses for less than 12 months and those that have been in a continuous unrealized loss position for 12 months or longer as of June 30, 2016 and December 31, 2015. All securities referenced are debt securities. <div align="left"> <div> <table style="height: 307px; width: 839px;" cellspacing="0" border="0"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr valign="bottom"><td width="15%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="20%" colspan="3" align="center">Less than 12 months</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="20%" colspan="3" align="center">12 months or longer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="center">Total</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center"> </td></tr> <tr valign="bottom"><td width="15%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="center">Estimated</td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center">Estimated</td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Estimated</td> <td width="9%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td></tr> <tr valign="bottom"><td width="15%" align="center">June 30, 2016</td> <td width="2%" align="right"> </td> <td width="6%" align="center">Fair</td> <td width="10%" align="center">Number of</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Unrealized</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Fair</td> <td width="10%" align="center">Number of</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Unrealized</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Fair</td> <td width="9%" align="center">Number of</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Unrealized</td></tr> <tr valign="bottom"><td width="15%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">Investments</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">Losses</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">Investments</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">Losses</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="center">Investments</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center">Losses</td></tr> <tr valign="bottom"><td width="15%" align="left">Description of Securities:</td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="15%" align="left">Mortgage-backed securities:</td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="15%" align="left">US Government-</td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="15%" align="center">sponsored enterprises</td> <td width="2%" align="right">$</td> <td width="6%" align="right">35,865</td> <td width="10%" align="center">42</td> <td width="2%" align="right">$</td> <td width="8%" align="right">224</td> <td width="2%" align="right">$</td> <td width="7%" align="right">9,678</td> <td width="10%" align="center">22</td> <td width="2%" align="right">$</td> <td width="8%" align="right">173</td> <td width="2%" align="right">$</td> <td width="8%" align="right">45,543</td> <td width="9%" align="center">64</td> <td width="2%" align="right">$</td> <td width="7%" align="right">397</td></tr> <tr valign="bottom"><td width="15%" align="left">US Government agency</td> <td width="2%" align="right"> </td> <td width="6%" align="right">7,619</td> <td width="10%" align="center">11</td> <td width="2%" align="right"> </td> <td width="8%" align="right">27</td> <td width="2%" align="right"> </td> <td width="7%" align="right">4,920</td> <td width="10%" align="center">16</td> <td width="2%" align="right"> </td> <td width="8%" align="right">70</td> <td width="2%" align="right"> </td> <td width="8%" align="right">12,539</td> <td width="9%" align="center">27</td> <td width="2%" align="right"> </td> <td width="7%" align="right">97</td></tr> <tr valign="bottom"><td width="15%" align="left">Private label</td> <td width="2%" align="right"> </td> <td width="6%" align="right">198</td> <td width="10%" align="center">2</td> <td width="2%" align="right"> </td> <td width="8%" align="right">10</td> <td width="2%" align="right"> </td> <td width="7%" align="right">159</td> <td width="10%" align="right">5</td> <td width="2%" align="right"> </td> <td width="8%" align="right">9</td> <td width="2%" align="right"> </td> <td width="8%" align="right">357</td> <td width="9%" align="right">7</td> <td width="2%" align="right"> </td> <td width="7%" align="right">19</td></tr> <tr valign="bottom"><td width="15%" align="left">Obligations of states and</td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="15%" align="center">political subdivisions</td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="15%" align="left">thereof</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">2,426</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">5</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">7</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">5,077</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">11</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">84</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">7,503</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="center">16</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">91</td></tr> <tr valign="bottom"><td width="15%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">46,108</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="center">60</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">268</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">19,834</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="center">54</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">336</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">65,942</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">114</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">604</td></tr></table></div></div> <div align="left"> </div></div> <div> <div> <div> <div> <div> <div align="left"> <table style="height: 335px; width: 837px;" cellspacing="0" border="0"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr valign="bottom"><td align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="center">Less than 12 months</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="center">12 months or longer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Total</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td colspan="2" align="center">Estimated</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="center">Estimated</td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="right">Estimated</td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="center">December 31, 2015</td> <td align="right"> </td> <td align="center">Fair</td> <td align="center">Number of</td> <td align="right"> </td> <td colspan="2" align="left">Unrealized</td> <td align="right"> </td> <td align="right">Fair</td> <td align="center">Number of</td> <td align="right"> </td> <td colspan="2" align="left">Unrealized</td> <td align="right"> </td> <td align="center">Fair</td> <td align="center">Number of</td> <td align="right"> </td> <td align="center">Unrealized</td></tr> <tr valign="bottom"><td align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Investments</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Losses</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Investments</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Losses</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Investments</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Losses</td></tr> <tr valign="bottom"><td align="left">Description of Securities:</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr><td colspan="18"> </td></tr> <tr valign="bottom"><td align="left">Mortgage-backed securities:</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">US Government-</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="center">sponsored enterprises</td> <td align="right">$</td> <td align="right">112,770</td> <td align="center">142</td> <td align="right">$</td> <td style="text-indent: 1px;" colspan="2" align="left">1,342</td> <td align="right">$</td> <td align="right">23,646</td> <td align="center">33</td> <td align="right"> </td> <td align="left">$</td> <td align="right">813</td> <td align="right">$</td> <td align="right">136,416</td> <td align="center">175</td> <td align="right">$</td> <td align="right">2,155</td></tr> <tr valign="bottom"><td align="right">US Government agency</td> <td align="right"> </td> <td align="right">20,201</td> <td align="center">30</td> <td align="right"> </td> <td align="left"> </td> <td align="right">326</td> <td align="right"> </td> <td align="right">11,232</td> <td align="center">22</td> <td align="right"> </td> <td align="left"> </td> <td align="right">221</td> <td align="right"> </td> <td align="right">31,433</td> <td align="center">52</td> <td align="right"> </td> <td align="right">547</td></tr> <tr valign="bottom"><td align="left">Private label</td> <td align="right"> </td> <td align="right">235</td> <td align="right">2</td> <td align="right"> </td> <td align="left"> </td> <td align="right">2</td> <td align="right"> </td> <td align="right">178</td> <td align="right">5</td> <td align="right"> </td> <td align="left"> </td> <td align="right">9</td> <td align="right"> </td> <td align="right">413</td> <td align="right">7</td> <td align="right"> </td> <td align="right">11</td></tr> <tr valign="bottom"><td align="left">Obligations of states and</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="center">political subdivisions</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">thereof</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">14,853</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">25</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">210</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">3,700</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">11</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">118</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">18,553</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">36</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">328</td></tr> <tr valign="bottom"><td align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">148,059</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">199</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" colspan="2" align="left">1,880</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">38,756</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">71</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" colspan="2" align="left">1,161</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">186,815</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">270</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">3,041</td></tr></table></div></div></div></div></div></div></div></div></div></div> For securities with unrealized losses, the following information was considered in determining that the impairments were not other-than-temporary: <div> <ul> <li>Mortgage-backed securities issued by U.S. Government-sponsored enterprises: As of June 30, 2016, the total unrealized losses on these securities amounted to $397, compared with $2,155 at December 31, 2015. All of these securities were credit rated "AA+" by the major credit rating agencies. Company management believes these securities have minimal credit risk, as these Government-sponsored enterprises play a vital role in the nation's financial markets. Management's analysis indicates that the unrealized losses at June 30, 2016 were attributed to changes in current market yields and pricing spreads for similar securities since the date the underlying securities were purchased, and does not consider these securities to be OTTI at June 30, 2016. </li></ul></div> <ul> <li>Mortgage-backed securities issued by U.S. Government agencies: As of June 30, 2016, the total unrealized losses on these securities amounted to $97, compared with $547 at December 31, 2015. All of these securities were credit rated "AA+" by the major credit rating agencies. Management's analysis indicates that these securities bear little or no credit risk because they are backed by the full faith and credit of the United States. The Company attributes the unrealized losses at June 30, 2016 to changes in current market yields and pricing spreads for similar securities since the date the underlying securities were purchased, and does not consider these securities to be OTTI at June 30, 2016.   </li> <li>Private label mortgage-backed securities: As of June 30, 2016, the total unrealized losses on the Bank's private label MBS amounted to $19, compared with $11 at December 31, 2015. The Company attributes the unrealized losses at June 30, 2016 to the current illiquid market for non-agency MBS, risk-related market pricing discounts for non-agency MBS and credit rating downgrades on certain private label MBS owned by the Company. Based upon the foregoing considerations and the expectation that the Company will receive all of the future contractual cash flows related to amortized cost on these securities, the Company does not consider there to be any additional OTTI with respect to these securities at June 30, 2016.   </li> <li>Obligations of states of the U.S. and political subdivisions thereof: As of June 30, 2016, the total unrealized losses on the Bank's municipal securities amounted to $91, compared with $328 at December 31, 2015. The Bank's municipal securities primarily consist of general obligation bonds and to a lesser extent, revenue bonds. General obligation bonds carry less risk, as they are supported by the full faith, credit and taxing authority of the issuing government and in the cases of school districts, are additionally supported by state aid. Revenue bonds are generally backed by municipal revenue streams generated through user fees or lease payments associated with specific municipal projects that have been financed. Municipal bonds are frequently supported with insurance, which guarantees that, in the event the issuer experiences financial problems, the insurer will step in and assume payment of both principal and interest. Historically, insurance support has strengthened an issuer's underlying credit rating to "AAA" or "AA" status. Starting in 2008, many of the insurance companies providing municipal bond insurance experienced financial difficulties and, accordingly, were downgraded by at least one of the major credit rating agencies. Consequently, a portion of the Bank's municipal bond portfolio was downgraded by at least one of the major credit rating agencies. Notwithstanding the credit rating downgrades, at June 30, 2016, the Bank's municipal bond portfolio did not contain any below investment grade securities as reported by major credit rating agencies. In addition, at June 30, 2016, all municipal bond issuers were current on contractually obligated interest and principal payments. The Company attributes the unrealized losses in municipal bonds at June 30, 2016 to changes in current market yields and pricing spreads for similar securities since the date the underlying securities were purchased and, to a lesser extent, changes in credit ratings on certain securities. The Company also attributes the unrealized losses to ongoing media attention and market concerns about municipal budget deficits and the prolonged recovery from the national economic recession and the impact it might have on the future financial stability of municipalities throughout the country. Notwithstanding the foregoing considerations, the Company does not consider these municipal securities to be other-than-temporarily impaired at June 30, 2016.</li></ul> <div> At June 30, 2016, the Company had no intent to sell nor believed it is more-likely-than-not that it would be required to sell any of its impaired securities as identified and discussed immediately above, and therefore did not consider these securities to be other than temporarily impaired as of that date.</div> <div>Securities Gains and Losses: The following table summarizes realized gains and losses on securities available for sale for the three and six months ended June 30, 2016 and 2015. </div> <div>  </div> <div> <div align="left"> <div> <div> <table style="height: 257px; width: 682px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">Proceeds</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="center">Other</td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">from Sale of</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="center">Than</td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">Securities</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="center">Temporary</td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">Available</td> <td align="right"> </td> <td align="center">Realized</td> <td align="center">Realized</td> <td align="center">Impairment</td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="right">for Sale</td> <td align="right"> </td> <td align="center">Gains</td> <td align="center">Losses</td> <td align="center">Losses</td> <td align="right"> </td> <td align="center">Net</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Three months ended June 30,</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 15px;" align="left">2016</td> <td align="right">$</td> <td align="center">23,142</td> <td align="right">$</td> <td align="right">1,699</td> <td align="center">$ ---</td> <td align="center">$ ---</td> <td align="right">$</td> <td align="center">1,699</td></tr> <tr valign="bottom"><td style="text-indent: 15px;" align="left">2015</td> <td align="right">$</td> <td align="center">11,487</td> <td align="right">$</td> <td align="right">587</td> <td align="center">$ ---</td> <td align="center">$ ---</td> <td align="right">$</td> <td align="center">587</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Six months ended June 30,</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 15px;" align="left">2016</td> <td align="right">$</td> <td align="center">44,655</td> <td align="right">$</td> <td align="right">3,135</td> <td align="center">$ ---</td> <td align="center">$ ---</td> <td align="right">$</td> <td align="center">3,135</td></tr> <tr valign="bottom"><td style="text-indent: 15px;" align="left">2015</td> <td align="right">$</td> <td align="center">20,428</td> <td align="right">$</td> <td align="right">1,206</td> <td align="center">$ ---</td> <td align="center">$ ---</td> <td align="right">$</td> <td align="center">1,206</td></tr></table></div></div></div></div> <div> <div> <div> <div> <div> <div> Visa Class B Common Shares: The Bank was a member of the Visa USA payment network and was issued Class B shares in connection with the Visa Reorganization and the Visa Inc. initial public offering in March 2008. The Visa Class B shares are transferable only under limited circumstances until they can be converted into shares of the publicly traded class of Visa stock. This conversion cannot happen until the settlement of certain litigation, which is indemnified by Visa members. Since its initial public offering, Visa has funded a litigation reserve based upon a change in the conversion ratio of Visa Class B shares into Visa Class A shares. At its discretion, Visa may continue to increase the conversion rate in connection with any settlements in excess of amounts then in escrow for that purpose and reduce the conversion rate to the extent that it adds any funds to the escrow in the future. Based on the existing transfer restriction and the uncertainty of the litigation, the Company has recorded its Visa Class B shares on its statements of condition at zero value for all reporting periods since 2008. At June 30, 2016, the Bank owned 11,623 of Visa Class B shares with a then current conversion ratio to Visa Class A shares of 1.648 (or 19,158 Visa Class A shares). Upon termination of the existing transfer restriction and settlement of the litigation, and to the extent that the Bank continues to own such Visa Class B shares in the future, the Company expects to record its Visa Class A shares at fair value.  </div></div></div></div></div></div> </div>

23747000

24131000

2016-05-05

492000

143000000

2000000000

3300000000

2200000000

2400000000

9800000

17038000

9720000

25867000

9720000

25867000

7238000

16147000

12719000

41529000

385000

97283000

24180000

25047000

385000

93974000

<div> <div class="MetaData"> <div class="MetaData"> Note 13: Commitments and Contingent Liabilities</div> <div> The Bank is a party to financial instruments in the normal course of business to meet financing needs of its customers. These financial instruments include commitments to extend credit, unused lines of credit, and standby letters of credit. Commitments to originate loans, including unused lines of credit, are agreements to lend to a customer provided there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank uses the same credit policy to make such commitments as it uses for on-balance-sheet items, such as loans. The Bank evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management's credit evaluation of the borrower. The Bank guarantees the obligations or performance of customers by issuing standby letters of credit to third parties. These standby letters of credit are primarily issued in support of third party debt or obligations. The risk involved in issuing standby letters of credit is essentially the same as the credit risk involved in extending loan facilities to customers, and they are subject to the same credit origination, portfolio maintenance and management procedures in effect to monitor other credit and off-balance sheet instruments. Exposure to credit loss in the event of non-performance by the counter-party to the financial instrument for standby letters of credit is represented by the contractual amount of those instruments. Typically, these standby letters of credit have terms of five years or less and expire unused; therefore, the total amounts do not necessarily represent future cash requirements. </div> <div> The following table summarizes the contractual amounts of commitments and contingent liabilities as of June 30, 2016, and December 31, 2015:</div> <div> <div> <div align="left"> <table style="height: 131px; width: 473px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">June 30,</td> <td align="right"> </td> <td align="center">December 31,</td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">2016</td> <td align="right"> </td> <td align="right">2015</td></tr> <tr><td colspan="5"> </td></tr> <tr valign="bottom"><td align="left">Commitments to originate loans</td> <td align="right">$</td> <td align="center">25,047</td> <td align="right">$</td> <td align="right">41,529</td></tr> <tr valign="bottom"><td align="left">Unused lines of credit</td> <td align="right">$</td> <td align="center">93,974</td> <td align="right">$</td> <td align="right">97,283</td></tr> <tr valign="bottom"><td align="left">Un-advanced portions of construction loans</td> <td align="right">$</td> <td align="center">24,180</td> <td align="right">$</td> <td align="right">12,719</td></tr> <tr valign="bottom"><td align="left">Standby letters of credit</td> <td align="right">$</td> <td align="center">385</td> <td align="right">$</td> <td align="right">385</td></tr></table></div></div> <div> As of June 30, 2016, and December 31, 2015, the fair value of the standby letters of credit was not significant to the Company's consolidated financial statements.</div></div></div> </div>

0.495

0.27

10000000

20000000

6788407

13577000

4407000

-564000

13579000

5737000

474791000

473404000

525102000

526690000

0.03

-19000

-8000

-14000

-7000

150000

62000

31000

64000

32000

117000

58000

114000

57000

36000

19000

36000

18000

291000

942787000

989816000

299087000

289820000

160394000

159015000

546058000

532958000

861000

788000

0.03

2069000

842000

76000

284000

83000

399000

842000

2021-06-02

2024-06-04

2021-10-21

2024-10-21

2016-09-15

2952000

3219000

27.5

2016-07-19

2016-08-15

1.30

0.65

1.45

0.72

1.28

0.64

1.43

0.71

<div> Note 6: Earnings Per Share Basic earnings per share excludes dilution and is computed by dividing income available to common shareholders by the weighted average number of common shares outstanding for the period. Diluted earnings per share reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the Company, such as the Company's dilutive stock options and awards. The following is a reconciliation of basic and diluted earnings per share for the three and six months ended June 30, 2016, and 2015: <div> <div> <div> <table style="height: 379px; width: 636px;" cellspacing="0" border="0"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="left"> </td> <td colspan="3" align="right">Three Months Ended</td> <td align="left"> </td> <td colspan="3" align="right">Six Months Ended</td></tr> <tr valign="bottom"><td align="left"> </td> <td align="left"> </td> <td colspan="3" align="center">June 30,</td> <td align="left"> </td> <td colspan="3" align="center">June 30,</td></tr> <tr valign="bottom"><td align="left"> </td> <td align="left"> </td> <td align="left">2016</td> <td align="left"> </td> <td align="left">2015</td> <td align="left"> </td> <td align="left">2016</td> <td align="left"> </td> <td align="left">2015</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Net income</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">4,311</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">3,873</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">8,717</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">7,754</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Weighted average common shares outstanding</td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Basic</td> <td align="left"> </td> <td align="right">6,021,316</td> <td colspan="2" align="right">5,973,758</td> <td align="left"> </td> <td align="right">6,015,257</td> <td colspan="2" align="right">5,963,704</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Effect of dilutive employee stock options</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">64,985</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">90,655</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">68,110</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">86,418</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Diluted</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">6,086,301</td> <td style="border-bottom: rgb(0,0,0) 3px double;" colspan="2" align="right">6,064,413</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">6,083,367</td> <td style="border-bottom: rgb(0,0,0) 3px double;" colspan="2" align="right">6,050,122</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Anti-dilutive options excluded from</td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="center">earnings per share calculation</td> <td align="left"> </td> <td align="right">75,763</td> <td align="left"> </td> <td align="right">10,950</td> <td align="left"> </td> <td align="right">80,263</td> <td align="left"> </td> <td align="right">11,197</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Per Common Share Data:</td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Basic earnings per share</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">0.72</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">0.65</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1.45</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1.30</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Diluted earnings per share</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">0.71</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">0.64</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1.43</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1.28</td></tr></table></div></div></div>   </div>

1145000

580000

1147000

558000

<div> <div> <table style="height: 101px; width: 593px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="center">Level 1</td> <td align="center">Level 2</td> <td align="right"> </td> <td align="right">Level 3</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">As of June 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Fair Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Loss</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Other real estate owned</td> <td align="center">$ ---</td> <td align="center">$ ---</td> <td align="right">$</td> <td align="right">209</td> <td align="right">$</td> <td align="center">209</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">47</td></tr> <tr valign="bottom"><td align="left">Collateral dependent impaired loans</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">$ ---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">$ ---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">2,769</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">2,769</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">---</td></tr></table></div>   <div> <table style="height: 122px; width: 592px;" cellspacing="0" border="0"> <tr><td width="33%"> </td> <td width="11%"> </td> <td width="11%"> </td> <td width="3%"> </td> <td width="11%"> </td> <td width="3%"> </td> <td width="15%"> </td> <td width="3%"> </td> <td width="7%"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="center">Level 1</td> <td align="center">Level 2</td> <td align="right"> </td> <td align="right">Level 3</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">As of December 31, 2015</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Fair Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Loss</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Other real estate owned</td> <td align="center">$ ---</td> <td align="center">$ ---</td> <td align="right">$</td> <td align="right">256</td> <td align="right">$</td> <td align="center">256</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">27</td></tr> <tr valign="bottom"><td align="left">Collateral dependent impaired loans</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">$ ---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">$ ---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,999</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">1,999</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">---</td></tr></table></div>   </div>

<div> <div> <table style="height: 275px; width: 675px;" cellspacing="0" border="0"> <tr valign="bottom"><td width="37%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center">Carrying</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Level 1</td> <td width="2%" align="center"> </td> <td width="10%" align="center">Level 2</td> <td width="3%" align="center"> </td> <td width="12%" align="center">Level 3</td> <td width="2%" align="center"> </td> <td width="10%" align="center">Total</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="37%" align="center">June 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">Fair Value</td></tr> <tr valign="bottom"><td width="37%" align="left">Financial Assets:</td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="3%" align="right"> </td> <td width="12%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="37%" align="left">Cash and cash equivalents</td> <td width="2%" align="right">$</td> <td width="10%" align="right">25,867</td> <td width="2%" align="right">$</td> <td width="8%" align="right">25,867</td> <td width="2%" align="right">$</td> <td width="10%" align="right">--</td> <td width="3%" align="right">$</td> <td width="12%" align="right">--</td> <td width="2%" align="right">$</td> <td width="10%" align="right">25,867</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="37%" align="left">Federal Home Loan Bank stock</td> <td width="2%" align="right"> </td> <td width="10%" align="right">26,713</td> <td width="2%" align="right"> </td> <td width="8%" align="right">--</td> <td width="2%" align="right"> </td> <td width="10%" align="right">26,713</td> <td width="3%" align="right"> </td> <td width="12%" align="right">--</td> <td width="2%" align="right"> </td> <td width="10%" align="right">26,713</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="37%" align="left">Loans, net</td> <td width="2%" align="right"> </td> <td width="10%" align="right">1,039,131</td> <td width="2%" align="right"> </td> <td width="8%" align="right">--</td> <td width="2%" align="right"> </td> <td width="10%" align="right">--</td> <td width="3%" align="right"> </td> <td width="12%" align="right">1,041,964</td> <td width="2%" align="right"> </td> <td width="10%" align="right">1,041,964</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="37%" align="left">Interest receivable</td> <td width="2%" align="right"> </td> <td width="10%" align="right">6,252</td> <td width="2%" align="right"> </td> <td width="8%" align="right">--</td> <td width="2%" align="right"> </td> <td width="10%" align="right">6,252</td> <td width="3%" align="right"> </td> <td width="12%" align="right">--</td> <td width="2%" align="right"> </td> <td width="10%" align="right">6,252</td></tr> <tr><td width="98%" colspan="11"> </td></tr> <tr valign="bottom"><td width="37%" align="left">Financial liabilities:</td> <td width="2%" align="left"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="3%" align="right"> </td> <td width="12%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="37%" align="left">Deposits (with no stated maturity)</td> <td width="2%" align="right">$</td> <td width="10%" align="right">532,958</td> <td style="text-indent: 1px;" width="2%" align="right">$</td> <td width="8%" align="right">--</td> <td width="2%" align="right">$</td> <td width="10%" align="right">532,958</td> <td width="3%" align="right">$</td> <td width="12%" align="right">--</td> <td width="2%" align="right">$</td> <td width="10%" align="right">532,958</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="37%" align="left">Time deposits</td> <td width="2%" align="left"> </td> <td width="10%" align="right">456,858</td> <td width="2%" align="right"> </td> <td width="8%" align="right">--</td> <td width="2%" align="right"> </td> <td width="10%" align="right">461,990</td> <td width="3%" align="right"> </td> <td width="12%" align="right">--</td> <td width="2%" align="right"> </td> <td width="10%" align="right">461,990</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="37%" align="left">Borrowings</td> <td width="2%" align="left"> </td> <td width="10%" align="right">525,102</td> <td width="2%" align="right"> </td> <td width="8%" align="right">--</td> <td width="2%" align="right"> </td> <td width="10%" align="right">526,690</td> <td width="3%" align="right"> </td> <td width="12%" align="right">--</td> <td width="2%" align="right"> </td> <td width="10%" align="right">526,690</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="37%" align="left">Interest payable</td> <td width="2%" align="left"> </td> <td width="10%" align="right">562</td> <td width="2%" align="right"> </td> <td width="8%" align="right">--</td> <td width="2%" align="right"> </td> <td width="10%" align="right">562</td> <td width="3%" align="right"> </td> <td width="12%" align="right">--</td> <td width="2%" align="right"> </td> <td width="10%" align="right">562</td></tr></table></div>   <div> <table cellspacing="0" border="0"> <tr><td width="36%"> </td> <td width="2%"> </td> <td width="15%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="10%"> </td> <td width="2%"> </td> <td width="9%"> </td> <td width="2%"> </td> <td width="9%"> </td></tr> <tr valign="bottom"><td width="36%" align="center"> </td> <td width="2%" align="center"> </td> <td width="15%" align="center">Carrying</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Level 1</td> <td width="2%" align="center"> </td> <td width="10%" align="center">Level 2</td> <td width="2%" align="center"> </td> <td width="9%" align="center">Level 3</td> <td width="2%" align="center"> </td> <td width="9%" align="center">Total</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="36%" align="center">December 31, 2015</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="15%" align="center">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="center">Fair Value</td></tr> <tr valign="bottom"><td width="36%" align="left">Financial Assets:</td> <td width="2%" align="right"> </td> <td width="15%" align="left"> </td> <td width="2%" align="left"> </td> <td width="8%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="left"> </td> <td width="9%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="36%" align="left">Cash and cash equivalents</td> <td width="2%" align="right">$</td> <td width="15%" align="right">9,720</td> <td width="2%" align="right">$</td> <td width="8%" align="right">9,720</td> <td width="2%" align="right">$</td> <td width="10%" align="right">--</td> <td width="2%" align="right">$</td> <td width="9%" align="right">--</td> <td style="text-indent: 1px;" width="2%" align="right">$</td> <td width="9%" align="right">9,720</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="36%" align="left">Federal Home Loan Bank stock</td> <td width="2%" align="right"> </td> <td width="15%" align="right">21,479</td> <td width="2%" align="right"> </td> <td width="8%" align="right">--</td> <td width="2%" align="right"> </td> <td width="10%" align="right">21,479</td> <td width="2%" align="right"> </td> <td width="9%" align="right">--</td> <td width="2%" align="right"> </td> <td width="9%" align="right">21,479</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="36%" align="left">Loans, net</td> <td width="2%" align="right"> </td> <td width="15%" align="right">980,631</td> <td width="2%" align="right"> </td> <td width="8%" align="right">--</td> <td width="2%" align="right"> </td> <td width="10%" align="right">--</td> <td width="2%" align="right"> </td> <td width="9%" align="right">975,610</td> <td width="2%" align="right"> </td> <td width="9%" align="right">975,610</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="36%" align="left">Interest receivable</td> <td width="2%" align="right"> </td> <td width="15%" align="right">5,420</td> <td width="2%" align="right"> </td> <td width="8%" align="right">--</td> <td width="2%" align="right"> </td> <td width="10%" align="right">5,420</td> <td width="2%" align="right"> </td> <td width="9%" align="right">--</td> <td width="2%" align="right"> </td> <td width="9%" align="right">5,420</td></tr> <tr><td width="97%" colspan="11"> </td></tr> <tr valign="bottom"><td width="36%" align="left">Financial liabilities:</td> <td width="2%" align="right"> </td> <td width="15%" align="left"> </td> <td width="2%" align="left"> </td> <td width="8%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="9%" align="left"> </td> <td width="2%" align="left"> </td> <td width="9%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="36%" align="left">Deposits (with no stated maturity)</td> <td width="2%" align="right">$</td> <td width="15%" align="right">546,058</td> <td width="2%" align="right">$</td> <td width="8%" align="right">--</td> <td width="2%" align="right">$</td> <td width="10%" align="right">546,058</td> <td width="2%" align="right">$</td> <td width="9%" align="right">--</td> <td width="2%" align="right">$</td> <td width="9%" align="right">546,058</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="36%" align="left">Time deposits</td> <td width="2%" align="right"> </td> <td width="15%" align="right">396,729</td> <td width="2%" align="right"> </td> <td width="8%" align="right">--</td> <td width="2%" align="right"> </td> <td width="10%" align="right">399,146</td> <td width="2%" align="right"> </td> <td width="9%" align="right">--</td> <td width="2%" align="right"> </td> <td width="9%" align="right">399,146</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="36%" align="left">Borrowings</td> <td width="2%" align="right"> </td> <td width="15%" align="right">474,791</td> <td width="2%" align="right"> </td> <td width="8%" align="right">--</td> <td width="2%" align="right"> </td> <td width="10%" align="right">473,404</td> <td width="2%" align="right"> </td> <td width="9%" align="right">--</td> <td width="2%" align="right"> </td> <td width="9%" align="right">473,404</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="36%" align="left">Interest payable</td> <td width="2%" align="right"> </td> <td width="15%" align="right">527</td> <td width="2%" align="right"> </td> <td width="8%" align="right">--</td> <td width="2%" align="right"> </td> <td width="10%" align="right">527</td> <td width="2%" align="right"> </td> <td width="9%" align="right">--</td> <td width="2%" align="right"> </td> <td width="9%" align="right">527</td></tr></table></div> </div>

<div> Note 15: Fair Value Measurements The Company measures fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. The price in the principal (or most advantageous) market used to measure the fair value of the asset or liability shall not be adjusted for transaction costs. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets and liabilities; it is not a forced transaction. Market participants are buyers and sellers in the principal market that are (i) independent, (ii) knowledgeable, (iii) able to transact, and (iv) willing to transact. The Company's fair value measurements employ valuation techniques that are consistent with the market approach, the income approach and/or the cost approach. The market approach uses prices and other relevant information generated by market transactions involving identical or comparable assets and liabilities. The income approach uses valuation techniques to convert future amounts, such as cash flows or earnings, to a single present amount on a discounted basis. The cost approach is based on the amount that currently would be required to replace the servicing capacity of an asset (replacement cost). Valuation techniques are consistently applied. Inputs to valuation techniques refer to the assumptions that market participants would use in pricing the asset or liability. Inputs may be observable, meaning those that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from independent sources, or unobservable, meaning those that reflect the reporting entity's own assumptions about the assumptions market participants would use in pricing the asset or liability developed based on the best information available in the circumstances. The Company uses a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets (Level 1 measurements) for identical assets or liabilities and the lowest priority to unobservable inputs (Level 3 measurements). The fair value hierarchy is as follows: <ul> <li>Level 1– Valuation is based on unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. </li> <li>Level 2– Valuation is based on quoted prices for similar instruments in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, and model-based techniques for which all significant assumptions are observable in the market. </li> <li>Level 3– Valuation is principally generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates that market participants would use in pricing the asset or liability. Valuation techniques include use of discounted cash flow models and similar techniques.</li></ul> The level in the fair value hierarchy within which the fair value measurement in its entirety falls is determined based on the lowest level input that is significant to the fair value measurement in its entirety. The most significant instruments that the Company values are securities, all of which fall into Level 2 in the fair value hierarchy. The securities in the available for sale portfolio are priced by independent providers. In obtaining such valuation information from third parties, the Company has evaluated their valuation methodologies used to develop the fair values in order to determine whether valuations are appropriately placed within the fair value hierarchy and whether the valuations are representative of an exit price in the Company's principal markets. The Company's principal markets for its securities portfolios are the secondary institutional markets, with an exit price that is predominantly reflective of bid level pricing in those markets. Additionally, the Company periodically tests the reasonableness of the prices provided by these third parties by obtaining fair values from other independent providers and by obtaining desk bids from a variety of institutional brokers. 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. Securities Available for Sale: All securities and major categories of securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from independent pricing providers. The fair value measurements used by the pricing providers consider observable data that may include dealer quotes, market maker quotes and live trading systems. If quoted prices are not readily available, fair values are determined using matrix pricing models, or other model-based valuation techniques requiring observable inputs other than quoted prices such as market pricing spreads, credit information, callable features, cash flows, the U.S. Treasury yield curve, trade execution data, market consensus prepayment speeds, default rates, and the securities' terms and conditions, among other things. <div> The foregoing valuation methodologies may produce fair value calculations that may not be fully indicative of net realizable value or reflective of future fair values. While Company management believes these 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. The following tables summarize financial assets and financial liabilities measured at fair value on a recurring basis as of June 30, 2016, and December 31, 2015, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value:</div> <div> <div> <div> <div> <div align="left"> <div> <table style="height: 170px; width: 570px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="center">Level 1</td> <td align="right"> </td> <td style="text-indent: 1px;" align="left">Level 2</td> <td align="center">Level 3</td> <td align="right"> </td> <td align="center">Total Fair</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">June 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Value</td></tr> <tr valign="bottom"><td align="left">Securities available for sale:</td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Mortgage-backed securities:</td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">US Government-sponsored enterprises</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">332,980</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">332,980</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">US Government agencies</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">82,368</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">82,368</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">Private label</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">1,327</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">1,327</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Obligations of states and political subdivisions thereof</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">115,915</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">115,915</td></tr> <tr valign="bottom"><td align="left">Derivative assets</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">842</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">842</td></tr></table></div></div> <div align="left"> </div></div></div></div> <div> <div> <div align="left"> <table style="height: 170px; width: 577px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="center">Level 1</td> <td align="right"> </td> <td align="left">Level 2</td> <td align="center">Level 3</td> <td align="right"> </td> <td align="center">Total Fair</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">December 31, 2015</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Value</td></tr> <tr valign="bottom"><td align="left">Securities available for sale:</td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Mortgage-backed securities:</td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">US Government-sponsored enterprises</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">306,993</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">306,993</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">US Government agencies</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">79,130</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">79,130</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">Private label</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">3,464</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">3,464</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Obligations of states and political subdivisions thereof</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">115,382</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">115,382</td></tr> <tr valign="bottom"><td align="left">Derivative assets</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">2,069</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">2,069</td></tr></table></div></div></div></div> <div> </div> <div> The following tables present the carrying value of certain financial assets and financial liabilities measured at fair value on a non-recurring basis, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value. <div> <div> <div align="left"> <table style="height: 118px; width: 455px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="center">Level 1</td> <td align="center">Level 2</td> <td align="right"> </td> <td align="center">Level 3</td> <td align="right"> </td> <td style="text-indent: 3px;" align="left">Fair</td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">As of June 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">Loss</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Other real estate owned</td> <td align="center">$ ---</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">209</td> <td align="right">$</td> <td style="text-indent: 3px;" align="left">209</td> <td align="right">$</td> <td align="right">47</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">Collateral dependent impaired loans</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">$ ---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">$ ---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">2,769</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">2,769</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">---</td></tr></table></div> <div align="left"> </div></div></div></div> <div> <div align="left"> <table style="height: 101px; width: 457px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="center">Level 1</td> <td align="center">Level 2</td> <td align="right"> </td> <td align="center">Level 3</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">As of December 31, 2015</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Fair Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">Loss</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Other real estate owned</td> <td align="center">$ ---</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">256</td> <td align="right">$</td> <td style="text-indent: 3px;" align="left">256</td> <td align="right">$</td> <td align="right">27</td></tr> <tr valign="bottom"><td align="left">Collateral dependent impaired loans</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">$ ---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">$ ---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">1,999</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">1,999</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">---</td></tr></table></div></div> <div> <div>   <div> The Company had total collateral dependent impaired loans with carrying values of $2,769 and $1,999 which had specific reserves included in the allowance of $307 and $312, at June 30, 2016 and December 31, 2015, respectively. The Company measures the value of collateral dependent impaired loans using Level 3 inputs. Specifically, the Company uses the appraised value of the collateral, which is then discounted for estimated costs to dispose and other considerations. These discounts generally range from 10% to 30% of appraised value.</div> <div> In estimating the fair value of OREO, the Company generally uses market appraisals less estimated costs to dispose of the property, which generally range from 10% to 30% of appraised value. Management may also make adjustments to reflect estimated fair value declines, or may apply other discounts to appraised values for unobservable factors resulting from its knowledge of the property or consideration of broker quotes. The appraisers use a market, income, and/or a cost approach in determining the value of the collateral. Therefore they have been categorized as a Level 3 measurement. There were no transfers between levels during the periods presented.</div></div> </div> <div> </div> </div>

411000

210000

435000

218000

135882000

174624000

21479000

26713000

768000

402000

830000

430000

453000

255000

463000

252000

1930000

985000

1903000

955000

<div> <div> Note 16: Fair Value of Financial Instruments The Company discloses fair value information about financial instruments for which it is practicable to estimate fair value. Fair value estimates are made as of a specific point in time based on the characteristics of the financial instruments and relevant market information. Where available, quoted market prices are used. In other cases, fair values are based on estimates using present value or other valuation techniques. These techniques involve uncertainties and are significantly affected by the assumptions used and judgments made regarding risk characteristics of various financial instruments, discount rates, estimates of future cash flows, future expected loss experience and other factors. Changes in assumptions could significantly affect these estimates. Derived fair value estimates cannot be substantiated by comparison to independent markets and, in certain cases, could not be realized in an immediate sale of the instrument. Fair value estimates are based on existing financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Accordingly, the aggregate fair value amounts presented do not purport to represent the underlying market value of the Company. The following describes the methods and significant assumptions used by the Company in estimating the fair values of significant financial instruments: Cash and Cash Equivalents: For cash and cash equivalents, including cash and due from banks and other short-term investments with maturities of 90 days or less, the carrying amounts reported on the consolidated balance sheet approximate fair values. Federal Home Loan Bank Stock: For Federal Home Loan Bank stock, the carrying amounts report on the consolidated balance sheet approximate fair values. Loans: For variable rate loans that re-price frequently and have no significant change in credit risk, fair values are based on carrying values. The fair value of other loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. Deposits: The fair value of deposits with no stated maturity is equal to the carrying amount. The fair value of time deposits is based on the discounted value of contractual cash flows, applying interest rates currently being offered on wholesale funding products of similar maturities. The fair value estimates for deposits do not include the benefit that results from the low-cost funding provided by the deposit liabilities compared to the cost of alternative forms of funding ("deposit base intangibles"). Borrowings: For borrowings that mature or re-price in 90 days or less, carrying value approximates fair value. The fair value of the Company's remaining borrowings is estimated by using discounted cash flows based on current rates available for similar types of borrowing arrangements taking into account any optionality. Accrued Interest Receivable and Payable: The carrying amounts of accrued interest receivable and payable approximate their fair values. Off-Balance Sheet Financial Instruments: The Company's off-balance sheet instruments consist of loan commitments and standby letters of credit. Fair values for standby letters of credit were insignificant.</div> A summary of the carrying values and estimated fair values of the Company's significant financial instruments at June 30, 2016 and December 31, 2015, follows: <div> <div> <div> <div> <div> <div> <table style="height: 274px; width: 702px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="left"> </td> <td align="center">Carrying</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Level 1</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Level 2</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Level 3</td> <td align="center"> </td> <td align="center">Total</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">June 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Fair Value</td></tr> <tr valign="bottom"><td align="left">Financial Assets:</td> <td align="left"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Cash and cash equivalents</td> <td align="left">$</td> <td align="right">25,867</td> <td align="left">$</td> <td align="right"> </td> <td align="right">25,867</td> <td align="left">$</td> <td align="right">-</td> <td align="right">--</td> <td align="right">$</td> <td align="right">-</td> <td align="right">--</td> <td align="left">$</td> <td align="right">25,867</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Federal Home Loan Bank stock</td> <td align="left"> </td> <td align="right">26,713</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right"> </td> <td align="right">26,713</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right">26,713</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Loans, net</td> <td align="left"> </td> <td align="right">1,039,131</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right"> </td> <td align="right">1,041,964</td> <td align="left"> </td> <td align="right">1,041,964</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Interest receivable</td> <td align="left"> </td> <td align="right">6,252</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right"> </td> <td align="right">6,252</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right">6,252</td></tr> <tr><td colspan="14"> </td></tr> <tr valign="bottom"><td align="left">Financial liabilities:</td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Deposits (with no stated maturity)</td> <td align="left">$</td> <td align="right">532,958</td> <td style="text-indent: 1px;" align="left">$</td> <td align="right">-</td> <td align="right">--</td> <td align="left">$</td> <td align="right"> </td> <td align="right">532,958</td> <td align="right">$</td> <td align="right">-</td> <td align="right">--</td> <td align="left">$</td> <td align="right">532,958</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Time deposits</td> <td align="left"> </td> <td align="right">456,858</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right"> </td> <td align="right">461,990</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right">461,990</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Borrowings</td> <td align="left"> </td> <td align="right">525,102</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right"> </td> <td align="right">526,690</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right">526,690</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Interest payable</td> <td align="left"> </td> <td align="right">562</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right"> </td> <td align="right">562</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right">562</td></tr></table></div></div></div> <div> </div></div></div></div> <div> <div> <div align="left"> <table style="height: 318px; width: 707px;" cellspacing="0" border="0"> <tr><td width="31%"> </td> <td width="4%"> </td> <td width="13%"> </td> <td width="4%"> </td> <td width="5%"> </td> <td width="2%"> </td> <td width="10%"> </td> <td width="4%"> </td> <td width="11%"> </td> <td width="2%"> </td> <td width="13%"> </td></tr> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr><td align="left"> </td> <td align="center"> </td> <td align="center">Carrying</td> <td align="center"> </td> <td align="center">Level 1</td> <td align="center"> </td> <td align="center">Level 2</td> <td align="center"> </td> <td align="center">Level 3</td> <td align="center"> </td> <td align="center">Total</td></tr> <tr><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 10pt;" align="left">December 31, 2015</td> <td align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Value</td> <td align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Fair Value</td></tr> <tr><td align="left">Financial Assets:</td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="31%" align="left">Cash and cash equivalents</td> <td width="4%" align="right">$</td> <td width="13%" align="right">9,720</td> <td width="4%" align="left">$</td> <td width="5%" align="right">9,720</td> <td width="2%" align="left">$</td> <td width="10%" align="right">--</td> <td width="4%" align="right">$</td> <td width="11%" align="right">--</td> <td width="2%" align="right">$</td> <td width="13%" align="right">9,720</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="31%" align="left">Federal Home Loan Bank stock</td> <td width="4%" align="right"> </td> <td width="13%" align="right">21,479</td> <td width="4%" align="left"> </td> <td width="5%" align="right">--</td> <td width="2%" align="left"> </td> <td width="10%" align="right">21,479</td> <td width="4%" align="left"> </td> <td width="11%" align="right">--</td> <td width="2%" align="right"> </td> <td width="13%" align="right">21,479</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="31%" align="left">Loans, net</td> <td width="4%" align="right"> </td> <td width="13%" align="right">980,631</td> <td width="4%" align="left"> </td> <td width="5%" align="right">--</td> <td width="2%" align="left"> </td> <td width="10%" align="center">--</td> <td width="4%" align="left"> </td> <td width="11%" align="right">975,610</td> <td width="2%" align="right"> </td> <td width="13%" align="right">975,610</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="31%" align="left">Interest receivable</td> <td width="4%" align="right"> </td> <td width="13%" align="right">5,420</td> <td width="4%" align="left"> </td> <td width="5%" align="right">--</td> <td width="2%" align="left"> </td> <td width="10%" align="right">5,420</td> <td width="4%" align="left"> </td> <td width="11%" align="right">--</td> <td width="2%" align="right"> </td> <td width="13%" align="right">5,420</td></tr> <tr><td width="99%" colspan="11"> </td></tr> <tr valign="bottom"><td width="31%" align="right">Financial liabilities:</td> <td width="4%" align="right"> </td> <td width="13%" align="left"> </td> <td width="4%" align="left"> </td> <td width="5%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="4%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="right"> </td> <td width="13%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="31%" align="left">Deposits (with no stated maturity)</td> <td width="4%" align="right">$</td> <td width="13%" align="right">546,058</td> <td width="4%" align="left">$</td> <td width="5%" align="right">--</td> <td width="2%" align="left">$</td> <td width="10%" align="right">546,058</td> <td width="4%" align="right">$</td> <td width="11%" align="right">--</td> <td width="2%" align="right">$</td> <td width="13%" align="right">546,058</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="31%" align="left">Time deposits</td> <td width="4%" align="right"> </td> <td width="13%" align="right">396,729</td> <td width="4%" align="left"> </td> <td width="5%" align="right">--</td> <td width="2%" align="left"> </td> <td width="10%" align="right">399,146</td> <td width="4%" align="left"> </td> <td width="11%" align="right">--</td> <td width="2%" align="right"> </td> <td width="13%" align="right">399,146</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="31%" align="left">Borrowings</td> <td width="4%" align="right"> </td> <td width="13%" align="right">474,791</td> <td width="4%" align="left"> </td> <td width="5%" align="right">--</td> <td width="2%" align="left"> </td> <td width="10%" align="right">473,404</td> <td width="4%" align="left"> </td> <td width="11%" align="right">--</td> <td width="2%" align="right"> </td> <td width="13%" align="right">473,404</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="31%" align="left">Interest payable</td> <td width="4%" align="right"> </td> <td width="13%" align="right">527</td> <td width="4%" align="left"> </td> <td width="5%" align="right">--</td> <td width="2%" align="left"> </td> <td width="10%" align="right">527</td> <td width="4%" align="left"> </td> <td width="11%" align="right">--</td> <td width="2%" align="right"> </td> <td width="13%" align="right">527</td></tr></table></div></div></div> </div>

8969000

277000

145000

71000

929000

4468000

94000

271000

2714000

9478000

334000

107000

76000

1074000

4500000

145000

367000

2875000

9099000

372000

145000

79000

1147000

4289000

110000

472000

2485000

9439000

307000

184000

47000

1236000

4246000

111000

561000

2747000

9814000

365000

231000

50000

1233000

4667000

108000

539000

2621000

9891000

383000

195000

51000

1267000

4665000

100000

547000

2683000

8423000

325000

145000

79000

978000

3870000

110000

471000

2445000

9066000

307000

126000

47000

1061000

4203000

111000

561000

2650000

9521000

383000

135000

51000

1092000

4622000

62000

547000

2629000

676000

47000

169000

419000

1000

40000

373000

58000

175000

43000

97000

370000

60000

175000

43000

38000

54000

193000

12000

2000

39000

11000

129000

304000

18000

36000

98000

22000

1000

129000

10000

1000

5000

4000

100000

40000

4000

13000

2000

28000

26000

3000

7000

1000

8000

958000

18000

288000

206000

25000

351000

70000

1619000

72000

323000

667000

111000

376000

70000

789000

213000

181000

14000

311000

70000

263000

90000

34000

17000

122000

99000

1000

7000

91000

977045000

33368000

33160000

16146000

87733000

351137000

11132000

51794000

392575000

984227000

30897000

23815000

15244000

79485000

368779000

9690000

51512000

404805000

1043456000

32954000

24654000

16352000

80440000

387597000

6939000

49127000

445393000

<div> <div> <table cellspacing="0" border="0"> <tr><td width="20%"> </td> <td width="3%"> </td> <td width="13%"> </td> <td width="3%"> </td> <td width="13%"> </td> <td width="3%"> </td> <td width="14%"> </td> <td width="3%"> </td> <td width="14%"> </td> <td width="3%"> </td> <td width="9%"> </td></tr> <tr valign="bottom"><td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Commercial</td> <td align="center"> </td> <td align="center">Agricultural</td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td align="center"> </td> <td align="center"> </td> <td align="center">Commercial</td> <td align="center"> </td> <td align="center">Commercial</td> <td align="center"> </td> <td align="center">construction</td> <td align="center"> </td> <td align="center">and other</td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td align="center"> </td> <td align="center"> </td> <td align="center">real estate</td> <td align="center"> </td> <td align="center">and</td> <td align="center"> </td> <td align="center">and land</td> <td align="center"> </td> <td align="center">loans to</td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">June 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">mortgages</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">industrial</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">development</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">farmers</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="center">Total</td></tr> <tr valign="bottom"><td align="left">Pass</td> <td align="right">$</td> <td align="right">364,130</td> <td align="right">$</td> <td align="right">76,628</td> <td align="right">$</td> <td align="right">24,654</td> <td align="right">$</td> <td align="right">32,507</td> <td align="right">$</td> <td align="right">497,919</td></tr> <tr valign="bottom"><td align="left">Other Assets Especially</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">Mentioned</td> <td align="right"> </td> <td align="right">10,381</td> <td align="right"> </td> <td align="right">1,838</td> <td align="right"> </td> <td align="right">---</td> <td align="right"> </td> <td align="right">289</td> <td align="right"> </td> <td align="right">12,508</td></tr> <tr valign="bottom"><td align="left">Substandard</td> <td align="right"> </td> <td align="right">15,509</td> <td align="right"> </td> <td align="right">2,281</td> <td align="right"> </td> <td align="center">813</td> <td align="right"> </td> <td align="right">285</td> <td align="right"> </td> <td align="right">18,888</td></tr> <tr valign="bottom"><td align="left">Doubtful</td> <td align="right"> </td> <td align="right">---</td> <td align="right"> </td> <td align="right">---</td> <td align="right"> </td> <td align="right">---</td> <td align="right"> </td> <td align="right">---</td> <td align="right"> </td> <td align="right">---</td></tr> <tr valign="bottom"><td align="left">Loss</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">13</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">2</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">15</td></tr> <tr valign="bottom"><td align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">390,033</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">80,749</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">25,467</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">33,081</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">529,330</td></tr></table></div>   <div> <table cellspacing="0" border="0"> <tr><td width="20%"> </td> <td width="3%"> </td> <td width="13%"> </td> <td width="3%"> </td> <td width="13%"> </td> <td width="3%"> </td> <td width="14%"> </td> <td width="3%"> </td> <td width="14%"> </td> <td width="3%"> </td> <td width="9%"> </td></tr> <tr valign="bottom"><td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Commercial</td> <td align="center"> </td> <td align="center">Agricultural</td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td align="center"> </td> <td align="center"> </td> <td align="center">Commercial</td> <td align="center"> </td> <td align="center">Commercial</td> <td align="center"> </td> <td align="center">construction</td> <td align="center"> </td> <td align="center">and other</td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td align="center"> </td> <td align="center"> </td> <td align="center">real estate</td> <td align="center"> </td> <td align="center">and</td> <td align="center"> </td> <td align="center">and land</td> <td align="center"> </td> <td align="center">loans to</td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">December 31, 2015</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">mortgages</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">industrial</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">development</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">farmers</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="center">Total</td></tr> <tr valign="bottom"><td align="left">Pass</td> <td align="right">$</td> <td align="right">345,197</td> <td align="right">$</td> <td align="right">74,771</td> <td align="right">$</td> <td align="right">23,460</td> <td align="right">$</td> <td align="right">30,688</td> <td align="right">$</td> <td align="right">474,116</td></tr> <tr valign="bottom"><td align="left">Other Assets Especially</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">Mentioned</td> <td align="right"> </td> <td align="right">7,381</td> <td align="right"> </td> <td align="right">2,349</td> <td align="right"> </td> <td align="right">355</td> <td align="right"> </td> <td align="right">168</td> <td align="right"> </td> <td align="right">10,253</td></tr> <tr valign="bottom"><td align="left">Substandard</td> <td align="right"> </td> <td align="right">18,424</td> <td align="right"> </td> <td align="right">2,790</td> <td align="right"> </td> <td align="right">1,111</td> <td align="right"> </td> <td align="right">147</td> <td align="right"> </td> <td align="right">22,472</td></tr> <tr valign="bottom"><td align="left">Doubtful</td> <td align="right"> </td> <td align="right">---</td> <td align="right"> </td> <td align="right">---</td> <td align="right"> </td> <td align="right">---</td> <td align="right"> </td> <td align="right">---</td> <td align="right"> </td> <td align="right">---</td></tr> <tr valign="bottom"><td align="left">Loss</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">1</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">1</td></tr> <tr valign="bottom"><td align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">371,002</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">79,911</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">24,926</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">31,003</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">506,842</td></tr></table></div> </div>

6076000

166000

1260000

469000

2992000

9000

1180000

5739000

106000

1111000

426000

2223000

8000

18000

1847000

5435000

127000

813000

309000

2436000

7000

203000

1540000

1283000

17000

1266000

17000

1266000

794000

443000

25000

443000

418000

30000

1285000

18000

1267000

18000

1267000

795000

455000

30000

455000

425000

30000

3162000

3387000

826000

879000

28000

3000

28000

25000

81000

983690000

30918000

23815000

9632000

15244000

79630000

370375000

50488000

403588000

1043155000

32987000

24654000

6909000

16352000

80525000

388753000

49274000

443701000

6980000

16000

1111000

10000

292000

1279000

820000

6980000

3452000

5472000

813000

91000

190000

1087000

134000

5472000

3157000

6276000

85000

1111000

66000

281000

627000

1744000

810000

3722000

1042000

3064000

12000

70000

3000

1111000

66000

9000

1000

271000

99000

287000

241000

245000

797000

1313000

452000

1299000

5736000

94000

813000

37000

224000

1280000

2414000

902000

2420000

56000

3232000

13000

81000

813000

34000

1000

2000

4000

30000

190000

844000

103000

333000

31000

15000

10000

1488000

753000

991000

783000

313000

359000

92000

470000

424000

1206000

587000

3135000

1699000

27000

47000

1777000

4935000

<div> <div> Goodwill and Identifiable Intangible Assets: In connection with acquisitions, the Company generally records as assets on its consolidated financial statements both goodwill and identifiable intangible assets, such as core deposit intangibles. The Company evaluates whether the carrying value of its goodwill has become impaired, in which case the value is reduced through a charge to its earnings. Goodwill is evaluated for impairment at least annually, or upon a triggering event using certain fair value techniques. Goodwill impairment testing is performed at the segment (or "reporting unit") level. Goodwill is assigned to reporting units at the date the goodwill is initially recorded. Once goodwill has been assigned to the reporting units, it no longer retains its association with a particular acquisition, and all of the activities within a reporting unit, whether acquired or organically grown, are available to support the value of the goodwill. Goodwill represents the excess of the purchase price over the fair value of net assets acquired in accordance with the purchase method of accounting for business combinations. Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis or more frequently if an event occurs or circumstances change that reduce the fair value of a reporting unit below its carrying amount. The Company completes its annual goodwill impairment test as of December 31 of each year. The impairment testing process is conducted by assigning assets and goodwill to each reporting unit. Currently, the Company's goodwill is evaluated at the entity level as there is only one reporting unit. The Company first assesses certain qualitative factors to determine if it is more-likely-than-not that the fair value of the reporting unit is less than its carrying value. If it is more-likely-than-not that the fair value of the reporting unit is less than the carrying value, then the fair value of each reporting unit is compared to the recorded book value ("step one"). If the fair value of the reporting unit exceeds its carrying value, goodwill is not considered impaired and "step two" is not considered necessary. If the carrying value of a reporting unit exceeds its fair value, the impairment test continues ("step two") by comparing the carrying value of the reporting unit's goodwill to the implied fair value of goodwill. The implied fair value is computed by adjusting all assets and liabilities of the reporting unit to current fair value with the offset adjustment to goodwill. The adjusted goodwill balance is the implied fair value of the goodwill. An impairment charge is recognized if the carrying fair value of goodwill exceeds the implied fair value of goodwill. At December 31, 2015, there was no indication of impairment that led the Company to believe it needed to perform a two-step test. Any changes in the estimates used by the Company to determine the carrying value of its goodwill, or which otherwise adversely affect their value or estimated lives, would adversely affect the Company's consolidated results of operations.</div> </div>

7396000

7116000

5426000

5388000

49000

25000

101000

54000

5739000

5435000

373000

312000

58000

175000

43000

97000

370000

307000

60000

175000

43000

92000

<div> Details of impaired loans as of June 30, 2016 and December 31, 2015 follows: <div> <table style="height: 615px; width: 778px;" cellspacing="0" border="0"> <tr><td width="28%"> </td> <td width="2%"> </td> <td width="10%"> </td> <td width="2%"> </td> <td width="10%"> </td> <td width="2%"> </td> <td width="10%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="11%"> </td> <td width="2%"> </td> <td width="9%"> </td> <td width="2%"> </td> <td width="7%"> </td></tr> <tr valign="bottom"><td width="28%" align="left"> </td> <td style="border-top: rgb(0,0,0) 1px solid; border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="36%" colspan="6" align="center">June 30, 2016</td> <td width="2%" align="center"> </td> <td style="border-top: rgb(0,0,0) 1px solid; border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="33%" colspan="6" align="center">December 31, 2015</td></tr> <tr valign="bottom"><td width="28%" align="left"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center">Unpaid</td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="11%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Unpaid</td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td></tr> <tr valign="bottom"><td width="28%" align="left"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="10%" align="center">Principal</td> <td width="2%" align="center"> </td> <td width="10%" align="center">Related</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="11%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="9%" align="center">Principal</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Related</td></tr> <tr valign="bottom"><td width="28%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">Investment</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">Balance</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">Allowance</td> <td width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="center">Investment</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="center">Balance</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center">Allowance</td></tr> <tr valign="bottom"><td width="28%" align="center">With no related allowance:</td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="28%" align="left">Commercial real estate mortgages</td> <td width="2%" align="right">$</td> <td width="10%" align="right">1,900</td> <td width="2%" align="right">$</td> <td width="10%" align="right">1,900</td> <td width="2%" align="right">$</td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="11%" align="right">1,692</td> <td width="2%" align="right">$</td> <td width="9%" align="right">1,736</td> <td width="2%" align="right">$</td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Commercial and industrial</td> <td width="2%" align="right"> </td> <td width="10%" align="right">89</td> <td width="2%" align="right"> </td> <td width="10%" align="right">89</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">202</td> <td width="2%" align="right"> </td> <td width="9%" align="right">352</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Commercial construction and</td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="28%" align="left">land development</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">---</td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Agricultural and other loans to farmers</td> <td width="2%" align="right"> </td> <td width="10%" align="right">127</td> <td width="2%" align="right"> </td> <td width="10%" align="right">127</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">106</td> <td width="2%" align="right"> </td> <td width="9%" align="right">106</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Residential real estate loans</td> <td width="2%" align="right"> </td> <td width="10%" align="right">1,214</td> <td width="2%" align="right"> </td> <td width="10%" align="right">1,330</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">1,332</td> <td width="2%" align="right"> </td> <td width="9%" align="right">1,362</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Home equity loans</td> <td width="2%" align="right"> </td> <td width="10%" align="right">17</td> <td width="2%" align="right"> </td> <td width="10%" align="right">17</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">18</td> <td width="2%" align="right"> </td> <td width="9%" align="right">18</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Other consumer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Subtotal</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">3,347</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">3,463</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">3,350</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">3,574</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">----</td></tr> <tr><td width="99%" colspan="14"> </td></tr> <tr valign="bottom"><td width="28%" align="center">With an allowance:</td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="28%" align="left">Commercial real estate mortgages</td> <td width="2%" align="right">$</td> <td width="10%" align="right">536</td> <td width="2%" align="right">$</td> <td width="10%" align="right">536</td> <td width="2%" align="right">$</td> <td width="10%" align="right">43</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="11%" align="right">531</td> <td width="2%" align="right">$</td> <td width="9%" align="right">531</td> <td width="2%" align="right">$</td> <td width="7%" align="right">43</td></tr> <tr valign="bottom"><td width="28%" align="left">Commercial and industrial</td> <td width="2%" align="right"> </td> <td width="10%" align="right">220</td> <td width="2%" align="right"> </td> <td width="10%" align="right">370</td> <td width="2%" align="right"> </td> <td width="10%" align="right">175</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">224</td> <td width="2%" align="right"> </td> <td width="9%" align="right">374</td> <td width="2%" align="right"> </td> <td width="7%" align="right">175</td></tr> <tr valign="bottom"><td width="28%" align="left">Commercial construction and</td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="28%" align="left">land development</td> <td width="2%" align="right"> </td> <td width="10%" align="right">813</td> <td width="2%" align="right"> </td> <td width="10%" align="right">2,738</td> <td width="2%" align="right"> </td> <td width="10%" align="right">60</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">1,111</td> <td width="2%" align="right"> </td> <td width="9%" align="right">3,036</td> <td width="2%" align="right"> </td> <td width="7%" align="right">58</td></tr> <tr valign="bottom"><td width="28%" align="left">Agricultural and other loans to farmers</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">---</td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Residential real estate loans</td> <td width="2%" align="right"> </td> <td width="10%" align="right">512</td> <td width="2%" align="right"> </td> <td width="10%" align="right">628</td> <td width="2%" align="right"> </td> <td width="10%" align="right">92</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">515</td> <td width="2%" align="right"> </td> <td width="9%" align="right">515</td> <td width="2%" align="right"> </td> <td width="7%" align="right">97</td></tr> <tr valign="bottom"><td width="28%" align="left">Home equity loans</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">---</td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Other consumer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">7</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">7</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">8</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">8</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Subtotal</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">2,088</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">4,279</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">370</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">2,389</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">4,464</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">373</td></tr> <tr valign="bottom"><td width="28%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">5,435</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">7,742</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">370</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">5,739</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">8,038</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">373</td></tr></table></div>   Details of impaired loans for the three and six months ended June 30, 2016 and 2015 follows: <div> <table cellspacing="0" border="0"> <tr><td width="14%"> </td> <td width="2%"> </td> <td width="9%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="9%"> </td> <td width="1%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="9%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="9%"> </td> <td width="2%"> </td> <td width="7%"> </td></tr> <tr valign="bottom"><td width="14%" align="center"> </td> <td style="border-top: rgb(0,0,0) 1px solid; border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="41%" colspan="9" align="center">June 30, 2016</td> <td width="2%" align="center"> </td> <td style="border-top: rgb(0,0,0) 1px solid; border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="43%" colspan="9" align="center">June 30, 2015</td></tr> <tr valign="bottom"><td width="14%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid; text-indent: 1px;" width="19%" colspan="3" align="center">Three Months Ended</td> <td width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid;" width="16%" colspan="3" align="center">Six Months Ended</td> <td width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid; text-indent: 1px;" width="19%" colspan="3" align="center">Three Months Ended</td> <td width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="18%" colspan="3" align="center">Six Months Ended</td></tr> <tr><td width="100%" colspan="20" align="center"> </td></tr> <tr valign="bottom"><td width="14%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Average</td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Average</td> <td width="1%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Average</td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Average</td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td></tr> <tr valign="bottom"><td width="14%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Interest</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Recorded</td> <td width="1%" align="center"> </td> <td width="6%" align="center">Interest</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Interest</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Interest</td></tr> <tr valign="bottom"><td width="14%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Investment </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Recorded </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Investment </td> <td width="1%" align="center"> </td> <td width="6%" align="center">Recorded </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Investment </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Recorded </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Investment </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> Recorded</td></tr> <tr valign="bottom"><td width="14%" align="left">With no related allowance:</td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="1%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="14%" align="left">Commercial real</td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="14%" align="left">estate mortgages</td> <td width="2%" align="right">$</td> <td width="9%" align="right">1,850</td> <td width="2%" align="right">$</td> <td width="8%" align="right">32</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="9%" align="right">1,859</td> <td width="1%" align="right">$</td> <td style="text-indent: 2px;" width="6%" align="right">53</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="9%" align="right">2,413</td> <td width="2%" align="right">$</td> <td style="text-indent: 2px;" width="8%" align="right">7</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="9%" align="right">2,698</td> <td width="2%" align="right">$</td> <td width="7%" align="right">14</td></tr> <tr valign="bottom"><td width="14%" align="left">Commercial and industrial</td> <td width="2%" align="right"> </td> <td width="9%" align="right">92</td> <td width="2%" align="right"> </td> <td width="8%" align="right">2</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">94</td> <td width="1%" align="right"> </td> <td width="6%" align="right">4</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">441</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="8%" align="right">3</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">446</td> <td width="2%" align="right"> </td> <td width="7%" align="right">5</td></tr> <tr valign="bottom"><td width="14%" align="left">Commercial construction</td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="14%" align="left">And land development</td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="1%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">1,260</td> <td width="2%" align="right"> </td> <td style="text-indent: 2px;" width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">1,260</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="14%" align="left">Agricultural and other</td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="14%" align="left">loans to farmers</td> <td width="2%" align="right"> </td> <td width="9%" align="right">128</td> <td width="2%" align="right"> </td> <td width="8%" align="right">3</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">135</td> <td width="1%" align="right"> </td> <td width="6%" align="right">5</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">113</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="8%" align="right">2</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">118</td> <td width="2%" align="right"> </td> <td width="7%" align="right">4</td></tr> <tr valign="bottom"><td width="14%" align="left">Residential real</td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="14%" align="left">estate mortgages</td> <td width="2%" align="right"> </td> <td width="9%" align="right">1,214</td> <td width="2%" align="right"> </td> <td width="8%" align="right">17</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">1,146</td> <td width="1%" align="right"> </td> <td width="6%" align="right">38</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">1,498</td> <td width="2%" align="right"> </td> <td width="8%" align="right">13</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">1,483</td> <td width="2%" align="right"> </td> <td width="7%" align="right">25</td></tr> <tr valign="bottom"><td width="14%" align="left">Home equity loans</td> <td width="2%" align="right"> </td> <td width="9%" align="right">16</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">17</td> <td width="1%" align="right"> </td> <td width="6%" align="right">1</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">18</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">19</td> <td width="2%" align="right"> </td> <td width="7%" align="right">1</td></tr> <tr valign="bottom"><td width="14%" align="left">Other consumer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="14%" align="left">Subtotal</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">3,300</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">54</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">3,251</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="6%" align="right">101</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">5,743</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">25</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">6,024</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">49</td></tr> <tr><td width="100%" colspan="20"> </td></tr> <tr valign="bottom"><td width="14%" align="right">With an allowance:</td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="1%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="14%" align="left">Commercial real</td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="14%" align="left">estate mortgages</td> <td width="2%" align="right">$</td> <td width="9%" align="right">482</td> <td width="2%" align="right">$</td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="9%" align="right">443</td> <td width="1%" align="right">$</td> <td style="text-indent: 2px;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="9%" align="right">955</td> <td width="2%" align="right">$</td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="9%" align="right">955</td> <td width="2%" align="right">$</td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="14%" align="left">Commercial and industrial</td> <td width="2%" align="right"> </td> <td width="9%" align="right">221</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">222</td> <td width="1%" align="right"> </td> <td style="text-indent: 2px;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">170</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">170</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="14%" align="left">Commercial construction</td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="14%" align="left">and land development</td> <td width="2%" align="right"> </td> <td width="9%" align="right">865</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">988</td> <td width="1%" align="right"> </td> <td style="text-indent: 2px;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="14%" align="left">Agricultural and other</td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="14%" align="left">loans to farmers</td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="1%" align="right"> </td> <td style="text-indent: 2px;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">54</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">54</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="14%" align="left">Residential real</td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="14%" align="left">estate mortgages</td> <td width="2%" align="right"> </td> <td width="9%" align="right">513</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">514</td> <td width="1%" align="right"> </td> <td style="text-indent: 2px;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">184</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">183</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="14%" align="left">Home equity loans</td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="1%" align="right"> </td> <td style="text-indent: 2px;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="14%" align="left">Other consumer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">7</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">8</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">10</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">10</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="14%" align="left">Subtotal</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">2,088</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">2,175</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">1,373</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">1,372</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">---</td></tr> <tr><td width="100%" colspan="20"> </td></tr> <tr valign="bottom"><td width="14%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">5,388</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">54</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">5,426</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="6%" align="right">101</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">7,116</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">25</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">7,396</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">49</td></tr></table></div> </div>

8038000

7742000

6024000

118000

1260000

19000

446000

2698000

1483000

5743000

113000

1260000

18000

441000

2413000

1498000

3251000

135000

17000

94000

1859000

1146000

3300000

128000

16000

92000

1850000

1214000

49000

4000

1000

5000

14000

25000

2000

3000

7000

13000

101000

5000

1000

4000

53000

38000

54000

3000

2000

32000

17000

3350000

106000

18000

202000

1692000

1332000

3347000

127000

17000

89000

1900000

1214000

3574000

106000

18000

352000

1736000

1362000

3463000

127000

17000

89000

1900000

1330000

1372000

54000

10000

170000

955000

183000

1373000

54000

10000

170000

955000

184000

2175000

988000

8000

222000

443000

514000

2088000

865000

7000

221000

482000

513000

2389000

1111000

8000

224000

531000

515000

2088000

813000

7000

220000

536000

512000

4464000

3036000

8000

374000

531000

515000

4279000

2738000

7000

370000

536000

628000

10900000

5388000

12317000

6115000

2495000

3926000

3146000

6000

-422000

1515000

3600000

5000

-1097000

1804000

<div> <div class="MetaData"> Income Taxes: The Company uses the asset and liability method of accounting for income taxes. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. If current available information indicates that it is more-likely-than-not that deferred tax assets will not be realized, a valuation allowance is established. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Significant management judgment is required in determining income tax expense and deferred tax assets and liabilities. As of June 30, 2016 and December 31, 2015, there was no valuation allowance for deferred tax assets.</div> </div>

32067000

47029000

11654000

-6431000

42550000

9319000

30306000

1133000

-891000

-925000

86418

90655

68110

64985

19322000

9645000

20332000

10249000

5121000

2586000

5800000

2972000

2913000

1460000

3176000

1599000

1716000

873000

1642000

841000

492000

253000

982000

532000

20989000

10486000

22103000

11232000

21884000

10886000

22718000

11382000

5146000

5766000

527000

562000

134000

5420000

6252000

189000

95000

381000

205000

7494000

3732000

7805000

3900000

27005000

13472000

28518000

14354000

21479000

26713000

11623

19158

<div> <table style="height: 164px; width: 393px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="left"> </td> <td align="center">Amortized</td> <td align="center"> </td> <td align="center">Estimated</td></tr> <tr valign="bottom"><td align="left">Securities Available for Sale</td> <td align="left"> </td> <td align="center">Cost</td> <td align="center"> </td> <td align="center">Fair Value</td></tr> <tr><td colspan="5"> </td></tr> <tr valign="bottom"><td align="left">Due one year or less</td> <td align="left">$</td> <td align="right">167</td> <td align="left">$</td> <td align="right">168</td></tr> <tr valign="bottom"><td align="left">Due after one year through five years</td> <td align="left"> </td> <td align="right">5,592</td> <td align="left"> </td> <td align="right">5,732</td></tr> <tr valign="bottom"><td align="left">Due after five years through ten years</td> <td align="left"> </td> <td align="right">13,889</td> <td align="left"> </td> <td align="right">14,762</td></tr> <tr valign="bottom"><td align="left">Due after ten years</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">495,534</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">511,928</td></tr> <tr valign="bottom"><td align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">515,182</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">532,590</td></tr></table> </div>

5000000

8621000

19000

4269000

9816000

14000

4799000

1425903000

1522318000

1580055000

1687549000

9439000

9891000

<div> <div> Allowance for Loan Losses: The allowance for loan losses (the "allowance") is a significant accounting estimate used in the preparation of the Company's consolidated financial statements. The allowance is available to absorb losses inherent in the current loan portfolio and is maintained at a level that, in management's judgment, is appropriate for the amount of risk inherent in the loan portfolio, given past and present conditions. The allowance is increased by provisions charged to operating expense and by recoveries on loans previously charged off, and is decreased by loans charged off as uncollectible. Arriving at an appropriate level of allowance for loan losses involves a high degree of judgment. The determination of the adequacy of the allowance and provisioning for estimated losses is evaluated regularly based on review of loans, with particular emphasis on non-performing and other loans that management believes warrant special consideration. The ongoing evaluation process includes a formal analysis, which considers among other factors: the character and size of the loan portfolio, business and economic conditions, real estate market conditions, collateral values, changes in product offerings or loan terms, changes in underwriting and/or collection policies, loan growth, previous charge-off experience, delinquency trends, non-performing loan trends, the performance of individual loans in relation to contract terms, and estimated fair values of collateral. The allowance for loan losses consists of allowances established for specific loans including impaired loans; allowances for pools of loans based on historical charge-offs by loan types; and supplemental allowances that adjust historical loss experience to reflect current economic conditions, industry specific risks, and other observable data. While management uses available information to recognize losses on loans, changing economic conditions and the economic prospects of the borrowers may necessitate future additions or reductions to the allowance. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Bank's allowance, which also may necessitate future additions or reductions to the allowance, based on information available to them at the time of their examination.</div> </div>

31003000

79911000

24926000

7949000

15244000

506842000

371002000

467880000

51530000

408401000

33081000

80749000

25467000

6946000

16352000

529330000

390033000

503209000

49330000

446933000

990070000

1049022000

980631000

1039131000

2698000

16000

1111000

292000

1279000

2090000

813000

190000

1087000

4282000

10000

820000

3452000

3382000

91000

134000

3157000

<div> <div class="MetaData"> <div> <div> Note 8: Loans and Allowance for Loan Losses Loans are carried at the principal amounts outstanding adjusted by partial charge-offs and net deferred loan origination costs or fees. Interest on loans is accrued and credited to income based on the principal amount of loans outstanding. Residential real estate and home equity loans are generally placed on non-accrual status when reaching 90 days past due, or in process of foreclosure, or sooner if judged appropriate by management. Consumer loans are generally placed on non-accrual status when reaching 90 days or more past due, or sooner if management determines there is a reason to doubt full collectability of all outstanding principal and interest. Secured consumer loans are written down to realizable value and unsecured consumer loans are charged-off upon reaching 120 days past due. Commercial real estate loans and commercial business loans that are 90 days or more past due are generally placed on non-accrual status, unless secured by sufficient cash or other assets immediately convertible to cash, and the loan is in the process of collection. Commercial real estate and commercial business loans may be placed on non-accrual status prior to the 90 days delinquency date if management determines there is a reason to doubt full collectability of all outstanding principal and interest. When a loan has been placed on non-accrual status, previously accrued and uncollected interest is reversed against interest on loans. A loan can be returned to accrual status when there is evidence of an ability to adhere to the required repayment schedule and the loan has performed for a period of time, generally six months. Commercial real estate and commercial business loans are considered impaired when it becomes probable the Bank will not be able to collect all amounts due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status and collateral value. In considering loans for evaluation of impairment, management generally excludes smaller balance, homogeneous loans, residential mortgage loans, home equity loans, and all consumer loans, unless such loans were restructured in a troubled debt restructuring. These loans are collectively evaluated for risk of loss. Loan origination, commitment fees and direct loan origination costs are deferred, and the net amount is amortized as an adjustment of the related loans' yield, using the level yield method over the estimated lives of the related loans. <div> The Company's lending activities are principally conducted in downeast, midcoast and central Maine. The following table summarizes the composition of the loan portfolio as of June 30, 2016, and December 31, 2015:</div></div></div> <div> <div> LOAN PORTFOLIO SUMMARY <div> <div style="padding-left: 0%; padding-right: 0%;"> <div align="left"> <div> <div> <table style="height: 428px; width: 564px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="right">June 30,</td> <td align="left"> </td> <td align="right"> </td> <td align="center">December 31,</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="right">2016</td> <td align="left"> </td> <td align="right"> </td> <td align="right">2015</td> <td align="left"> </td></tr> <tr><td colspan="7"> </td></tr> <tr valign="bottom"><td align="left">Commercial real estate mortgages</td> <td align="right">$</td> <td align="right">390,033</td> <td align="left"> </td> <td align="right">$</td> <td align="right">371,002</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Commercial and industrial</td> <td align="right"> </td> <td align="right">80,749</td> <td align="left"> </td> <td align="right"> </td> <td align="right">79,911</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Commercial construction and land development</td> <td align="right"> </td> <td align="right">25,467</td> <td align="left"> </td> <td align="right"> </td> <td align="right">24,926</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Agricultural and other loans to farmers</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">33,081</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">31,003</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Total commercial loans</td> <td align="right"> </td> <td align="right">529,330</td> <td align="left"> </td> <td align="right"> </td> <td align="right">506,842</td> <td align="left"> </td></tr> <tr><td colspan="7"> </td></tr> <tr valign="bottom"><td align="left">Residential real estate mortgages</td> <td align="right"> </td> <td align="right">446,933</td> <td align="left"> </td> <td align="right"> </td> <td align="right">408,401</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Home equity loans</td> <td align="right"> </td> <td align="right">49,330</td> <td align="left"> </td> <td align="right"> </td> <td align="right">51,530</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Other consumer loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">6,946</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">7,949</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Total consumer loans</td> <td align="right"> </td> <td align="right">503,209</td> <td align="left"> </td> <td align="right"> </td> <td align="right">467,880</td> <td align="left"> </td></tr> <tr><td colspan="7"> </td></tr> <tr valign="bottom"><td align="left">Tax exempt loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">16,352</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">15,244</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td></tr> <tr><td colspan="7"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">Net deferred loan costs and fees</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">131</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">104</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td></tr> <tr valign="bottom"><td align="left">Total loans</td> <td align="right"> </td> <td align="right">1,049,022</td> <td align="left"> </td> <td align="right"> </td> <td align="right">990,070</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Allowance for loan losses</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(9,891</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(9,439</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td></tr> <tr valign="bottom"><td align="left">Total loans net of allowance for loan losses</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,039,131</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">980,631</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr></table></div>  </div></div> <div align="left"> </div>Loan Origination/Risk Management: The Bank has certain lending policies and procedures in place that are designed to maximize loan income within an acceptable level of risk. The Bank's board of directors reviews and approves these policies and procedures on a regular basis. A reporting system supplements the review process by providing management and the board with frequent reports related to loan production, loan quality, concentrations of credit, loan delinquencies and non-performing loans and potential problem loans. The Bank seeks to diversify the loan portfolio as a means of managing risk associated with fluctuations in economic conditions.</div></div> <div> Commercial Real Estate Mortgages: The Bank's commercial real estate mortgage loans are collateralized by liens on real estate, typically have variable interest rates and amortize over a 15 to 20 year period. These loans are underwritten primarily as cash flow loans and secondarily as loans secured by real estate. Payments on loans secured by such properties are largely dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Accordingly, repayment of these loans may be subject to adverse economic conditions to a greater extent than other types of loans. The Bank seeks to minimize these risks in a variety of ways, including giving careful consideration to the property's operating history, future operating projections, current and projected occupancy, location and physical condition in connection with underwriting these loans. The underwriting analysis also includes credit verification, analysis of global cash flows, appraisals and a review of the financial condition of the borrower. Reflecting the Bank's business region, at June 30, 2016, approximately 31% of the commercial real estate mortgage portfolio was represented by loans to the lodging industry. The Bank underwrites lodging industry loans as operating businesses, lending primarily to seasoned establishments with stabilized cash flows.</div></div></div> <div> <div> Commercial and Industrial Loans: Commercial and industrial loans are underwritten after evaluating and understanding the borrower's ability to operate profitably, and prudently expand its business. Commercial and industrial loans are primarily made in the Bank's market areas and are underwritten on the basis of the borrower's ability to service the debt from income. These loans typically have variable interest rates and amortize over a period of less than 10 years. As a general practice, the Bank takes as collateral a lien on available real estate, equipment or other assets owned by the borrower and obtains a personal guaranty of the borrower(s) or principal(s). Working capital loans are primarily collateralized by short-term assets whereas term loans are primarily collateralized by long-term assets. The risk in commercial and industrial loans is principally due to the type of collateral securing these loans. The increased risk also derives from the expectation that commercial and industrial loans generally will be serviced principally from the operations of the business, and, if not successful, these loans are primarily secured by tangible, non-real estate collateral. Construction and Land Development Loans: The Bank makes loans to finance the construction of residential and non-residential properties. Construction loans generally are collateralized by first liens on real estate with terms of six to twenty-four months. The Bank conducts periodic inspections, either directly or through an agent, prior to approval of periodic draws on these loans. Underwriting guidelines similar to those described immediately above are also used in the Bank's construction lending activities. Construction loans involve additional risks attributable to the fact that loan funds are advanced against a project under construction and the project is of uncertain value prior to its completion. Because of uncertainties inherent in estimating construction costs, the market value of the completed project and the effects of governmental regulation on real property, it can be difficult to accurately evaluate the total funds required to complete a project and the related loan to value ratio. As a result of these uncertainties, construction lending often involves the disbursement of substantial funds with repayment dependent, in part, on the success of the ultimate project rather than the ability of a borrower or guarantor to repay the loan. In many cases the success of the project can also depend upon the financial support/strength of the sponsorship. If the Bank is forced to foreclose on a project prior to completion, there is no assurance that the Bank will be able to recover the entire unpaid portion of the loan. In addition, the Bank may be required to fund additional amounts to complete a project and may have to hold the property for an indeterminate period of time. While the Bank has underwriting procedures designed to identify what it believes to be acceptable levels of risks in construction lending, no assurance can be given that these procedures will prevent losses from the risks described above. Residential Real Estate Mortgage Loans: The Bank originates and purchases first-lien, adjustable-rate and fixed-rate, one-to-four-family residential real estate loans for the construction, purchase or refinancing of residential property. These loans are principally collateralized by owner-occupied properties, and to a lesser extent second homes and vacation properties, and are amortized over 10 to 30 years. From time-to-time the Bank will sell longer-term, low rate, residential mortgage loans to the Federal Home Loan Mortgage Corporation ("FHLMC") with servicing rights retained. This practice allows the Bank to better manage interest rate risk and liquidity risk. In an effort to manage risk of loss and strengthen secondary market liquidity opportunities, management typically uses secondary market underwriting, appraisal, and servicing guidelines for all loans, including those held in its portfolio. Loans on one-to-four-family residential real estate are mostly originated in amounts of no more than 80% of appraised value or have private mortgage insurance. Mortgage title insurance and hazard insurance is required. <div> Home Equity Loans: The Bank originates home equity lines of credit and second mortgage loans (loans which are secured by a junior lien position on one-to-four-family residential real estate). Home equity loans are mostly originated in amounts of no more than 85% of the combined loan-to-value ratio (first and second liens), or have private mortgage insurance. These loans carry a higher risk than first mortgage residential loans as they are in a second position relating to collateral. Risk is reduced through underwriting criteria, which include credit verification, appraisals and evaluations, a review of the borrower's financial condition, and personal cash flows. A security interest, with title insurance when necessary, is taken in the underlying real estate.</div></div></div> <div> Non-performing Loans: The following table sets forth information regarding non-accruing loans and accruing loans 90 days or more overdue at June 30, 2016, and December 31, 2015. TOTAL NON-PERFORMING LOANS <div> <div> <div> <div align="left"> <div> <div> <table style="height: 356px; width: 598px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">June 30,</td> <td align="right"> </td> <td align="center">December 31,</td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="right">2016</td> <td align="right"> </td> <td align="right">2015</td></tr> <tr><td colspan="5"> </td></tr> <tr valign="bottom"><td align="left">Commercial real estate mortgages</td> <td align="right">$</td> <td align="right">1,087</td> <td align="right">$</td> <td align="right">1,279</td></tr> <tr valign="bottom"><td align="left">Commercial and industrial loans</td> <td align="right"> </td> <td align="right">190</td> <td align="right"> </td> <td align="right">292</td></tr> <tr valign="bottom"><td align="left">Commercial construction and land development</td> <td align="right"> </td> <td align="right">813</td> <td align="right"> </td> <td align="right">1,111</td></tr> <tr valign="bottom"><td align="left">Agricultural and other loans to farmers</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">16</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">Total commercial loans</td> <td align="right"> </td> <td align="right">2,090</td> <td align="right"> </td> <td align="right">2,698</td></tr> <tr><td colspan="5"> </td></tr> <tr valign="bottom"><td align="left">Residential real estate mortgages</td> <td align="right"> </td> <td align="right">3,157</td> <td align="right"> </td> <td align="right">3,452</td></tr> <tr valign="bottom"><td align="left">Home equity loans</td> <td align="right"> </td> <td align="right">134</td> <td align="right"> </td> <td align="right">820</td></tr> <tr valign="bottom"><td align="left">Other consumer loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">91</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">10</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">Total consumer loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">3,382</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">4,282</td></tr> <tr><td colspan="5"> </td></tr> <tr valign="bottom"><td align="left">Total non-accrual loans</td> <td align="right"> </td> <td align="right">5,472</td> <td align="right"> </td> <td align="right">6,980</td></tr> <tr valign="bottom"><td align="left">Accruing loans contractually past due 90 days or more</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">81</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">28</td></tr> <tr valign="bottom"><td align="left">Total non-performing loans</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">5,553</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">7,008</td></tr></table></div>  </div></div></div></div></div> <div> </div></div> Troubled Debt Restructures: A Troubled Debt Restructure ("TDR") results from a modification of a loan to a borrower who is experiencing financial difficulty in which the Bank grants a concession to the debtor that it would not otherwise consider but for the debtor's financial difficulties. Financial difficulty arises when a debtor is bankrupt or contractually past due, or is likely to become so, based upon its ability to pay. A concession represents an accommodation not generally available to other customers, which may include a below-market interest rate, deferment of principal payments, extension of maturity dates, etc. Such accommodations extended to customers who are not experiencing financial difficulty do not result in TDR classification. Troubled debt restructurings and related delinquency trends in general are considered in management's evaluation of the allowance for loan losses and the related determination of the provision for loan losses. Summary information pertaining to the TDRs that occurred during the three and six months ended June 30, 2016 and 2015 follows:   <div> <div> <div> <div> <div> <div align="left"> <div> <div> <div> <div> <div> <div> <table cellspacing="0" border="0"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td width="39%" colspan="6" align="center">For the Three Months Ended</td> <td width="3%" align="center"> </td> <td width="34%" colspan="5" align="center">For the Six Months Ended</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="39%" colspan="6" align="center">June 30, 2016</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" colspan="5" align="center">June 30, 2016</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="13%" align="center">Pre-</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center">Post-</td> <td width="3%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">  </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td width="14%" align="center">Pre-</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center">Post-</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="13%" align="center">Modification</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center">Modification</td> <td width="3%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">  </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="14%" align="center">Modification</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center">Modification</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="13%" align="center">Outstanding</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center">Outstanding</td> <td width="3%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">  </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="14%" align="center">Outstanding</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center">Outstanding</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center">Number</td> <td width="2%" align="center"> </td> <td width="13%" align="center">Recorded</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center">Recorded</td> <td width="3%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">Number</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td width="14%" align="center">Recorded</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center">Recorded</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">of Loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">Investment</td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">Investment</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">of Loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="center">Investment</td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">Investment</td></tr> <tr><td width="99%" colspan="13"> </td></tr> <tr valign="bottom"><td width="23%" align="left">Commercial real estate mortgages</td> <td width="2%" align="right"> </td> <td width="8%" align="center">1</td> <td width="2%" align="right">$</td> <td width="13%" align="center">30</td> <td width="2%" align="right">$</td> <td width="12%" align="center">30</td> <td width="3%" align="center"> </td> <td width="8%" align="center">3</td> <td width="2%" align="right">$</td> <td width="14%" align="center">425</td> <td width="2%" align="right">$</td> <td width="8%" align="center">418</td></tr> <tr valign="bottom"><td width="23%" align="left">Agricultural and other loans to farmers</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="8%" align="center">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">--</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">2</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="center">30</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">25</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="23%" align="left">Total commercial loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">1</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">30</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">30</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">5</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="center">455</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">443</td></tr> <tr><td width="99%" colspan="13"> </td></tr> <tr valign="bottom"><td width="23%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="center">1</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="center">30</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="center">30</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="center">5</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="center">455</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="center">443</td></tr></table> <div> <table cellspacing="0" border="0"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td width="39%" colspan="6" align="center">For the Three Months Ended</td> <td width="3%" align="center"> </td> <td width="34%" colspan="5" align="center">For the Six Months Ended</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="39%" colspan="6" align="center">June 30, 2015</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" colspan="5" align="center">June 30, 2015</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="8%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td width="13%" align="center">Pre-</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center">Post-</td> <td width="3%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">  </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td width="14%" align="center">Pre-</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center">Post-</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="8%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="13%" align="center">Modification</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center">Modification</td> <td width="3%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">  </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="14%" align="center">Modification</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center">Modification</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="8%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="13%" align="center">Outstanding</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center">Outstanding</td> <td width="3%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">  </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="14%" align="center">Outstanding</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center">Outstanding</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="8%" align="center">Number</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="13%" align="center">Recorded</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center">Recorded</td> <td width="3%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">Number</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="14%" align="center">Recorded</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center">Recorded</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">of Loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">Investment</td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">Investment</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">of Loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="center">Investment</td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">Investment</td></tr> <tr><td width="99%" colspan="13"> </td></tr> <tr valign="bottom"><td width="23%" align="left">Agricultural and other loans to farmers</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="8%" align="center">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">---</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">1</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="center">18</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">17</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="23%" align="left">Total commercial loans</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="8%" align="center">--</td> <td width="2%" align="center"> </td> <td width="13%" align="center">--</td> <td width="2%" align="center"> </td> <td width="12%" align="center">--</td> <td width="3%" align="center"> </td> <td width="8%" align="center">1</td> <td width="2%" align="center"> </td> <td width="14%" align="center">18</td> <td width="2%" align="center"> </td> <td width="8%" align="center">17</td></tr> <tr><td width="99%" colspan="13"> </td></tr> <tr valign="bottom"><td width="23%" align="left">Residential real estate mortgages</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">2</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">795</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">794</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">3</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="center">1,267</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">1,266</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="23%" align="left">Total consumer loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">2</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">795</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">794</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">3</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="center">1,267</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">1,266</td></tr> <tr><td width="99%" colspan="13"> </td></tr> <tr valign="bottom"><td width="23%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="center">2</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="center">795</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="center">794</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="center">4</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="center">1,285</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="center">1,283</td></tr></table></div></div></div>  </div></div></div>  </div></div>  </div></div></div></div></div> <div> The following tables show the Bank's post-modification balance of TDRs listed by type of modification for TDRs that occurred during the three and six months ended June 30, 2016 and 2015: <div> <div> <div> <div align="left"> <div align="left"> <div> <table cellspacing="0" border="0"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr valign="bottom"><td width="38%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="31%" colspan="4" align="center">June 30, 2016</td> <td width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="29%" colspan="4" align="center">June 30, 2015</td></tr> <tr valign="bottom"><td width="38%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="3%" align="right">  </td> <td width="12%" align="center">Three</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="14%" align="center">Six</td> <td width="2%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="13%" align="center">Three</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center"> Six </td></tr> <tr valign="bottom"><td width="38%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="3%" align="right">  </td> <td width="12%" align="center">Months</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="14%" align="center">Months</td> <td width="2%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="13%" align="center">Months</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center">Months</td></tr> <tr valign="bottom"><td width="38%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="3%" align="right">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">Ended</td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="center">Ended</td> <td width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">Ended</td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">Ended</td></tr> <tr><td width="100%" colspan="10"> </td></tr> <tr valign="bottom"><td width="38%" align="left">Extended maturity and adjusted interest rate</td> <td width="3%" align="right">$</td> <td style="text-indent: 4px;" width="12%" align="center">--</td> <td width="2%" align="center">$</td> <td width="14%" align="center">--</td> <td width="2%" align="center"> </td> <td width="2%" align="center">$</td> <td style="text-indent: 2px;" width="13%" align="center">--</td> <td width="2%" align="center">$</td> <td width="12%" align="center">489</td></tr> <tr valign="bottom"><td width="38%" align="left">Extended maturity and adjusted payment</td> <td width="3%" align="right"> </td> <td width="12%" align="center">--</td> <td width="2%" align="center"> </td> <td width="14%" align="center">413</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="13%" align="center">--</td> <td width="2%" align="center"> </td> <td width="12%" align="center">--</td></tr> <tr valign="bottom"><td width="38%" align="left">Adjusted payment</td> <td width="3%" align="right"> </td> <td width="12%" align="center">--</td> <td width="2%" align="center"> </td> <td width="14%" align="center">--</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="13%" align="center">607</td> <td width="2%" align="center"> </td> <td width="12%" align="center">607</td></tr> <tr valign="bottom"><td width="38%" align="left">Adjusted payment and capitalized interest</td> <td width="3%" align="right"> </td> <td width="12%" align="center">--</td> <td width="2%" align="center"> </td> <td width="14%" align="center">--</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="13%" align="center">187</td> <td width="2%" align="center"> </td> <td width="12%" align="center">187</td></tr> <tr valign="bottom"><td width="38%" align="left">Other concessions</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">30</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="center">30</td> <td width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">--</td></tr> <tr valign="bottom"><td width="38%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 4px;" width="12%" align="center">30</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="center">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" width="14%" align="center">443</td> <td width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="center">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" width="13%" align="center">794</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="center">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="center">1,283</td></tr></table></div></div></div> <div align="left"> As of June 30, 2016, the Bank had $3,387 of loans outstanding to 21 relationships that were classified as TDRs. These loans consisted of ten commercial real estate loans, eight real estate secured loans, four commercial and industrial loans, four agricultural loans, and one other consumer loan. At June 30, 2016, six of these TDRs totaling $879 were classified as non-accrual, and none were past due 30 days or more and still accruing.</div></div> As of December 31, 2015, the Bank had $3,162 of loans outstanding to 17 relationships that were classified as TDRs. These loans consisted of seven commercial real estate loans, eight real estate secured loans, four commercial and industrial loans, two agricultural loans, and one other consumer loan. At December 31, 2015, six of these TDRs totaling $826 were classified as non-accrual, and none were past due 30 days or more and still accruing. <div> During the six months ended June 30, 2016, one CRE loan for $40 that had been modified as a TDR within the previous twelve months defaulted, compared with none during the same period in 2015. A default for purposes of this disclosure is a TDR in which the borrower is 90 days or more past due or results in foreclosure and repossession of the applicable collateral.</div> Past due loans: Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. The following tables set forth information regarding past due loans at June 30, 2016, and December 31, 2015. Amounts shown exclude deferred loan origination fees and costs. <div style="padding-left: 0%; padding-right: 0%;"> <div align="left"> <div><a name="page_21"> </a> <div align="left"> <div align="left"> <div> <div> <table style="height: 362px; width: 855px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">>90 Days</td> <td align="center"> </td></tr> <tr valign="bottom"><td align="center"> </td> <td align="center"> </td> <td align="center">30-59</td> <td align="center"> </td> <td align="center">60-89</td> <td align="center"> </td> <td align="center">90 Days</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Past Due</td> <td align="center"> </td></tr> <tr valign="bottom"><td align="center">June 30, 2016</td> <td align="center"> </td> <td align="center">Days</td> <td align="center"> </td> <td align="center">Days</td> <td align="center"> </td> <td align="center">or</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Total</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td style="text-indent: 3px;" align="center">Total</td> <td align="center"> </td> <td align="center">Non-</td> <td align="center"> </td> <td align="center">and</td> <td align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Past Due</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Past Due</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Greater</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Past Due</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Current</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="center">Loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Accrual</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Accruing</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td></tr> <tr valign="bottom"><td align="left">Commercial real</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">estate mortgages</td> <td align="right">$</td> <td align="right">844</td> <td align="right">$</td> <td align="right">103</td> <td align="right">$</td> <td align="right">333</td> <td align="left"> </td> <td align="right">$</td> <td align="right">1,280</td> <td align="right"> </td> <td align="right">388,753</td> <td align="right">$</td> <td align="right">390,033</td> <td align="right">$</td> <td align="right">1,087</td> <td align="right">$</td> <td align="right">---</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Commercial and industrial</td> <td align="right"> </td> <td align="right">4</td> <td align="right"> </td> <td align="right">30</td> <td align="right"> </td> <td align="right">190</td> <td align="left"> </td> <td align="right"> </td> <td align="right">224</td> <td align="right"> </td> <td align="right">80,525</td> <td align="right"> </td> <td align="right">80,749</td> <td align="right"> </td> <td align="right">190</td> <td align="right"> </td> <td align="right">--</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Commercial construction</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">and land development</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="center">--</td> <td align="right"> </td> <td align="right">813</td> <td align="left"> </td> <td align="right"> </td> <td align="right">813</td> <td align="right"> </td> <td align="right">24,654</td> <td align="right"> </td> <td align="right">25,467</td> <td align="right"> </td> <td align="right">813</td> <td align="right"> </td> <td align="right">--</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Agricultural and other</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">loans to farmers</td> <td align="right"> </td> <td align="right">13</td> <td align="right"> </td> <td align="center">--</td> <td align="right"> </td> <td align="right">81</td> <td align="left"> </td> <td align="right"> </td> <td align="right">94</td> <td align="right"> </td> <td align="right">32,987</td> <td align="right"> </td> <td align="right">33,081</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">81</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Residential real</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">estate mortgages</td> <td align="right"> </td> <td align="right">1,488</td> <td align="right"> </td> <td align="center">753</td> <td align="right"> </td> <td align="right">991</td> <td align="left"> </td> <td align="right"> </td> <td align="right">3,232</td> <td align="right"> </td> <td align="right">443,701</td> <td align="right"> </td> <td align="right">446,933</td> <td align="right"> </td> <td align="right">3,157</td> <td align="right"> </td> <td align="right">--</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Home equity</td> <td align="right"> </td> <td align="right">31</td> <td align="right"> </td> <td align="right">15</td> <td align="right"> </td> <td align="right">10</td> <td align="left"> </td> <td align="right"> </td> <td align="right">56</td> <td align="right"> </td> <td align="right">49,274</td> <td align="right"> </td> <td align="right">49,330</td> <td align="right"> </td> <td align="right">134</td> <td align="right"> </td> <td align="right">--</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Other consumer loans</td> <td align="right"> </td> <td align="right">34</td> <td align="right"> </td> <td align="right">1</td> <td align="right"> </td> <td align="right">2</td> <td align="left"> </td> <td align="right"> </td> <td align="right">37</td> <td align="right"> </td> <td align="right">6,909</td> <td align="right"> </td> <td align="right">6,946</td> <td align="right"> </td> <td align="right">91</td> <td align="right"> </td> <td align="right">--</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Tax exempt</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">16,352</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">16,352</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td></tr> <tr valign="bottom"><td align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">2,414</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">902</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">2,420</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">5,736</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,043,155</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,048,891</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">5,472</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">81</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr></table></div>  </div></div></div> <div align="left"> </div></div></div> <div align="left"> <div> <div align="left"> <div align="left"> <table style="height: 395px; width: 862px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="center">>90 Days</td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 4px;" align="center">December 31, 2015</td> <td align="center"> </td> <td align="center">30-59</td> <td align="center"> </td> <td align="center">60-89</td> <td align="center"> </td> <td align="center">90 Days</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Past Due</td> <td align="center"> </td></tr> <tr valign="bottom"><td align="center"> </td> <td align="center"> </td> <td align="center">Days</td> <td align="center"> </td> <td align="center">Days</td> <td align="center"> </td> <td align="center">or</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Total</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Total</td> <td align="center"> </td> <td align="center">Non-</td> <td align="center"> </td> <td align="center">and</td> <td align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Past Due</td> <td align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Past Due</td> <td align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Greater</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Past Due</td> <td align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Current</td> <td align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Loans</td> <td align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Accrual</td> <td align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Accruing</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td></tr> <tr valign="bottom"><td align="left">Commercial real</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">estate mortgages</td> <td align="right">$</td> <td align="right">99</td> <td align="right">$</td> <td align="right">287</td> <td align="right">$</td> <td align="right">241</td> <td align="left"> </td> <td align="right">$</td> <td align="right">627</td> <td align="right">$</td> <td align="right">370,375</td> <td align="right">$</td> <td align="right">371,002</td> <td align="right">$</td> <td align="right">1,279</td> <td align="right">$</td> <td align="right">---</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Commercial and industrial</td> <td align="right"> </td> <td align="right">9</td> <td align="right"> </td> <td align="right">1</td> <td align="right"> </td> <td align="right">271</td> <td align="left"> </td> <td align="right"> </td> <td align="right">281</td> <td align="right"> </td> <td align="right">79,630</td> <td align="right"> </td> <td align="right">79,911</td> <td align="right"> </td> <td align="right">292</td> <td align="right"> </td> <td align="right">--</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Commercial construction</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">and land development</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">1,111</td> <td align="left"> </td> <td align="right"> </td> <td align="right">1,111</td> <td align="right"> </td> <td align="right">23,815</td> <td align="right"> </td> <td align="right">24,926</td> <td align="right"> </td> <td align="right">1,111</td> <td align="right"> </td> <td align="right">--</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Agricultural and other</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">loans to farmers</td> <td align="right"> </td> <td align="right">12</td> <td align="right"> </td> <td align="right">70</td> <td align="right"> </td> <td align="right">3</td> <td align="left"> </td> <td align="right"> </td> <td align="right">85</td> <td align="right"> </td> <td align="right">30,918</td> <td align="right"> </td> <td align="right">31,003</td> <td align="right"> </td> <td align="right">16</td> <td align="right"> </td> <td align="right">3</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Residential real</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">estate mortgages</td> <td align="right"> </td> <td align="right">1,313</td> <td align="right"> </td> <td align="right">452</td> <td align="right"> </td> <td align="right">1,299</td> <td align="left"> </td> <td align="right"> </td> <td align="right">3,064</td> <td align="right"> </td> <td align="right">403,588</td> <td align="right"> </td> <td align="right">406,652</td> <td align="right"> </td> <td align="right">3,452</td> <td align="right"> </td> <td align="right">25</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Home equity</td> <td align="right"> </td> <td align="right">245</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">797</td> <td align="left"> </td> <td align="right"> </td> <td align="right">1,042</td> <td align="right"> </td> <td align="right">50,488</td> <td align="right"> </td> <td align="right">51,530</td> <td align="right"> </td> <td align="right">820</td> <td align="right"> </td> <td align="right">--</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Other consumer loans</td> <td align="right"> </td> <td align="right">66</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td> <td align="left"> </td> <td align="right"> </td> <td align="right">66</td> <td align="right"> </td> <td align="right">9,632</td> <td align="right"> </td> <td align="right">9,698</td> <td align="right"> </td> <td align="right">10</td> <td align="right"> </td> <td align="right">--</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Tax exempt</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">15,244</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">15,244</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td></tr> <tr valign="bottom"><td align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,744</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">810</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">3,722</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">6,276</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">983,690</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">989,966</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">6,980</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">28</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr></table></div></div>  </div></div></div></div></div></div> <div> </div> <div> Impaired Loans: Impaired loans are all commercial loans for which the Company believes it is probable that it will be unable to collect all amounts due according to the contractual terms of the loan agreement, as well as all loans modified into a TDR, if any. Allowances for losses on impaired loans are determined by the lower of the present value of the expected cash flows related to the loan, using the original contractual interest rate, and its recorded value, or in the case of collateral dependent loans, the lower of the fair value of the collateral, less estimated costs to dispose, and the recorded amount of the loans. When foreclosure is probable, impairment is measured based on the fair value of the collateral less estimated cost to sell. Details of impaired loans as of June 30, 2016 and December 31, 2015 follows: <div> <div> <div style="padding-left: 0%; padding-right: 0%;"> <div align="left"> <div> <div> <table style="height: 569px; width: 773px;" cellspacing="0" border="0"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr valign="bottom"><td width="28%" align="left"> </td> <td style="border-top: rgb(0,0,0) 1px solid; border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="36%" colspan="6" align="center">June 30, 2016</td> <td width="2%" align="center"> </td> <td style="border-top: rgb(0,0,0) 1px solid; border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="33%" colspan="6" align="center">December 31, 2015</td></tr> <tr valign="bottom"><td width="28%" align="left"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center">Unpaid</td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="11%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Unpaid</td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td></tr> <tr valign="bottom"><td width="28%" align="left"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="10%" align="center">Principal</td> <td width="2%" align="center"> </td> <td width="10%" align="center">Related</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="11%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="9%" align="center">Principal</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Related</td></tr> <tr valign="bottom"><td width="28%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">Investment</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">Balance</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">Allowance</td> <td width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="center">Investment</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="center">Balance</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center">Allowance</td></tr> <tr valign="bottom"><td width="28%" align="center">With no related allowance:</td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="28%" align="left">Commercial real estate mortgages</td> <td width="2%" align="right">$</td> <td width="10%" align="right">1,900</td> <td width="2%" align="right">$</td> <td width="10%" align="right">1,900</td> <td width="2%" align="right">$</td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="11%" align="right">1,692</td> <td width="2%" align="right">$</td> <td width="9%" align="right">1,736</td> <td width="2%" align="right">$</td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Commercial and industrial</td> <td width="2%" align="right"> </td> <td width="10%" align="right">89</td> <td width="2%" align="right"> </td> <td width="10%" align="right">89</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">202</td> <td width="2%" align="right"> </td> <td width="9%" align="right">352</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Commercial construction and</td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="28%" align="left">land development</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">---</td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Agricultural and other loans to farmers</td> <td width="2%" align="right"> </td> <td width="10%" align="right">127</td> <td width="2%" align="right"> </td> <td width="10%" align="right">127</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">106</td> <td width="2%" align="right"> </td> <td width="9%" align="right">106</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Residential real estate loans</td> <td width="2%" align="right"> </td> <td width="10%" align="right">1,214</td> <td width="2%" align="right"> </td> <td width="10%" align="right">1,330</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">1,332</td> <td width="2%" align="right"> </td> <td width="9%" align="right">1,362</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Home equity loans</td> <td width="2%" align="right"> </td> <td width="10%" align="right">17</td> <td width="2%" align="right"> </td> <td width="10%" align="right">17</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">18</td> <td width="2%" align="right"> </td> <td width="9%" align="right">18</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Other consumer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Subtotal</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">3,347</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">3,463</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">3,350</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">3,574</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">----</td></tr> <tr><td width="99%" colspan="14"> </td></tr> <tr valign="bottom"><td width="28%" align="center">With an allowance:</td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="28%" align="left">Commercial real estate mortgages</td> <td width="2%" align="right">$</td> <td width="10%" align="right">536</td> <td width="2%" align="right">$</td> <td width="10%" align="right">536</td> <td width="2%" align="right">$</td> <td width="10%" align="right">43</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="11%" align="right">531</td> <td width="2%" align="right">$</td> <td width="9%" align="right">531</td> <td width="2%" align="right">$</td> <td width="7%" align="right">43</td></tr> <tr valign="bottom"><td width="28%" align="left">Commercial and industrial</td> <td width="2%" align="right"> </td> <td width="10%" align="right">220</td> <td width="2%" align="right"> </td> <td width="10%" align="right">370</td> <td width="2%" align="right"> </td> <td width="10%" align="right">175</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">224</td> <td width="2%" align="right"> </td> <td width="9%" align="right">374</td> <td width="2%" align="right"> </td> <td width="7%" align="right">175</td></tr> <tr valign="bottom"><td width="28%" align="left">Commercial construction and</td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="28%" align="left">land development</td> <td width="2%" align="right"> </td> <td width="10%" align="right">813</td> <td width="2%" align="right"> </td> <td width="10%" align="right">2,738</td> <td width="2%" align="right"> </td> <td width="10%" align="right">60</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">1,111</td> <td width="2%" align="right"> </td> <td width="9%" align="right">3,036</td> <td width="2%" align="right"> </td> <td width="7%" align="right">58</td></tr> <tr valign="bottom"><td width="28%" align="left">Agricultural and other loans to farmers</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">---</td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Residential real estate loans</td> <td width="2%" align="right"> </td> <td width="10%" align="right">512</td> <td width="2%" align="right"> </td> <td width="10%" align="right">628</td> <td width="2%" align="right"> </td> <td width="10%" align="right">92</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">515</td> <td width="2%" align="right"> </td> <td width="9%" align="right">515</td> <td width="2%" align="right"> </td> <td width="7%" align="right">97</td></tr> <tr valign="bottom"><td width="28%" align="left">Home equity loans</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="11%" align="right">---</td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Other consumer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">7</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">7</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">8</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">8</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="28%" align="left">Subtotal</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">2,088</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">4,279</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">370</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">2,389</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">4,464</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">373</td></tr> <tr valign="bottom"><td width="28%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">5,435</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">7,742</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">370</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">5,739</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">8,038</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">373</td></tr></table></div></div></div></div></div></div></div> <div> <div> <div> Details of impaired loans for the three and six months ended June 30, 2016 and 2015 follows: <div> <div style="padding-left: 0%; padding-right: 0%;"> <div align="left"> <div> <div> <div> <div> <div> <table cellspacing="0" border="0"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr valign="bottom"><td width="14%" align="center"> </td> <td style="border-top: rgb(0,0,0) 1px solid; border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="41%" colspan="9" align="center">June 30, 2016</td> <td width="2%" align="center"> </td> <td style="border-top: rgb(0,0,0) 1px solid; border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="43%" colspan="9" align="center">June 30, 2015</td></tr> <tr valign="bottom"><td width="14%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid; text-indent: 1px;" width="19%" colspan="3" align="center">Three Months Ended</td> <td width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid;" width="16%" colspan="3" align="center">Six Months Ended</td> <td width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid; text-indent: 1px;" width="19%" colspan="3" align="center">Three Months Ended</td> <td width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="18%" colspan="3" align="center">Six Months Ended</td></tr> <tr><td width="100%" colspan="20" align="center"> </td></tr> <tr valign="bottom"><td width="14%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Average</td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Average</td> <td width="1%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Average</td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Average</td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td></tr> <tr valign="bottom"><td width="14%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Interest</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Recorded</td> <td width="1%" align="center"> </td> <td width="6%" align="center">Interest</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Interest</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Interest</td></tr> <tr valign="bottom"><td width="14%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Investment </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Recorded </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Investment </td> <td width="1%" align="center"> </td> <td width="6%" align="center">Recorded </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Investment </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Recorded </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="9%" align="center">Investment </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> Recorded</td></tr> <tr valign="bottom"><td width="14%" align="left">With no related allowance:</td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="1%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="14%" align="left">Commercial real</td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="14%" align="left">estate mortgages</td> <td width="2%" align="right">$</td> <td width="9%" align="right">1,850</td> <td width="2%" align="right">$</td> <td width="8%" align="right">32</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="9%" align="right">1,859</td> <td width="1%" align="right">$</td> <td style="text-indent: 2px;" width="6%" align="right">53</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="9%" align="right">2,413</td> <td width="2%" align="right">$</td> <td style="text-indent: 2px;" width="8%" align="right">7</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="9%" align="right">2,698</td> <td width="2%" align="right">$</td> <td width="7%" align="right">14</td></tr> <tr valign="bottom"><td width="14%" align="left">Commercial and industrial</td> <td width="2%" align="right"> </td> <td width="9%" align="right">92</td> <td width="2%" align="right"> </td> <td width="8%" align="right">2</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">94</td> <td width="1%" align="right"> </td> <td width="6%" align="right">4</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">441</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="8%" align="right">3</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">446</td> <td width="2%" align="right"> </td> <td width="7%" align="right">5</td></tr> <tr valign="bottom"><td width="14%" align="left">Commercial construction</td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="14%" align="left">And land development</td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="1%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">1,260</td> <td width="2%" align="right"> </td> <td style="text-indent: 2px;" width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">1,260</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="14%" align="left">Agricultural and other</td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="14%" align="left">loans to farmers</td> <td width="2%" align="right"> </td> <td width="9%" align="right">128</td> <td width="2%" align="right"> </td> <td width="8%" align="right">3</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">135</td> <td width="1%" align="right"> </td> <td width="6%" align="right">5</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">113</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="8%" align="right">2</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">118</td> <td width="2%" align="right"> </td> <td width="7%" align="right">4</td></tr> <tr valign="bottom"><td width="14%" align="left">Residential real</td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="14%" align="left">estate mortgages</td> <td width="2%" align="right"> </td> <td width="9%" align="right">1,214</td> <td width="2%" align="right"> </td> <td width="8%" align="right">17</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">1,146</td> <td width="1%" align="right"> </td> <td width="6%" align="right">38</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">1,498</td> <td width="2%" align="right"> </td> <td width="8%" align="right">13</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">1,483</td> <td width="2%" align="right"> </td> <td width="7%" align="right">25</td></tr> <tr valign="bottom"><td width="14%" align="left">Home equity loans</td> <td width="2%" align="right"> </td> <td width="9%" align="right">16</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">17</td> <td width="1%" align="right"> </td> <td width="6%" align="right">1</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">18</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">19</td> <td width="2%" align="right"> </td> <td width="7%" align="right">1</td></tr> <tr valign="bottom"><td width="14%" align="left">Other consumer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="14%" align="left">Subtotal</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">3,300</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">54</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">3,251</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="6%" align="right">101</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">5,743</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">25</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">6,024</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">49</td></tr> <tr><td width="100%" colspan="20"> </td></tr> <tr valign="bottom"><td width="14%" align="right">With an allowance:</td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="1%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="14%" align="left">Commercial real</td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="14%" align="left">estate mortgages</td> <td width="2%" align="right">$</td> <td width="9%" align="right">482</td> <td width="2%" align="right">$</td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="9%" align="right">443</td> <td width="1%" align="right">$</td> <td style="text-indent: 2px;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="9%" align="right">955</td> <td width="2%" align="right">$</td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="9%" align="right">955</td> <td width="2%" align="right">$</td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="14%" align="left">Commercial and industrial</td> <td width="2%" align="right"> </td> <td width="9%" align="right">221</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">222</td> <td width="1%" align="right"> </td> <td style="text-indent: 2px;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">170</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">170</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="14%" align="left">Commercial construction</td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="14%" align="left">and land development</td> <td width="2%" align="right"> </td> <td width="9%" align="right">865</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">988</td> <td width="1%" align="right"> </td> <td style="text-indent: 2px;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="14%" align="left">Agricultural and other</td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="14%" align="left">loans to farmers</td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="1%" align="right"> </td> <td style="text-indent: 2px;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">54</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">54</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="14%" align="left">Residential real</td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="1%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="14%" align="left">estate mortgages</td> <td width="2%" align="right"> </td> <td width="9%" align="right">513</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">514</td> <td width="1%" align="right"> </td> <td style="text-indent: 2px;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">184</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">183</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="14%" align="left">Home equity loans</td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="1%" align="right"> </td> <td style="text-indent: 2px;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="9%" align="right">---</td> <td width="2%" align="right"> </td> <td width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="14%" align="left">Other consumer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">7</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">8</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="1%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">10</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="right">10</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">---</td></tr> <tr valign="bottom"><td width="14%" align="left">Subtotal</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">2,088</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">2,175</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">1,373</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">1,372</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">---</td></tr> <tr><td width="100%" colspan="20"> </td></tr> <tr valign="bottom"><td width="14%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">5,388</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">54</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">5,426</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="1%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 2px;" width="6%" align="right">101</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">7,116</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">25</td> <td width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="9%" align="right">7,396</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">49</td></tr></table></div></div></div>  </div></div></div></div></div></div></div></div> <div> <div> Credit Quality Indicators/Classified Loans: In monitoring the credit quality of the portfolio, management applies a credit quality indicator to all categories of commercial loans. These credit quality indicators range from one through nine, with a higher number correlating to increasing risk of loss. These ratings are used as inputs to the calculation of the allowance for loan losses. Consistent with regulatory guidelines, the Bank provides for the classification of loans which are considered to be of lesser quality as substandard, doubtful, or loss (7, 8 and 9, respectively). The Bank considers a loan substandard if it is inadequately protected by the current net worth and paying capacity of the borrower or of the collateral pledged, if any. Substandard loans have a well-defined weakness that jeopardizes liquidation of the debt. Substandard loans include those loans where there is the distinct possibility of some loss of principal, if the deficiencies are not corrected. Loans that the Bank classifies as doubtful have all of the weaknesses inherent in those loans that are classified as substandard but also have the added characteristic that the weaknesses present make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is high but because of certain important and reasonably specific pending factors which may work to the advantage and strengthening of the loan, its classification as loss is deferred until its more exact status is determined. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral and refinancing plans. The entire amount of the loan might not be classified as doubtful when collection of a specific portion appears highly probable. Loans are generally not classified doubtful for an extended period of time (i.e., over one year). Loans that the Bank classifies as losses are those considered uncollectible and of such little value that their continuance as an asset is not warranted and the uncollectible amounts are charged-off. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be affected in the future. Losses are taken in the period in which they are determined to be uncollectible. Loans that do not expose the Bank to risk sufficient to warrant classification in one of the aforementioned categories, but which possess some weaknesses, are designated "as other assets especially mentioned" special mention. A special mention loan has potential weaknesses that deserve management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution's credit position at some future date. This might include loans which the lending officer may be unable to supervise properly because of: (i) lack of expertise, inadequate loan agreement; (ii) the poor condition of or lack of control over collateral; (iii) failure to obtain proper documentation or any other deviations from prudent lending practices. Economic or market conditions which may, in the future, affect the obligor may warrant special mention of the asset. Loans for which an adverse trend in the borrower's operations or an imbalanced position in the balance sheet which has not reached a point where the liquidation is jeopardized may be included in this classification. Special mention loans are not adversely classified and do not expose an institution to sufficient risks to warrant classification. The following tables summarize the commercial loan portfolio as of June 30, 2016, and December 31, 2015, by credit quality indicator. Credit quality indicators are reassessed for each applicable commercial loan at least annually, or upon receipt and analysis of the borrower's financial statements, when applicable. Consumer loans, which principally consist of residential mortgage loans, are not rated, but are evaluated for credit quality after origination based on delinquency status (see past due loan aging table above).   <div> <div> <div> <div> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Commercial</td> <td align="center"> </td> <td align="center">Agricultural</td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">Commercial</td> <td align="center"> </td> <td align="center">Commercial</td> <td align="center"> </td> <td align="center">construction</td> <td align="center"> </td> <td align="center">and other</td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">real estate</td> <td align="center"> </td> <td align="center">and</td> <td align="center"> </td> <td align="center">and land</td> <td align="center"> </td> <td align="center">loans to</td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">June 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">mortgages</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">industrial</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">development</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">farmers</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="center">Total</td></tr> <tr valign="bottom"><td align="left">Pass</td> <td align="right">$</td> <td align="right">364,130</td> <td align="right">$</td> <td align="right">76,628</td> <td align="right">$</td> <td align="right">24,654</td> <td align="right">$</td> <td align="right">32,507</td> <td align="right">$</td> <td align="right">497,919</td></tr> <tr valign="bottom"><td align="left">Other Assets Especially</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">Mentioned</td> <td align="right"> </td> <td align="right">10,381</td> <td align="right"> </td> <td align="right">1,838</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">289</td> <td align="right"> </td> <td align="right">12,508</td></tr> <tr valign="bottom"><td align="left">Substandard</td> <td align="right"> </td> <td align="right">15,509</td> <td align="right"> </td> <td align="right">2,281</td> <td align="right"> </td> <td align="center">813</td> <td align="right"> </td> <td align="right">285</td> <td align="right"> </td> <td align="right">18,888</td></tr> <tr valign="bottom"><td align="left">Doubtful</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td></tr> <tr valign="bottom"><td align="left">Loss</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">13</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">2</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">15</td></tr> <tr valign="bottom"><td align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">390,033</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">80,749</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">25,467</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">33,081</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">529,330</td></tr></table></div></div> <div> </div></div></div></div></div></div> <div> <div> <div> <div> <div> <div> <div> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="center">Commercial</td> <td align="right"> </td> <td align="center">Agricultural</td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">Commercial</td> <td align="right"> </td> <td align="center">Commercial</td> <td align="right"> </td> <td align="center">construction</td> <td align="right"> </td> <td align="center">and other</td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">real estate</td> <td align="right"> </td> <td align="center">and</td> <td align="right"> </td> <td align="center">and land</td> <td align="right"> </td> <td align="right">loans to</td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 5px;" align="left">December 31, 2015</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">mortgages</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">industrial</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">development</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">farmers</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="left">Total</td></tr> <tr valign="bottom"><td align="left">Pass</td> <td align="right">$</td> <td align="right">345,197</td> <td align="right">$</td> <td align="right">74,771</td> <td align="right">$</td> <td align="right">23,460</td> <td align="right">$</td> <td align="right">30,688</td> <td align="right">$</td> <td align="right">474,116</td></tr> <tr valign="bottom"><td align="left">Other Assets Especially</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">Mentioned</td> <td align="right"> </td> <td align="right">7,381</td> <td align="right"> </td> <td align="right">2,349</td> <td align="right"> </td> <td align="right">355</td> <td align="right"> </td> <td align="right">168</td> <td align="right"> </td> <td align="right">10,253</td></tr> <tr valign="bottom"><td align="left">Substandard</td> <td align="right"> </td> <td align="right">18,424</td> <td align="right"> </td> <td align="right">2,790</td> <td align="right"> </td> <td align="right">1,111</td> <td align="right"> </td> <td align="right">147</td> <td align="right"> </td> <td align="right">22,472</td></tr> <tr valign="bottom"><td align="left">Doubtful</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td></tr> <tr valign="bottom"><td align="left">Loss</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">1</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">1</td></tr> <tr valign="bottom"><td align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">371,002</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">79,911</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">24,926</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">31,003</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">506,842</td></tr></table></div></div></div></div>  </div> <div> </div></div></div></div> <div> Allowance for Loan Losses: The allowance for loan losses (the "allowance") is a reserve established through a provision for loan losses (the "provision") charged to expense, which represents management's best estimate of probable losses that have been incurred within the existing portfolio of loans. The allowance, in the judgment of management, is necessary to provide for estimated loan losses and risks inherent in the loan portfolio. The Bank's allowance for loan loss methodology includes allowance allocations calculated in accordance with ASC Topic 310, "Receivables" and allowance allocations calculated in accordance with ASC Topic 450, "Contingencies." Accordingly, the methodology is based on historical loss experience by type of credit and internal risk grade, homogeneous risk pools and specific loss allocations, with qualitative factor adjustments for current events and conditions. The allowance calculation also includes an estimated adjustment for a Loss Emergence Period, which improves the Bank's ability to more accurately forecast probable losses that may exist in the loan portfolio that have not yet emerged into "problem loan" status. The Bank's process for determining the appropriate level of the allowance is designed to account for credit deterioration as it occurs. The provision reflects loan quality trends, including the levels of and trends related to non-accrual loans, past due loans, potential problem loans, criticized loans and net charge-offs or recoveries, and the overall size of the loan portfolio, among other factors. The provision also reflects the totality of actions taken on all loans for a particular period. In other words, the amount of the provision reflects not only the necessary increases in the allowance related to newly identified criticized loans, but it also reflects actions taken related to other loans including, among other things, any necessary increases or decreases in required allowances for specific loans or loan pools. <div> The level of the allowance reflects management's continuing evaluation of industry concentrations, specific credit risks, loan loss experience, current loan portfolio quality, present economic, political and regulatory conditions and unidentified losses inherent in the current loan portfolio. While management utilizes its best judgment and information available, the ultimate adequacy of the allowance is dependent upon a variety of factors beyond the Bank's control, including, among other things, the performance of the Bank's loan portfolio, the economy, changes in interest rates and the view of the regulatory authorities toward loan classifications. The Bank's allowance for loan losses consists of three principal elements: (i) specific valuation allowances determined in accordance with ASC Topic 310 based on probable losses on specific loans; (ii) historical valuation allowances determined in accordance with ASC Topic 450 based on historical loan loss experience for similar loans with similar characteristics and trends, adjusted, as necessary, to reflect the impact of current conditions; and (iii) general valuation allowances determined in accordance with ASC Topic 450 based on general economic conditions and other qualitative risk factors both internal and external to the Bank. The allowances established for probable losses on specific loans are based on a regular analysis and evaluation of problem loans. Loans are classified based on an internal credit risk grading process that evaluates, among other things: (i) the obligor's ability to repay; (ii) the underlying collateral, if any; and (iii) the economic environment and industry in which the borrower operates. This analysis is performed at the relationship level for all commercial loans. When a loan has a classification of substandard or worse, the Bank analyzes the loan to determine whether the loan is impaired and, if impaired, the need to specifically allocate a portion of the allowance to the loan. Specific valuation allowances are determined by analyzing the borrower's ability to repay amounts contractually owed, collateral deficiencies, the relative risk grade of the loan and economic conditions affecting the borrower's industry, among other observable considerations. Historical valuation allowances are calculated based on the historical loss experience of specific types of loans and the internal risk grade of such loans at the time they were charged-off. The Bank calculates historical loss ratios for pools of similar loans with similar characteristics based on the proportion of actual net charge-offs experienced to the total loan balance in the pool. The historical loss ratios are updated quarterly based on this net charge-off experience. A historical valuation allowance is established for each pool of similar loans based upon the product of the historical loss ratio and the total dollar amount of the loans in the pool, net of any loans for which reserves are already established. The Bank's pools of similar loans include similarly risk-graded groups of commercial real estate loans, commercial and industrial loans, commercial construction and development loans, municipal loans, residential mortgage loans, consumer revolving loans, and consumer installment loans. The general valuation allowance is determined by making adjustments to the historical valuation allowances (above), where adjustments are based on general economic conditions and other qualitative risk factors both internal and external to the Bank. Such qualitative factor adjustments are determined by evaluating, among other things: (i) changes in lending policies and procedures; (ii) economic and business conditions; (iii) changes in the volume and nature of the loan portfolio; (iv) experience, ability and depth of lending management and staff; (v) changes in asset quality and problem loan trends; (vi) quality of internal controls and effectiveness of loan review; (vii) concentrations of credit; (viii) external factors, including changes in competition, legal, and regulatory matters; and (ix) real estate market conditions and valuations of collateral. Management evaluates the degree of risk that each one of these components has on the quality of the loan portfolio on a quarterly basis. The results are then used to determine an appropriate general valuation allowance. Once established, the general valuation allowance is then modified by the Loss Emergence Period established for each pool of homogeneous loans. Loans identified as losses by management, external loan review and/or bank examiners, are charged-off. Furthermore, consumer loan accounts are charged-off based on regulatory requirements.</div></div> <div> <div> <div> The following tables detail activity in the allowance for loan losses by portfolio segment for the three and six months ended June 30, 2016, and 2015 and twelve months ended December 31, 2015. The tables also provide details regarding the Bank's recorded investment in loans related to each balance in the allowance for loan losses by portfolio segment and disaggregated on the basis of the Bank's impairment methodology. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. <div> <div> </div> <div> </div></div></div> <div> <div> <div> <div> <div> <div> <div> <div> <div> <table style="height: 194px; width: 982px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="center">Three Months</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="center">Commercial</td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="center">Ended</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="center">Commercial</td> <td align="left"> </td> <td align="right"> </td> <td align="center">Construction</td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="center">June 30, 2016</td> <td align="right"> </td> <td align="center">Commercial</td> <td align="left"> </td> <td align="right"> </td> <td align="center">and</td> <td align="left"> </td> <td align="right"> </td> <td align="center">and land</td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="center">Residential</td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="right">Home</td> <td align="left"> </td> <td align="right"> </td> <td align="right">Tax</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Industrial</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">development</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Agricultural</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Consumer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">Equity</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">Exempt</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Total</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td></tr> <tr valign="bottom"><td align="left">Beginning Balance</td> <td align="right">$</td> <td align="right">4,667</td> <td align="left"> </td> <td align="right">$</td> <td align="right">1,233</td> <td align="left"> </td> <td align="right">$</td> <td align="right">231</td> <td align="left"> </td> <td align="right">$</td> <td align="right">365</td> <td align="right">$</td> <td align="right">2,621</td> <td align="left"> </td> <td align="right">$</td> <td align="right">108</td> <td align="left"> </td> <td align="right">$</td> <td align="right">539</td> <td align="left">$</td> <td align="right"> </td> <td align="right">50</td> <td align="right">$</td> <td align="right">9,814</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Charged Off</td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right"> </td> <td align="right">(1</td> <td align="left">)</td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="right"> </td> <td align="right">(91</td> <td align="left">)</td> <td align="right"> </td> <td align="right">(7</td> <td align="left">)</td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="right"> </td> <td align="right">(99</td> <td align="left">)</td></tr> <tr valign="bottom"><td align="left">Recoveries</td> <td align="right"> </td> <td align="right">7</td> <td align="left"> </td> <td align="right"> </td> <td align="right">3</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="right"> </td> <td align="right">8</td> <td align="left"> </td> <td align="right"> </td> <td align="right">7</td> <td align="left"> </td> <td align="right"> </td> <td align="right">1</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="right"> </td> <td align="right">26</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Provision</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(9</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">32</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(36</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">18</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">145</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(8</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">7</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">1</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">150</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td></tr> <tr valign="bottom"><td align="left">Ending Balance</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">4,665</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,267</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">195</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">383</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">2,683</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">100</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">547</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">51</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">9,891</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr></table></div>  </div> <table style="height: 650px; width: 983px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Commercial</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td align="center">Six Months Ended</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Construction</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="center">June 30, 2016</td> <td align="center"> </td> <td align="center">Commercial</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Commercial</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">and land</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Residential</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Home</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Tax</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">and Industrial</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">development</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Agricultural</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 1px;" align="center">Consumer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Equity</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Exempt</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Total</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td></tr> <tr valign="bottom"><td align="left">Beginning Balance</td> <td align="right">$</td> <td align="right">4,246</td> <td align="left"> </td> <td align="right">$</td> <td align="right">1,236</td> <td align="left"> </td> <td align="left">$</td> <td align="right"> </td> <td align="center">184</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">307</td> <td align="right">$</td> <td align="right">2,747</td> <td align="left"> </td> <td align="right">$</td> <td align="right">111</td> <td align="left"> </td> <td align="right">$</td> <td align="right">561</td> <td align="left"> </td> <td align="right">$</td> <td align="right">47</td> <td align="left">$</td> <td align="right">9,439</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Charged Off</td> <td align="right"> </td> <td align="right">(34</td> <td align="left">)</td> <td align="right"> </td> <td align="right">(90</td> <td align="left">)</td> <td align="left"> </td> <td align="right">-</td> <td align="center">--</td> <td align="right">-</td> <td style="text-indent: 7px;" align="left">--</td> <td align="right"> </td> <td align="right">(122</td> <td align="left">)</td> <td align="right"> </td> <td align="right">(17</td> <td align="left">)</td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right">(263</td> <td align="left">)</td></tr> <tr valign="bottom"><td align="left">Recoveries</td> <td align="right"> </td> <td align="right">13</td> <td align="left"> </td> <td align="right"> </td> <td align="right">4</td> <td align="left"> </td> <td align="left"> </td> <td align="right">-</td> <td align="center">--</td> <td align="right"> </td> <td style="text-indent: 6px;" align="left">40</td> <td align="right"> </td> <td align="right">28</td> <td align="left"> </td> <td align="right"> </td> <td align="right">13</td> <td align="left"> </td> <td align="right"> </td> <td align="right">2</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right">100</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Provision</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">440</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">117</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">11</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 6px;" align="left">36</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">30</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(7</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(16</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">4</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">615</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td></tr> <tr valign="bottom"><td align="left">Ending Balance</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">4,665</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,267</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">195</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" align="left">383</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">2,683</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">100</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">547</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">51</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">9,891</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr> <tr><td colspan="26"> </td></tr> <tr valign="bottom"><td align="left">of which:</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr><td colspan="26"> </td></tr> <tr valign="bottom"><td align="left">Amount for loans</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">individually</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">evaluated for</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">43</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">175</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">60</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" align="left">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">54</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">38</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">370</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr> <tr><td colspan="26"> </td></tr> <tr valign="bottom"><td align="left">Amount for loans</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">collectively</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">evaluated for</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">4,622</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,092</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">135</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" align="left">383</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">2,629</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">62</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">547</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">51</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">9,521</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr> <tr><td colspan="26"> </td></tr> <tr valign="bottom"><td align="left">Loans individually</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">Evaluated for</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">2,436</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">309</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">813</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" align="left">127</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,540</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">7</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">203</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">5,435</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr> <tr><td colspan="26"> </td></tr> <tr valign="bottom"><td align="left">Loans collectively</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">Evaluated for</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr><td colspan="26"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">387,597</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">80,440</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">24,654</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" align="left">32,954</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">445,393</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">6,939</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">49,127</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">16,352</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,043,456</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr></table></div>  </div></div></div></div></div></div></div></div> <div> <div> <div> <div> <table style="height: 194px; width: 982px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="center">Commercial</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="center">Three Months</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="center">Construction</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="center">Ended June 30,</td> <td align="right"> </td> <td align="center">Commercial</td> <td align="left"> </td> <td align="right"> </td> <td align="center">Commercial</td> <td align="left"> </td> <td align="right"> </td> <td align="center">and land</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="center">Residential</td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="right">Home</td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="right">Tax</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">2015</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">and Industrial</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">development</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Agricultural</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">Consumer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">Equity</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="left">Exempt</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Total</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td></tr> <tr valign="bottom"><td align="left">Beginning Balance</td> <td align="right">$</td> <td align="right">4,500</td> <td align="left"> </td> <td align="right">$</td> <td align="right">1,074</td> <td align="left"> </td> <td align="right">$</td> <td align="left">107</td> <td align="right">$</td> <td align="right">334</td> <td align="right"> </td> <td align="right">2,875</td> <td align="left"> </td> <td align="right">$</td> <td align="right">145</td> <td align="left"> </td> <td align="right">$</td> <td align="right">367</td> <td align="left"> </td> <td align="left">$</td> <td align="right"> </td> <td align="right">76</td> <td align="right">$</td> <td align="right">9,478</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Charged Off</td> <td align="right"> </td> <td align="right">(181</td> <td align="left">)</td> <td align="right"> </td> <td align="right">(213</td> <td align="left">)</td> <td align="right">-</td> <td align="center">--</td> <td align="right">-</td> <td align="right">--</td> <td align="right"> </td> <td align="right">(70</td> <td align="left">)</td> <td align="right"> </td> <td align="right">(14</td> <td align="left">)</td> <td align="right"> </td> <td align="right">(311</td> <td align="left">)</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="right"> </td> <td align="right">(789</td> <td align="left">)</td></tr> <tr valign="bottom"><td align="left">Recoveries</td> <td align="right"> </td> <td align="right">5</td> <td align="left"> </td> <td align="right"> </td> <td align="right">1</td> <td align="left"> </td> <td align="right">-</td> <td align="center">--</td> <td align="right">-</td> <td align="right">--</td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="right"> </td> <td align="right">4</td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="left"> </td> <td align="left"> </td> <td align="right">-</td> <td align="right">--</td> <td align="right"> </td> <td align="right">10</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Provision</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(35</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">285</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">38</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">38</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(320</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(25</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">416</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">3</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">400</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td></tr> <tr valign="bottom"><td align="left">Ending Balance</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">4,289</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,147</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">145</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">372</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">2,485</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">110</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">472</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">79</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">9,099</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr></table></div>  </div> </div> <div> <div> <div> <div> <div> <div> <div> <table style="height: 656px; width: 983px;" cellspacing="0" border="0"> <tr valign="bottom"><td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="4%" align="center"> </td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="4%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Construction</td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="4%" align="center"> </td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="4%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td width="8%" align="center">Six Months Ended </td> <td width="2%" align="center"> </td> <td width="8%" align="center"> Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td style="text-indent: 1px;" width="8%" align="center">and land</td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="3%" align="center"> </td> <td width="2%" align="center"> </td> <td width="4%" align="center">Residential</td> <td width="2%" align="center"> </td> <td width="3%" align="center"> </td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center">Home</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">Tax</td> <td width="2%" align="center"> </td> <td width="4%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="8%" align="center">June 30, 2015</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center">and Industrial</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">development</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center">Agricultural</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 1px;" width="7%" align="center">Consumer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="center">Equity</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center">Exempt</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="center">Total</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Beginning Balance</td> <td width="2%" align="right">$</td> <td width="8%" align="right">4,468</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">929</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="8%" align="right">145</td> <td width="2%" align="right">$</td> <td width="7%" align="right">277</td> <td width="3%" align="right"> </td> <td width="2%" align="right">$</td> <td width="4%" align="right">2,714</td> <td width="2%" align="right"> </td> <td width="3%" align="right">$</td> <td width="7%" align="right">94</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="7%" align="right">271</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="6%" align="right">71</td> <td width="2%" align="right">$</td> <td width="4%" align="right">8,969</td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Charged Off</td> <td width="2%" align="right"> </td> <td width="8%" align="right">(206</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(288</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="8%" align="right">--</td> <td width="2%" align="right"> </td> <td width="7%" align="right">(18</td> <td width="3%" align="left">)</td> <td width="2%" align="right"> </td> <td width="4%" align="right">(70</td> <td width="2%" align="left">)</td> <td width="3%" align="right"> </td> <td width="7%" align="right">(25</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="7%" align="right">(351</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">--</td> <td width="2%" align="right"> </td> <td width="4%" align="right">(958</td> <td width="2%" align="left">)</td></tr> <tr valign="bottom"><td width="8%" align="left">Recoveries</td> <td width="2%" align="right"> </td> <td width="8%" align="right">39</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">2</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">--</td> <td width="2%" align="right"> </td> <td width="7%" align="right">12</td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right">129</td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right">11</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right">--</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">--</td> <td width="2%" align="right"> </td> <td width="4%" align="right">193</td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Provision</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">(12</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">504</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">101</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="right">(288</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">30</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">552</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">8</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="4%" align="right">895</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Ending Balance</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">4,289</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,147</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">145</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">372</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">2,485</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">110</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">472</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="6%" align="right">79</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">9,099</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr valign="bottom"><td width="8%" align="left">of which:</td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="3%" align="left"> </td> <td width="2%" align="left"> </td> <td width="4%" align="left"> </td> <td width="2%" align="left"> </td> <td width="3%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="4%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Amount for loans</td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="3%" align="left"> </td> <td width="2%" align="left"> </td> <td width="4%" align="left"> </td> <td width="2%" align="left"> </td> <td width="3%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="4%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">individually</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">evaluated for</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">419</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">169</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">47</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">40</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">1</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="6%" align="right">-</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">676</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Amount for loans</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">collectively</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">evaluated for</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="8%" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">3,870</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">978</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">145</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">325</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">2,445</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">110</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">471</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="6%" align="right">79</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">8,423</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Loans individually</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">evaluated for</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">2,992</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">469</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">1,260</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">166</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">1,180</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">9</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="6%" align="right">----</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">6,076</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td></tr> <tr><td width="99%" colspan="26"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Loans collectively</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">Evaluated for</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="3%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td> <td width="3%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right"> </td> <td width="2%" align="right"> </td> <td width="4%" align="right"> </td> <td width="2%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">351,137</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">87,733</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">33,160</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">33,368</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">392,575</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">11,132</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">51,794</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="6%" align="right">16,146</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="4%" align="right">977,045</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td></tr></table></div>   <div> <table style="height: 647px; width: 975px;" cellspacing="0" border="0"> <tr><td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="5%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="5%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="4%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Commercial</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="center">Twelve Months</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Commercial</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Construction</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td align="center">Ended</td> <td align="center"> </td> <td align="center">Commercial</td> <td align="center"> </td> <td align="center"> </td> <td align="center">and</td> <td align="center"> </td> <td align="center"> </td> <td style="text-indent: 1px;" align="center">and land</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Residential</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Home</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Tax</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">December 31, 2015</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Industrial</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">development</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Agricultural</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Real Estate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Consumer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Equity</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 1px;" align="center">Exempt</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Total</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td></tr> <tr valign="bottom"><td align="left">Beginning Balance</td> <td align="right">$</td> <td align="right">4,468</td> <td align="right"> </td> <td align="right">$</td> <td align="right">929</td> <td align="right"> </td> <td align="right">$</td> <td align="right">145</td> <td align="right">$</td> <td align="right">277</td> <td align="right"> </td> <td align="right">$</td> <td align="right">2,714</td> <td align="right"> </td> <td align="right">$</td> <td align="right">94</td> <td align="right"> </td> <td align="right">$</td> <td align="right">271</td> <td align="right"> </td> <td align="right">$</td> <td align="right">71</td> <td align="right"> </td> <td align="right">$</td> <td align="right">8,969</td> <td align="right"> </td></tr> <tr valign="bottom"><td align="left">Charged Off</td> <td align="right"> </td> <td align="right">(667</td> <td align="left">)</td> <td align="right"> </td> <td align="right">(323</td> <td align="left">)</td> <td align="right"> </td> <td style="text-indent: 6px;" align="right">---</td> <td align="right"> </td> <td align="right">(72</td> <td align="left">)</td> <td align="right"> </td> <td align="right">(70</td> <td align="left">)</td> <td align="right"> </td> <td align="right">(111</td> <td align="left">)</td> <td align="right"> </td> <td align="right">(376</td> <td align="left">)</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right"> </td> <td align="right">(1,619</td> <td align="left">)</td></tr> <tr valign="bottom"><td align="left">Recoveries</td> <td align="right"> </td> <td align="right">98</td> <td align="right"> </td> <td align="right"> </td> <td align="right">36</td> <td align="right"> </td> <td align="right"> </td> <td style="text-indent: 6px;" align="right">---</td> <td align="right"> </td> <td align="right">18</td> <td align="right"> </td> <td align="right"> </td> <td align="right">129</td> <td align="right"> </td> <td align="right"> </td> <td align="right">22</td> <td align="right"> </td> <td align="right"> </td> <td align="right">1</td> <td align="right"> </td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right"> </td> <td align="right">304</td> <td align="right"> </td></tr> <tr valign="bottom"><td align="left">Provision</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">347</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">594</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">39</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">84</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(26</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">106</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">665</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(24</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">1,785</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td></tr> <tr valign="bottom"><td align="left">Ending Balance</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">4,246</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,236</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">184</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">307</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">2,747</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">111</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">561</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">47</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">9,439</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td></tr> <tr><td colspan="27"> </td></tr> <tr valign="bottom"><td align="left">of which:</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr><td colspan="27"> </td></tr> <tr valign="bottom"><td align="left">Amount for loans</td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">individually</td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">evaluated</td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">for impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">43</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">175</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">58</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">97</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">373</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr> <tr><td colspan="27"> </td></tr> <tr valign="bottom"><td align="left">Amount for loans</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">collectively</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">evaluated for</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">4,203</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,061</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">126</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">307</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">2,650</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">111</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">561</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">47</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">9,066</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td></tr> <tr><td colspan="27"> </td></tr> <tr valign="bottom"><td align="left">Loans individually</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">evaluated</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">for impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">2,223</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">426</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,111</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">106</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,847</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">8</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">18</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">5,739</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td></tr> <tr><td colspan="27"> </td></tr> <tr valign="bottom"><td align="left">Loans collectively</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">evaluated</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">for impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">368,779</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">79,485</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">23,815</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">30,897</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">404,805</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">9,690</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">51,512</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">15,244</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">984,227</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr></table> </div></div></div> Loan Concentrations: Because of the Company's proximity to Acadia National Park, a large part of the economic activity in the Bank's area is generated from the hospitality business associated with tourism. At June 30, 2016, and December 31, 2015, loans to the lodging industry amounted to approximately $123,595 and $98,231, respectively. </div></div></div></div></div></div> </div>

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<div> Note 4: Recent Accounting Pronouncements ASU 2015-01, "Income Statement - Extraordinary and Unusual Items (Subtopic 225-20) – Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items." ASU 2015-01 eliminates from U.S. GAAP the concept of extraordinary items, which, among other things, required an entity to segregate extraordinary items considered to be unusual and infrequent from the results of ordinary operations and show the item separately in the income statement, net of tax, after income from continuing operations. ASU 2015-01 became effective for us on January 1, 2016 and did not have a significant impact on the Company's financial statements. ASU 2015-16, "Business Combinations (Topic 805) – Simplifying the Accounting for Measurement-Period Adjustments." ASU 2015-16 requires that adjustments to provisional amounts that are identified during the measurement period of a business combination be recognized in the reporting period in which the adjustment amounts are determined. Furthermore, the income statement effects of such adjustments, if any, must be calculated as if the accounting had been completed at the acquisition date. Any amounts that would have been recorded in previous reporting periods if the adjustment to the provisional amounts had been recognized as of the acquisition date should be recorded in current-period earnings. Under previous guidance, adjustments to provisional amounts identified during the measurement period were to be recognized retrospectively. ASU 2015-16 became effective for us on January 1, 2016 and did not have a significant impact on the Company's financial statements. ASU 2016-01 "Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities," which updates certain aspects of recognition, measurement, presentation and disclosure of financial instruments. The new guidance requires equity investments to be measured at fair value with changes in fair value recognized in net income, excluding equity investments that are consolidated or accounted for under the equity method of accounting. The new guidance allows equity investments without readily determinable fair values to be measured at cost minus impairment, with a qualitative assessment required to identify impairment. The new guidance also requires public companies to use exit prices to measure the fair value of financial instruments, eliminates the disclosure requirements related to measurement assumptions for the fair value of instruments measured at amortized cost and requires separate presentation of financial assets and liabilities based on form and measurement category. In addition, for liabilities measured at fair value under the fair value option, the changes in fair value due to changes in instrument-specific credit risk should be recognized in OCI. This guidance is effective for fiscal years beginning after December 15, 2017 and interim periods within those fiscal years. The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements. ASU 2016-02, Leases (Topic 842). The guidance in this ASU supersedes the leasing guidance in Topic 840, Leases. Under the new guidance, lessees are required to recognize lease assets and lease liabilities on the balance sheet for all leases with terms longer than 12 months. Leases will be classified as either finance or operating, with classification affecting the pattern of expense recognition in the income statement. The new standard is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements. ASU 2016-05"Derivatives and Hedging (Topic 815) Effect of Derivative Contract Novations on Existing Hedge Accounting Relationships." ASU 2016-05 clarifies that a change in the counterparty to a derivative instrument that has been designated as the hedging instrument under ASC Topic 815 does not, in and of itself, require dedesignation of that hedging relationship provided that all other hedge accounting criteria continue to be met. ASU 2016-05 will be effective for us on January 1, 2017 and is not expected to have a significant impact on the Company's our financial statements. ASU 2016-07, "Investments - Equity Method and Joint Ventures (Topic 323): Simplifying the Transition to the Equity Method of Accounting." The amendments affect all entities that have an investment that becomes qualified for the equity method of accounting as a result of an increase in the level of ownership interest or degree of influence. ASU 2016-07 simplifies the transition to the equity method of accounting by eliminating retroactive adjustment of the investment when an investment qualifies for use of the equity method, among other things. ASU 2016-07 will be effective for the Company on January 1, 2017 and is not expected to have a significant impact on our financial statements. ASU 2016-09, "Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting." Under ASU 2016-09 all excess tax benefits and tax deficiencies related to share-based payment awards should be recognized as income tax expense or benefit in the income statement during the period in which they occur. Previously, such amounts were recorded in the pool of excess tax benefits included in additional paid-in capital, if such pool was available. Because excess tax benefits are no longer recognized in additional paid-in capital, the assumed proceeds from applying the treasury stock method when computing earnings per share should exclude the amount of excess tax benefits that would have previously been recognized in additional paid-in capital. Additionally, excess tax benefits should be classified along with other income tax cash flows as an operating activity rather than a financing activity, as was previously the case. ASU 2016-09 also provides that an entity can make an entity-wide accounting policy election to either estimate the number of awards that are expected to vest (current GAAP) or account for forfeitures when they occur. ASU 2016-09 changes the threshold to qualify for equity classification (rather than as a liability) to permit withholding up to the maximum statutory tax rates (rather than the minimum as was previously the case) in the applicable jurisdictions. ASU 2016-09 will be effective on January 1, 2017 and is not expected to have a significant impact on the Company's financial statements. ASU 2016-13, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. ASU 2016-13, was issued to provide financial statement users with information about expected credit losses on financial instruments and other commitments to extend credit rather than the current "incurred loss" model. For public business entities, the new standard is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements. </div>

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<div> <div> Note 1: Basis of Presentation The accompanying consolidated interim financial statements are unaudited. In the opinion of management, all adjustments considered necessary for a fair presentation have been included. All inter-company transactions have been eliminated in consolidation. Amounts in the prior period financial statements are reclassified whenever necessary to conform to current period presentation. The net income reported for the three and six months ended June 30, 2016, is not necessarily indicative of the results that may be expected for the year ending December 31, 2016, or any other interim periods. The consolidated balance sheet at December 31, 2015, has been derived from audited consolidated financial statements at that date. The accompanying unaudited interim consolidated financial statements have been prepared in accordance with United States ("U.S.") generally accepted accounting principles for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X (17 CFR Part 210). Accordingly, they do not include all of the information and footnotes required by U.S. generally accepted accounting principles for complete financial statements. For further information, please refer to the consolidated financial statements included in the Company's Annual Report on Form 10-K for the year ended December 31, 2015, and notes thereto.</div> </div>

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119000

110000

<div> <table style="height: 151px; width: 451px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="right">2016</td> <td align="left"> </td> <td align="right"> </td> <td align="right">2015</td> <td align="left"> </td></tr> <tr><td colspan="7"> </td></tr> <tr valign="bottom"><td align="left">Balance at beginning of year</td> <td align="right">$</td> <td align="right">256</td> <td align="left"> </td> <td align="right">$</td> <td align="right">523</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Additions</td> <td align="right"> </td> <td align="center">-</td> <td align="left"> </td> <td align="right"> </td> <td align="center">-</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Disposals</td> <td align="right"> </td> <td align="center">-</td> <td align="left"> </td> <td align="right"> </td> <td align="right">(110</td> <td align="left">)</td></tr> <tr valign="bottom"><td align="left">Writedowns</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(47</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(20</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td></tr> <tr valign="bottom"><td align="left">Balance at end of period</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">209</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">393</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr></table> </div>

20000

47000

3413000

3180000

2793000

1697000

233000

1483000

1096000

<div> <div> <table style="height: 333px; width: 487px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="right">2016</td> <td align="right"> </td> <td align="right">2015</td></tr> <tr><td colspan="5"> </td></tr> <tr valign="bottom"><td align="left">Estimated credit losses as of March 31,</td> <td align="right">$</td> <td align="right">2,793</td> <td align="right">$</td> <td align="right">3,413</td></tr> <tr valign="bottom"><td align="left">Additions for credit losses for securities on which</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">OTTI has been previously recognized</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td></tr> <tr valign="bottom"><td align="left">Additions for credit losses for securities on which</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">OTTI has not been previously recognized</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td></tr> <tr valign="bottom"><td align="left">Reductions for securities sold or paid off during the period</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">1,096</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">233</td></tr> <tr valign="bottom"><td align="left">Estimated credit losses as of June 30,</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,697</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">3,180</td></tr> <tr><td colspan="5"> </td></tr> <tr valign="bottom"><td align="left">Estimated credit losses as of prior year-end,</td> <td align="right">$</td> <td align="right">3,180</td> <td align="right">$</td> <td align="right">3,413</td></tr> <tr valign="bottom"><td align="left">Additions for credit losses for securities on which</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">OTTI has been previously recognized</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td></tr> <tr valign="bottom"><td align="left">Additions for credit losses for securities on which</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">OTTI has not been previously recognized</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td></tr> <tr valign="bottom"><td align="left">Reductions for securities sold or paid off during the period</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">1,483</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">233</td></tr> <tr valign="bottom"><td align="left">Estimated credit losses as of June 30,</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,697</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">3,180</td></tr></table></div> </div>

48000

<div> <div> <table style="height: 395px; width: 737px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">>90 Days</td> <td align="center"> </td></tr> <tr valign="bottom"><td align="center">June 30, 2016</td> <td align="center"> </td> <td align="center">30-59</td> <td align="center"> </td> <td align="center">60-89</td> <td align="center"> </td> <td align="center">90 Days</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Past Due</td> <td align="center"> </td></tr> <tr valign="bottom"><td align="center"> </td> <td align="center"> </td> <td align="center">Days</td> <td align="center"> </td> <td align="center">Days</td> <td align="center"> </td> <td align="center">or</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Total</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td style="text-indent: 3px;" align="center">Total</td> <td align="center"> </td> <td align="center">Non-</td> <td align="center"> </td> <td align="center">and</td> <td align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Past Due</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Past Due</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Greater</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Past Due</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Current</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="center">Loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Accrual</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Accruing</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td></tr> <tr valign="bottom"><td align="left">Commercial real</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">estate mortgages</td> <td align="right">$</td> <td align="right">844</td> <td align="right">$</td> <td align="right">103</td> <td align="right">$</td> <td align="right">333</td> <td align="right"> </td> <td align="right">$</td> <td align="right">1,280</td> <td align="right"> </td> <td align="right">388,753</td> <td align="right">$</td> <td align="right">390,033</td> <td align="right">$</td> <td align="right">1,087</td> <td align="right">$</td> <td align="right">---</td> <td align="right"> </td></tr> <tr valign="bottom"><td align="left">Commercial and industrial</td> <td align="right"> </td> <td align="right">4</td> <td align="right"> </td> <td align="right">30</td> <td align="right"> </td> <td align="right">190</td> <td align="right"> </td> <td align="right"> </td> <td align="right">224</td> <td align="right"> </td> <td align="right">80,525</td> <td align="right"> </td> <td align="right">80,749</td> <td align="right"> </td> <td align="right">190</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td></tr> <tr valign="bottom"><td align="left">Commercial construction</td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">and land development</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">813</td> <td align="right"> </td> <td align="right"> </td> <td align="right">813</td> <td align="right"> </td> <td align="right">24,654</td> <td align="right"> </td> <td align="right">25,467</td> <td align="right"> </td> <td align="right">813</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td></tr> <tr valign="bottom"><td align="left">Agricultural and other</td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">loans to farmers</td> <td align="right"> </td> <td align="right">13</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">81</td> <td align="right"> </td> <td align="right"> </td> <td align="right">94</td> <td align="right"> </td> <td align="right">32,987</td> <td align="right"> </td> <td align="right">33,081</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">81</td> <td align="right"> </td></tr> <tr valign="bottom"><td align="left">Residential real</td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">estate mortgages</td> <td align="right"> </td> <td align="right">1,488</td> <td align="right"> </td> <td align="right">753</td> <td align="right"> </td> <td align="right">991</td> <td align="right"> </td> <td align="right"> </td> <td align="right">3,232</td> <td align="right"> </td> <td align="right">443,701</td> <td align="right"> </td> <td align="right">446,933</td> <td align="right"> </td> <td align="right">3,157</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td></tr> <tr valign="bottom"><td align="left">Home equity</td> <td align="right"> </td> <td align="right">31</td> <td align="right"> </td> <td align="right">15</td> <td align="right"> </td> <td align="right">10</td> <td align="right"> </td> <td align="right"> </td> <td align="right">56</td> <td align="right"> </td> <td align="right">49,274</td> <td align="right"> </td> <td align="right">49,330</td> <td align="right"> </td> <td align="right">134</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td></tr> <tr valign="bottom"><td align="left">Other consumer loans</td> <td align="right"> </td> <td align="right">34</td> <td align="right"> </td> <td align="right">1</td> <td align="right"> </td> <td align="right">2</td> <td align="right"> </td> <td align="right"> </td> <td align="right">37</td> <td align="right"> </td> <td align="right">6,909</td> <td align="right"> </td> <td align="right">6,946</td> <td align="right"> </td> <td align="right">91</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td></tr> <tr valign="bottom"><td align="left">Tax exempt</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">16,352</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">16,352</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">  </td></tr> <tr valign="bottom"><td align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">2,414</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">902</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">2,420</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">5,736</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,043,155</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,048,891</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">5,472</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">81</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td></tr></table></div>   <div> <table cellspacing="0" border="0"> <tr><td width="15%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td></tr> <tr valign="bottom"><td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">>90 Days</td> <td align="center"> </td></tr> <tr valign="bottom"><td style="text-indent: 4px;" align="center">December 31, 2015</td> <td align="center"> </td> <td align="center">30-59</td> <td align="center"> </td> <td align="center">60-89</td> <td align="center"> </td> <td align="center">90 Days</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Past Due</td> <td align="center"> </td></tr> <tr valign="bottom"><td align="center"> </td> <td align="center"> </td> <td align="center">Days</td> <td align="center"> </td> <td align="center">Days</td> <td align="center"> </td> <td align="center">or</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Total</td> <td align="center"> </td> <td align="center"> </td> <td align="center"> </td> <td style="text-indent: 2px;" align="center">Total</td> <td align="center"> </td> <td align="center">Non-</td> <td align="center"> </td> <td align="center">and</td> <td align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Past Due</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Past Due</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Greater</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Past Due</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Current</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" align="center">Loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Accrual</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Accruing</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td></tr> <tr valign="bottom"><td align="left">Commercial real</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">estate mortgages</td> <td align="right">$</td> <td align="right">99</td> <td align="right">$</td> <td align="right">287</td> <td align="right">$</td> <td align="right">241</td> <td align="right"> </td> <td align="right">$</td> <td align="right">627</td> <td align="right">$</td> <td align="right">370,375</td> <td align="right">$</td> <td align="right">371,002</td> <td align="right">$</td> <td align="right">1,279</td> <td align="right">$</td> <td align="right">---</td> <td align="right"> </td></tr> <tr valign="bottom"><td align="left">Commercial and industrial</td> <td align="right"> </td> <td align="right">9</td> <td align="right"> </td> <td align="right">1</td> <td align="right"> </td> <td align="right">271</td> <td align="right"> </td> <td align="right"> </td> <td align="right">281</td> <td align="right"> </td> <td align="right">79,630</td> <td align="right"> </td> <td align="right">79,911</td> <td align="right"> </td> <td align="right">292</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td></tr> <tr valign="bottom"><td align="left">Commercial construction</td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">and land development</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">1,111</td> <td align="right"> </td> <td align="right"> </td> <td align="right">1,111</td> <td align="right"> </td> <td align="right">23,815</td> <td align="right"> </td> <td align="right">24,926</td> <td align="right"> </td> <td align="right">1,111</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td></tr> <tr valign="bottom"><td align="left">Agricultural and other</td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">loans to farmers</td> <td align="right"> </td> <td align="right">12</td> <td align="right"> </td> <td align="right">70</td> <td align="right"> </td> <td align="right">3</td> <td align="right"> </td> <td align="right"> </td> <td align="right">85</td> <td align="right"> </td> <td align="right">30,918</td> <td align="right"> </td> <td align="right">31,003</td> <td align="right"> </td> <td align="right">16</td> <td align="right"> </td> <td align="right">3</td> <td align="right"> </td></tr> <tr valign="bottom"><td align="left">Residential real</td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td> <td align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">estate mortgages</td> <td align="right"> </td> <td align="right">1,313</td> <td align="right"> </td> <td align="right">452</td> <td align="right"> </td> <td align="right">1,299</td> <td align="right"> </td> <td align="right"> </td> <td align="right">3,064</td> <td align="right"> </td> <td align="right">403,588</td> <td align="right"> </td> <td align="right">406,652</td> <td align="right"> </td> <td align="right">3,452</td> <td align="right"> </td> <td align="right">25</td> <td align="right"> </td></tr> <tr valign="bottom"><td align="left">Home equity</td> <td align="right"> </td> <td align="right">245</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">797</td> <td align="right"> </td> <td align="right"> </td> <td align="right">1,042</td> <td align="right"> </td> <td align="right">50,488</td> <td align="right"> </td> <td align="right">51,530</td> <td align="right"> </td> <td align="right">820</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td></tr> <tr valign="bottom"><td align="left">Other consumer loans</td> <td align="right"> </td> <td align="right">66</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td> <td align="right"> </td> <td align="right">66</td> <td align="right"> </td> <td align="right">9,632</td> <td align="right"> </td> <td align="right">9,698</td> <td align="right"> </td> <td align="right">10</td> <td align="right"> </td> <td align="right">--</td> <td align="right"> </td></tr> <tr valign="bottom"><td align="left">Tax exempt</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">15,244</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">15,244</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">  </td></tr> <tr valign="bottom"><td align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,744</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">810</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">3,722</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">6,276</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">983,690</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">989,966</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">6,980</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">28</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right"> </td></tr></table></div> </div>

8000

481000

2952000

3219000

89314000

110269000

-15000000

22435000

49796000

1313000

3065000

66493000

63750000

54257000

48472000

20428000

44656000

110000

731000

355000

44000

-47000

20674000

22951000

895000

400000

615000

150000

895000

101000

8000

504000

-12000

30000

552000

-288000

1785000

84000

39000

-24000

594000

347000

106000

665000

-26000

400000

38000

285000

-35000

-25000

416000

-320000

615000

36000

11000

4000

117000

440000

-7000

-16000

30000

150000

18000

-36000

1000

32000

-9000

-8000

7000

145000

<div> <div> Note 9: Other Real Estate Owned Other real estate owned ("OREO") is classified in Other Assets on the Company's balance sheet.</div> The Company's OREO activity for the six months ended June 30, 2016 and 2015 are presented below: <div align="left"> <div> <div> <table style="height: 151px; width: 451px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="right">2016</td> <td align="left"> </td> <td align="right"> </td> <td align="right">2015</td> <td align="left"> </td></tr> <tr><td colspan="7"> </td></tr> <tr valign="bottom"><td align="left">Balance at beginning of year</td> <td align="right">$</td> <td align="right">256</td> <td align="left"> </td> <td align="right">$</td> <td align="right">523</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Additions</td> <td align="right"> </td> <td align="center">-</td> <td align="left"> </td> <td align="right"> </td> <td align="center">-</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Disposals</td> <td align="right"> </td> <td align="center">-</td> <td align="left"> </td> <td align="right"> </td> <td align="right">(110</td> <td align="left">)</td></tr> <tr valign="bottom"><td align="left">Writedowns</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(47</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(20</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td></tr> <tr valign="bottom"><td align="left">Balance at end of period</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">209</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">393</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr></table></div>  </div></div>   The Company's OREO portfolio by property type is presented in the table below as of June 30, 2016 and December 31, 2015: <div> <table style="height: 186px; width: 456px;" cellspacing="0" border="0"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr valign="bottom"><td align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="center">2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="center">2015</td></tr> <tr valign="bottom"><td align="left"> </td> <td align="center">Number</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Number</td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="center">of</td> <td align="center"> </td> <td align="center">Carrying</td> <td align="center">of</td> <td align="center"> </td> <td align="center">Carrying</td></tr> <tr valign="bottom"><td align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">properties</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">properties</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">value</td></tr> <tr><td colspan="7"> </td></tr> <tr valign="bottom"><td align="left">Residential</td> <td align="center">2</td> <td align="right">$</td> <td align="right">119</td> <td align="center">3</td> <td align="right">$</td> <td align="right">143</td></tr> <tr valign="bottom"><td align="left">Commercial</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">1</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">90</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">2</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">250</td></tr> <tr valign="bottom"><td align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">3</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">209</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">5</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">393</td></tr></table></div> The Company's net gains and losses on OREO properties are presented within non-interest expense on the consolidated statements of income. <div> The Company recorded net gains and losses on OREO properties for the three and six months ended June 30, 2016 and 2015 as follows: <div align="left"> <div> <div> <table style="height: 145px; width: 475px;" cellspacing="0" border="0"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr valign="bottom"><td align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="4" align="center">June 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="center">June 30, 2015</td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">Three</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Six</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Three</td> <td align="center"> </td> <td align="center">Six</td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">Months</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Months</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Months</td> <td align="center"> </td> <td align="center">Months</td></tr> <tr valign="bottom"><td align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Ended</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Ended</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Ended</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Ended</td></tr> <tr><td colspan="11"> </td></tr> <tr valign="bottom"><td align="left">Net (losses) gains on OREO</td> <td align="right">$</td> <td align="right">(47</td> <td align="left">)</td> <td align="right">$</td> <td align="right">(47</td> <td align="left">)</td> <td align="right">$</td> <td align="center">44</td> <td align="right">$</td> <td align="right">44</td></tr></table></div></div></div>   At June 30, 2016, the Bank had consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings were in process according to local requirements of the applicable jurisdictions totaling $2,937 compared with $4,575 at December 31, 2015.</div> </div>

11003000

7008000

122260000

127672000

<div> <table style="height: 428px; width: 564px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="right">June 30,</td> <td align="left"> </td> <td align="right"> </td> <td align="center">December 31,</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="right">2016</td> <td align="left"> </td> <td align="right"> </td> <td align="right">2015</td> <td align="left"> </td></tr> <tr><td colspan="7"> </td></tr> <tr valign="bottom"><td align="left">Commercial real estate mortgages</td> <td align="right">$</td> <td align="right">390,033</td> <td align="left"> </td> <td align="right">$</td> <td align="right">371,002</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Commercial and industrial</td> <td align="right"> </td> <td align="right">80,749</td> <td align="left"> </td> <td align="right"> </td> <td align="right">79,911</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Commercial construction and land development</td> <td align="right"> </td> <td align="right">25,467</td> <td align="left"> </td> <td align="right"> </td> <td align="right">24,926</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Agricultural and other loans to farmers</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">33,081</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">31,003</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Total commercial loans</td> <td align="right"> </td> <td align="right">529,330</td> <td align="left"> </td> <td align="right"> </td> <td align="right">506,842</td> <td align="left"> </td></tr> <tr><td colspan="7"> </td></tr> <tr valign="bottom"><td align="left">Residential real estate mortgages</td> <td align="right"> </td> <td align="right">446,933</td> <td align="left"> </td> <td align="right"> </td> <td align="right">408,401</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Home equity loans</td> <td align="right"> </td> <td align="right">49,330</td> <td align="left"> </td> <td align="right"> </td> <td align="right">51,530</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Other consumer loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">6,946</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">7,949</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Total consumer loans</td> <td align="right"> </td> <td align="right">503,209</td> <td align="left"> </td> <td align="right"> </td> <td align="right">467,880</td> <td align="left"> </td></tr> <tr><td colspan="7"> </td></tr> <tr valign="bottom"><td align="left">Tax exempt loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">16,352</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">15,244</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td></tr> <tr><td colspan="7"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">Net deferred loan costs and fees</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">131</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">104</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td></tr> <tr valign="bottom"><td align="left">Total loans</td> <td align="right"> </td> <td align="right">1,049,022</td> <td align="left"> </td> <td align="right"> </td> <td align="right">990,070</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Allowance for loan losses</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(9,891</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">(9,439</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">)</td></tr> <tr valign="bottom"><td align="left">Total loans net of allowance for loan losses</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,039,131</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">980,631</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr></table> </div>

<div> <div> <div> <div> <table style="height: 247px; width: 611px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left">June 30, 2016</td> <td align="right"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Gross</td> <td align="center"> </td> <td align="center">Gross</td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">Amortized</td> <td align="center"> </td> <td align="center">Unrealized</td> <td align="center"> </td> <td align="center">Unrealized</td> <td align="center"> </td> <td align="center">Estimated</td></tr> <tr valign="bottom"><td align="left">Available for Sale:</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Cost</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Gains</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Losses</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Fair Value</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Mortgage-backed securities:</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">US Government-sponsored enterprises</td> <td align="right">$</td> <td align="right">323,684</td> <td align="right">$</td> <td align="right">9,693</td> <td align="right">$</td> <td align="right">397</td> <td align="right">$</td> <td align="right">332,980</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">US Government agency</td> <td align="right"> </td> <td align="right">80,472</td> <td align="right"> </td> <td align="right">1,993</td> <td align="right"> </td> <td align="right">97</td> <td align="right"> </td> <td align="right">82,368</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Private label</td> <td align="right"> </td> <td align="right">1,128</td> <td align="right"> </td> <td align="right">218</td> <td align="right"> </td> <td align="right">19</td> <td align="right"> </td> <td align="right">1,327</td></tr> <tr valign="bottom"><td align="left">Obligations of states and</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">political subdivisions thereof</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">109,898</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">6,108</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">91</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">115,915</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">515,182</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">18,012</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">604</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">532,590</td></tr></table></div>   <div> <table style="height: 248px; width: 621px;" cellspacing="0" border="0"> <tr><td width="37%"> </td> <td width="3%"> </td> <td width="13%"> </td> <td width="3%"> </td> <td width="12%"> </td> <td width="3%"> </td> <td width="12%"> </td> <td width="3%"> </td> <td width="11%"> </td></tr> <tr valign="bottom"><td align="left">December 31, 2015</td> <td align="right"> </td> <td align="center"> </td> <td align="center"> </td> <td align="center">Gross</td> <td align="center"> </td> <td align="center">Gross</td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">Amortized</td> <td align="center"> </td> <td align="center">Unrealized</td> <td align="center"> </td> <td align="center">Unrealized</td> <td align="center"> </td> <td align="center">Estimated</td></tr> <tr valign="bottom"><td align="left">Available for Sale:</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Cost</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Gains</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Losses</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Fair Value</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Mortgage-backed securities:</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">US Government-sponsored enterprises</td> <td align="right">$</td> <td align="right">304,106</td> <td align="right">$</td> <td align="right">5,042</td> <td align="right">$</td> <td align="right">2,155</td> <td align="right">$</td> <td align="right">306,993</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">US Government agency</td> <td align="right"> </td> <td align="right">78,408</td> <td align="right"> </td> <td align="right">1,269</td> <td align="right"> </td> <td align="right">547</td> <td align="right"> </td> <td align="right">79,130</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Private label</td> <td align="right"> </td> <td align="right">2,713</td> <td align="right"> </td> <td align="right">762</td> <td align="right"> </td> <td align="right">11</td> <td align="right"> </td> <td align="right">3,464</td></tr> <tr valign="bottom"><td align="left">Obligations of states and</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" align="left">political subdivisions thereof</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">110,952</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">4,758</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">328</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">115,382</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">496,179</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">11,831</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">3,041</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">504,969</td></tr></table></div></div></div> </div>

<div> <table style="height: 379px; width: 636px;" cellspacing="0" border="0"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="left"> </td> <td colspan="3" align="right">Three Months Ended</td> <td align="left"> </td> <td colspan="3" align="right">Six Months Ended</td></tr> <tr valign="bottom"><td align="left"> </td> <td align="left"> </td> <td colspan="3" align="center">June 30,</td> <td align="left"> </td> <td colspan="3" align="center">June 30,</td></tr> <tr valign="bottom"><td align="left"> </td> <td align="left"> </td> <td align="left">2016</td> <td align="left"> </td> <td align="left">2015</td> <td align="left"> </td> <td align="left">2016</td> <td align="left"> </td> <td align="left">2015</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Net income</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">4,311</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">3,873</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">8,717</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">7,754</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Weighted average common shares outstanding</td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Basic</td> <td align="left"> </td> <td align="right">6,021,316</td> <td colspan="2" align="right">5,973,758</td> <td align="left"> </td> <td align="right">6,015,257</td> <td colspan="2" align="right">5,963,704</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Effect of dilutive employee stock options</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">64,985</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">90,655</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">68,110</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">86,418</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Diluted</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">6,086,301</td> <td style="border-bottom: rgb(0,0,0) 3px double;" colspan="2" align="right">6,064,413</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">6,083,367</td> <td style="border-bottom: rgb(0,0,0) 3px double;" colspan="2" align="right">6,050,122</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Anti-dilutive options excluded from</td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="center">earnings per share calculation</td> <td align="left"> </td> <td align="right">75,763</td> <td align="left"> </td> <td align="right">10,950</td> <td align="left"> </td> <td align="right">80,263</td> <td align="left"> </td> <td align="right">11,197</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Per Common Share Data:</td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Basic earnings per share</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">0.72</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">0.65</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1.45</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1.30</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Diluted earnings per share</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">0.71</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">0.64</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1.43</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1.28</td></tr></table> </div>

<div> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="center">Level 1</td> <td align="right"> </td> <td style="text-indent: 1px;" align="left">Level 2</td> <td align="center">Level 3</td> <td align="right"> </td> <td align="center">Total Fair</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">June 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Value</td></tr> <tr valign="bottom"><td align="left">Securities available for sale:</td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Mortgage-backed securities:</td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">US Government-sponsored enterprises</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">332,980</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">332,980</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">US Government agencies</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">82,368</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">82,368</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">Private label</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">1,327</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">1,327</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Obligations of states and political subdivisions thereof</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">115,915</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">115,915</td></tr> <tr valign="bottom"><td align="left">Derivative assets</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">842</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">842</td></tr></table></div> <div> </div> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="center">Level 1</td> <td align="right"> </td> <td align="left">Level 2</td> <td align="center">Level 3</td> <td align="right"> </td> <td align="center">Total Fair</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">December 31, 2015</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Value</td></tr> <tr valign="bottom"><td align="left">Securities available for sale:</td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Mortgage-backed securities:</td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">US Government-sponsored enterprises</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">306,993</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">306,993</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">US Government agencies</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">79,130</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">79,130</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">Private label</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">3,464</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">3,464</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Obligations of states and political subdivisions thereof</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">115,382</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">115,382</td></tr> <tr valign="bottom"><td align="left">Derivative assets</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">2,069</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">2,069</td></tr></table></div> </div>

<div> <table style="height: 356px; width: 598px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">June 30,</td> <td align="right"> </td> <td align="center">December 31,</td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="right">2016</td> <td align="right"> </td> <td align="right">2015</td></tr> <tr><td colspan="5"> </td></tr> <tr valign="bottom"><td align="left">Commercial real estate mortgages</td> <td align="right">$</td> <td align="right">1,087</td> <td align="right">$</td> <td align="right">1,279</td></tr> <tr valign="bottom"><td align="left">Commercial and industrial loans</td> <td align="right"> </td> <td align="right">190</td> <td align="right"> </td> <td align="right">292</td></tr> <tr valign="bottom"><td align="left">Commercial construction and land development</td> <td align="right"> </td> <td align="right">813</td> <td align="right"> </td> <td align="right">1,111</td></tr> <tr valign="bottom"><td align="left">Agricultural and other loans to farmers</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">16</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">Total commercial loans</td> <td align="right"> </td> <td align="right">2,090</td> <td align="right"> </td> <td align="right">2,698</td></tr> <tr><td colspan="5"> </td></tr> <tr valign="bottom"><td align="left">Residential real estate mortgages</td> <td align="right"> </td> <td align="right">3,157</td> <td align="right"> </td> <td align="right">3,452</td></tr> <tr valign="bottom"><td align="left">Home equity loans</td> <td align="right"> </td> <td align="right">134</td> <td align="right"> </td> <td align="right">820</td></tr> <tr valign="bottom"><td align="left">Other consumer loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">91</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">10</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">Total consumer loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">3,382</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">4,282</td></tr> <tr><td colspan="5"> </td></tr> <tr valign="bottom"><td align="left">Total non-accrual loans</td> <td align="right"> </td> <td align="right">5,472</td> <td align="right"> </td> <td align="right">6,980</td></tr> <tr valign="bottom"><td align="left">Accruing loans contractually past due 90 days or more</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">81</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">28</td></tr> <tr valign="bottom"><td align="left">Total non-performing loans</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">5,553</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">7,008</td></tr></table> </div>

<div> <table style="height: 210px; width: 402px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">Gross</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Net of Tax</td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">June 30, 2016</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Unrealized loss on interest rate caps</td> <td align="right">$</td> <td align="right">(3,711</td> <td align="left">)</td> <td align="right">$</td> <td align="right">(2,412</td> <td align="left">)</td></tr> <tr valign="bottom"><td align="left">Unamortized premium on interest rate caps</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">4,553</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">2,959</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td></tr> <tr valign="bottom"><td align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">842</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">547</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr> <tr><td colspan="7"> </td></tr> <tr valign="bottom"><td align="left">December 31, 2015</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left">Unrealized loss on interest rate caps</td> <td align="right">$</td> <td align="right">(2,495</td> <td align="left">)</td> <td align="right">$</td> <td align="right">(1,621</td> <td align="left">)</td></tr> <tr valign="bottom"><td align="left">Unamortized premium on interest rate caps</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">4,564</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">2,966</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td></tr> <tr valign="bottom"><td align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">2,069</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">1,345</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr></table> </div>

<div> <table style="height: 328px; width: 562px;" cellspacing="0" border="0"> <tr valign="bottom"><td width="58%" align="center"> </td> <td width="3%" align="center"> </td> <td width="36%" colspan="3" align="center">Supplemental Executive</td></tr> <tr valign="bottom"><td width="58%" align="center"> </td> <td width="3%" align="center"> </td> <td width="36%" colspan="3" align="center">Retirement Plans</td></tr> <tr><td width="97%" colspan="5" align="center"> </td></tr> <tr valign="bottom"><td width="58%" align="left">Three Months Ended June 30,</td> <td width="3%" align="center"> </td> <td width="18%" align="center">2016</td> <td width="3%" align="center"> </td> <td width="15%" align="center">2015</td></tr> <tr><td width="97%" colspan="5"> </td></tr> <tr valign="bottom"><td width="58%" align="left">Service cost</td> <td width="3%" align="right">$</td> <td width="18%" align="right">18</td> <td width="3%" align="right">$</td> <td width="15%" align="right">19</td></tr> <tr valign="bottom"><td width="58%" align="left">Interest cost</td> <td width="3%" align="right"> </td> <td width="18%" align="right">32</td> <td width="3%" align="right"> </td> <td width="15%" align="right">31</td></tr> <tr valign="bottom"><td width="58%" align="left">Actuarial loss on supplemental executive retirement plan</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="18%" align="right">7</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="right">8</td></tr> <tr valign="bottom"><td width="58%" align="left">     Net periodic benefit cost</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="18%" align="right">57</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="15%" align="right">58</td></tr> <tr><td width="97%" colspan="5"> </td></tr> <tr valign="bottom"><td width="58%" align="left">Six Months Ended June 30,</td> <td width="3%" align="right"> </td> <td width="18%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="left"> </td></tr> <tr><td width="97%" colspan="5"> </td></tr> <tr valign="bottom"><td width="58%" align="left">Service cost</td> <td width="3%" align="right">$</td> <td width="18%" align="right">36</td> <td width="3%" align="right">$</td> <td width="15%" align="right">36</td></tr> <tr valign="bottom"><td width="58%" align="left">Interest cost</td> <td width="3%" align="right"> </td> <td width="18%" align="right">64</td> <td width="3%" align="right"> </td> <td width="15%" align="right">62</td></tr> <tr valign="bottom"><td width="58%" align="left">Actuarial loss on supplemental executive retirement plan</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="18%" align="right">14</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="right">19</td></tr> <tr valign="bottom"><td width="58%" align="left">    Net periodic benefit cost</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="18%" align="right">114</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="15%" align="right">117</td></tr></table> </div>

<div> <table style="height: 132px; width: 629px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="right"> </td> <td align="right">Notional</td> <td align="center">Termination</td> <td align="center">3-Month LIBOR</td> <td align="left"> </td> <td align="right"> </td> <td align="center">Premium</td> <td align="right"> </td> <td align="center">Unamortized</td> <td align="right"> </td> <td align="right">Fair</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">Amount</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Date</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Strike Rate</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Paid</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Premium</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Value</td></tr> <tr><td colspan="11"> </td></tr> <tr valign="bottom"><td align="right">$</td> <td align="right">25,000</td> <td align="center">06/02/21</td> <td align="right">3.00</td> <td align="left">%</td> <td align="right">$</td> <td align="right">922</td> <td align="right">$</td> <td style="text-indent: 4px;" align="left">915</td> <td align="right">$</td> <td align="right">76</td></tr> <tr valign="bottom"><td align="right">$</td> <td align="right">20,000</td> <td align="center">06/04/24</td> <td align="right">3.00</td> <td align="left">%</td> <td align="right">$</td> <td align="right">1,470</td> <td align="right">$</td> <td style="text-indent: 4px;" align="left">1,466</td> <td align="right">$</td> <td align="right">284</td></tr> <tr valign="bottom"><td align="right">$</td> <td align="right">20,000</td> <td align="center">10/21/21</td> <td align="right">3.00</td> <td align="left">%</td> <td align="right">$</td> <td align="right">632</td> <td align="right">$</td> <td style="text-indent: 4px;" align="left">631</td> <td align="right">$</td> <td align="right">83</td></tr> <tr valign="bottom"><td align="right">$</td> <td align="right">25,000</td> <td align="center">10/21/24</td> <td align="right">3.00</td> <td align="left">%</td> <td align="right">$</td> <td align="right">1,542</td> <td align="right">$</td> <td style="text-indent: 4px;" align="left">1,541</td> <td align="right">$</td> <td align="right">399</td></tr></table> </div>

<div> <table style="height: 186px; width: 456px;" cellspacing="0" border="0"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr valign="bottom"><td align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="center">2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" colspan="3" align="center">2015</td></tr> <tr valign="bottom"><td align="left"> </td> <td align="center">Number</td> <td align="center"> </td> <td align="center"> </td> <td align="center">Number</td> <td align="center"> </td> <td align="center"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="center">of</td> <td align="center"> </td> <td align="center">Carrying</td> <td align="center">of</td> <td align="center"> </td> <td align="center">Carrying</td></tr> <tr valign="bottom"><td align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">properties</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">properties</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">value</td></tr> <tr><td colspan="7"> </td></tr> <tr valign="bottom"><td align="left">Residential</td> <td align="center">2</td> <td align="right">$</td> <td align="right">119</td> <td align="center">3</td> <td align="right">$</td> <td align="right">143</td></tr> <tr valign="bottom"><td align="left">Commercial</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">1</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">90</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">2</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">250</td></tr> <tr valign="bottom"><td align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">3</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">209</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">5</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">393</td></tr></table> </div>

<div> <table style="height: 257px; width: 682px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">Proceeds</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="center">Other</td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">from Sale of</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="center">Than</td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">Securities</td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="center">Temporary</td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="center">Available</td> <td align="right"> </td> <td align="center">Realized</td> <td align="center">Realized</td> <td align="center">Impairment</td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td align="left"> </td> <td align="right"> </td> <td align="right">for Sale</td> <td align="right"> </td> <td align="center">Gains</td> <td align="center">Losses</td> <td align="center">Losses</td> <td align="right"> </td> <td align="center">Net</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Three months ended June 30,</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 15px;" align="left">2016</td> <td align="right">$</td> <td align="center">23,142</td> <td align="right">$</td> <td align="right">1,699</td> <td align="center">$ ---</td> <td align="center">$ ---</td> <td align="right">$</td> <td align="center">1,699</td></tr> <tr valign="bottom"><td style="text-indent: 15px;" align="left">2015</td> <td align="right">$</td> <td align="center">11,487</td> <td align="right">$</td> <td align="right">587</td> <td align="center">$ ---</td> <td align="center">$ ---</td> <td align="right">$</td> <td align="center">587</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Six months ended June 30,</td> <td align="right"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 15px;" align="left">2016</td> <td align="right">$</td> <td align="center">44,655</td> <td align="right">$</td> <td align="right">3,135</td> <td align="center">$ ---</td> <td align="center">$ ---</td> <td align="right">$</td> <td align="center">3,135</td></tr> <tr valign="bottom"><td style="text-indent: 15px;" align="left">2015</td> <td align="right">$</td> <td align="center">20,428</td> <td align="right">$</td> <td align="right">1,206</td> <td align="center">$ ---</td> <td align="center">$ ---</td> <td align="right">$</td> <td align="center">1,206</td></tr></table> </div>

333909000

345478000

146287000

6691000

20905000

13577000

113149000

-8035000

148656000

3344000

21131000

13577000

117950000

-7346000

154152000

3629000

21624000

13577000

122260000

-6938000

165231000

8491000

22249000

13577000

127672000

-6758000

3540

19620

35312

14804

-64000

64000

-312000

312000

731000

99000

-1000

633000

355000

92000

-86000

349000

191000

845000

<div> Note 2: Subsequent Event On July 19, 2016, the Company's Board of Directors declared a third quarter 2016 regular cash dividend of 27.5 cents per share of Company common stock, representing an increase of 2.0 cents, or 7.8%, compared with the third quarter of 2015. The quarterly cash dividend is payable to all Company shareholders of record as of the close of business August 15, 2016, and will be paid on September 15, 2016. This represented the twenty-first consecutive quarter where the Company increased its quarterly cash dividend to shareholders. </div>

<div> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="23%" align="left"> </td> <td width="39%" colspan="6" align="center">For the Three Months Ended</td> <td width="3%" align="center"> </td> <td width="34%" colspan="5" align="center">For the Six Months Ended</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="39%" colspan="6" align="center">June 30, 2016</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" colspan="5" align="center">June 30, 2016</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="13%" align="center">Pre-</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center">Post-</td> <td width="3%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">  </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td width="14%" align="center">Pre-</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center">Post-</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="13%" align="center">Modification</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center">Modification</td> <td width="3%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">  </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="14%" align="center">Modification</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center">Modification</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="13%" align="center">Outstanding</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center">Outstanding</td> <td width="3%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">  </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="14%" align="center">Outstanding</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center">Outstanding</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center">Number</td> <td width="2%" align="center"> </td> <td width="13%" align="center">Recorded</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center">Recorded</td> <td width="3%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">Number</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td width="14%" align="center">Recorded</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center">Recorded</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">of Loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">Investment</td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">Investment</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">of Loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="center">Investment</td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">Investment</td></tr> <tr><td width="99%" colspan="13"> </td></tr> <tr valign="bottom"><td width="23%" align="left">Commercial real estate mortgages</td> <td width="2%" align="right"> </td> <td width="8%" align="center">1</td> <td width="2%" align="right">$</td> <td width="13%" align="center">30</td> <td width="2%" align="right">$</td> <td width="12%" align="center">30</td> <td width="3%" align="center"> </td> <td width="8%" align="center">3</td> <td width="2%" align="right">$</td> <td width="14%" align="center">425</td> <td width="2%" align="right">$</td> <td width="8%" align="center">418</td></tr> <tr valign="bottom"><td width="23%" align="left">Agricultural and other loans to farmers</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="8%" align="center">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">--</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">2</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="center">30</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">25</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="23%" align="left">Total commercial loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">1</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">30</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">30</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">5</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="center">455</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">443</td></tr> <tr><td width="99%" colspan="13"> </td></tr> <tr valign="bottom"><td width="23%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="center">1</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="center">30</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="center">30</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="center">5</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="center">455</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="center">443</td></tr> <tr><td width="99%" colspan="13"> </td></tr> <tr><td width="99%" colspan="13"> </td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td width="39%" colspan="6" align="center">For the Three Months Ended</td> <td width="3%" align="center"> </td> <td width="34%" colspan="5" align="center">For the Six Months Ended</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="39%" colspan="6" align="center">June 30, 2015</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="34%" colspan="5" align="center">June 30, 2015</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="8%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td width="13%" align="center">Pre-</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center">Post-</td> <td width="3%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">  </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td width="14%" align="center">Pre-</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center">Post-</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="8%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="13%" align="center">Modification</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center">Modification</td> <td width="3%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">  </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="14%" align="center">Modification</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center">Modification</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="8%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="13%" align="center">Outstanding</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center">Outstanding</td> <td width="3%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">  </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="14%" align="center">Outstanding</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center">Outstanding</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="8%" align="center">Number</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="13%" align="center">Recorded</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="12%" align="center">Recorded</td> <td width="3%" align="center"> </td> <td style="border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">Number</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td width="14%" align="center">Recorded</td> <td style="border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-right: rgb(0,0,0) 1px solid;" width="8%" align="center">Recorded</td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center">  </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">of Loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">Investment</td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">Investment</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="8%" align="center">of Loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="center">Investment</td> <td style="border-bottom: rgb(0,0,0) 1px solid; border-left: rgb(0,0,0) 1px solid;" width="2%" align="center"> </td> <td style="border-right: rgb(0,0,0) 1px solid; border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">Investment</td></tr> <tr><td width="99%" colspan="13"> </td></tr> <tr valign="bottom"><td width="23%" align="left">Agricultural and other loans to farmers</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="8%" align="center">--</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">---</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">1</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="center">18</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">17</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="23%" align="left">Total commercial loans</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="8%" align="center">--</td> <td width="2%" align="center"> </td> <td width="13%" align="center">--</td> <td width="2%" align="center"> </td> <td width="12%" align="center">--</td> <td width="3%" align="center"> </td> <td width="8%" align="center">1</td> <td width="2%" align="center"> </td> <td width="14%" align="center">18</td> <td width="2%" align="center"> </td> <td width="8%" align="center">17</td></tr> <tr><td width="99%" colspan="13"> </td></tr> <tr valign="bottom"><td width="23%" align="left">Residential real estate mortgages</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">2</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">795</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">794</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">3</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="center">1,267</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">1,266</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="23%" align="left">Total consumer loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">2</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">795</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="center">794</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">3</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="center">1,267</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="center">1,266</td></tr> <tr><td width="99%" colspan="13"> </td></tr> <tr valign="bottom"><td width="23%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="center">2</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="center">795</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="center">794</td> <td width="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="center">4</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="center">1,285</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="center">1,283</td></tr></table></div>   </div>

396729000

399146000

456858000

461990000

778196

758722

221

14950

6938000

6758000

8000

481000

104000

131000

-2495000

-3711000

6050122

6064413

6083367

6086301

5963704

5973758

6015257

6021316

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Goodwill Bank owned life insurance Other assets Assets TOTAL ASSETS Liabilities and Equity [Abstract] Liabilities Abstract Liabilities Demand and other non-interest bearing deposits NOW accounts Savings and money market deposits Time deposits Deposits Total deposits Short-term borrowings Long-term advances from Federal Home Loan Bank Junior subordinated debentures Other liabilities Liabilities TOTAL LIABILITIES Shareholders' equity Capital stock, par value $2.00; authorized 10,000,000 shares; issued 4,525,635 shares at September 30, 2010 and 4,443,614 shares at December 31, 2009 Capital stock, par value $2.00; authorized 20,000,000 and 10,000,000 shares; issued 6,788,407 shares at June 30, 2016 and December 31, 2015, respectively Additional Paid in Capital Surplus Retained Earnings (Accumulated Deficit) Retained earnings Reclassifications Out Of Accumulated Other Comprehensive Income [Abstract] Accumulated other comprehensive income: Accumulated Other Comprehensive Income Loss Defined Benefit Plan Prior Service Cost And Unamortized Net Actuarial Loss Net Of Tax Prior service cost and unamortized net actuarial losses on employee benefit plans, net of tax of ($222) and ($249), at June 30, 2016 and December 31, 2015, respectively Net unrealized appreciation on securities available for sale, net of tax of $2,662 and $1,074, at September 30, 2010 and December 31, 2009, respectively Net unrealized appreciation on securities available for sale, net of tax of $$6,020 and $2,828, at June 30, 2016 and December 31, 2015, respectively Accumulated Other Comprehensive Income Gain Other Than Temporary Impairment Not Credit Gain Net Of Tax Debt Securities Accumulated Other Comprehensive Income Gain Other Than Temporary Impairment Not Credit Gain Net Of Tax Debt Securities Portion of OTTI attributable to non-credit gains, net of tax of $73 and $249, at June 30, 2016 and December 31, 2015, respectively Accumulated Other Comprehensive Income (Loss), Cumulative Changes in Net Gain (Loss) from Cash Flow Hedges, Effect Net of Tax Net unrealized depreciation on derivative instruments, net of tax of ($1,299) and ($873), at June 30, 2016 and December 31, 2015, respectively Total accumulated other comprehensive income Total accumulated other comprehensive income Less: cost of 684,045 and 702,690 shares of treasury stock at March 31, 2011 and December 31, 2010, respectively Less: cost of 758,722 and 778,196 shares of treasury stock at June 30, 2016 and December 31, 2015, respectively Stockholders' Equity Attributable to Parent Balance Balance TOTAL SHAREHOLDERS' EQUITY Liabilities and Equity TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY Capital stock, par value Capital stock, shares authorized Capital stock, shares issued Other Comprehensive Income Defined Benefit Plan Net Prior Service Cost Recognized And Unamortized Net Actuarial Loss Tax Other Comprehensive Income Defined Benefit Plan Net Prior Service Cost Recognized And Unamortized Net Actuarial Loss Tax Prior service cost and unamortized net actuarial losses on employee benefit plans, tax Other Comprehensive Income Net Unrealized Appreciation On Securities Available For Sale Tax Other Comprehensive Income Net Unrealized Appreciation On Securities Available For Sale Tax Net unrealized appreciation on securities available for sale, tax Other Comprehensive Income Other Than Temporary Impairment Losses Attributable To Non Credit Loss Tax Other Comprehensive Income Other Than Temporary Impairment Losses Attributable To Non Credit Loss Tax Portion of OTTI attributable to non-credit gains, tax Accumulated Other Comprehensive Income (Loss), Cumulative Changes in Net Gain (Loss) from Cash Flow Hedges, Tax Accumulated Other Comprehensive Income (Loss), Cumulative Changes in Net Gain (Loss) from Cash Flow Hedges, Tax Net unrealized depreciation on derivative instruments, tax Treasury stock, shares Consolidated Statements Of Income [Abstract] Interest and dividend income: Interest and fees on loans Interest and fees on loans Interest on securities Dividends on FHLB stock Dividend on FHLB stock Total interest and dividend income Total interest and dividend income Interest expense: Interest Expense Deposits Deposits Interest Expense, Short-term Borrowings Short-term borrowings Long-term debt Total interest expense Total interest expense Net interest income Net interest income Provision for Loan and Lease Losses Provision for loan losses Net interest income after provision for loan losses Net interest income after provision for loan losses Non-interest income: Trust and other financial services Service charges on deposit accounts Service charges on deposit accounts Credit and debit card service charges and fees Debit card income Net securities gains (losses) Net securities gains Net securities gains Other operating income Total non-interest income Total non-interest income Non-interest expense: Salaries and employee benefits Salaries and benefits Occupancy expense Furniture and equipment expense Credit And Debit Card Expenses Credit And Debit Card Expenses Debit card expenses FDIC insurance assessments Other operating expense Total non-interest expense Total non-interest expense Income before income taxes Income before income taxes Income taxes Provision for income taxes Net income Net income Net income Earnings Per Share [Abstract] Per Common Share Data: Basic earnings per share Diluted earnings per share Consolidated Statements Of Comprehensive Income [Abstract] Other comprehensive income: Other comprehensive income: Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, before Reclassification Adjustments, Net of Tax Net unrealized appreciation (depreciation) on securities available for sale, net of tax Less reclassification adjustment for net gains related to securities available for sale included in net income, net of tax of $210 and $236 for 3 months ended September 30, 2009 and 2010 respectively; net of tax of $671 and $517, for 9 months ended September 30, 2009 and 2010 respectively Less reclassification adjustment for net gains related to securities available for sale included in net income, net of tax Other Comprehensive Income (Loss), Derivatives Qualifying as Hedges, Net of Tax, Portion Attributable to Parent Net unrealized (depreciation) appreciation on interest rate derivatives, net of tax Amortization of actuarial gain for supplemental executive retirement plan, net of related tax of $1 and $1, respectively Net amortization of prior service cost and actuarial loss for supplemental executive retirement plan, net of related tax Other Comprehensive Income (Loss), Reclassification, Pension and Other Postretirement Benefit Plans, Net Gain (Loss) Recognized in Net Periodic Benefit Cost, Net of Tax Actuarial gains on supplemental executive retirement plan, net of related tax Total other comprehensive income Total other comprehensive (loss) income Total other comprehensive income (loss) Comprehensive Income, Net of Tax, Attributable to Parent Total comprehensive income (loss) Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax Net unrealized appreciation (depreciation) on securities available for sale, tax Reclassification adjustment for net gains related to securities available for sale included in net income, tax Other Comprehensive Income (Loss), Derivatives Qualifying as Hedges, Tax Net unrealized (depreciation) appreciation on interest rate derivatives, tax Amortization of actuarial gain for supplemental executive retirement plan, tax Net amortization of prior service cost and actuarial loss for supplemental executive retirement plan, tax Other Comprehensive Income (Loss), Reclassification, Pension and Other Postretirement Benefit Plans, Net Gain (Loss) Recognized in Net Periodic Benefit Cost, Tax Actuarial gains on supplemental executive retirement plan, tax Consolidated Statements Of Changes In Shareholders' Equity [Abstract] Statement, Equity Components [Axis] Equity Component [Domain] Equity Component [Domain] Additional Paid In Capital [Member] Surplus [Member] Retained Earnings [Member] Retained Earnings [Member] Accumulated Other Comprehensive Income [Member] Accumulated Other Comprehensive Income (Loss) [Member] Treasury Stock [Member] Treasury Stock [Member] Dividend declared: Dividends, Common Stock Common stock Treasury Stock, Value, Acquired, Cost Method Purchase of Treasury Stock Stock Issued During Period, Value, Stock Options Exercised Stock options exercised, including related tax effects Recognition of stock option expense Recognition of stock based compensation expense Stock Issued During Period, Value, Restricted Stock Award, Gross Restricted stock grants Common stock dividends, per share Treasury Stock, Shares, Acquired Purchase of Treasury Stock, shares Stock options exercised, shares Stock Issued During Period, Shares, Restricted Stock Award, Gross Restricted stock grants, shares Consolidated Statements Of Cash Flows [Abstract] Cash flows from operating activities: Adjustments to reconcile net income to net cash provided by operating activities: Depreciation and amortization of premises and equipment Amortization of core deposit intangible. Amortization Of Core Deposit Intangible Amortization of core deposit intangible Net amortization (accretion) of bond premiums and discounts Net amortization of bond premiums and discounts Stock Option Plan Expense Recognition of stock based compensation expense Gain On Sale Of Other Real Estate Owned Gain On Sale Of Other Real Estate Owned Gains on sale of other real estate owned Net Income From Bank Owned Life Insurance Net Income From Bank Owned Life Insurance Net income from bank owned life insurance Net change in other assets Net change in other assets Net change in other liabilities Net Cash Provided by (Used in) Operating Activities Net cash provided by (used in) operating activities Cash flows from investing activities: Purchases of securities available for sale Purchases of securities available for sale Proceeds from maturities, calls and principal paydowns of mortgage-backed securities Proceeds from sales of securities available for sale Payments to Acquire Life Insurance Policies Purchases of Bank Owned Life Insurance Increase decrease in Federal Home Loan Bank stock, net. Increase Decrease In Federal Home Loan Bank Stock, Net Net increase in Federal Home Loan Bank stock Increase (Decrease) in Other Loans Net increase in total loans originated Payments to Acquire Loans Held-for-investment Purchases of loans Proceeds from sale of other real estate owned Capital expenditures Capital expenditures Net Cash Provided by (Used in) Investing Activities Net cash used in investing activities Cash flows from financing activities: Net increase in deposits Net increase in deposits Net increase in securities sold under repurchase agreements and fed funds purchased Net (decrease) increase in securities sold under repurchase agreements and fed funds purchased Proceeds from Federal Home Loan Bank advances Repayments of Federal Home Loan Bank advances Repayments of Federal Home Loan Bank advances Payments for Repurchase of Common Stock Purchases of Treasury Stock Proceeds from Stock Options Exercised Proceeds from stock option exercises, including excess tax benefits Payments Of Dividends Common Stock Payments of dividends Net Cash Provided by (Used in) Financing Activities Net cash provided by financing activities Cash and Cash Equivalents, Period Increase (Decrease) Net increase in cash and cash equivalents Supplemental disclosures of cash flow information: Interest Income Taxes Paid Net Income taxes Schedule of noncash investing activities: Transfers from loans to other real estate owned Stock Granted Stock Granted Restricted stock grants Basis Of Presentation [Abstract] Basis Of Presentation [Abstract] Organization Consolidation And Presentation Of Financial Statements Disclosure Text Block Basis Of Presentation Subsequent Events [Abstract] Subsequent Events [Text Block] Subsequent Events Merger And Acquisition Activity [Abstract] Business Combination Disclosure [Text Block] Merger And Acquisition Activity New Accounting Pronouncements and Changes in Accounting Principles [Abstract] New Accounting Pronouncements and Changes in Accounting Principles [Text Block] Recent Accounting Pronouncements Management's Use Of Estimates [Abstract] Managements Use Of Estimates [Text Block] Managements Use Of Estimates Text Block Management's Use Of Estimates Earnings Per Share Text Block Earnings Per Share Securities Available For Sale [Abstract] Available-for-sale Securities [Text Block] Securities Available For Sale Loans And Allowance For Loan Losses [Abstract] Loans, Notes, Trade and Other Receivables Disclosure [Text Block] Loans And Allowance For Loan Losses Other Real Estate Owned [Abstract] Other Real Estate Owned Reclassifications Out Of Accumulated Other Comprehensive Income [Text Block] Reclassifications Out Of Accumulated Other Comprehensive Income [Text Block] Reclassifications Out Of Accumulated Other Comprehensive Income Financial Derivative Instruments [Abstract] Derivative Instruments and Hedging Activities Disclosure [Text Block] Financial Derivative Instruments Retirement Benefit Plans [Abstract] Pension and Other Postretirement Benefits Disclosure [Text Block] Retirement Benefit Plans Commitments And Contingent Liabilities [Abstract] Commitments And Contingencies Disclosure Text Block Commitments And Contingent Liabilities Goodwill And Other Intangible Assets [Abstract] Goodwill and Intangible Assets Disclosure [Text Block] Goodwill And Other Intangible Assets Fair Value Measurements [Abstract] Fair Value Disclosures [Text Block] Fair Value Measurements Fair Value Of Financial Instruments [Abstract] Financial Instruments Disclosure [Text Block] Fair Value Of Financial Instruments EX-101.PRE 9 bhb-20160630_pre.xml EX-101.CAL 10 bhb-20160630_cal.xml EX-101.DEF 11 bhb-20160630_def.xml XML 12 R1.htm IDEA: XBRL DOCUMENT

Document And Entity Information - shares	6 Months Ended
Document And Entity Information - shares	Jun. 30, 2016	Aug. 01, 2016
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Jun. 30, 2016
Document Fiscal Year Focus	2016
Document Fiscal Period Focus	Q2
Entity Registrant Name	BAR HARBOR BANKSHARES
Entity Central Index Key	0000743367
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		6,032,894

XML 13 R2.htm IDEA: XBRL DOCUMENT

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Assets
Cash and cash equivalents	$ 25,867	$ 9,720
Securities available for sale, at fair value	532,590	504,969
Federal Home Loan Bank stock	26,713	21,479
Loans	1,049,022	990,070
Allowance for loan losses	(9,891)	(9,439)
Loans, net of allowance for loan losses	1,039,131	980,631
Premises and equipment, net	22,951	20,674
Goodwill	4,935	4,935
Bank owned life insurance	24,131	23,747
Other assets	11,231	13,900
TOTAL ASSETS	1,687,549	1,580,055
Liabilities
Demand and other non-interest bearing deposits	84,123	86,577
NOW accounts	159,015	160,394
Savings and money market deposits	289,820	299,087
Time deposits	456,858	396,729
Total deposits	989,816	942,787
Short-term borrowings	345,478	333,909
Long-term advances from Federal Home Loan Bank	174,624	135,882
Junior subordinated debentures	5,000	5,000
Other liabilities	7,400	8,325
TOTAL LIABILITIES	1,522,318	1,425,903
Shareholders' equity
Capital stock, par value $2.00; authorized 20,000,000 and 10,000,000 shares; issued 6,788,407 shares at June 30, 2016 and December 31, 2015, respectively	13,577	13,577
Surplus	22,249	21,624
Retained earnings	127,672	122,260
Accumulated other comprehensive income:
Prior service cost and unamortized net actuarial losses on employee benefit plans, net of tax of ($222) and ($249), at June 30, 2016 and December 31, 2015, respectively	(412)	(463)
Net unrealized appreciation on securities available for sale, net of tax of $$6,020 and $2,828, at June 30, 2016 and December 31, 2015, respectively	11,180	5,251
Portion of OTTI attributable to non-credit gains, net of tax of $73 and $249, at June 30, 2016 and December 31, 2015, respectively	135	462
Net unrealized depreciation on derivative instruments, net of tax of ($1,299) and ($873), at June 30, 2016 and December 31, 2015, respectively	(2,412)	(1,621)
Total accumulated other comprehensive income	8,491	3,629
Less: cost of 758,722 and 778,196 shares of treasury stock at June 30, 2016 and December 31, 2015, respectively	(6,758)	(6,938)
TOTAL SHAREHOLDERS' EQUITY	165,231	154,152
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,687,549	$ 1,580,055

XML 14 R3.htm IDEA: XBRL DOCUMENT

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Consolidated Balance Sheets [Abstract]
Capital stock, par value	$ 2	$ 2
Capital stock, shares authorized	20,000,000	10,000,000
Capital stock, shares issued	6,788,407	6,788,407
Prior service cost and unamortized net actuarial losses on employee benefit plans, tax	$ (222)	$ (249)
Net unrealized appreciation on securities available for sale, tax	6,020	2,828
Portion of OTTI attributable to non-credit gains, tax	73	249
Net unrealized depreciation on derivative instruments, tax	$ (1,299)	$ (873)
Treasury stock, shares	758,722	778,196

XML 15 R4.htm IDEA: XBRL DOCUMENT

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
Consolidated Statements Of Income - USD ($) $ in Thousands	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Interest and dividend income:
Interest and fees on loans	$ 10,249	$ 9,645	$ 20,332	$ 19,322
Interest on securities	3,900	3,732	7,805	7,494
Dividend on FHLB stock	205	95	381	189
Total interest and dividend income	14,354	13,472	28,518	27,005
Interest expense:
Deposits	1,599	1,460	3,176	2,913
Short-term borrowings	532	253	982	492
Long-term debt	841	873	1,642	1,716
Total interest expense	2,972	2,586	5,800	5,121
Net interest income	11,382	10,886	22,718	21,884
Provision for loan losses	150	400	615	895
Net interest income after provision for loan losses	11,232	10,486	22,103	20,989
Non-interest income:
Trust and other financial services	955	985	1,903	1,930
Service charges on deposit accounts	252	255	463	453
Debit card income	430	402	830	768
Net securities gains	1,699	587	3,135	1,206
Other operating income	278	274	611	488
Total non-interest income	3,614	2,503	6,942	4,845
Non-interest expense:
Salaries and employee benefits	4,799	4,269	9,816	8,621
Occupancy expense	594	567	1,163	1,147
Furniture and equipment expense	558	580	1,147	1,145
Debit card expenses	120	112	237	208
FDIC insurance assessments	218	210	435	411
Other operating expense	2,442	1,863	3,930	3,402
Total non-interest expense	8,731	7,601	16,728	14,934
Income before income taxes	6,115	5,388	12,317	10,900
Income taxes	1,804	1,515	3,600	3,146
Net income	$ 4,311	$ 3,873	$ 8,717	$ 7,754
Per Common Share Data:
Basic earnings per share	$ 0.72	$ 0.65	$ 1.45	$ 1.30
Diluted earnings per share	$ 0.71	$ 0.64	$ 1.43	$ 1.28

XML 16 R5.htm IDEA: XBRL DOCUMENT

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Consolidated Statements Of Comprehensive Income [Abstract]
Net income	$ 4,311	$ 3,873	$ 8,717	$ 7,754
Other comprehensive income:
Net unrealized appreciation (depreciation) on securities available for sale, net of tax	2,854	(4,288)	7,640	(2,414)
Less reclassification adjustment for net gains related to securities available for sale included in net income, net of tax	(1,105)	(382)	(2,038)	(784)
Net unrealized (depreciation) appreciation on interest rate derivatives, net of tax	(327)	227	(791)	(162)
Net amortization of prior service cost and actuarial loss for supplemental executive retirement plan, net of related tax	4	6	9	13
Actuarial gains on supplemental executive retirement plan, net of related tax			42
Total other comprehensive income (loss)	1,426	(4,437)	4,862	(3,347)
Total comprehensive income (loss)	$ 5,737	$ (564)	$ 13,579	$ 4,407

XML 17 R6.htm IDEA: XBRL DOCUMENT

Consolidated Statements Of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Consolidated Statements Of Comprehensive Income [Abstract]
Net unrealized appreciation (depreciation) on securities available for sale, tax	$ 1,537	$ (2,308)	$ 4,114	$ (1,299)
Reclassification adjustment for net gains related to securities available for sale included in net income, tax	(595)	(205)	(1,098)	(422)
Net unrealized (depreciation) appreciation on interest rate derivatives, tax	(176)	122	(426)	(87)
Net amortization of prior service cost and actuarial loss for supplemental executive retirement plan, tax	2	3	5	5
Actuarial gains on supplemental executive retirement plan, tax	$ 0	$ 0	$ 23	$ 0

XML 18 R7.htm IDEA: XBRL DOCUMENT

Consolidated Statements Of Changes In Shareholders' Equity - USD ($) $ in Thousands	Capital Stock [Member]	Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2014	$ 13,577	$ 20,905	$ 113,149	$ 6,691	$ (8,035)	$ 146,287
Net income			7,754			7,754
Total other comprehensive (loss) income				(3,347)		(3,347)
Dividend declared:
Common stock			(2,952)			(2,952)
Purchase of Treasury Stock					(8)	(8)
Stock options exercised, including related tax effects		99	(1)		633	731
Recognition of stock based compensation expense		191				191
Restricted stock grants		(64)			64
Balance at Jun. 30, 2015	13,577	21,131	117,950	3,344	(7,346)	148,656
Balance at Dec. 31, 2015	13,577	21,624	122,260	3,629	(6,938)	154,152
Net income			8,717			8,717
Total other comprehensive (loss) income				4,862		4,862
Dividend declared:
Common stock			(3,219)			(3,219)
Purchase of Treasury Stock					(481)	(481)
Stock options exercised, including related tax effects		92	(86)		349	355
Recognition of stock based compensation expense		845				845
Restricted stock grants		(312)			312
Balance at Jun. 30, 2016	$ 13,577	$ 22,249	$ 127,672	$ 8,491	$ (6,758)	$ 165,231

XML 19 R8.htm IDEA: XBRL DOCUMENT

Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015
Consolidated Statements Of Changes In Shareholders' Equity [Abstract]
Common stock dividends, per share	$ 0.27	$ 0.495
Purchase of Treasury Stock, shares	14,950	221
Stock options exercised, shares	14,804	35,312
Restricted stock grants, shares	19,620	3,540

XML 20 R9.htm IDEA: XBRL DOCUMENT

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015
Cash flows from operating activities:
Net income	$ 8,717	$ 7,754
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization of premises and equipment	788	861
Amortization of core deposit intangible	46	46
Provision for loan losses	615	895
Net securities gains	(3,135)	(1,206)
Net amortization of bond premiums and discounts	1,273	1,302
Recognition of stock based compensation expense	845	191
Gains on sale of other real estate owned		(64)
Net income from bank owned life insurance	(384)	(270)
Net change in other assets	(1,133)	(30,306)
Net change in other liabilities	(925)	(891)
Net cash provided by (used in) operating activities	6,707	(21,688)
Cash flows from investing activities:
Purchases of securities available for sale	(110,269)	(89,314)
Proceeds from maturities, calls and principal paydowns of mortgage-backed securities	48,472	54,257
Proceeds from sales of securities available for sale	44,656	20,428
Purchases of Bank Owned Life Insurance		15,000
Net increase in Federal Home Loan Bank stock	(5,234)	(2,239)
Net increase in total loans originated	(9,319)	(42,550)
Purchases of loans	(49,796)	(22,435)
Proceeds from sale of other real estate owned		110
Capital expenditures	(3,065)	(1,313)
Net cash used in investing activities	(84,555)	(68,056)
Cash flows from financing activities:
Net increase in deposits	47,029	32,067
Net (decrease) increase in securities sold under repurchase agreements and fed funds purchased	(6,431)	11,654
Proceeds from Federal Home Loan Bank advances	63,750	66,493
Repayments of Federal Home Loan Bank advances	(7,008)	(11,003)
Purchases of Treasury Stock	(481)	(8)
Proceeds from stock option exercises, including excess tax benefits	355	731
Payments of dividends	(3,219)	(2,952)
Net cash provided by financing activities	93,995	96,982
Net increase in cash and cash equivalents	16,147	7,238
Cash and cash equivalents at beginning of period	9,720	9,800
Cash and cash equivalents at end of period	25,867	17,038
Supplemental disclosures of cash flow information:
Interest	5,766	5,146
Income taxes	3,926	2,495
Schedule of noncash investing activities:
Transfers from loans to other real estate owned
Restricted stock grants	$ 312	$ 64

XML 21 R10.htm IDEA: XBRL DOCUMENT

Basis Of Presentation	6 Months Ended
Basis Of Presentation	Jun. 30, 2016
Basis Of Presentation [Abstract]
Basis Of Presentation	Note 1: Basis of Presentation The accompanying consolidated interim financial statements are unaudited. In the opinion of management, all adjustments considered necessary for a fair presentation have been included. All inter-company transactions have been eliminated in consolidation. Amounts in the prior period financial statements are reclassified whenever necessary to conform to current period presentation. The net income reported for the three and six months ended June 30, 2016, is not necessarily indicative of the results that may be expected for the year ending December 31, 2016, or any other interim periods. The consolidated balance sheet at December 31, 2015, has been derived from audited consolidated financial statements at that date. The accompanying unaudited interim consolidated financial statements have been prepared in accordance with United States ("U.S.") generally accepted accounting principles for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X (17 CFR Part 210). Accordingly, they do not include all of the information and footnotes required by U.S. generally accepted accounting principles for complete financial statements. For further information, please refer to the consolidated financial statements included in the Company's Annual Report on Form 10-K for the year ended December 31, 2015, and notes thereto.

XML 22 R11.htm IDEA: XBRL DOCUMENT

Subsequent Events	6 Months Ended
Subsequent Events	Jun. 30, 2016
Subsequent Events [Abstract]
Subsequent Events	Note 2: Subsequent Event On July 19, 2016, the Company's Board of Directors declared a third quarter 2016 regular cash dividend of 27.5 cents per share of Company common stock, representing an increase of 2.0 cents, or 7.8%, compared with the third quarter of 2015. The quarterly cash dividend is payable to all Company shareholders of record as of the close of business August 15, 2016, and will be paid on September 15, 2016. This represented the twenty-first consecutive quarter where the Company increased its quarterly cash dividend to shareholders.

XML 23 R12.htm IDEA: XBRL DOCUMENT

Merger And Acquisition Activity	6 Months Ended
Merger And Acquisition Activity	Jun. 30, 2016
Merger And Acquisition Activity [Abstract]
Merger And Acquisition Activity	Note 3: Merger and Acquisition Activity On May 5, 2016, the Company announced the signing of a definitive agreement and plan of merger pursuant to which the Company will acquire Lake Sunapee Bank Group ("LSBG") in an all-stock transaction valued at approximately $143 million (the "Merger"). The market expanding merger is expected to create efficiencies and strategic growth opportunities for both businesses through the leveraging of each other's platforms and capabilities, and will create the only community bank headquartered in New England with a market footprint in all three Northern New England states of Maine, New Hampshire and Vermont. At closing, the combined institution is expected to have approximately $3.3 billion in assets, $2.4 billion in net loans, $2.2 billion in deposits and over $2.0 billion in assets under management. The Company will have a pro forma market cap of approximately $350 million and 49 branches serving customers and communities across three states. The merger is expected to be completed in the fourth quarter of 2016 or the first quarter of 2017. The consummation of the Merger is subject to receipt of the requisite approval of the Company's shareholders and LSBG shareholders, receipt of all required regulatory approvals, and other customary closing conditions. Included in the Company's second quarter and year-to-date non-interest expense was $492 in non-recurring expenses related to the LSBG Merger, largely legal and other professional fees. The Company expects to continue to incur related non-recurring costs through the closing of the Merger.

- Definition

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).

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
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Recent Accounting Pronouncements	6 Months Ended
Recent Accounting Pronouncements	Jun. 30, 2016
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]
Recent Accounting Pronouncements	Note 4: Recent Accounting Pronouncements ASU 2015-01, "Income Statement - Extraordinary and Unusual Items (Subtopic 225-20) – Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items." ASU 2015-01 eliminates from U.S. GAAP the concept of extraordinary items, which, among other things, required an entity to segregate extraordinary items considered to be unusual and infrequent from the results of ordinary operations and show the item separately in the income statement, net of tax, after income from continuing operations. ASU 2015-01 became effective for us on January 1, 2016 and did not have a significant impact on the Company's financial statements. ASU 2015-16, "Business Combinations (Topic 805) – Simplifying the Accounting for Measurement-Period Adjustments." ASU 2015-16 requires that adjustments to provisional amounts that are identified during the measurement period of a business combination be recognized in the reporting period in which the adjustment amounts are determined. Furthermore, the income statement effects of such adjustments, if any, must be calculated as if the accounting had been completed at the acquisition date. Any amounts that would have been recorded in previous reporting periods if the adjustment to the provisional amounts had been recognized as of the acquisition date should be recorded in current-period earnings. Under previous guidance, adjustments to provisional amounts identified during the measurement period were to be recognized retrospectively. ASU 2015-16 became effective for us on January 1, 2016 and did not have a significant impact on the Company's financial statements. ASU 2016-01 "Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities," which updates certain aspects of recognition, measurement, presentation and disclosure of financial instruments. The new guidance requires equity investments to be measured at fair value with changes in fair value recognized in net income, excluding equity investments that are consolidated or accounted for under the equity method of accounting. The new guidance allows equity investments without readily determinable fair values to be measured at cost minus impairment, with a qualitative assessment required to identify impairment. The new guidance also requires public companies to use exit prices to measure the fair value of financial instruments, eliminates the disclosure requirements related to measurement assumptions for the fair value of instruments measured at amortized cost and requires separate presentation of financial assets and liabilities based on form and measurement category. In addition, for liabilities measured at fair value under the fair value option, the changes in fair value due to changes in instrument-specific credit risk should be recognized in OCI. This guidance is effective for fiscal years beginning after December 15, 2017 and interim periods within those fiscal years. The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements. ASU 2016-02, Leases (Topic 842). The guidance in this ASU supersedes the leasing guidance in Topic 840, Leases. Under the new guidance, lessees are required to recognize lease assets and lease liabilities on the balance sheet for all leases with terms longer than 12 months. Leases will be classified as either finance or operating, with classification affecting the pattern of expense recognition in the income statement. The new standard is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements. ASU 2016-05"Derivatives and Hedging (Topic 815) Effect of Derivative Contract Novations on Existing Hedge Accounting Relationships." ASU 2016-05 clarifies that a change in the counterparty to a derivative instrument that has been designated as the hedging instrument under ASC Topic 815 does not, in and of itself, require dedesignation of that hedging relationship provided that all other hedge accounting criteria continue to be met. ASU 2016-05 will be effective for us on January 1, 2017 and is not expected to have a significant impact on the Company's our financial statements. ASU 2016-07, "Investments - Equity Method and Joint Ventures (Topic 323): Simplifying the Transition to the Equity Method of Accounting." The amendments affect all entities that have an investment that becomes qualified for the equity method of accounting as a result of an increase in the level of ownership interest or degree of influence. ASU 2016-07 simplifies the transition to the equity method of accounting by eliminating retroactive adjustment of the investment when an investment qualifies for use of the equity method, among other things. ASU 2016-07 will be effective for the Company on January 1, 2017 and is not expected to have a significant impact on our financial statements. ASU 2016-09, "Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting." Under ASU 2016-09 all excess tax benefits and tax deficiencies related to share-based payment awards should be recognized as income tax expense or benefit in the income statement during the period in which they occur. Previously, such amounts were recorded in the pool of excess tax benefits included in additional paid-in capital, if such pool was available. Because excess tax benefits are no longer recognized in additional paid-in capital, the assumed proceeds from applying the treasury stock method when computing earnings per share should exclude the amount of excess tax benefits that would have previously been recognized in additional paid-in capital. Additionally, excess tax benefits should be classified along with other income tax cash flows as an operating activity rather than a financing activity, as was previously the case. ASU 2016-09 also provides that an entity can make an entity-wide accounting policy election to either estimate the number of awards that are expected to vest (current GAAP) or account for forfeitures when they occur. ASU 2016-09 changes the threshold to qualify for equity classification (rather than as a liability) to permit withholding up to the maximum statutory tax rates (rather than the minimum as was previously the case) in the applicable jurisdictions. ASU 2016-09 will be effective on January 1, 2017 and is not expected to have a significant impact on the Company's financial statements. ASU 2016-13, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. ASU 2016-13, was issued to provide financial statement users with information about expected credit losses on financial instruments and other commitments to extend credit rather than the current "incurred loss" model. For public business entities, the new standard is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements.

- Definition

The entire disclosure of changes in accounting principles, including adoption of new accounting pronouncements, that describes the new methods, amount and effects on financial statement line items.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Change in Accounting Principle
-URI http://asc.fasb.org/extlink&oid=6507316

Reference 2: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Standards Codification
-Glossary Direct Effects of a Change in Accounting Principle
-URI http://asc.fasb.org/extlink&oid=6510796

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-Paragraph 3
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-Name Accounting Standards Codification
-Glossary Indirect Effects of a Change in Accounting Principle
-URI http://asc.fasb.org/extlink&oid=6515603

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-Subparagraph (SX 210.10-01.(b)(6))
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-Name Accounting Standards Codification
-Glossary Accounting Change
-URI http://asc.fasb.org/extlink&oid=6503790

Reference 8: http://www.xbrl.org/2003/role/presentationRef
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-Topic 250
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-Paragraph 1
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Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Retrospective Application
-URI http://asc.fasb.org/extlink&oid=6523989

Reference 10: http://www.xbrl.org/2003/role/presentationRef
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-Topic 270
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-Topic 270
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-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=51655806&loc=d3e725-108305

+ Details

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Management's Use Of Estimates	6 Months Ended
Management's Use Of Estimates	Jun. 30, 2016
Management's Use Of Estimates [Abstract]
Management's Use Of Estimates	Note 5: Management's Use of Estimates The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses, other-than-temporary impairments on securities, income tax estimates, and the valuation of intangible assets *Allowance for Loan Losses:* The allowance for loan losses (the "allowance") is a significant accounting estimate used in the preparation of the Company's consolidated financial statements. The allowance is available to absorb losses inherent in the current loan portfolio and is maintained at a level that, in management's judgment, is appropriate for the amount of risk inherent in the loan portfolio, given past and present conditions. The allowance is increased by provisions charged to operating expense and by recoveries on loans previously charged off, and is decreased by loans charged off as uncollectible. Arriving at an appropriate level of allowance for loan losses involves a high degree of judgment. The determination of the adequacy of the allowance and provisioning for estimated losses is evaluated regularly based on review of loans, with particular emphasis on non-performing and other loans that management believes warrant special consideration. The ongoing evaluation process includes a formal analysis, which considers among other factors: the character and size of the loan portfolio, business and economic conditions, real estate market conditions, collateral values, changes in product offerings or loan terms, changes in underwriting and/or collection policies, loan growth, previous charge-off experience, delinquency trends, non-performing loan trends, the performance of individual loans in relation to contract terms, and estimated fair values of collateral. The allowance for loan losses consists of allowances established for specific loans including impaired loans; allowances for pools of loans based on historical charge-offs by loan types; and supplemental allowances that adjust historical loss experience to reflect current economic conditions, industry specific risks, and other observable data. While management uses available information to recognize losses on loans, changing economic conditions and the economic prospects of the borrowers may necessitate future additions or reductions to the allowance. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Bank's allowance, which also may necessitate future additions or reductions to the allowance, based on information available to them at the time of their examination. *Other-Than-Temporary Impairments on Investment Securities: One of the significant estimates relating to securities is the evaluation of other-than-temporary impairment ("OTTI"). If a decline in the fair value of a security is judged to be other-than-temporary, and management does not intend to sell the security and believes it is more-likely-than-not the Company will not be required to sell the security prior to recovery of cost or amortized cost, the portion of the total impairment attributable to the credit loss is recognized in earnings, and the remaining difference between the security's amortized cost basis and its fair value is included in other comprehensive income. For impaired available for sale debt securities that management intends to sell, or where management believes it is more-likely-than-not that the Company will be required to sell, an OTTI charge is recognized in earnings equal to the difference between fair value and cost or amortized cost basis of the security. The fair value of the OTTI security becomes its new cost basis. The evaluation of securities for impairments is a quantitative and qualitative process, which is subject to risks and uncertainties and is intended to determine whether declines in the fair value of securities should be recognized in current period earnings. The risks and uncertainties include changes in general economic conditions, the issuer's financial condition and/or future prospects, the effects of changes in interest rates or credit spreads and the expected recovery period of unrealized losses. The Company has a security monitoring process that identifies securities that, due to certain characteristics, as described below, are subjected to an enhanced analysis on a quarterly basis. Securities that are in an unrealized loss position are reviewed at least quarterly to determine if an OTTI is present based on certain quantitative and qualitative factors and measures. The primary factors considered in evaluating whether a decline in value of securities is other-than-temporary include: (a) the cause of the impairment; (b) the financial condition, credit rating and future prospects of the issuer; (c) whether the underlying debtor is current on contractually obligated interest and principal payments; (d) the volatility of the securities' fair value; (e) performance indicators of the underlying assets in the security including default rates, delinquency rates, percentage of non-performing assets, loan to collateral value ratios, conditional payment rates, third party guarantees, current levels of subordination, vintage, and geographic concentration and; (f) any other information and observable data considered relevant in determining whether an OTTI has occurred, including the expectation of the receipt of all principal and interest due. In addition, for securitized financial assets with contractual cash flows, such as private label mortgage-backed securities ("MBS"), the Company periodically updates its best estimate of cash flows over the life of the security. The Company's best estimate of cash flows is based upon assumptions consistent with the current economic environment, similar to those the Company believes market participants would use. Estimating future cash flows is a quantitative and qualitative process that incorporates information received from third party sources along with certain assumptions and judgments regarding the future performance of the underlying collateral. In addition, projections of expected future cash flows may change based upon new information regarding the performance of the underlying collateral. Income Taxes:* The Company uses the asset and liability method of accounting for income taxes. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. If current available information indicates that it is more-likely-than-not that deferred tax assets will not be realized, a valuation allowance is established. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Significant management judgment is required in determining income tax expense and deferred tax assets and liabilities. As of June 30, 2016 and December 31, 2015, there was no valuation allowance for deferred tax assets. *Goodwill and Identifiable Intangible Assets:* In connection with acquisitions, the Company generally records as assets on its consolidated financial statements both goodwill and identifiable intangible assets, such as core deposit intangibles. The Company evaluates whether the carrying value of its goodwill has become impaired, in which case the value is reduced through a charge to its earnings. Goodwill is evaluated for impairment at least annually, or upon a triggering event using certain fair value techniques. Goodwill impairment testing is performed at the segment (or "reporting unit") level. Goodwill is assigned to reporting units at the date the goodwill is initially recorded. Once goodwill has been assigned to the reporting units, it no longer retains its association with a particular acquisition, and all of the activities within a reporting unit, whether acquired or organically grown, are available to support the value of the goodwill. Goodwill represents the excess of the purchase price over the fair value of net assets acquired in accordance with the purchase method of accounting for business combinations. Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis or more frequently if an event occurs or circumstances change that reduce the fair value of a reporting unit below its carrying amount. The Company completes its annual goodwill impairment test as of December 31 of each year. The impairment testing process is conducted by assigning assets and goodwill to each reporting unit. Currently, the Company's goodwill is evaluated at the entity level as there is only one reporting unit. The Company first assesses certain qualitative factors to determine if it is more-likely-than-not that the fair value of the reporting unit is less than its carrying value. If it is more-likely-than-not that the fair value of the reporting unit is less than the carrying value, then the fair value of each reporting unit is compared to the recorded book value ("step one"). If the fair value of the reporting unit exceeds its carrying value, goodwill is not considered impaired and "step two" is not considered necessary. If the carrying value of a reporting unit exceeds its fair value, the impairment test continues ("step two") by comparing the carrying value of the reporting unit's goodwill to the implied fair value of goodwill. The implied fair value is computed by adjusting all assets and liabilities of the reporting unit to current fair value with the offset adjustment to goodwill. The adjusted goodwill balance is the implied fair value of the goodwill. An impairment charge is recognized if the carrying fair value of goodwill exceeds the implied fair value of goodwill. At December 31, 2015, there was no indication of impairment that led the Company to believe it needed to perform a two-step test. Any changes in the estimates used by the Company to determine the carrying value of its goodwill, or which otherwise adversely affect their value or estimated lives, would adversely affect the Company's consolidated results of operations.

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Earnings Per Share

6 Months Ended

Jun. 30, 2016

Earnings Per Share [Abstract]

Earnings Per Share

Note 6: Earnings Per Share

The following is a reconciliation of basic and diluted earnings per share for the three and six months ended June 30, 2016, and 2015:


		Three Months Ended				Six Months Ended
		June 30,				June 30,
		2016		2015		2016		2015

Net income	$	4,311	$	3,873	$	8,717	$	7,754

Weighted average common shares outstanding
Basic		6,021,316	5,973,758			6,015,257	5,963,704
Effect of dilutive employee stock options		64,985		90,655		68,110		86,418
Diluted		6,086,301	6,064,413			6,083,367	6,050,122

Anti-dilutive options excluded from
earnings per share calculation		75,763		10,950		80,263		11,197

Per Common Share Data:
Basic earnings per share	$	0.72	$	0.65	$	1.45	$	1.30
Diluted earnings per share	$	0.71	$	0.64	$	1.43	$	1.28

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Securities Available For Sale

6 Months Ended

Jun. 30, 2016

Securities Available For Sale [Abstract]

Securities Available For Sale

Note 7: Securities Available For Sale

The following tables summarize the securities available for sale portfolio as of June 30, 2016, and December 31, 2015:

June 30, 2016				Gross		Gross
		Amortized		Unrealized		Unrealized		Estimated
Available for Sale:		Cost		Gains		Losses		Fair Value

Mortgage-backed securities:
US Government-sponsored enterprises	$	323,684	$	9,693	$	397	$	332,980
US Government agency		80,472		1,993		97		82,368
Private label		1,128		218		19		1,327
Obligations of states and
political subdivisions thereof		109,898		6,108		91		115,915
Total	$	515,182	$	18,012	$	604	$	532,590

December 31, 2015				Gross		Gross
		Amortized		Unrealized		Unrealized		Estimated
Available for Sale:		Cost		Gains		Losses		Fair Value

Mortgage-backed securities:
US Government-sponsored enterprises	$	304,106	$	5,042	$	2,155	$	306,993
US Government agency		78,408		1,269		547		79,130
Private label		2,713		762		11		3,464
Obligations of states and
political subdivisions thereof		110,952		4,758		328		115,382
Total	$	496,179	$	11,831	$	3,041	$	504,969

		Amortized		Estimated
Securities Available for Sale		Cost		Fair Value

Due one year or less	$	167	$	168
Due after one year through five years		5,592		5,732
Due after five years through ten years		13,889		14,762
Due after ten years		495,534		511,928
Total	$	515,182	$	532,590

Securities Impairment: As a part of the Company's ongoing security monitoring process, the Company identifies securities in an unrealized loss position that could potentially be OTTI. For the three and six months ended June 30, 2016 and 2015, the Company did not have any OTTI losses recognized in earnings (before taxes).

Upon initial impairment of a security, total OTTI losses represent the excess of the amortized cost over the fair value. For subsequent impairments of the same security, total OTTI losses represent additional credit losses and or declines in fair value subsequent to the previously recorded OTTI losses, if applicable. Unrealized OTTI losses recognized in accumulated other comprehensive income ("OCI") represent the non-credit component of OTTI losses on debt securities. Net impairment losses recognized in earnings represent the credit component of OTTI losses on debt securities.

The OTTI losses previously recognized in earnings represented management's best estimate of credit losses inherent in the securities based on discounted, bond-specific future cash flow projections using assumptions about cash flows associated with the pools of mortgage loans underlying each security. In estimating those cash flows the Company takes a variety of factors into consideration including, but not limited to, loan level credit characteristics, current delinquency and non-performing loan rates, current levels of subordination and credit support, recent default rates and future constant default rate estimates, original and current loan to collateral value ratios, recent collateral loss severities and future collateral loss severity estimates, recent and historical conditional prepayment rates and future conditional prepayment rate assumptions, and other estimates of future collateral performance.

		2016		2015

Estimated credit losses as of March 31,	$	2,793	$	3,413
Additions for credit losses for securities on which
OTTI has been previously recognized		--		--
Additions for credit losses for securities on which
OTTI has not been previously recognized		--		--
Reductions for securities sold or paid off during the period		1,096		233
Estimated credit losses as of June 30,	$	1,697	$	3,180

Estimated credit losses as of prior year-end,	$	3,180	$	3,413
Additions for credit losses for securities on which
OTTI has been previously recognized		--		--
Additions for credit losses for securities on which
OTTI has not been previously recognized		--		--
Reductions for securities sold or paid off during the period		1,483		233
Estimated credit losses as of June 30,	$	1,697	$	3,180

As of June 30, 2016, based on a review of the remaining securities in the securities portfolio, the Company concluded that it expects to recover its amortized cost basis for such securities. This conclusion was based on the issuers' continued satisfaction of the securities obligations in accordance with their contractual terms and the expectation that they will continue to do so through the maturity of the security, the expectation that the Company will receive the entire amount of future contractual cash flows, as well as the evaluation of the fundamentals of the issuers' financial condition and other objective evidence. Accordingly, the Company concluded that any declines in the values of those securities were temporary and that any additional OTTI charges were not appropriate at June 30, 2016.


			Less than 12 months					12 months or longer					Total
		Estimated					Estimated					Estimated
June 30, 2016		Fair	Number of		Unrealized		Fair	Number of		Unrealized		Fair	Number of		Unrealized
		Value	Investments		Losses		Value	Investments		Losses		Value	Investments		Losses
Description of Securities:
Mortgage-backed securities:
US Government-
sponsored enterprises	$	35,865	42	$	224	$	9,678	22	$	173	$	45,543	64	$	397
US Government agency		7,619	11		27		4,920	16		70		12,539	27		97
Private label		198	2		10		159	5		9		357	7		19
Obligations of states and
political subdivisions
thereof		2,426	5		7		5,077	11		84		7,503	16		91
Total	$	46,108	60	$	268	$	19,834	54	$	336	$	65,942	114	$	604


			Less than 12 months						12 months or longer						Total
		Estimated						Estimated						Estimated
December 31, 2015		Fair	Number of		Unrealized			Fair	Number of		Unrealized			Fair	Number of		Unrealized
		Value	Investments			Losses		Value	Investments			Losses		Value	Investments		Losses
Description of Securities:

Mortgage-backed securities:
US Government-
sponsored enterprises	$	112,770	142	$	1,342		$	23,646	33		$	813	$	136,416	175	$	2,155
US Government agency		20,201	30			326		11,232	22			221		31,433	52		547
Private label		235	2			2		178	5			9		413	7		11
Obligations of states and
political subdivisions
thereof		14,853	25			210		3,700	11			118		18,553	36		328
Total	$	148,059	199	$	1,880		$	38,756	71	$	1,161		$	186,815	270	$	3,041

For securities with unrealized losses, the following information was considered in determining that the impairments were not other-than-temporary:

Mortgage-backed securities issued by U.S. Government-sponsored enterprises: As of June 30, 2016, the total unrealized losses on these securities amounted to $397, compared with $2,155 at December 31, 2015. All of these securities were credit rated "AA+" by the major credit rating agencies. Company management believes these securities have minimal credit risk, as these Government-sponsored enterprises play a vital role in the nation's financial markets. Management's analysis indicates that the unrealized losses at June 30, 2016 were attributed to changes in current market yields and pricing spreads for similar securities since the date the underlying securities were purchased, and does not consider these securities to be OTTI at June 30, 2016.

Mortgage-backed securities issued by U.S. Government agencies: As of June 30, 2016, the total unrealized losses on these securities amounted to $97, compared with $547 at December 31, 2015. All of these securities were credit rated "AA+" by the major credit rating agencies. Management's analysis indicates that these securities bear little or no credit risk because they are backed by the full faith and credit of the United States. The Company attributes the unrealized losses at June 30, 2016 to changes in current market yields and pricing spreads for similar securities since the date the underlying securities were purchased, and does not consider these securities to be OTTI at June 30, 2016.
Private label mortgage-backed securities: As of June 30, 2016, the total unrealized losses on the Bank's private label MBS amounted to $19, compared with $11 at December 31, 2015. The Company attributes the unrealized losses at June 30, 2016 to the current illiquid market for non-agency MBS, risk-related market pricing discounts for non-agency MBS and credit rating downgrades on certain private label MBS owned by the Company. Based upon the foregoing considerations and the expectation that the Company will receive all of the future contractual cash flows related to amortized cost on these securities, the Company does not consider there to be any additional OTTI with respect to these securities at June 30, 2016.
Obligations of states of the U.S. and political subdivisions thereof: As of June 30, 2016, the total unrealized losses on the Bank's municipal securities amounted to $91, compared with $328 at December 31, 2015. The Bank's municipal securities primarily consist of general obligation bonds and to a lesser extent, revenue bonds. General obligation bonds carry less risk, as they are supported by the full faith, credit and taxing authority of the issuing government and in the cases of school districts, are additionally supported by state aid. Revenue bonds are generally backed by municipal revenue streams generated through user fees or lease payments associated with specific municipal projects that have been financed.

Municipal bonds are frequently supported with insurance, which guarantees that, in the event the issuer experiences financial problems, the insurer will step in and assume payment of both principal and interest. Historically, insurance support has strengthened an issuer's underlying credit rating to "AAA" or "AA" status. Starting in 2008, many of the insurance companies providing municipal bond insurance experienced financial difficulties and, accordingly, were downgraded by at least one of the major credit rating agencies. Consequently, a portion of the Bank's municipal bond portfolio was downgraded by at least one of the major credit rating agencies. Notwithstanding the credit rating downgrades, at June 30, 2016, the Bank's municipal bond portfolio did not contain any below investment grade securities as reported by major credit rating agencies. In addition, at June 30, 2016, all municipal bond issuers were current on contractually obligated interest and principal payments.
The Company attributes the unrealized losses in municipal bonds at June 30, 2016 to changes in current market yields and pricing spreads for similar securities since the date the underlying securities were purchased and, to a lesser extent, changes in credit ratings on certain securities. The Company also attributes the unrealized losses to ongoing media attention and market concerns about municipal budget deficits and the prolonged recovery from the national economic recession and the impact it might have on the future financial stability of municipalities throughout the country. Notwithstanding the foregoing considerations, the Company does not consider these municipal securities to be other-than-temporarily impaired at June 30, 2016.

Securities Gains and Losses: The following table summarizes realized gains and losses on securities available for sale for the three and six months ended June 30, 2016 and 2015.

		Proceeds				Other
		from Sale of				Than
		Securities				Temporary
		Available		Realized	Realized	Impairment
		for Sale		Gains	Losses	Losses		Net

Three months ended June 30,
2016	$	23,142	$	1,699	$ ---	$ ---	$	1,699
2015	$	11,487	$	587	$ ---	$ ---	$	587

Six months ended June 30,
2016	$	44,655	$	3,135	$ ---	$ ---	$	3,135
2015	$	20,428	$	1,206	$ ---	$ ---	$	1,206

- Definition

Tabular disclosure of available-for-sale securities which includes, but is not limited to, changes in the cost basis and fair value, fair value and gross unrealized gain (loss), fair values by type of security, contractual maturity and classification, amortized cost basis, contracts to acquire securities to be accounted for as available-for-sale, debt maturities, transfers to trading, change in net unrealized holding gain (loss) net of tax, continuous unrealized loss position fair value, aggregate losses qualitative disclosures, other than temporary impairment (OTTI) losses or other disclosures related to available for sale securities.

+ References + Details

XML 28 R17.htm IDEA: XBRL DOCUMENT

Loans And Allowance For Loan Losses

6 Months Ended

Jun. 30, 2016

Loans And Allowance For Loan Losses [Abstract]

Loans And Allowance For Loan Losses

Note 8: Loans and Allowance for Loan Losses

Loans are carried at the principal amounts outstanding adjusted by partial charge-offs and net deferred loan origination costs or fees.

Loan origination, commitment fees and direct loan origination costs are deferred, and the net amount is amortized as an adjustment of the related loans' yield, using the level yield method over the estimated lives of the related loans.

The Company's lending activities are principally conducted in downeast, midcoast and central Maine. The following table summarizes the composition of the loan portfolio as of June 30, 2016, and December 31, 2015:

LOAN PORTFOLIO SUMMARY

		June 30,			December 31,
		2016			2015

Commercial real estate mortgages	$	390,033		$	371,002
Commercial and industrial		80,749			79,911
Commercial construction and land development		25,467			24,926
Agricultural and other loans to farmers		33,081			31,003
Total commercial loans		529,330			506,842

Residential real estate mortgages		446,933			408,401
Home equity loans		49,330			51,530
Other consumer loans		6,946			7,949
Total consumer loans		503,209			467,880

Tax exempt loans		16,352			15,244

Net deferred loan costs and fees		131			104
Total loans		1,049,022			990,070
Allowance for loan losses		(9,891	)		(9,439	)
Total loans net of allowance for loan losses	$	1,039,131		$	980,631

Loan Origination/Risk Management: The Bank has certain lending policies and procedures in place that are designed to maximize loan income within an acceptable level of risk. The Bank's board of directors reviews and approves these policies and procedures on a regular basis. A reporting system supplements the review process by providing management and the board with frequent reports related to loan production, loan quality, concentrations of credit, loan delinquencies and non-performing loans and potential problem loans. The Bank seeks to diversify the loan portfolio as a means of managing risk associated with fluctuations in economic conditions.

Commercial Real Estate Mortgages: The Bank's commercial real estate mortgage loans are collateralized by liens on real estate, typically have variable interest rates and amortize over a 15 to 20 year period. These loans are underwritten primarily as cash flow loans and secondarily as loans secured by real estate. Payments on loans secured by such properties are largely dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Accordingly, repayment of these loans may be subject to adverse economic conditions to a greater extent than other types of loans. The Bank seeks to minimize these risks in a variety of ways, including giving careful consideration to the property's operating history, future operating projections, current and projected occupancy, location and physical condition in connection with underwriting these loans. The underwriting analysis also includes credit verification, analysis of global cash flows, appraisals and a review of the financial condition of the borrower. Reflecting the Bank's business region, at June 30, 2016, approximately 31% of the commercial real estate mortgage portfolio was represented by loans to the lodging industry. The Bank underwrites lodging industry loans as operating businesses, lending primarily to seasoned establishments with stabilized cash flows.

Commercial and Industrial Loans: Commercial and industrial loans are underwritten after evaluating and understanding the borrower's ability to operate profitably, and prudently expand its business. Commercial and industrial loans are primarily made in the Bank's market areas and are underwritten on the basis of the borrower's ability to service the debt from income. These loans typically have variable interest rates and amortize over a period of less than 10 years. As a general practice, the Bank takes as collateral a lien on available real estate, equipment or other assets owned by the borrower and obtains a personal guaranty of the borrower(s) or principal(s). Working capital loans are primarily collateralized by short-term assets whereas term loans are primarily collateralized by long-term assets. The risk in commercial and industrial loans is principally due to the type of collateral securing these loans. The increased risk also derives from the expectation that commercial and industrial loans generally will be serviced principally from the operations of the business, and, if not successful, these loans are primarily secured by tangible, non-real estate collateral.

Construction and Land Development Loans: The Bank makes loans to finance the construction of residential and non-residential properties. Construction loans generally are collateralized by first liens on real estate with terms of six to twenty-four months. The Bank conducts periodic inspections, either directly or through an agent, prior to approval of periodic draws on these loans. Underwriting guidelines similar to those described immediately above are also used in the Bank's construction lending activities. Construction loans involve additional risks attributable to the fact that loan funds are advanced against a project under construction and the project is of uncertain value prior to its completion. Because of uncertainties inherent in estimating construction costs, the market value of the completed project and the effects of governmental regulation on real property, it can be difficult to accurately evaluate the total funds required to complete a project and the related loan to value ratio. As a result of these uncertainties, construction lending often involves the disbursement of substantial funds with repayment dependent, in part, on the success of the ultimate project rather than the ability of a borrower or guarantor to repay the loan. In many cases the success of the project can also depend upon the financial support/strength of the sponsorship. If the Bank is forced to foreclose on a project prior to completion, there is no assurance that the Bank will be able to recover the entire unpaid portion of the loan. In addition, the Bank may be required to fund additional amounts to complete a project and may have to hold the property for an indeterminate period of time. While the Bank has underwriting procedures designed to identify what it believes to be acceptable levels of risks in construction lending, no assurance can be given that these procedures will prevent losses from the risks described above.

Residential Real Estate Mortgage Loans: The Bank originates and purchases first-lien, adjustable-rate and fixed-rate, one-to-four-family residential real estate loans for the construction, purchase or refinancing of residential property. These loans are principally collateralized by owner-occupied properties, and to a lesser extent second homes and vacation properties, and are amortized over 10 to 30 years. From time-to-time the Bank will sell longer-term, low rate, residential mortgage loans to the Federal Home Loan Mortgage Corporation ("FHLMC") with servicing rights retained. This practice allows the Bank to better manage interest rate risk and liquidity risk. In an effort to manage risk of loss and strengthen secondary market liquidity opportunities, management typically uses secondary market underwriting, appraisal, and servicing guidelines for all loans, including those held in its portfolio. Loans on one-to-four-family residential real estate are mostly originated in amounts of no more than 80% of appraised value or have private mortgage insurance. Mortgage title insurance and hazard insurance is required.

Non-performing Loans: The following table sets forth information regarding non-accruing loans and accruing loans 90 days or more overdue at June 30, 2016, and December 31, 2015.

TOTAL NON-PERFORMING LOANS

		June 30,		December 31,
		2016		2015

Commercial real estate mortgages	$	1,087	$	1,279
Commercial and industrial loans		190		292
Commercial construction and land development		813		1,111
Agricultural and other loans to farmers		--		16
Total commercial loans		2,090		2,698

Residential real estate mortgages		3,157		3,452
Home equity loans		134		820
Other consumer loans		91		10
Total consumer loans		3,382		4,282

Total non-accrual loans		5,472		6,980
Accruing loans contractually past due 90 days or more		81		28
Total non-performing loans	$	5,553	$	7,008

Troubled Debt Restructures: A Troubled Debt Restructure ("TDR") results from a modification of a loan to a borrower who is experiencing financial difficulty in which the Bank grants a concession to the debtor that it would not otherwise consider but for the debtor's financial difficulties. Financial difficulty arises when a debtor is bankrupt or contractually past due, or is likely to become so, based upon its ability to pay. A concession represents an accommodation not generally available to other customers, which may include a below-market interest rate, deferment of principal payments, extension of maturity dates, etc. Such accommodations extended to customers who are not experiencing financial difficulty do not result in TDR classification.

Troubled debt restructurings and related delinquency trends in general are considered in management's evaluation of the allowance for loan losses and the related determination of the provision for loan losses.

Summary information pertaining to the TDRs that occurred during the three and six months ended June 30, 2016 and 2015 follows:


	For the Three Months Ended						For the Six Months Ended
	June 30, 2016						June 30, 2016
				Pre-		Post-			Pre-		Post-
				Modification		Modification			Modification		Modification
				Outstanding		Outstanding			Outstanding		Outstanding
		Number		Recorded		Recorded	Number		Recorded		Recorded
		of Loans		Investment		Investment	of Loans		Investment		Investment

Commercial real estate mortgages		1	$	30	$	30	3	$	425	$	418
Agricultural and other loans to farmers		--		--		--	2		30		25
Total commercial loans		1		30		30	5		455		443

Total		1	$	30	$	30	5	$	455	$	443


	For the Three Months Ended						For the Six Months Ended
	June 30, 2015						June 30, 2015
				Pre-		Post-			Pre-		Post-
				Modification		Modification			Modification		Modification
				Outstanding		Outstanding			Outstanding		Outstanding
		Number		Recorded		Recorded	Number		Recorded		Recorded
		of Loans		Investment		Investment	of Loans		Investment		Investment

Agricultural and other loans to farmers		--	$	---	$	---	1	$	18	$	17
Total commercial loans		--		--		--	1		18		17

Residential real estate mortgages		2	$	795	$	794	3	$	1,267	$	1,266
Total consumer loans		2		795		794	3		1,267		1,266

Total		2	$	795	$	794	4	$	1,285	$	1,283

The following tables show the Bank's post-modification balance of TDRs listed by type of modification for TDRs that occurred during the three and six months ended June 30, 2016 and 2015:


	June 30, 2016				June 30, 2015
		Three		Six		Three		Six
		Months		Months		Months		Months
		Ended		Ended		Ended		Ended

Extended maturity and adjusted interest rate	$	--	$	--	$	--	$	489
Extended maturity and adjusted payment		--		413		--		--
Adjusted payment		--		--		607		607
Adjusted payment and capitalized interest		--		--		187		187
Other concessions		30		30		--		--
Total	$	30	$	443	$	794	$	1,283

Past due loans: Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. The following tables set forth information regarding past due loans at June 30, 2016, and December 31, 2015. Amounts shown exclude deferred loan origination fees and costs.

																>90 Days
		30-59		60-89		90 Days										Past Due
June 30, 2016		Days		Days		or		Total				Total		Non-		and
		Past Due		Past Due		Greater		Past Due		Current		Loans		Accrual		Accruing
Commercial real
estate mortgages	$	844	$	103	$	333	$	1,280		388,753	$	390,033	$	1,087	$	---
Commercial and industrial		4		30		190		224		80,525		80,749		190		--
Commercial construction
and land development		--		--		813		813		24,654		25,467		813		--
Agricultural and other
loans to farmers		13		--		81		94		32,987		33,081		--		81
Residential real
estate mortgages		1,488		753		991		3,232		443,701		446,933		3,157		--
Home equity		31		15		10		56		49,274		49,330		134		--
Other consumer loans		34		1		2		37		6,909		6,946		91		--
Tax exempt		--		--		--		--		16,352		16,352		--		--
Total	$	2,414	$	902	$	2,420	$	5,736	$	1,043,155	$	1,048,891	$	5,472	$	81

																>90 Days
December 31, 2015		30-59		60-89		90 Days										Past Due
		Days		Days		or		Total				Total		Non-		and
		Past Due		Past Due		Greater		Past Due		Current		Loans		Accrual		Accruing
Commercial real
estate mortgages	$	99	$	287	$	241	$	627	$	370,375	$	371,002	$	1,279	$	---
Commercial and industrial		9		1		271		281		79,630		79,911		292		--
Commercial construction
and land development		--		--		1,111		1,111		23,815		24,926		1,111		--
Agricultural and other
loans to farmers		12		70		3		85		30,918		31,003		16		3
Residential real
estate mortgages		1,313		452		1,299		3,064		403,588		406,652		3,452		25
Home equity		245		--		797		1,042		50,488		51,530		820		--
Other consumer loans		66		--		--		66		9,632		9,698		10		--
Tax exempt		--		--		--		--		15,244		15,244		--		--
Total	$	1,744	$	810	$	3,722	$	6,276	$	983,690	$	989,966	$	6,980	$	28

Details of impaired loans as of June 30, 2016 and December 31, 2015 follows:


	June 30, 2016						December 31, 2015
				Unpaid						Unpaid
		Recorded		Principal		Related		Recorded		Principal		Related
		Investment		Balance		Allowance		Investment		Balance		Allowance
With no related allowance:
Commercial real estate mortgages	$	1,900	$	1,900	$	---	$	1,692	$	1,736	$	---
Commercial and industrial		89		89		---		202		352		---
Commercial construction and
land development		---		---		---		---		---		---
Agricultural and other loans to farmers		127		127		---		106		106		---
Residential real estate loans		1,214		1,330		---		1,332		1,362		---
Home equity loans		17		17		---		18		18		---
Other consumer		---		---		---		---		---		---
Subtotal	$	3,347	$	3,463	$	---	$	3,350	$	3,574	$	----

With an allowance:
Commercial real estate mortgages	$	536	$	536	$	43	$	531	$	531	$	43
Commercial and industrial		220		370		175		224		374		175
Commercial construction and
land development		813		2,738		60		1,111		3,036		58
Agricultural and other loans to farmers		---		---		---		---		---		---
Residential real estate loans		512		628		92		515		515		97
Home equity loans		---		---		---		---		---		---
Other consumer		7		7		---		8		8		---
Subtotal	$	2,088	$	4,279	$	370	$	2,389	$	4,464	$	373
Total	$	5,435	$	7,742	$	370	$	5,739	$	8,038	$	373

Details of impaired loans for the three and six months ended June 30, 2016 and 2015 follows:


	June 30, 2016								June 30, 2015
		Three Months Ended				Six Months Ended				Three Months Ended				Six Months Ended

		Average				Average				Average				Average
		Recorded		Interest		Recorded		Interest		Recorded		Interest		Recorded		Interest
		Investment		Recorded		Investment		Recorded		Investment		Recorded		Investment		Recorded
With no related allowance:
Commercial real
estate mortgages	$	1,850	$	32	$	1,859	$	53	$	2,413	$	7	$	2,698	$	14
Commercial and industrial		92		2		94		4		441		3		446		5
Commercial construction
And land development		---		---		---		---		1,260		---		1,260		---
Agricultural and other
loans to farmers		128		3		135		5		113		2		118		4
Residential real
estate mortgages		1,214		17		1,146		38		1,498		13		1,483		25
Home equity loans		16		---		17		1		18		---		19		1
Other consumer		---		---		---		---		---		---		---		---
Subtotal	$	3,300	$	54	$	3,251	$	101	$	5,743	$	25	$	6,024	$	49

With an allowance:
Commercial real
estate mortgages	$	482	$	---	$	443	$	---	$	955	$	---	$	955	$	---
Commercial and industrial		221		---		222		---		170		---		170		---
Commercial construction
and land development		865		---		988		---		---		---		---		---
Agricultural and other
loans to farmers		---		---		---		---		54		---		54		---
Residential real
estate mortgages		513		---		514		---		184		---		183		---
Home equity loans		---		---		---		---		---		---		---		---
Other consumer		7		---		8		---		10		---		10		---
Subtotal	$	2,088	$	---	$	2,175	$	---	$	1,373	$	---	$	1,372	$	---

Total	$	5,388	$	54	$	5,426	$	101	$	7,116	$	25	$	7,396	$	49

Loans that the Bank classifies as losses are those considered uncollectible and of such little value that their continuance as an asset is not warranted and the uncollectible amounts are charged-off. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be affected in the future. Losses are taken in the period in which they are determined to be uncollectible.

Loans that do not expose the Bank to risk sufficient to warrant classification in one of the aforementioned categories, but which possess some weaknesses, are designated "as other assets especially mentioned" special mention. A special mention loan has potential weaknesses that deserve management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution's credit position at some future date. This might include loans which the lending officer may be unable to supervise properly because of: (i) lack of expertise, inadequate loan agreement; (ii) the poor condition of or lack of control over collateral; (iii) failure to obtain proper documentation or any other deviations from prudent lending practices. Economic or market conditions which may, in the future, affect the obligor may warrant special mention of the asset. Loans for which an adverse trend in the borrower's operations or an imbalanced position in the balance sheet which has not reached a point where the liquidation is jeopardized may be included in this classification. Special mention loans are not adversely classified and do not expose an institution to sufficient risks to warrant classification.

The following tables summarize the commercial loan portfolio as of June 30, 2016, and December 31, 2015, by credit quality indicator. Credit quality indicators are reassessed for each applicable commercial loan at least annually, or upon receipt and analysis of the borrower's financial statements, when applicable. Consumer loans, which principally consist of residential mortgage loans, are not rated, but are evaluated for credit quality after origination based on delinquency status (see past due loan aging table above).

						Commercial		Agricultural
		Commercial		Commercial		construction		and other
		real estate		and		and land		loans to
June 30, 2016		mortgages		industrial		development		farmers		Total
Pass	$	364,130	$	76,628	$	24,654	$	32,507	$	497,919
Other Assets Especially
Mentioned		10,381		1,838		--		289		12,508
Substandard		15,509		2,281		813		285		18,888
Doubtful		--		--		--		--		--
Loss		13		2		--		--		15
Total	$	390,033	$	80,749	$	25,467	$	33,081	$	529,330

						Commercial		Agricultural
		Commercial		Commercial		construction		and other
		real estate		and		and land		loans to
December 31, 2015		mortgages		industrial		development		farmers		Total
Pass	$	345,197	$	74,771	$	23,460	$	30,688	$	474,116
Other Assets Especially
Mentioned		7,381		2,349		355		168		10,253
Substandard		18,424		2,790		1,111		147		22,472
Doubtful		--		--		--		--		--
Loss		--		1		--		--		1
Total	$	371,002	$	79,911	$	24,926	$	31,003	$	506,842

Allowance for Loan Losses: The allowance for loan losses (the "allowance") is a reserve established through a provision for loan losses (the "provision") charged to expense, which represents management's best estimate of probable losses that have been incurred within the existing portfolio of loans. The allowance, in the judgment of management, is necessary to provide for estimated loan losses and risks inherent in the loan portfolio. The Bank's allowance for loan loss methodology includes allowance allocations calculated in accordance with ASC Topic 310, "Receivables" and allowance allocations calculated in accordance with ASC Topic 450, "Contingencies." Accordingly, the methodology is based on historical loss experience by type of credit and internal risk grade, homogeneous risk pools and specific loss allocations, with qualitative factor adjustments for current events and conditions. The allowance calculation also includes an estimated adjustment for a Loss Emergence Period, which improves the Bank's ability to more accurately forecast probable losses that may exist in the loan portfolio that have not yet emerged into "problem loan" status. The Bank's process for determining the appropriate level of the allowance is designed to account for credit deterioration as it occurs. The provision reflects loan quality trends, including the levels of and trends related to non-accrual loans, past due loans, potential problem loans, criticized loans and net charge-offs or recoveries, and the overall size of the loan portfolio, among other factors. The provision also reflects the totality of actions taken on all loans for a particular period. In other words, the amount of the provision reflects not only the necessary increases in the allowance related to newly identified criticized loans, but it also reflects actions taken related to other loans including, among other things, any necessary increases or decreases in required allowances for specific loans or loan pools.

The level of the allowance reflects management's continuing evaluation of industry concentrations, specific credit risks, loan loss experience, current loan portfolio quality, present economic, political and regulatory conditions and unidentified losses inherent in the current loan portfolio. While management utilizes its best judgment and information available, the ultimate adequacy of the allowance is dependent upon a variety of factors beyond the Bank's control, including, among other things, the performance of the Bank's loan portfolio, the economy, changes in interest rates and the view of the regulatory authorities toward loan classifications.

The Bank's allowance for loan losses consists of three principal elements: (i) specific valuation allowances determined in accordance with ASC Topic 310 based on probable losses on specific loans; (ii) historical valuation allowances determined in accordance with ASC Topic 450 based on historical loan loss experience for similar loans with similar characteristics and trends, adjusted, as necessary, to reflect the impact of current conditions; and (iii) general valuation allowances determined in accordance with ASC Topic 450 based on general economic conditions and other qualitative risk factors both internal and external to the Bank.

The allowances established for probable losses on specific loans are based on a regular analysis and evaluation of problem loans. Loans are classified based on an internal credit risk grading process that evaluates, among other things: (i) the obligor's ability to repay; (ii) the underlying collateral, if any; and (iii) the economic environment and industry in which the borrower operates. This analysis is performed at the relationship level for all commercial loans. When a loan has a classification of substandard or worse, the Bank analyzes the loan to determine whether the loan is impaired and, if impaired, the need to specifically allocate a portion of the allowance to the loan. Specific valuation allowances are determined by analyzing the borrower's ability to repay amounts contractually owed, collateral deficiencies, the relative risk grade of the loan and economic conditions affecting the borrower's industry, among other observable considerations.

Historical valuation allowances are calculated based on the historical loss experience of specific types of loans and the internal risk grade of such loans at the time they were charged-off. The Bank calculates historical loss ratios for pools of similar loans with similar characteristics based on the proportion of actual net charge-offs experienced to the total loan balance in the pool. The historical loss ratios are updated quarterly based on this net charge-off experience. A historical valuation allowance is established for each pool of similar loans based upon the product of the historical loss ratio and the total dollar amount of the loans in the pool, net of any loans for which reserves are already established. The Bank's pools of similar loans include similarly risk-graded groups of commercial real estate loans, commercial and industrial loans, commercial construction and development loans, municipal loans, residential mortgage loans, consumer revolving loans, and consumer installment loans.

Once established, the general valuation allowance is then modified by the Loss Emergence Period established for each pool of homogeneous loans.

Loans identified as losses by management, external loan review and/or bank examiners, are charged-off. Furthermore, consumer loan accounts are charged-off based on regulatory requirements.

The following tables detail activity in the allowance for loan losses by portfolio segment for the three and six months ended June 30, 2016, and 2015 and twelve months ended December 31, 2015. The tables also provide details regarding the Bank's recorded investment in loans related to each balance in the allowance for loan losses by portfolio segment and disaggregated on the basis of the Bank's impairment methodology. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.

Three Months								Commercial
Ended					Commercial			Construction
June 30, 2016		Commercial			and			and land					Residential						Home			Tax
		Real Estate			Industrial			development			Agricultural		Real Estate			Consumer			Equity			Exempt		Total
Beginning Balance	$	4,667		$	1,233		$	231		$	365	$	2,621		$	108		$	539	$		50	$	9,814
Charged Off	-	--			(1	)	-	--		-	--		(91	)		(7	)	-	--		-	--		(99	)
Recoveries		7			3		-	--		-	--		8			7			1		-	--		26
Provision		(9	)		32			(36	)		18		145			(8	)		7			1		150
Ending Balance	$	4,665		$	1,267		$	195		$	383	$	2,683		$	100		$	547	$		51	$	9,891

									Commercial
Six Months Ended									Construction
June 30, 2016		Commercial			Commercial				and land				Residential						Home			Tax
		Real Estate			and Industrial				development		Agricultural		Real Estate			Consumer			Equity			Exempt		Total
Beginning Balance	$	4,246		$	1,236		$		184	$	307	$	2,747		$	111		$	561		$	47	$	9,439
Charged Off		(34	)		(90	)		-	--	-	--		(122	)		(17	)	-	--		-	--		(263	)
Recoveries		13			4			-	--		40		28			13			2		-	--		100
Provision		440			117				11		36		30			(7	)		(16	)		4		615
Ending Balance	$	4,665		$	1,267		$		195	$	383	$	2,683		$	100		$	547		$	51	$	9,891

of which:

Amount for loans
individually
evaluated for
impairment	$	43		$	175		$		60	$	---	$	54		$	38		$	---		$	---	$	370

Amount for loans
collectively
evaluated for
impairment	$	4,622		$	1,092		$		135	$	383	$	2,629		$	62		$	547		$	51	$	9,521

Loans individually
Evaluated for
impairment	$	2,436		$	309		$		813	$	127	$	1,540		$	7		$	203		$	---	$	5,435

Loans collectively
Evaluated for

impairment	$	387,597		$	80,440		$		24,654	$	32,954	$	445,393		$	6,939		$	49,127		$	16,352	$	1,043,456

								Commercial
Three Months								Construction
Ended June 30,		Commercial			Commercial			and land				Residential						Home				Tax
2015		Real Estate			and Industrial			development		Agricultural		Real Estate			Consumer			Equity		Exempt				Total
Beginning Balance	$	4,500		$	1,074		$	107	$	334		2,875		$	145		$	367		$		76	$	9,478
Charged Off		(181	)		(213	)	-	--	-	--		(70	)		(14	)		(311	)		-	--		(789	)
Recoveries		5			1		-	--	-	--	-	--			4		-	--			-	--		10
Provision		(35	)		285			38		38		(320	)		(25	)		416		3				400
Ending Balance	$	4,289		$	1,147		$	145	$	372	$	2,485		$	110		$	472		$		79	$	9,099

								Commercial
								Construction
Six Months Ended		Commercial			Commercial			and land					Residential						Home			Tax
June 30, 2015		Real Estate			and Industrial			development		Agricultural			Real Estate			Consumer			Equity			Exempt		Total
Beginning Balance	$	4,468		$	929		$	145	$	277		$	2,714		$	94		$	271		$	71	$	8,969
Charged Off		(206	)		(288	)		--		(18	)		(70	)		(25	)		(351	)		--		(958	)
Recoveries		39			2			--		12			129			11			--			--		193
Provision		(12	)		504			--		101			(288	)		30			552			8		895
Ending Balance	$	4,289		$	1,147		$	145	$	372		$	2,485		$	110		$	472		$	79	$	9,099

of which:

Amount for loans
individually
evaluated for
impairment	$	419		$	169		$	---	$	47		$	40		$	---		$	1		$	-	$	676

Amount for loans
collectively
evaluated for
impairment	$	3,870		$	978		$	145	$	325		$	2,445		$	110		$	471		$	79	$	8,423

Loans individually
evaluated for
impairment	$	2,992		$	469		$	1,260	$	166		$	1,180		$	9		$	---		$	----	$	6,076

Loans collectively
Evaluated for
impairment	$	351,137		$	87,733		$	33,160	$	33,368		$	392,575		$	11,132		$	51,794		$	16,146	$	977,045


								Commercial
Twelve Months					Commercial			Construction
Ended		Commercial			and			and land					Residential						Home			Tax
December 31, 2015		Real Estate			Industrial			development		Agricultural			Real Estate			Consumer			Equity			Exempt			Total
Beginning Balance	$	4,468		$	929		$	145	$	277		$	2,714		$	94		$	271		$	71		$	8,969
Charged Off		(667	)		(323	)		---		(72	)		(70	)		(111	)		(376	)		--			(1,619	)
Recoveries		98			36			---		18			129			22			1			--			304
Provision		347			594			39		84			(26	)		106			665			(24	)		1,785
Ending Balance	$	4,246		$	1,236		$	184	$	307		$	2,747		$	111		$	561		$	47		$	9,439

of which:

Amount for loans
individually
evaluated
for impairment	$	43		$	175		$	58	$	---		$	97		$	---		$	---		$	---		$	373

Amount for loans
collectively
evaluated for
impairment	$	4,203		$	1,061		$	126	$	307		$	2,650		$	111		$	561		$	47		$	9,066

Loans individually
evaluated
for impairment	$	2,223		$	426		$	1,111	$	106		$	1,847		$	8		$	18		$	---		$	5,739

Loans collectively
evaluated
for impairment	$	368,779		$	79,485		$	23,815	$	30,897		$	404,805		$	9,690		$	51,512		$	15,244		$	984,227

Loan Concentrations: Because of the Company's proximity to Acadia National Park, a large part of the economic activity in the Bank's area is generated from the hospitality business associated with tourism. At June 30, 2016, and December 31, 2015, loans to the lodging industry amounted to approximately $123,595 and $98,231, respectively.

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Other Real Estate Owned

6 Months Ended

Jun. 30, 2016

Other Real Estate Owned [Abstract]

Other Real Estate Owned

Note 9: Other Real Estate Owned

Other real estate owned ("OREO") is classified in Other Assets on the Company's balance sheet.

The Company's OREO activity for the six months ended June 30, 2016 and 2015 are presented below:

		2016			2015

Balance at beginning of year	$	256		$	523
Additions		-			-
Disposals		-			(110	)
Writedowns		(47	)		(20	)
Balance at end of period	$	209		$	393

The Company's OREO portfolio by property type is presented in the table below as of June 30, 2016 and December 31, 2015:


	2016			2015
	Number			Number
	of		Carrying	of		Carrying
	properties		value	properties		value

Residential	2	$	119	3	$	143
Commercial	1		90	2		250
Total	3	$	209	5	$	393

The Company's net gains and losses on OREO properties are presented within non-interest expense on the consolidated statements of income.

The Company recorded net gains and losses on OREO properties for the three and six months ended June 30, 2016 and 2015 as follows:


		June 30, 2016						June 30, 2015
		Three			Six			Three		Six
		Months			Months			Months		Months
		Ended			Ended			Ended		Ended

Net (losses) gains on OREO	$	(47	)	$	(47	)	$	44	$	44

- Definition

The entire disclosure for real estate owned (as defined). Generally, the largest component of real estate owned by lenders is assets taken in settlement of troubled loans through surrender or foreclosure. Real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned.

+ References + Details

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Reclassifications Out Of Accumulated Other Comprehensive Income

6 Months Ended

Jun. 30, 2016

Reclassifications Out Of Accumulated Other Comprehensive Income [Abstract]

Reclassifications Out Of Accumulated Other Comprehensive Income

Note 10: Reclassifications Out of Accumulated Other Comprehensive Income

The following table summarizes the reclassifications out of Accumulated Other Comprehensive Income for the six months ended June 30, 2016 and 2015.


	Amount Reclassified from
	Accumulated Other
	Comprehensive Income

	Six Months			Six Months			Affected Line Item in the
Details about Accumulated	Ended			Ended			Statement Where Net
Other Comprehensive Income	June 30, 2016			June 30, 2015			Income is Presented

Realized gains and losses on
available-for-sale securities	$	3,135		$	1,206		Net securities gains
Tax (expense) or benefit		(1,097	)		(422	)	Provision for income taxes
Net of tax	$	2,038		$	784		Net income

Amortization of prior service cost and
actuarial loss for supplemental
executive retirement plan	$	(14	)	$	(19	)	Salaries and benefits
Tax (expense) or benefit		5			6		Provision for income taxes
Net of tax	$	(9	)	$	(13	)	Net income

Total reclassification for the period	$	2,029		$	771

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Financial Derivative Instruments

6 Months Ended

Jun. 30, 2016

Financial Derivative Instruments [Abstract]

Financial Derivative Instruments

Note 11: Financial Derivative Instruments

As part of its overall asset and liability management strategy, the Bank periodically uses derivative instruments to minimize significant unplanned fluctuations in earnings and cash flows caused by interest rate volatility. The Bank's interest rate risk management strategy involves modifying the re-pricing characteristics of certain assets or liabilities so that changes in interest rates do not have a significant effect on net interest income.

The Company recognizes its derivative instruments on the consolidated balance sheet at fair value. On the date the derivative instrument is entered into, the Bank designates whether the derivative is part of a hedging relationship (i.e., cash flow or fair value hedge). The Bank formally documents relationships between hedging instruments and hedged items, as well as its risk management objective and strategy for undertaking hedge transactions. The Bank also assesses, both at the hedge's inception and on an ongoing basis, whether the derivatives used in hedging transactions are highly effective in offsetting the changes in cash flows or fair values of hedged items. Changes in fair value of derivative instruments that are highly effective and qualify as cash flow hedges are recorded in other comprehensive income or loss. Any ineffective portion is recorded in earnings. The Bank discontinues hedge accounting when it is determined that the derivative is no longer highly effective in offsetting changes of the hedged risk on the hedged item, or management determines that the designation of the derivative as a hedging instrument is no longer appropriate.

In 2014, interest rate cap agreements were purchased to limit the Bank's exposure to rising interest rates on four rolling, three-month borrowings indexed to three month LIBOR. Under the terms of the agreements, the Bank paid total premiums of $4,566 for the right to receive cash flow payments if 3-month LIBOR rises above the caps of 3.00%, thus effectively ensuring interest expense on the borrowings at maximum rates of 3.00% for the duration of the agreements. The interest rate cap agreements were designated as cash flow hedges.

At June 30, 2016, the Bank had four outstanding derivative instruments with notional amounts totaling $90,000. These derivative instruments were interest rate cap agreements. The notional amounts of the financial derivative instruments do not represent exposure to credit loss. The Bank is exposed to credit loss only to the extent the counter-party defaults in its responsibility to pay interest under the terms of the agreements. The credit risk in derivative instruments is mitigated by entering into transactions with highly-rated counterparties that management believes to be creditworthy and by limiting the amount of exposure to each counter-party. At June 30, 2016, the Bank's derivative instrument counterparties were credit rated "AA" by the major credit rating agencies.

The details of the Bank's financial derivative instruments as of June 30, 2016 are summarized below:

Interest Rate Cap Agreements

	Notional	Termination	3-Month LIBOR			Premium		Unamortized		Fair
	Amount	Date	Strike Rate			Paid		Premium		Value

$	25,000	06/02/21	3.00	%	$	922	$	915	$	76
$	20,000	06/04/24	3.00	%	$	1,470	$	1,466	$	284
$	20,000	10/21/21	3.00	%	$	632	$	631	$	83
$	25,000	10/21/24	3.00	%	$	1,542	$	1,541	$	399

At June 30, 2016, the total fair value of the interest rate cap agreements was $842, compared with $2,069 at December 31, 2015. The fair values of the interest rate cap agreements are included in other assets on the Company's consolidated balance sheets. Changes in the fair value, representing unrealized gains or losses, are recorded in accumulated other comprehensive income, net of tax.

A summary of the hedging related balances as of June 30, 2016 and December 31, 2015 follows:

June 30, 2016		Gross			Net of Tax
Unrealized loss on interest rate caps	$	(3,711	)	$	(2,412	)
Unamortized premium on interest rate caps		4,553			2,959
Total	$	842		$	547

December 31, 2015		Gross			Net of Tax
Unrealized loss on interest rate caps	$	(2,495	)	$	(1,621	)
Unamortized premium on interest rate caps	$	4,564			2,966
Total	$	2,069		$	1,345

- Definition

The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 30
-Section 45
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-URI http://asc.fasb.org/extlink&oid=6441202&loc=d3e80720-113993

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
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-Section 50
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
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Reference 4: http://www.xbrl.org/2003/role/presentationRef
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Reference 5: http://www.xbrl.org/2003/role/presentationRef
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Reference 7: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Standards Codification
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-Name Accounting Standards Codification
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Reference 14: http://www.xbrl.org/2003/role/presentationRef
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Reference 15: http://www.xbrl.org/2003/role/presentationRef
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-Publisher FASB
-Name Accounting Standards Codification
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-Paragraph 1
-Subparagraph (SX 210.4-08.(n))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

+ Details

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Retirement Benefit Plans

6 Months Ended

Jun. 30, 2016

Retirement Benefit Plans [Abstract]

Retirement Benefit Plans

Note 12: Retirement Benefit Plans

The following tables summarize the net periodic benefit costs for the three and six months ended June 30, 2016, and 2015:


		Supplemental Executive
		Retirement Plans

Three Months Ended June 30,		2016		2015

Service cost	$	18	$	19
Interest cost		32		31
Actuarial loss on supplemental executive retirement plan		7		8
Net periodic benefit cost	$	57	$	58


		Supplemental Executive
		Retirement Plans
Six Months Ended June 30,		2016		2015

Service cost	$	36	$	36
Interest cost		64		62
Actuarial loss on supplemental executive retirement plan		14		19
Net periodic benefit cost	$	114	$	117

XML 33 R22.htm IDEA: XBRL DOCUMENT

Commitments And Contingent Liabilities

6 Months Ended

Jun. 30, 2016

Commitments And Contingent Liabilities [Abstract]

Commitments And Contingent Liabilities

Note 13: Commitments and Contingent Liabilities

Commitments to originate loans, including unused lines of credit, are agreements to lend to a customer provided there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank uses the same credit policy to make such commitments as it uses for on-balance-sheet items, such as loans. The Bank evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management's credit evaluation of the borrower.

The following table summarizes the contractual amounts of commitments and contingent liabilities as of June 30, 2016, and December 31, 2015:

		June 30,		December 31,
		2016		2015

Commitments to originate loans	$	25,047	$	41,529
Unused lines of credit	$	93,974	$	97,283
Un-advanced portions of construction loans	$	24,180	$	12,719
Standby letters of credit	$	385	$	385

As of June 30, 2016, and December 31, 2015, the fair value of the standby letters of credit was not significant to the Company's consolidated financial statements.

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Goodwill And Other Intangible Assets

6 Months Ended

Jun. 30, 2016

Goodwill And Other Intangible Assets [Abstract]

Goodwill And Other Intangible Assets

Note 14: Goodwill and Other Intangible Assets

Goodwill: Goodwill totaled $4,935 at June 30, 2016, and December 31, 2015. In 2012 the Company recorded $1,777 of goodwill in connection with the Bank's acquisition of substantially all of the assets and the assumption of certain liabilities including all deposits of the Border Trust Company.

Core Deposit Intangible Asset: The Company has a finite-lived intangible asset capitalized on its consolidated balance sheet in the form of a core deposit intangible asset related to the Border Trust Company acquisition. The core deposit intangible is being amortized over an estimated useful life of eight and one-half years and is included in other assets on the Company's consolidated balance sheet. At June 30, 2016, and December 31, 2015, the balance of the core deposit intangible asset amounted to $424 and $470, respectively.

		June 30,		December 31,
		2016		2015

Gross carrying amount	$	783	$	783
Less: accumulated amortization		359		313
Net carrying amount	$	424	$	470

Amortization expense on the finite-lived intangible assets is expected to total $92 for each year from 2016 through 2020, then $8 for 2021.

- Definition

The entire disclosure for the aggregate amount of goodwill and a description of intangible assets, which may include (a) for amortizable intangible assets (also referred to as finite-lived intangible assets), the carrying amount, the amount of any significant residual value, and the weighted-average amortization period, (b) for intangible assets not subject to amortization (also referred to as indefinite-lived intangible assets), the carrying amount, and (c) the amount of research and development assets acquired and written off in the period, including the line item in the income statement in which the amounts written off are aggregated, if not readily apparent from the income statement. Also discloses (a) for amortizable intangibles assets in total and by major class, the gross carrying amount and accumulated amortization, the total amortization expense for the period, and the estimated aggregate amortization expense for each of the five succeeding fiscal years, (b) for intangible assets not subject to amortization the carrying amount in total and by major class, and (c) for goodwill, in total and for each reportable segment, the changes in the carrying amount of goodwill during the period (including the aggregate amount of goodwill acquired, the aggregate amount of impairment losses recognized, and the amount of goodwill included in the gain (loss) on disposal of a reporting unit). If any part of goodwill has not been allocated to a reportable segment, discloses the unallocated amount and the reasons for not allocating. For each impairment loss recognized related to an intangible asset (excluding goodwill), discloses: (a) a description of the impaired intangible asset and the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method for determining fair value, (c) the caption in the income statement or the statement of activities in which the impairment loss is aggregated, and (d) the segment in which the impaired intangible asset is reported. For each goodwill impairment loss recognized, discloses: (a) a description of the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method of determining the fair value of the associated reporting unit, and (c) if a recognized impairment loss is an estimate not finalized and the reasons why the estimate is not final. May also disclose the nature and amount of any significant adjustments made to a previous estimate of an impairment loss.

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Fair Value Measurements

6 Months Ended

Jun. 30, 2016

Fair Value Measurements [Abstract]

Fair Value Measurements

Note 15: Fair Value Measurements

The Company's fair value measurements employ valuation techniques that are consistent with the market approach, the income approach and/or the cost approach. The market approach uses prices and other relevant information generated by market transactions involving identical or comparable assets and liabilities. The income approach uses valuation techniques to convert future amounts, such as cash flows or earnings, to a single present amount on a discounted basis. The cost approach is based on the amount that currently would be required to replace the servicing capacity of an asset (replacement cost). Valuation techniques are consistently applied. Inputs to valuation techniques refer to the assumptions that market participants would use in pricing the asset or liability. Inputs may be observable, meaning those that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from independent sources, or unobservable, meaning those that reflect the reporting entity's own assumptions about the assumptions market participants would use in pricing the asset or liability developed based on the best information available in the circumstances. The Company uses a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets (Level 1 measurements) for identical assets or liabilities and the lowest priority to unobservable inputs (Level 3 measurements). The fair value hierarchy is as follows:

Level 1– Valuation is based on unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date.
Level 2– Valuation is based on quoted prices for similar instruments in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, and model-based techniques for which all significant assumptions are observable in the market.
Level 3– Valuation is principally generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates that market participants would use in pricing the asset or liability. Valuation techniques include use of discounted cash flow models and similar techniques.

The most significant instruments that the Company values are securities, all of which fall into Level 2 in the fair value hierarchy. The securities in the available for sale portfolio are priced by independent providers. In obtaining such valuation information from third parties, the Company has evaluated their valuation methodologies used to develop the fair values in order to determine whether valuations are appropriately placed within the fair value hierarchy and whether the valuations are representative of an exit price in the Company's principal markets. The Company's principal markets for its securities portfolios are the secondary institutional markets, with an exit price that is predominantly reflective of bid level pricing in those markets. Additionally, the Company periodically tests the reasonableness of the prices provided by these third parties by obtaining fair values from other independent providers and by obtaining desk bids from a variety of institutional brokers.

	Level 1		Level 2	Level 3		Total Fair
June 30, 2016	Inputs		Inputs	Inputs		Value
Securities available for sale:
Mortgage-backed securities:
US Government-sponsored enterprises	$ ---	$	332,980	$ ---	$	332,980
US Government agencies	$ ---	$	82,368	$ ---	$	82,368
Private label	$ ---	$	1,327	$ ---	$	1,327
Obligations of states and political subdivisions thereof	$ ---	$	115,915	$ ---	$	115,915
Derivative assets	$ ---	$	842	$ ---	$	842

	Level 1		Level 2	Level 3		Total Fair
December 31, 2015	Inputs		Inputs	Inputs		Value
Securities available for sale:
Mortgage-backed securities:
US Government-sponsored enterprises	$ ---	$	306,993	$ ---	$	306,993
US Government agencies	$ ---	$	79,130	$ ---	$	79,130
Private label	$ ---	$	3,464	$ ---	$	3,464
Obligations of states and political subdivisions thereof	$ ---	$	115,382	$ ---	$	115,382
Derivative assets	$ ---	$	2,069	$ ---	$	2,069

	Level 1	Level 2		Level 3		Fair
As of June 30, 2016	Inputs	Inputs		Inputs		Value		Loss

Other real estate owned	$ ---	$ ---	$	209	$	209	$	47
Collateral dependent impaired loans	$ ---	$ ---	$	2,769	$	2,769	$	---

	Level 1	Level 2		Level 3
As of December 31, 2015	Inputs	Inputs		Inputs		Fair Value		Loss

Other real estate owned	$ ---	$ ---	$	256	$	256	$	27
Collateral dependent impaired loans	$ ---	$ ---	$	1,999	$	1,999	$	---

There were no transfers between levels during the periods presented.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

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Fair Value Of Financial Instruments

6 Months Ended

Jun. 30, 2016

Fair Value Of Financial Instruments [Abstract]

Fair Value Of Financial Instruments

Note 16: Fair Value of Financial Instruments

The following describes the methods and significant assumptions used by the Company in estimating the fair values of significant financial instruments:

Federal Home Loan Bank Stock: For Federal Home Loan Bank stock, the carrying amounts report on the consolidated balance sheet approximate fair values.

Borrowings: For borrowings that mature or re-price in 90 days or less, carrying value approximates fair value. The fair value of the Company's remaining borrowings is estimated by using discounted cash flows based on current rates available for similar types of borrowing arrangements taking into account any optionality.

Accrued Interest Receivable and Payable: The carrying amounts of accrued interest receivable and payable approximate their fair values.

Off-Balance Sheet Financial Instruments: The Company's off-balance sheet instruments consist of loan commitments and standby letters of credit. Fair values for standby letters of credit were insignificant.

A summary of the carrying values and estimated fair values of the Company's significant financial instruments at June 30, 2016 and December 31, 2015, follows:

		Carrying			Level 1			Level 2			Level 3		Total
June 30, 2016		Value			Inputs			Inputs			Inputs		Fair Value
Financial Assets:
Cash and cash equivalents	$	25,867	$		25,867	$	-	--	$	-	--	$	25,867
Federal Home Loan Bank stock		26,713		-	--			26,713		-	--		26,713
Loans, net		1,039,131		-	--		-	--			1,041,964		1,041,964
Interest receivable		6,252		-	--			6,252		-	--		6,252

Financial liabilities:
Deposits (with no stated maturity)	$	532,958	$	-	--	$		532,958	$	-	--	$	532,958
Time deposits		456,858		-	--			461,990		-	--		461,990
Borrowings		525,102		-	--			526,690		-	--		526,690
Interest payable		562		-	--			562		-	--		562



		Carrying		Level 1		Level 2		Level 3		Total
December 31, 2015		Value		Inputs		Inputs		Inputs		Fair Value
Financial Assets:
Cash and cash equivalents	$	9,720	$	9,720	$	--	$	--	$	9,720
Federal Home Loan Bank stock		21,479		--		21,479		--		21,479
Loans, net		980,631		--		--		975,610		975,610
Interest receivable		5,420		--		5,420		--		5,420

Financial liabilities:
Deposits (with no stated maturity)	$	546,058	$	--	$	546,058	$	--	$	546,058
Time deposits		396,729		--		399,146		--		399,146
Borrowings		474,791		--		473,404		--		473,404
Interest payable		527		--		527		--		527

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Management's Use Of Estimates (Policy)	6 Months Ended
Management's Use Of Estimates (Policy)	Jun. 30, 2016
Management's Use Of Estimates [Abstract]
Allowance For Loan Losses	*Allowance for Loan Losses:* The allowance for loan losses (the "allowance") is a significant accounting estimate used in the preparation of the Company's consolidated financial statements. The allowance is available to absorb losses inherent in the current loan portfolio and is maintained at a level that, in management's judgment, is appropriate for the amount of risk inherent in the loan portfolio, given past and present conditions. The allowance is increased by provisions charged to operating expense and by recoveries on loans previously charged off, and is decreased by loans charged off as uncollectible. Arriving at an appropriate level of allowance for loan losses involves a high degree of judgment. The determination of the adequacy of the allowance and provisioning for estimated losses is evaluated regularly based on review of loans, with particular emphasis on non-performing and other loans that management believes warrant special consideration. The ongoing evaluation process includes a formal analysis, which considers among other factors: the character and size of the loan portfolio, business and economic conditions, real estate market conditions, collateral values, changes in product offerings or loan terms, changes in underwriting and/or collection policies, loan growth, previous charge-off experience, delinquency trends, non-performing loan trends, the performance of individual loans in relation to contract terms, and estimated fair values of collateral. The allowance for loan losses consists of allowances established for specific loans including impaired loans; allowances for pools of loans based on historical charge-offs by loan types; and supplemental allowances that adjust historical loss experience to reflect current economic conditions, industry specific risks, and other observable data. While management uses available information to recognize losses on loans, changing economic conditions and the economic prospects of the borrowers may necessitate future additions or reductions to the allowance. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Bank's allowance, which also may necessitate future additions or reductions to the allowance, based on information available to them at the time of their examination.
Other-Than-Temporary Impairments On Investment Securities	*Other-Than-Temporary Impairments on Investment Securities*: One of the significant estimates relating to securities is the evaluation of other-than-temporary impairment ("OTTI"). If a decline in the fair value of a security is judged to be other-than-temporary, and management does not intend to sell the security and believes it is more-likely-than-not the Company will not be required to sell the security prior to recovery of cost or amortized cost, the portion of the total impairment attributable to the credit loss is recognized in earnings, and the remaining difference between the security's amortized cost basis and its fair value is included in other comprehensive income. For impaired available for sale debt securities that management intends to sell, or where management believes it is more-likely-than-not that the Company will be required to sell, an OTTI charge is recognized in earnings equal to the difference between fair value and cost or amortized cost basis of the security. The fair value of the OTTI security becomes its new cost basis. The evaluation of securities for impairments is a quantitative and qualitative process, which is subject to risks and uncertainties and is intended to determine whether declines in the fair value of securities should be recognized in current period earnings. The risks and uncertainties include changes in general economic conditions, the issuer's financial condition and/or future prospects, the effects of changes in interest rates or credit spreads and the expected recovery period of unrealized losses. The Company has a security monitoring process that identifies securities that, due to certain characteristics, as described below, are subjected to an enhanced analysis on a quarterly basis. Securities that are in an unrealized loss position are reviewed at least quarterly to determine if an OTTI is present based on certain quantitative and qualitative factors and measures. The primary factors considered in evaluating whether a decline in value of securities is other-than-temporary include: (a) the cause of the impairment; (b) the financial condition, credit rating and future prospects of the issuer; (c) whether the underlying debtor is current on contractually obligated interest and principal payments; (d) the volatility of the securities' fair value; (e) performance indicators of the underlying assets in the security including default rates, delinquency rates, percentage of non-performing assets, loan to collateral value ratios, conditional payment rates, third party guarantees, current levels of subordination, vintage, and geographic concentration and; (f) any other information and observable data considered relevant in determining whether an OTTI has occurred, including the expectation of the receipt of all principal and interest due. In addition, for securitized financial assets with contractual cash flows, such as private label mortgage-backed securities ("MBS"), the Company periodically updates its best estimate of cash flows over the life of the security. The Company's best estimate of cash flows is based upon assumptions consistent with the current economic environment, similar to those the Company believes market participants would use. Estimating future cash flows is a quantitative and qualitative process that incorporates information received from third party sources along with certain assumptions and judgments regarding the future performance of the underlying collateral. In addition, projections of expected future cash flows may change based upon new information regarding the performance of the underlying collateral.
Income Taxes	*Income Taxes:* The Company uses the asset and liability method of accounting for income taxes. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. If current available information indicates that it is more-likely-than-not that deferred tax assets will not be realized, a valuation allowance is established. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Significant management judgment is required in determining income tax expense and deferred tax assets and liabilities. As of June 30, 2016 and December 31, 2015, there was no valuation allowance for deferred tax assets.
Goodwill And Identifiable Intangible Assets	*Goodwill and Identifiable Intangible Assets:* In connection with acquisitions, the Company generally records as assets on its consolidated financial statements both goodwill and identifiable intangible assets, such as core deposit intangibles. The Company evaluates whether the carrying value of its goodwill has become impaired, in which case the value is reduced through a charge to its earnings. Goodwill is evaluated for impairment at least annually, or upon a triggering event using certain fair value techniques. Goodwill impairment testing is performed at the segment (or "reporting unit") level. Goodwill is assigned to reporting units at the date the goodwill is initially recorded. Once goodwill has been assigned to the reporting units, it no longer retains its association with a particular acquisition, and all of the activities within a reporting unit, whether acquired or organically grown, are available to support the value of the goodwill. Goodwill represents the excess of the purchase price over the fair value of net assets acquired in accordance with the purchase method of accounting for business combinations. Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis or more frequently if an event occurs or circumstances change that reduce the fair value of a reporting unit below its carrying amount. The Company completes its annual goodwill impairment test as of December 31 of each year. The impairment testing process is conducted by assigning assets and goodwill to each reporting unit. Currently, the Company's goodwill is evaluated at the entity level as there is only one reporting unit. The Company first assesses certain qualitative factors to determine if it is more-likely-than-not that the fair value of the reporting unit is less than its carrying value. If it is more-likely-than-not that the fair value of the reporting unit is less than the carrying value, then the fair value of each reporting unit is compared to the recorded book value ("step one"). If the fair value of the reporting unit exceeds its carrying value, goodwill is not considered impaired and "step two" is not considered necessary. If the carrying value of a reporting unit exceeds its fair value, the impairment test continues ("step two") by comparing the carrying value of the reporting unit's goodwill to the implied fair value of goodwill. The implied fair value is computed by adjusting all assets and liabilities of the reporting unit to current fair value with the offset adjustment to goodwill. The adjusted goodwill balance is the implied fair value of the goodwill. An impairment charge is recognized if the carrying fair value of goodwill exceeds the implied fair value of goodwill. At December 31, 2015, there was no indication of impairment that led the Company to believe it needed to perform a two-step test. Any changes in the estimates used by the Company to determine the carrying value of its goodwill, or which otherwise adversely affect their value or estimated lives, would adversely affect the Company's consolidated results of operations.

- Definition

Disclosure of accounting policy for income taxes, which may include its accounting policies for recognizing and measuring deferred tax assets and liabilities and related valuation allowances, recognizing investment tax credits, operating loss carryforwards, tax credit carryforwards, and other carryforwards, methodologies for determining its effective income tax rate and the characterization of interest and penalties in the financial statements.

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Earnings Per Share (Tables)

6 Months Ended

Jun. 30, 2016

Earnings Per Share [Abstract]

Reconciliation Of Basic And Diluted Earnings Per Share


		Three Months Ended				Six Months Ended
		June 30,				June 30,
		2016		2015		2016		2015

Net income	$	4,311	$	3,873	$	8,717	$	7,754

Weighted average common shares outstanding
Basic		6,021,316	5,973,758			6,015,257	5,963,704
Effect of dilutive employee stock options		64,985		90,655		68,110		86,418
Diluted		6,086,301	6,064,413			6,083,367	6,050,122

Anti-dilutive options excluded from
earnings per share calculation		75,763		10,950		80,263		11,197

Per Common Share Data:
Basic earnings per share	$	0.72	$	0.65	$	1.45	$	1.30
Diluted earnings per share	$	0.71	$	0.64	$	1.43	$	1.28

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Securities Available For Sale (Tables)

6 Months Ended

Jun. 30, 2016

Securities Available For Sale [Abstract]

Summary Of Securities Available For Sale

June 30, 2016				Gross		Gross
		Amortized		Unrealized		Unrealized		Estimated
Available for Sale:		Cost		Gains		Losses		Fair Value

Mortgage-backed securities:
US Government-sponsored enterprises	$	323,684	$	9,693	$	397	$	332,980
US Government agency		80,472		1,993		97		82,368
Private label		1,128		218		19		1,327
Obligations of states and
political subdivisions thereof		109,898		6,108		91		115,915
Total	$	515,182	$	18,012	$	604	$	532,590


December 31, 2015				Gross		Gross
		Amortized		Unrealized		Unrealized		Estimated
Available for Sale:		Cost		Gains		Losses		Fair Value

Mortgage-backed securities:
US Government-sponsored enterprises	$	304,106	$	5,042	$	2,155	$	306,993
US Government agency		78,408		1,269		547		79,130
Private label		2,713		762		11		3,464
Obligations of states and
political subdivisions thereof		110,952		4,758		328		115,382
Total	$	496,179	$	11,831	$	3,041	$	504,969

Summary Of Maturities Distribution Of The Amortized Cost And Estimated Fair Value Of Securities Available For Sale

		Amortized		Estimated
Securities Available for Sale		Cost		Fair Value

Due one year or less	$	167	$	168
Due after one year through five years		5,592		5,732
Due after five years through ten years		13,889		14,762
Due after ten years		495,534		511,928
Total	$	515,182	$	532,590

Schedule Of OTTI Related To Historical Estimated Credit Losses On Debt Securities And Changes In Estimated Credit Losses Recognized In Pre-Tax Earnings

		2016		2015

Estimated credit losses as of March 31,	$	2,793	$	3,413
Additions for credit losses for securities on which
OTTI has been previously recognized		--		--
Additions for credit losses for securities on which
OTTI has not been previously recognized		--		--
Reductions for securities sold or paid off during the period		1,096		233
Estimated credit losses as of June 30,	$	1,697	$	3,180

Estimated credit losses as of prior year-end,	$	3,180	$	3,413
Additions for credit losses for securities on which
OTTI has been previously recognized		--		--
Additions for credit losses for securities on which
OTTI has not been previously recognized		--		--
Reductions for securities sold or paid off during the period		1,483		233
Estimated credit losses as of June 30,	$	1,697	$	3,180

Summary Of Fair Value Of Securities With Continuous Unrealized Losses

			Less than 12 months					12 months or longer					Total
		Estimated					Estimated					Estimated
June 30, 2016		Fair	Number of		Unrealized		Fair	Number of		Unrealized		Fair	Number of		Unrealized
		Value	Investments		Losses		Value	Investments		Losses		Value	Investments		Losses
Description of Securities:
Mortgage-backed securities:
US Government-
sponsored enterprises	$	35,865	42	$	224	$	9,678	22	$	173	$	45,543	64	$	397
US Government agency		7,619	11		27		4,920	16		70		12,539	27		97
Private label		198	2		10		159	5		9		357	7		19
Obligations of states and
political subdivisions
thereof		2,426	5		7		5,077	11		84		7,503	16		91
Total	$	46,108	60	$	268	$	19,834	54	$	336	$	65,942	114	$	604


			Less than 12 months					12 months or longer					Total
		Estimated					Estimated					Estimated
December 31, 2015		Fair	Number of		Unrealized		Fair	Number of		Unrealized		Fair	Number of		Unrealized
		Value	Investments		Losses		Value	Investments		Losses		Value	Investments		Losses
Description of Securities:

Mortgage-backed securities:
US Government-
sponsored enterprises	$	112,770	142	$	1,342	$	23,646	33	$	813	$	136,416	175	$	2,155
US Government agency		20,201	30		326		11,232	22		221		31,433	52		547
Private label		235	2		2		178	5		9		413	7		11
Obligations of states and
political subdivisions
thereof		14,853	25		210		3,700	11		118		18,553	36		328
Total	$	148,059	199	$	1,880	$	38,756	71	$	1,161	$	186,815	270	$	3,041

Summary Of Realized Gains And Losses And Other-Than-Temporary Impairment Losses On Securities

		Proceeds				Other
		from Sale of				Than
		Securities				Temporary
		Available		Realized	Realized	Impairment
		for Sale		Gains	Losses	Losses		Net

Three months ended June 30,
2016	$	23,142	$	1,699	$ ---	$ ---	$	1,699
2015	$	11,487	$	587	$ ---	$ ---	$	587

Six months ended June 30,
2016	$	44,655	$	3,135	$ ---	$ ---	$	3,135
2015	$	20,428	$	1,206	$ ---	$ ---	$	1,206

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Loans And Allowance For Loan Losses (Tables)

6 Months Ended

Jun. 30, 2016

Loans And Allowance For Loan Losses [Abstract]

Summary Of Composition Of Loan Portfolio

		June 30,			December 31,
		2016			2015

Commercial real estate mortgages	$	390,033		$	371,002
Commercial and industrial		80,749			79,911
Commercial construction and land development		25,467			24,926
Agricultural and other loans to farmers		33,081			31,003
Total commercial loans		529,330			506,842

Residential real estate mortgages		446,933			408,401
Home equity loans		49,330			51,530
Other consumer loans		6,946			7,949
Total consumer loans		503,209			467,880

Tax exempt loans		16,352			15,244

Net deferred loan costs and fees		131			104
Total loans		1,049,022			990,070
Allowance for loan losses		(9,891	)		(9,439	)
Total loans net of allowance for loan losses	$	1,039,131		$	980,631

Summary Of Non-Performing Loans

		June 30,		December 31,
		2016		2015

Commercial real estate mortgages	$	1,087	$	1,279
Commercial and industrial loans		190		292
Commercial construction and land development		813		1,111
Agricultural and other loans to farmers		--		16
Total commercial loans		2,090		2,698

Residential real estate mortgages		3,157		3,452
Home equity loans		134		820
Other consumer loans		91		10
Total consumer loans		3,382		4,282

Total non-accrual loans		5,472		6,980
Accruing loans contractually past due 90 days or more		81		28
Total non-performing loans	$	5,553	$	7,008

Summary Of Troubled Debt Restructures

	For the Three Months Ended						For the Six Months Ended
	June 30, 2016						June 30, 2016
				Pre-		Post-			Pre-		Post-
				Modification		Modification			Modification		Modification
				Outstanding		Outstanding			Outstanding		Outstanding
		Number		Recorded		Recorded	Number		Recorded		Recorded
		of Loans		Investment		Investment	of Loans		Investment		Investment

Commercial real estate mortgages		1	$	30	$	30	3	$	425	$	418
Agricultural and other loans to farmers		--		--		--	2		30		25
Total commercial loans		1		30		30	5		455		443

Total		1	$	30	$	30	5	$	455	$	443


	For the Three Months Ended						For the Six Months Ended
	June 30, 2015						June 30, 2015
				Pre-		Post-			Pre-		Post-
				Modification		Modification			Modification		Modification
				Outstanding		Outstanding			Outstanding		Outstanding
		Number		Recorded		Recorded	Number		Recorded		Recorded
		of Loans		Investment		Investment	of Loans		Investment		Investment

Agricultural and other loans to farmers		--	$	---	$	---	1	$	18	$	17
Total commercial loans		--		--		--	1		18		17

Residential real estate mortgages		2	$	795	$	794	3	$	1,267	$	1,266
Total consumer loans		2		795		794	3		1,267		1,266

Total		2	$	795	$	794	4	$	1,285	$	1,283

Summary Of Post-Modification Balance of Troubled Debt Restructurings


	June 30, 2016				June 30, 2015
		Three		Six		Three		Six
		Months		Months		Months		Months
		Ended		Ended		Ended		Ended

Extended maturity and adjusted interest rate	$	--	$	--	$	--	$	489
Extended maturity and adjusted payment		--		413		--		--
Adjusted payment		--		--		607		607
Adjusted payment and capitalized interest		--		--		187		187
Other concessions		30		30		--		--
Total	$	30	$	443	$	794	$	1,283

Schedule Of Past Due Loans

																>90 Days
June 30, 2016		30-59		60-89		90 Days										Past Due
		Days		Days		or		Total				Total		Non-		and
		Past Due		Past Due		Greater		Past Due		Current		Loans		Accrual		Accruing
Commercial real
estate mortgages	$	844	$	103	$	333	$	1,280		388,753	$	390,033	$	1,087	$	---
Commercial and industrial		4		30		190		224		80,525		80,749		190		--
Commercial construction
and land development		--		--		813		813		24,654		25,467		813		--
Agricultural and other
loans to farmers		13		--		81		94		32,987		33,081		--		81
Residential real
estate mortgages		1,488		753		991		3,232		443,701		446,933		3,157		--
Home equity		31		15		10		56		49,274		49,330		134		--
Other consumer loans		34		1		2		37		6,909		6,946		91		--
Tax exempt		--		--		--		--		16,352		16,352		--		--
Total	$	2,414	$	902	$	2,420	$	5,736	$	1,043,155	$	1,048,891	$	5,472	$	81


																>90 Days
December 31, 2015		30-59		60-89		90 Days										Past Due
		Days		Days		or		Total				Total		Non-		and
		Past Due		Past Due		Greater		Past Due		Current		Loans		Accrual		Accruing
Commercial real
estate mortgages	$	99	$	287	$	241	$	627	$	370,375	$	371,002	$	1,279	$	---
Commercial and industrial		9		1		271		281		79,630		79,911		292		--
Commercial construction
and land development		--		--		1,111		1,111		23,815		24,926		1,111		--
Agricultural and other
loans to farmers		12		70		3		85		30,918		31,003		16		3
Residential real
estate mortgages		1,313		452		1,299		3,064		403,588		406,652		3,452		25
Home equity		245		--		797		1,042		50,488		51,530		820		--
Other consumer loans		66		--		--		66		9,632		9,698		10		--
Tax exempt		--		--		--		--		15,244		15,244		--		--
Total	$	1,744	$	810	$	3,722	$	6,276	$	983,690	$	989,966	$	6,980	$	28

Schedule Of Impaired Loans

Details of impaired loans as of June 30, 2016 and December 31, 2015 follows:


	June 30, 2016						December 31, 2015
				Unpaid						Unpaid
		Recorded		Principal		Related		Recorded		Principal		Related
		Investment		Balance		Allowance		Investment		Balance		Allowance
With no related allowance:
Commercial real estate mortgages	$	1,900	$	1,900	$	---	$	1,692	$	1,736	$	---
Commercial and industrial		89		89		---		202		352		---
Commercial construction and
land development		---		---		---		---		---		---
Agricultural and other loans to farmers		127		127		---		106		106		---
Residential real estate loans		1,214		1,330		---		1,332		1,362		---
Home equity loans		17		17		---		18		18		---
Other consumer		---		---		---		---		---		---
Subtotal	$	3,347	$	3,463	$	---	$	3,350	$	3,574	$	----

With an allowance:
Commercial real estate mortgages	$	536	$	536	$	43	$	531	$	531	$	43
Commercial and industrial		220		370		175		224		374		175
Commercial construction and
land development		813		2,738		60		1,111		3,036		58
Agricultural and other loans to farmers		---		---		---		---		---		---
Residential real estate loans		512		628		92		515		515		97
Home equity loans		---		---		---		---		---		---
Other consumer		7		7		---		8		8		---
Subtotal	$	2,088	$	4,279	$	370	$	2,389	$	4,464	$	373
Total	$	5,435	$	7,742	$	370	$	5,739	$	8,038	$	373

Details of impaired loans for the three and six months ended June 30, 2016 and 2015 follows:


	June 30, 2016								June 30, 2015
		Three Months Ended				Six Months Ended				Three Months Ended				Six Months Ended

		Average				Average				Average				Average
		Recorded		Interest		Recorded		Interest		Recorded		Interest		Recorded		Interest
		Investment		Recorded		Investment		Recorded		Investment		Recorded		Investment		Recorded
With no related allowance:
Commercial real
estate mortgages	$	1,850	$	32	$	1,859	$	53	$	2,413	$	7	$	2,698	$	14
Commercial and industrial		92		2		94		4		441		3		446		5
Commercial construction
And land development		---		---		---		---		1,260		---		1,260		---
Agricultural and other
loans to farmers		128		3		135		5		113		2		118		4
Residential real
estate mortgages		1,214		17		1,146		38		1,498		13		1,483		25
Home equity loans		16		---		17		1		18		---		19		1
Other consumer		---		---		---		---		---		---		---		---
Subtotal	$	3,300	$	54	$	3,251	$	101	$	5,743	$	25	$	6,024	$	49

With an allowance:
Commercial real
estate mortgages	$	482	$	---	$	443	$	---	$	955	$	---	$	955	$	---
Commercial and industrial		221		---		222		---		170		---		170		---
Commercial construction
and land development		865		---		988		---		---		---		---		---
Agricultural and other
loans to farmers		---		---		---		---		54		---		54		---
Residential real
estate mortgages		513		---		514		---		184		---		183		---
Home equity loans		---		---		---		---		---		---		---		---
Other consumer		7		---		8		---		10		---		10		---
Subtotal	$	2,088	$	---	$	2,175	$	---	$	1,373	$	---	$	1,372	$	---

Total	$	5,388	$	54	$	5,426	$	101	$	7,116	$	25	$	7,396	$	49

Schedule Of Loans With Credit Quality Indicators


						Commercial		Agricultural
		Commercial		Commercial		construction		and other
		real estate		and		and land		loans to
June 30, 2016		mortgages		industrial		development		farmers		Total
Pass	$	364,130	$	76,628	$	24,654	$	32,507	$	497,919
Other Assets Especially
Mentioned		10,381		1,838		---		289		12,508
Substandard		15,509		2,281		813		285		18,888
Doubtful		---		---		---		---		---
Loss		13		2		---		---		15
Total	$	390,033	$	80,749	$	25,467	$	33,081	$	529,330


						Commercial		Agricultural
		Commercial		Commercial		construction		and other
		real estate		and		and land		loans to
December 31, 2015		mortgages		industrial		development		farmers		Total
Pass	$	345,197	$	74,771	$	23,460	$	30,688	$	474,116
Other Assets Especially
Mentioned		7,381		2,349		355		168		10,253
Substandard		18,424		2,790		1,111		147		22,472
Doubtful		---		---		---		---		---
Loss		---		1		---		---		1
Total	$	371,002	$	79,911	$	24,926	$	31,003	$	506,842

Schedule Of Allowance For Loan Losses By Portfolio Segment

								Commercial
Three Months					Commercial			Construction
Ended	Commercial				and			and land					Residential						Home		Tax
June 30, 2016	Real Estate				Industrial			development			Agricultural		Real Estate			Consumer			Equity		Exempt			Total
Beginning Balance	$	4,667		$	1,233		$	231		$	365	$	2,621		$	108		$	539		$	50	$	9,814
Charged Off		--			(1	)		--			--		(91	)		(7	)		--			--		(99	)
Recoveries		7			3			--			--		8			7			1			--		26
Provision		(9	)		32			(36	)		18		145			(8	)		7			1		150
Ending Balance	$	4,665		$	1,267		$	195		$	383	$	2,683		$	100		$	547		$	51	$	9,891


								Commercial
								Construction
Six Months Ended	Commercial				Commercial			and land					Residential						Home		Tax
June 30, 2016	Real Estate				and Industrial			development			Agricultural		Real Estate			Consumer			Equity		Exempt			Total
Beginning Balance	$	4,246		$	1,236		$	184		$	307	$	2,747		$	111		$	561		$	47	$	9,439
Charged Off		(34	)		(90	)		--			--		(122	)		(17	)		--			--		(263	)
Recoveries		13			4			--			40		28			13			2			--		100
Provision		440			117			11			36		30			(7	)		(16	)		4		615
Ending Balance	$	4,665		$	1,267		$	195		$	383	$	2,683		$	100		$	547		$	51	$	9,891

of which:

Amount for loans
individually
evaluated for
impairment	$	43		$	175		$	60		$	---	$	54		$	38		$	---		$	--	$	370

Amount for loans
collectively
evaluated for
impairment	$	4,622		$	1,092		$	135		$	383	$	2,629		$	62		$	547		$	51	$	9,521

Loans individually
Evaluated for
impairment	$	2,436		$	309		$	813		$	127	$	1,540		$	7		$	203		$	--	$	5,435

Loans collectively
Evaluated for
impairment	$	387,597		$	80,440		$	24,654		$	32,954	$	445,393		$	6,939		$	49,127		$	16,352	$	1,043,456




								Commercial
Three Months								Construction
Ended	Commercial				Commercial			and land					Residential						Home		Tax
June 30, 2015	Real Estate				and Industrial			development			Agricultural		Real Estate			Consumer			Equity		Exempt			Total
Beginning Balance	$	4,500		$	1,074		$	107		$	334		2,875		$	145		$	367		$	76	$	9,478
Charged Off		(181	)		(213	)		--			--		(70	)		(14	)		(311	)		--		(789	)
Recoveries		5			1			--			--		--			4			--			--		10
Provision		(35	)		285			38			38		(320	)		(25	)		416			3		400
Ending Balance	$	4,289		$	1,147		$	145		$	372	$	2,485		$	110		$	472		$	79	$	9,099


								Commercial
								Construction
Six Months Ended		Commercial			Commercial			and land					Residential						Home			Tax
June 30, 2015		Real Estate			and Industrial			development		Agricultural			Real Estate			Consumer			Equity			Exempt		Total
Beginning Balance	$	4,468		$	929		$	145	$	277		$	2,714		$	94		$	271		$	71	$	8,969
Charged Off		(206	)		(288	)		--		(18	)		(70	)		(25	)		(351	)		--		(958	)
Recoveries		39			2			--		12			129			11			--			--		193
Provision		(12	)		504			--		101			(288	)		30			552			8		895
Ending Balance	$	4,289		$	1,147		$	145	$	372		$	2,485		$	110		$	472		$	79	$	9,099

of which:

Amount for loans
individually
evaluated for
impairment	$	419		$	169		$	---	$	47		$	40		$	---		$	1		$	-	$	676

Amount for loans
collectively
evaluated for
impairment	$	3,870		$	978		$	145	$	325		$	2,445		$	110		$	471		$	79	$	8,423

Loans individually
evaluated for
impairment	$	2,992		$	469		$	1,260	$	166		$	1,180		$	9		$	---		$	----	$	6,076

Loans collectively
Evaluated for
impairment	$	351,137		$	87,733		$	33,160	$	33,368		$	392,575		$	11,132		$	51,794		$	16,146	$	977,045


								Commercial
Twelve Months					Commercial			Construction
Ended		Commercial			and			and land					Residential						Home			Tax
December 31, 2015		Real Estate			Industrial			development		Agricultural			Real Estate			Consumer			Equity			Exempt			Total
Beginning Balance	$	4,468		$	929		$	145	$	277		$	2,714		$	94		$	271		$	71		$	8,969
Charged Off		(667	)		(323	)		---		(72	)		(70	)		(111	)		(376	)		--			(1,619	)
Recoveries		98			36			---		18			129			22			1			--			304
Provision		347			594			39		84			(26	)		106			665			(24	)		1,785
Ending Balance	$	4,246		$	1,236		$	184	$	307		$	2,747		$	111		$	561		$	47		$	9,439

of which:

Amount for loans
individually
evaluated
for impairment	$	43		$	175		$	58	$	---		$	97		$	---		$	---		$	---		$	373

Amount for loans
collectively
evaluated for
impairment	$	4,203		$	1,061		$	126	$	307		$	2,650		$	111		$	561		$	47		$	9,066

Loans individually
evaluated
for impairment	$	2,223		$	426		$	1,111	$	106		$	1,847		$	8		$	18		$	---		$	5,739

Loans collectively
evaluated
for impairment	$	368,779		$	79,485		$	23,815	$	30,897		$	404,805		$	9,690		$	51,512		$	15,244		$	984,227

XML 41 R30.htm IDEA: XBRL DOCUMENT

Other Real Estate Owned (Tables)

6 Months Ended

Jun. 30, 2016

Other Real Estate Owned [Abstract]

Schedule Of OREO Activity

		2016			2015

Balance at beginning of year	$	256		$	523
Additions		-			-
Disposals		-			(110	)
Writedowns		(47	)		(20	)
Balance at end of period	$	209		$	393

Schedule Of OREO Portfolio By Property Type


	2016			2015
	Number			Number
	of		Carrying	of		Carrying
	properties		value	properties		value

Residential	2	$	119	3	$	143
Commercial	1		90	2		250
Total	3	$	209	5	$	393

Net Gains And Losses On OREO Properties


		June 30, 2016						June 30, 2015
		Three			Six			Three		Six
		Months			Months			Months		Months
		Ended			Ended			Ended		Ended

Net (losses) gains on OREO	$	(47	)	$	(47	)	$	44	$	44

XML 42 R31.htm IDEA: XBRL DOCUMENT

Reclassifications Out Of Accumulated Other Comprehensive Income (Tables)

6 Months Ended

Jun. 30, 2016

Reclassifications Out Of Accumulated Other Comprehensive Income [Abstract]

Summary Of Reclassifications Out Of Accumulated Other Comprehensive Income


	Amount Reclassified from
	Accumulated Other
	Comprehensive Income

	Six Months			Six Months			Affected Line Item in the
Details about Accumulated	Ended			Ended			Statement Where Net
Other Comprehensive Income	June 30, 2016			June 30, 2015			Income is Presented

Realized gains and losses on
available-for-sale securities	$	3,135		$	1,206		Net securities gains
Tax (expense) or benefit		(1,097	)		(422	)	Provision for income taxes
Net of tax	$	2,038		$	784		Net income

Amortization of prior service cost and
actuarial loss for supplemental
executive retirement plan	$	(14	)	$	(19	)	Salaries and benefits
Tax (expense) or benefit		5			6		Provision for income taxes
Net of tax	$	(9	)	$	(13	)	Net income

Total reclassification for the period	$	2,029		$	771

XML 43 R32.htm IDEA: XBRL DOCUMENT

Financial Derivative Instruments (Tables)

6 Months Ended

Jun. 30, 2016

Financial Derivative Instruments [Abstract]

Schedule of Notional Amounts of Outstanding Derivative Positions

	Notional	Termination	3-Month LIBOR			Premium		Unamortized		Fair
	Amount	Date	Strike Rate			Paid		Premium		Value

$	25,000	06/02/21	3.00	%	$	922	$	915	$	76
$	20,000	06/04/24	3.00	%	$	1,470	$	1,466	$	284
$	20,000	10/21/21	3.00	%	$	632	$	631	$	83
$	25,000	10/21/24	3.00	%	$	1,542	$	1,541	$	399

Schedule of Interest Rate Derivatives

		Gross			Net of Tax
June 30, 2016
Unrealized loss on interest rate caps	$	(3,711	)	$	(2,412	)
Unamortized premium on interest rate caps		4,553			2,959
Total	$	842		$	547

December 31, 2015
Unrealized loss on interest rate caps	$	(2,495	)	$	(1,621	)
Unamortized premium on interest rate caps		4,564			2,966
Total	$	2,069		$	1,345

XML 44 R33.htm IDEA: XBRL DOCUMENT

Retirement Benefit Plans (Tables)

6 Months Ended

Jun. 30, 2016

Retirement Benefit Plans [Abstract]

Schedule Of Components Of Net Periodic Benefit Cost

		Supplemental Executive
		Retirement Plans

Three Months Ended June 30,		2016		2015

Service cost	$	18	$	19
Interest cost		32		31
Actuarial loss on supplemental executive retirement plan		7		8
Net periodic benefit cost	$	57	$	58

Six Months Ended June 30,

Service cost	$	36	$	36
Interest cost		64		62
Actuarial loss on supplemental executive retirement plan		14		19
Net periodic benefit cost	$	114	$	117

XML 45 R34.htm IDEA: XBRL DOCUMENT

Commitments And Contingent Liabilities (Tables)

6 Months Ended

Jun. 30, 2016

Commitments And Contingent Liabilities [Abstract]

Schedule Of Contractual Amounts Of Commitments And Contingent Liabilities

		June 30,		December 31,
		2016		2015

Commitments to originate loans	$	25,047	$	41,529
Unused lines of credit	$	93,974	$	97,283
Un-advanced portions of construction loans	$	24,180	$	12,719
Standby letters of credit	$	385	$	385

XML 46 R35.htm IDEA: XBRL DOCUMENT

Goodwill And Other Intangible Assets (Tables)

6 Months Ended

Jun. 30, 2016

Goodwill And Other Intangible Assets [Abstract]

Schedule Of Core Deposits Intangible Assets

		June 30,		December 31,
		2016		2015

Gross carrying amount	$	783	$	783
Less: accumulated amortization		359		313
Net carrying amount	$	424	$	470

XML 47 R36.htm IDEA: XBRL DOCUMENT

Fair Value Measurements (Tables)

6 Months Ended

Jun. 30, 2016

Fair Value Measurements [Abstract]

Financial Assets And Financial Liabilities Measured At Fair Value On A Recurring Basis

	Level 1		Level 2	Level 3		Total Fair
June 30, 2016	Inputs		Inputs	Inputs		Value
Securities available for sale:
Mortgage-backed securities:
US Government-sponsored enterprises	$ ---	$	332,980	$ ---	$	332,980
US Government agencies	$ ---	$	82,368	$ ---	$	82,368
Private label	$ ---	$	1,327	$ ---	$	1,327
Obligations of states and political subdivisions thereof	$ ---	$	115,915	$ ---	$	115,915
Derivative assets	$ ---	$	842	$ ---	$	842

	Level 1		Level 2	Level 3		Total Fair
December 31, 2015	Inputs		Inputs	Inputs		Value
Securities available for sale:
Mortgage-backed securities:
US Government-sponsored enterprises	$ ---	$	306,993	$ ---	$	306,993
US Government agencies	$ ---	$	79,130	$ ---	$	79,130
Private label	$ ---	$	3,464	$ ---	$	3,464
Obligations of states and political subdivisions thereof	$ ---	$	115,382	$ ---	$	115,382
Derivative assets	$ ---	$	2,069	$ ---	$	2,069

Financial Assets And Financial Liabilities Measured At Fair Value On A Non-Recurring Basis

	Level 1	Level 2		Level 3
As of June 30, 2016	Inputs	Inputs		Inputs		Fair Value		Loss

Other real estate owned	$ ---	$ ---	$	209	$	209	$	47
Collateral dependent impaired loans	$ ---	$ ---	$	2,769	$	2,769	$	---


	Level 1	Level 2		Level 3
As of December 31, 2015	Inputs	Inputs		Inputs		Fair Value		Loss

Other real estate owned	$ ---	$ ---	$	256	$	256	$	27
Collateral dependent impaired loans	$ ---	$ ---	$	1,999	$	1,999	$	---

XML 48 R37.htm IDEA: XBRL DOCUMENT

Fair Value Of Financial Instruments (Tables)

6 Months Ended

Jun. 30, 2016

Fair Value Of Financial Instruments [Abstract]

Summary Of The Carrying Values And Estimated Fair Values Of Financial Instruments

		Carrying		Level 1		Level 2		Level 3		Total
June 30, 2016		Value		Inputs		Inputs		Inputs		Fair Value
Financial Assets:
Cash and cash equivalents	$	25,867	$	25,867	$	--	$	--	$	25,867
Federal Home Loan Bank stock		26,713		--		26,713		--		26,713
Loans, net		1,039,131		--		--		1,041,964		1,041,964
Interest receivable		6,252		--		6,252		--		6,252

Financial liabilities:
Deposits (with no stated maturity)	$	532,958	$	--	$	532,958	$	--	$	532,958
Time deposits		456,858		--		461,990		--		461,990
Borrowings		525,102		--		526,690		--		526,690
Interest payable		562		--		562		--		562


		Carrying		Level 1		Level 2		Level 3		Total
December 31, 2015		Value		Inputs		Inputs		Inputs		Fair Value
Financial Assets:
Cash and cash equivalents	$	9,720	$	9,720	$	--	$	--	$	9,720
Federal Home Loan Bank stock		21,479		--		21,479		--		21,479
Loans, net		980,631		--		--		975,610		975,610
Interest receivable		5,420		--		5,420		--		5,420

Financial liabilities:
Deposits (with no stated maturity)	$	546,058	$	--	$	546,058	$	--	$	546,058
Time deposits		396,729		--		399,146		--		399,146
Borrowings		474,791		--		473,404		--		473,404
Interest payable		527		--		527		--		527

XML 49 R38.htm IDEA: XBRL DOCUMENT

Subsequent Events (Narrative) (Details) - Subsequent Event [Member]	Jul. 19, 2016 USD ($) item $ / shares
Business Acquisition [Line Items]
Dividends payable, date declared	Jul. 19, 2016
Dividends payable, cents per share \| $ / shares	$ 27.5
Dividends payable, increase in cents \| $	$ 2.0
Dividends payable, increase in percentage	7.80%
Dividends payable, date of record	Aug. 15, 2016
Dividends payable, date to be paid	Sep. 15, 2016
Dividends payable, number of consecutive quarters increase quarterly cash dividend \| item	21

XML 50 R39.htm IDEA: XBRL DOCUMENT

Merger And Acquisition Activity (Narrative) (Details) - Lake Sunapee Bank Group [Member] $ in Thousands		3 Months Ended	6 Months Ended
	May 05, 2016 USD ($)	Jun. 30, 2016 USD ($)	Jun. 30, 2016 USD ($) item
Business Acquisition [Line Items]
Date of acquisition agreement			May 05, 2016
Acquisition, all-stock transaction value	$ 143,000
Acquisition, pro forma market cap	350,000
Number of branches \| item			49
Acquisition, non-recurring expenses		$ 492	$ 492
Assets [Member]
Business Acquisition [Line Items]
Acquisition, assets acquired	3,300,000
Assets Under Management [Member]
Business Acquisition [Line Items]
Acquisition, assets acquired	2,000,000
Loans [Member]
Business Acquisition [Line Items]
Acquisition, liabilities assumed	2,400,000
Deposits [Member]
Business Acquisition [Line Items]
Acquisition, assets acquired	$ 2,200,000

XML 51 R40.htm IDEA: XBRL DOCUMENT

Management's Use Of Estimates (Narrative) (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Management's Use Of Estimates [Abstract]
Deferred tax assets, valuation allowance	$ 0	$ 0

XML 52 R41.htm IDEA: XBRL DOCUMENT

Earnings Per Share (Reconciliation Of Basic And Diluted Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Earnings Per Share [Abstract]
Net income	$ 4,311	$ 3,873	$ 8,717	$ 7,754
Weighted average common shares outstanding
Basic	6,021,316	5,973,758	6,015,257	5,963,704
Effect of dilutive employee stock options	64,985	90,655	68,110	86,418
Diluted	6,086,301	6,064,413	6,083,367	6,050,122
Anti-dilutive options excluded from earnings per share calculation	75,763	10,950	80,263	11,197
Per Common Share Data:
Basic earnings per share	$ 0.72	$ 0.65	$ 1.45	$ 1.30
Diluted earnings per share	$ 0.71	$ 0.64	$ 1.43	$ 1.28

XML 53 R42.htm IDEA: XBRL DOCUMENT

Securities Available For Sale (Narrative) (Details) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2016 USD ($) security shares	Dec. 31, 2015 USD ($)
Schedule of Available for sale Securities [Line Items]
Unrealized gain, net of tax	$ 135	$ 462
Unrealized losses on securities	604	3,041
US Government-Sponsored Enterprises [Member]
Schedule of Available for sale Securities [Line Items]
Unrealized losses on securities	397	2,155
US Government Agencies [Member]
Schedule of Available for sale Securities [Line Items]
Unrealized losses on securities	$ 97	547
Private Label [Member]
Schedule of Available for sale Securities [Line Items]
Private-label MBS (debt securities), amount held \| security	4
Amortized cost included OTTI losses	$ 48
Unrealized losses on securities	19	11
Obligations Of States And Political Subdivisions Thereof [Member]
Schedule of Available for sale Securities [Line Items]
Unrealized losses on securities	$ 91	$ 328
Bar Harbor Bank & Trust [Member] \| Visa Class B [Member]
Schedule of Available for sale Securities [Line Items]
Number of Visa Class shares owned \| shares	11,623
Bar Harbor Bank & Trust [Member] \| Visa Class A [Member]
Schedule of Available for sale Securities [Line Items]
Number of Visa Class shares owned \| shares	19,158
Conversion ratio, Visa Class	1.648

XML 54 R43.htm IDEA: XBRL DOCUMENT

Securities Available For Sale (Summary Of Securities Available For Sale) (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Schedule of Available for sale Securities [Line Items]
Available for Sale, Amortized Cost	$ 515,182	$ 496,179
Available for Sale, Gross Unrealized Gains	18,012	11,831
Available for Sale, Gross Unrealized Losses	604	3,041
Available for Sale, Estimated Fair Value	532,590	504,969
US Government-Sponsored Enterprises [Member]
Schedule of Available for sale Securities [Line Items]
Available for Sale, Amortized Cost	323,684	304,106
Available for Sale, Gross Unrealized Gains	9,693	5,042
Available for Sale, Gross Unrealized Losses	397	2,155
Available for Sale, Estimated Fair Value	332,980	306,993
US Government Agencies [Member]
Schedule of Available for sale Securities [Line Items]
Available for Sale, Amortized Cost	80,472	78,408
Available for Sale, Gross Unrealized Gains	1,993	1,269
Available for Sale, Gross Unrealized Losses	97	547
Available for Sale, Estimated Fair Value	82,368	79,130
Private Label [Member]
Schedule of Available for sale Securities [Line Items]
Available for Sale, Amortized Cost	1,128	2,713
Available for Sale, Gross Unrealized Gains	218	762
Available for Sale, Gross Unrealized Losses	19	11
Available for Sale, Estimated Fair Value	1,327	3,464
Obligations Of States And Political Subdivisions Thereof [Member]
Schedule of Available for sale Securities [Line Items]
Available for Sale, Amortized Cost	109,898	110,952
Available for Sale, Gross Unrealized Gains	6,108	4,758
Available for Sale, Gross Unrealized Losses	91	328
Available for Sale, Estimated Fair Value	$ 115,915	$ 115,382

XML 55 R44.htm IDEA: XBRL DOCUMENT

Securities Available For Sale (Summary Of Maturities Distribution Of The Amortized Cost And Estimated Fair Value Of Securities Available For Sale) (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Securities Available For Sale [Abstract]
Amortized Cost, Due one year or less	$ 167
Amortized Cost, Due after one year through five years	5,592
Amortized Cost, Due after five years through ten years	13,889
Amortized Cost, Due after ten years	495,534
Securities Available for Sale, Amortized Cost	515,182	$ 496,179
Estimated Fair Value, Due one year or less	168
Estimated Fair Value, Due after one year through five years	5,732
Estimated Fair Value, Due after five years through ten years	14,762
Estimated Fair Value, Due after ten years	511,928
Securities Available for Sale, Estimated Fair Value	$ 532,590	$ 504,969

XML 56 R45.htm IDEA: XBRL DOCUMENT

Securities Available For Sale (Schedule Of OTTI Related To Historical Estimated Credit Losses On Debt Securities And Changes In Estimated Credit Losses Recognized In Pre-Tax Earnings) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Securities Available For Sale [Abstract]
Estimated credit losses as of prior year-end,	$ 2,793	$ 3,413	$ 3,180	$ 3,413
Additions for credit losses for securities on which OTTI has been previously recognized
Additions for credit losses for securities on which OTTI has not been previously recognized
Reductions for securities paid off during the period	1,096	233	1,483	233
Estimated credit losses as of	$ 1,697	$ 3,180	$ 1,697	$ 3,180

XML 57 R46.htm IDEA: XBRL DOCUMENT

Securities Available For Sale (Summary Of Fair Value Of Securities With Continuous Unrealized Losses) (Details) $ in Thousands	Jun. 30, 2016 USD ($) security	Dec. 31, 2015 USD ($) security
Schedule of Available for sale Securities [Line Items]
Securities with continuous unrealized losses, Less than 12 months, Estimated Fair Value	$ 46,108	$ 148,059
Securities with continuous unrealized losses, Less than 12 months, Number of Investments \| security	60	199
Securities with continuous unrealized losses, Less than 12 months, Unrealized Losses	$ 268	$ 1,880
Securities with continuous unrealized losses, 12 months or longer, Estimated Fair Value	$ 19,834	$ 38,756
Securities with continuous unrealized losses, 12 months or longer, Number of Investments \| security	54	71
Securities with continuous unrealized losses, 12 months or longer, Unrealized Losses	$ 336	$ 1,161
Securities with continuous unrealized losses, Total, Estimated Fair Value	$ 65,942	$ 186,815
Securities with continuous unrealized losses, Total, Number of Investments \| security	114	270
Securities with continuous unrealized losses, Total, Unrealized Losses	$ 604	$ 3,041
US Government-Sponsored Enterprises [Member]
Schedule of Available for sale Securities [Line Items]
Securities with continuous unrealized losses, Less than 12 months, Estimated Fair Value	$ 35,865	$ 112,770
Securities with continuous unrealized losses, Less than 12 months, Number of Investments \| security	42	142
Securities with continuous unrealized losses, Less than 12 months, Unrealized Losses	$ 224	$ 1,342
Securities with continuous unrealized losses, 12 months or longer, Estimated Fair Value	$ 9,678	$ 23,646
Securities with continuous unrealized losses, 12 months or longer, Number of Investments \| security	22	33
Securities with continuous unrealized losses, 12 months or longer, Unrealized Losses	$ 173	$ 813
Securities with continuous unrealized losses, Total, Estimated Fair Value	$ 45,543	$ 136,416
Securities with continuous unrealized losses, Total, Number of Investments \| security	64	175
Securities with continuous unrealized losses, Total, Unrealized Losses	$ 397	$ 2,155
US Government Agencies [Member]
Schedule of Available for sale Securities [Line Items]
Securities with continuous unrealized losses, Less than 12 months, Estimated Fair Value	$ 7,619	$ 20,201
Securities with continuous unrealized losses, Less than 12 months, Number of Investments \| security	11	30
Securities with continuous unrealized losses, Less than 12 months, Unrealized Losses	$ 27	$ 326
Securities with continuous unrealized losses, 12 months or longer, Estimated Fair Value	$ 4,920	$ 11,232
Securities with continuous unrealized losses, 12 months or longer, Number of Investments \| security	16	22
Securities with continuous unrealized losses, 12 months or longer, Unrealized Losses	$ 70	$ 221
Securities with continuous unrealized losses, Total, Estimated Fair Value	$ 12,539	$ 31,433
Securities with continuous unrealized losses, Total, Number of Investments \| security	27	52
Securities with continuous unrealized losses, Total, Unrealized Losses	$ 97	$ 547
Private Label [Member]
Schedule of Available for sale Securities [Line Items]
Securities with continuous unrealized losses, Less than 12 months, Estimated Fair Value	$ 198	$ 235
Securities with continuous unrealized losses, Less than 12 months, Number of Investments \| security	2	2
Securities with continuous unrealized losses, Less than 12 months, Unrealized Losses	$ 10	$ 2
Securities with continuous unrealized losses, 12 months or longer, Estimated Fair Value	$ 159	$ 178
Securities with continuous unrealized losses, 12 months or longer, Number of Investments \| security	5	5
Securities with continuous unrealized losses, 12 months or longer, Unrealized Losses	$ 9	$ 9
Securities with continuous unrealized losses, Total, Estimated Fair Value	$ 357	$ 413
Securities with continuous unrealized losses, Total, Number of Investments \| security	7	7
Securities with continuous unrealized losses, Total, Unrealized Losses	$ 19	$ 11
Obligations Of States And Political Subdivisions Thereof [Member]
Schedule of Available for sale Securities [Line Items]
Securities with continuous unrealized losses, Less than 12 months, Estimated Fair Value	$ 2,426	$ 14,853
Securities with continuous unrealized losses, Less than 12 months, Number of Investments \| security	5	25
Securities with continuous unrealized losses, Less than 12 months, Unrealized Losses	$ 7	$ 210
Securities with continuous unrealized losses, 12 months or longer, Estimated Fair Value	$ 5,077	$ 3,700
Securities with continuous unrealized losses, 12 months or longer, Number of Investments \| security	11	11
Securities with continuous unrealized losses, 12 months or longer, Unrealized Losses	$ 84	$ 118
Securities with continuous unrealized losses, Total, Estimated Fair Value	$ 7,503	$ 18,553
Securities with continuous unrealized losses, Total, Number of Investments \| security	16	36
Securities with continuous unrealized losses, Total, Unrealized Losses	$ 91	$ 328

XML 58 R47.htm IDEA: XBRL DOCUMENT

Securities Available For Sale (Summary Of Realized Gains And Losses And Other-Than-Temporary Impairment Losses On Securities) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Securities Available For Sale [Abstract]
Proceeds from Sale of Securities Available for Sale	$ 23,142	$ 11,487	$ 44,655	$ 20,428
Realized Gains	1,699	587	3,135	1,206
Net	$ 1,699	$ 587	$ 3,135	$ 1,206

XML 59 R48.htm IDEA: XBRL DOCUMENT

Loans And Allowance For Loan Losses (Narrative) (Details) $ in Thousands	6 Months Ended		12 Months Ended
	Jun. 30, 2016 USD ($) loan	Jun. 30, 2015 USD ($) loan	Dec. 31, 2015 USD ($) loan	Dec. 31, 2014 USD ($)
Loans And Allowance For Loan Losses [Line Items]
Period of delinquency after which a loan is placed on non-accruals status	90 days
Loans charge off period	120 days
Loan returned to accrual status, performance required, months	6 months
Number of TDRs classified as non-accrual \| loan	6		6
Number of defaulted loans that had been modified as TDRs \| loan	1	0
Modified troubled debt restructurings resulting in default	$ 40
Number of relationships to loans classified as troubled debt restructurings \| loan	21		17
Loans	$ 529,330		$ 506,842
Loans to relationships classified as TDRs, Total	3,387		3,162
Accruing loans contractually past due 30 days or more, total amount	0		0
Default amounts on loans that had been modified as TDRs	879		826
Total other real estate owned	$ 209	$ 393	$ 256	$ 523
Minimum [Member] \| Commercial Real Estate Mortgages [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of years for which principally collateralized loans are amortized	15 years
Minimum [Member] \| Residential Real Estate Mortgages [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of years for which principally collateralized loans are amortized	10 years
Maximum [Member]
Loans And Allowance For Loan Losses [Line Items]
Percentage of appraised value of residential real estate loans	80.00%
Maximum [Member] \| Commercial Real Estate Mortgages [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of years for which principally collateralized loans are amortized	20 years
Maximum [Member] \| Residential Real Estate Mortgages [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of years for which principally collateralized loans are amortized	30 years
Home Equity Loans [Member] \| Maximum [Member]
Loans And Allowance For Loan Losses [Line Items]
Combined loan-to-value ratio	85.00%
Commercial Real Estate [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of loans, classified as TDRs, to relationships \| loan	10		7
Real Estate Secured [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of loans, classified as TDRs, to relationships \| loan	8		8
Commercial And Industrial [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of loans, classified as TDRs, to relationships \| loan	4		4
Loans	$ 80,749		$ 79,911
Commercial And Industrial [Member] \| Maximum [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of years for which principally collateralized loans are amortized	10 years
Commercial Construction And Land Development [Member]
Loans And Allowance For Loan Losses [Line Items]
Loans	$ 25,467		$ 24,926
Commercial Construction And Land Development [Member] \| Minimum [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of months for which principally collateralized loans are amortized	6 months
Commercial Construction And Land Development [Member] \| Maximum [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of months for which principally collateralized loans are amortized	24 months
Agricultural And Other Loans To Farmers [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of loans, classified as TDRs, to relationships \| loan	4		2
Other Consumer Loans [Member]
Loans And Allowance For Loan Losses [Line Items]
Number of loans, classified as TDRs, to relationships \| loan	1		1
Lodging And Hospitality Industry [Member]
Loans And Allowance For Loan Losses [Line Items]
Percentage of commercial real estate mortgage portfolio	31.00%
Loans	$ 123,595		$ 98,231

XML 60 R49.htm IDEA: XBRL DOCUMENT

Loans And Allowance For Loan Losses (Summary Of Composition Of Loan Portfolio) (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net deferred loan costs and fees	$ 131	$ 104
Total loans	1,049,022	990,070
Allowance for loan losses	(9,891)	(9,439)
Loans, net of allowance for loan losses	1,039,131	980,631
Commercial Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	390,033	371,002
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	80,749	79,911
Commercial Construction And Land Development [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	25,467	24,926
Agricultural And Other Loans To Farmers [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	33,081	31,003
Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	529,330	506,842
Residential Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	446,933	408,401
Home Equity Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	49,330	51,530
Other Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	6,946	7,949
Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	503,209	467,880
Tax Exempt Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	$ 16,352	$ 15,244

XML 61 R50.htm IDEA: XBRL DOCUMENT

Loans And Allowance For Loan Losses (Summary Of Non Performing Loans) (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	$ 5,472	$ 6,980
Accruing loans contractually past due 90 days or more	81	28
Non-Performing [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total commercial loans	2,090	2,698
Total consumer loans	3,382	4,282
Total non-accrual loans	5,472	6,980
Accruing loans contractually past due 90 days or more	81	28
Total non-performing loans	5,553	7,008
Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	1,087	1,279
Accruing loans contractually past due 90 days or more
Commercial Real Estate Mortgages [Member] \| Non-Performing [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total commercial loans	1,087	1,279
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	190	292
Accruing loans contractually past due 90 days or more
Commercial And Industrial [Member] \| Non-Performing [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total commercial loans	190	292
Commercial Construction And Land Development [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	813	1,111
Accruing loans contractually past due 90 days or more
Commercial Construction And Land Development [Member] \| Non-Performing [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total commercial loans	813	1,111
Agriculture And Other Loans To Farmers [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans		16
Accruing loans contractually past due 90 days or more	81	3
Agriculture And Other Loans To Farmers [Member] \| Non-Performing [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total commercial loans		16
Residential Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	3,157	3,452
Accruing loans contractually past due 90 days or more		25
Residential Real Estate Mortgages [Member] \| Non-Performing [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total consumer loans	3,157	3,452
Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	134	820
Accruing loans contractually past due 90 days or more
Home Equity Loans [Member] \| Non-Performing [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total consumer loans	134	820
Other Consumer Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	91	10
Accruing loans contractually past due 90 days or more
Other Consumer Loans [Member] \| Non-Performing [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total consumer loans	$ 91	$ 10

XML 62 R51.htm IDEA: XBRL DOCUMENT

Loans And Allowance For Loan Losses (Summary Of Troubled Debt Restructures) (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016 USD ($) loan	Jun. 30, 2015 USD ($) loan	Jun. 30, 2016 USD ($) loan	Jun. 30, 2015 USD ($) loan
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan	1	2	5	4
Pre-Modification Outstanding Recorded Investment	$ 30	$ 795	$ 455	$ 1,285
Post-Modification Outstanding Recorded Investment	$ 30	$ 794	$ 443	$ 1,283
Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan	1		3
Pre-Modification Outstanding Recorded Investment	$ 30		$ 425
Post-Modification Outstanding Recorded Investment	$ 30		$ 418
Agriculture And Other Loans To Farmers [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan			2	1
Pre-Modification Outstanding Recorded Investment			$ 30	$ 18
Post-Modification Outstanding Recorded Investment			$ 25	$ 17
Commercial Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan	1		5	1
Pre-Modification Outstanding Recorded Investment	$ 30		$ 455	$ 18
Post-Modification Outstanding Recorded Investment	$ 30		$ 443	$ 17
Residential Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan		2		3
Pre-Modification Outstanding Recorded Investment		$ 795		$ 1,267
Post-Modification Outstanding Recorded Investment		$ 794		$ 1,266
Consumer Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan		2		3
Pre-Modification Outstanding Recorded Investment		$ 795		$ 1,267
Post-Modification Outstanding Recorded Investment		$ 794		$ 1,266

XML 63 R52.htm IDEA: XBRL DOCUMENT

Loans And Allowance For Loan Losses (Summary Of Post-Modification Balance of Troubled Debt Restructurings) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Loans And Allowance For Loan Losses [Abstract]
Extended maturity and adjusted interest rate				$ 489
Extended maturity and adjusted payment			$ 413
Adjusted payment		$ 607		607
Adjusted payment and capitalize interest		187		187
Other concessions	$ 30		30
Total	$ 30	$ 794	$ 443	$ 1,283

XML 64 R53.htm IDEA: XBRL DOCUMENT

Loans And Allowance For Loan Losses (Schedule Of Past Due Loans) (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 5,736	$ 6,276
Current	1,043,155	983,690
Total Loans	1,048,891	989,966
Non-Accrual	5,472	6,980
Greater Than 90 Days Past Due and Accruing	81	28
30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,414	1,744
60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	902	810
90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,420	3,722
Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,280	627
Current	388,753	370,375
Total Loans	390,033	371,002
Non-Accrual	1,087	1,279
Greater Than 90 Days Past Due and Accruing
Commercial Real Estate Mortgages [Member] \| 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	844	99
Commercial Real Estate Mortgages [Member] \| 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	103	287
Commercial Real Estate Mortgages [Member] \| 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	333	241
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	224	281
Current	80,525	79,630
Total Loans	80,749	79,911
Non-Accrual	190	292
Greater Than 90 Days Past Due and Accruing
Commercial And Industrial [Member] \| 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	4	9
Commercial And Industrial [Member] \| 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	30	1
Commercial And Industrial [Member] \| 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	190	271
Commercial Construction And Land Development [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	813	1,111
Current	24,654	23,815
Total Loans	25,467	24,926
Non-Accrual	813	1,111
Greater Than 90 Days Past Due and Accruing
Commercial Construction And Land Development [Member] \| 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	813	1,111
Agriculture And Other Loans To Farmers [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	94	85
Current	32,987	30,918
Total Loans	33,081	31,003
Non-Accrual		16
Greater Than 90 Days Past Due and Accruing	81	3
Agriculture And Other Loans To Farmers [Member] \| 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	13	12
Agriculture And Other Loans To Farmers [Member] \| 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		70
Agriculture And Other Loans To Farmers [Member] \| 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	81	3
Residential Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3,232	3,064
Current	443,701	403,588
Total Loans	446,933	406,652
Non-Accrual	3,157	3,452
Greater Than 90 Days Past Due and Accruing		25
Residential Real Estate Mortgages [Member] \| 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,488	1,313
Residential Real Estate Mortgages [Member] \| 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	753	452
Residential Real Estate Mortgages [Member] \| 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	991	1,299
Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	56	1,042
Current	49,274	50,488
Total Loans	49,330	51,530
Non-Accrual	134	820
Greater Than 90 Days Past Due and Accruing
Home Equity Loans [Member] \| 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	31	245
Home Equity Loans [Member] \| 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	15
Home Equity Loans [Member] \| 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	10	797
Other Consumer Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	37	66
Current	6,909	9,632
Total Loans	6,946	9,698
Non-Accrual	91	10
Greater Than 90 Days Past Due and Accruing
Other Consumer Loans [Member] \| 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	34	66
Other Consumer Loans [Member] \| 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1
Other Consumer Loans [Member] \| 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2
Tax Exempt [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	16,352	15,244
Total Loans	16,352	$ 15,244
Greater Than 90 Days Past Due and Accruing

XML 65 R54.htm IDEA: XBRL DOCUMENT

Loans And Allowance For Loan Losses (Schedule Of Impaired Loans) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015	Dec. 31, 2015
Financing Receivable, Impaired [Line Items]
Impaired loans, with no related allowance, Recorded Investment	$ 3,347		$ 3,347		$ 3,350
Impaired loans, with no related allowance, Unpaid Principal Balance	3,463		3,463		3,574
Impaired loans, with related allowance, Recorded Investment	2,088		2,088		2,389
Impaired loans, with related allowance, Unpaid Principal Balance	4,279		4,279		4,464
Impaired Financing Receivable, Recorded Investment	5,435		5,435		5,739
Impaired Financing Receivable, Unpaid Principal Balance	7,742		7,742		8,038
Impaired loans, Related Allowance	370		370		373
Impaired loans, with no related allowance, Average Recorded Investment	3,300	$ 5,743	3,251	$ 6,024
Impaired loans, with no related allowance, Interest Recorded	54	25	101	49
Impaired loans, with related allowance, Average Recorded Investment	2,088	1,373	2,175	1,372
Impaired loans, with related allowance, Interest Recorded
Impaired loans, Average Recorded Investment, Total	5,388	7,116	5,426	7,396
Impaired loans, Interest Recorded, Total	54	25	101	49
Commercial Real Estate Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans, with no related allowance, Recorded Investment	1,900		1,900		1,692
Impaired loans, with no related allowance, Unpaid Principal Balance	1,900		1,900		1,736
Impaired loans, with related allowance, Recorded Investment	536		536		531
Impaired loans, with related allowance, Unpaid Principal Balance	536		536		531
Impaired loans, Related Allowance	43		43		43
Impaired loans, with no related allowance, Average Recorded Investment	1,850	2,413	1,859	2,698
Impaired loans, with no related allowance, Interest Recorded	32	7	53	14
Impaired loans, with related allowance, Average Recorded Investment	482	955	443	955
Impaired loans, with related allowance, Interest Recorded
Commercial And Industrial [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans, with no related allowance, Recorded Investment	89		89		202
Impaired loans, with no related allowance, Unpaid Principal Balance	89		89		352
Impaired loans, with related allowance, Recorded Investment	220		220		224
Impaired loans, with related allowance, Unpaid Principal Balance	370		370		374
Impaired loans, Related Allowance	175		175		175
Impaired loans, with no related allowance, Average Recorded Investment	92	441	94	446
Impaired loans, with no related allowance, Interest Recorded	2	3	4	5
Impaired loans, with related allowance, Average Recorded Investment	221	170	222	170
Impaired loans, with related allowance, Interest Recorded
Commercial Construction And Land Development [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans, with related allowance, Recorded Investment	813		813		1,111
Impaired loans, with related allowance, Unpaid Principal Balance	2,738		2,738		3,036
Impaired loans, Related Allowance	60		60		58
Impaired loans, with no related allowance, Average Recorded Investment		1,260		1,260
Impaired loans, with no related allowance, Interest Recorded
Impaired loans, with related allowance, Average Recorded Investment	865		988
Impaired loans, with related allowance, Interest Recorded
Agriculture And Other Loans To Farmers [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans, with no related allowance, Recorded Investment	127		127		106
Impaired loans, with no related allowance, Unpaid Principal Balance	127		127		106
Impaired loans, with no related allowance, Average Recorded Investment	128	113	135	118
Impaired loans, with no related allowance, Interest Recorded	3	2	5	4
Impaired loans, with related allowance, Average Recorded Investment		54		54
Impaired loans, with related allowance, Interest Recorded
Residential Real Estate Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans, with no related allowance, Recorded Investment	1,214		1,214		1,332
Impaired loans, with no related allowance, Unpaid Principal Balance	1,330		1,330		1,362
Impaired loans, with related allowance, Recorded Investment	512		512		515
Impaired loans, with related allowance, Unpaid Principal Balance	628		628		515
Impaired loans, Related Allowance	92		92		97
Impaired loans, with no related allowance, Average Recorded Investment	1,214	1,498	1,146	1,483
Impaired loans, with no related allowance, Interest Recorded	17	13	38	25
Impaired loans, with related allowance, Average Recorded Investment	513	184	514	183
Impaired loans, with related allowance, Interest Recorded
Home Equity Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans, with no related allowance, Recorded Investment	17		17		18
Impaired loans, with no related allowance, Unpaid Principal Balance	17		17		18
Impaired loans, with no related allowance, Average Recorded Investment	16	18	17	19
Impaired loans, with no related allowance, Interest Recorded			1	1
Impaired loans, with related allowance, Interest Recorded
Other Consumer Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans, with no related allowance, Recorded Investment
Impaired loans, with no related allowance, Unpaid Principal Balance
Impaired loans, with related allowance, Recorded Investment	7		7		8
Impaired loans, with related allowance, Unpaid Principal Balance	7		7		8
Impaired loans, Related Allowance
Impaired loans, with no related allowance, Interest Recorded
Impaired loans, with related allowance, Average Recorded Investment	7	$ 10	$ 8	$ 10
Impaired loans, with related allowance, Interest Recorded

XML 66 R55.htm IDEA: XBRL DOCUMENT

Loans And Allowance For Loan Losses (Schedule Of Loans With Credit Quality Indicators) (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	$ 529,330	$ 506,842
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	497,919	474,116
Other Assets Especially Mentioned [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	12,508	10,253
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	18,888	22,472
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan
Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	15	1
Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	390,033	371,002
Commercial Real Estate Mortgages [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	364,130	345,197
Commercial Real Estate Mortgages [Member] \| Other Assets Especially Mentioned [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	10,381	7,381
Commercial Real Estate Mortgages [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	15,509	18,424
Commercial Real Estate Mortgages [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan
Commercial Real Estate Mortgages [Member] \| Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	13
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	80,749	79,911
Commercial And Industrial [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	76,628	74,771
Commercial And Industrial [Member] \| Other Assets Especially Mentioned [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	1,838	2,349
Commercial And Industrial [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	2,281	2,790
Commercial And Industrial [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan
Commercial And Industrial [Member] \| Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	2	1
Commercial Construction And Land Development [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	25,467	24,926
Commercial Construction And Land Development [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	24,654	23,460
Commercial Construction And Land Development [Member] \| Other Assets Especially Mentioned [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan		355
Commercial Construction And Land Development [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	813	1,111
Commercial Construction And Land Development [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan
Commercial Construction And Land Development [Member] \| Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan
Agriculture And Other Loans To Farmers [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	33,081	31,003
Agriculture And Other Loans To Farmers [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	32,507	30,688
Agriculture And Other Loans To Farmers [Member] \| Other Assets Especially Mentioned [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	289	168
Agriculture And Other Loans To Farmers [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	285	147
Agriculture And Other Loans To Farmers [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan
Agriculture And Other Loans To Farmers [Member] \| Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan

XML 67 R56.htm IDEA: XBRL DOCUMENT

Loans And Allowance For Loan Losses (Schedule Of Allowance For Loan Losses By Portfolio Segment) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015	Dec. 31, 2015
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	$ 9,814	$ 9,478	$ 9,439	$ 8,969	$ 8,969
Charged off	(99)	(789)	(263)	(958)	(1,619)
Recoveries	26	10	100	193	304
Provision	150	400	615	895	1,785
Ending Balance	9,891	9,099	9,891	9,099	9,439
Amount for loans individually evaluated for impairment	370	676	370	676	373
Amount for loans collectively evaluated for impairment	9,521	8,423	9,521	8,423	9,066
Loans individually evaluated for impairment	5,435	6,076	5,435	6,076	5,739
Loans collectively evaluated for impairment	1,043,456	977,045	1,043,456	977,045	984,227
Commercial Real Estate Mortgages [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	4,667	4,500	4,246	4,468	4,468
Charged off		(181)	(34)	(206)	(667)
Recoveries	7	5	13	39	98
Provision	(9)	(35)	440	(12)	347
Ending Balance	4,665	4,289	4,665	4,289	4,246
Amount for loans individually evaluated for impairment	43	419	43	419	43
Amount for loans collectively evaluated for impairment	4,622	3,870	4,622	3,870	4,203
Loans individually evaluated for impairment	2,436	2,992	2,436	2,992	2,223
Loans collectively evaluated for impairment	387,597	351,137	387,597	351,137	368,779
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	1,233	1,074	1,236	929	929
Charged off	(1)	(213)	(90)	(288)	(323)
Recoveries	3	1	4	2	36
Provision	32	285	117	504	594
Ending Balance	1,267	1,147	1,267	1,147	1,236
Amount for loans individually evaluated for impairment	175	169	175	169	175
Amount for loans collectively evaluated for impairment	1,092	978	1,092	978	1,061
Loans individually evaluated for impairment	309	469	309	469	426
Loans collectively evaluated for impairment	80,440	87,733	80,440	87,733	79,485
Commercial Construction And Land Development [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	231	107	184	145	145
Charged off
Recoveries
Provision	(36)	38	11		39
Ending Balance	195	145	195	145	184
Amount for loans individually evaluated for impairment	60		60		58
Amount for loans collectively evaluated for impairment	135	145	135	145	126
Loans individually evaluated for impairment	813	1,260	813	1,260	1,111
Loans collectively evaluated for impairment	24,654	33,160	24,654	33,160	23,815
Agriculture And Other Loans To Farmers [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	365	334	307	277	277
Charged off				(18)	(72)
Recoveries			40	12	18
Provision	18	38	36	101	84
Ending Balance	383	372	383	372	307
Amount for loans individually evaluated for impairment		47		47
Amount for loans collectively evaluated for impairment	383	325	383	325	307
Loans individually evaluated for impairment	127	166	127	166	106
Loans collectively evaluated for impairment	32,954	33,368	32,954	33,368	30,897
Residential Real Estate Mortgages [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	2,621	2,875	2,747	2,714	2,714
Charged off	(91)	(70)	(122)	(70)	(70)
Recoveries	8		28	129	129
Provision	145	(320)	30	(288)	(26)
Ending Balance	2,683	2,485	2,683	2,485	2,747
Amount for loans individually evaluated for impairment	54	40	54	40	97
Amount for loans collectively evaluated for impairment	2,629	2,445	2,629	2,445	2,650
Loans individually evaluated for impairment	1,540	1,180	1,540	1,180	1,847
Loans collectively evaluated for impairment	445,393	392,575	445,393	392,575	404,805
Consumer Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	108	145	111	94	94
Charged off	(7)	(14)	(17)	(25)	(111)
Recoveries	7	4	13	11	22
Provision	(8)	(25)	(7)	30	106
Ending Balance	100	110	100	110	111
Amount for loans individually evaluated for impairment	38		38
Amount for loans collectively evaluated for impairment	62	110	62	110	111
Loans individually evaluated for impairment	7	9	7	9	8
Loans collectively evaluated for impairment	6,939	11,132	6,939	11,132	9,690
Home Equity Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	539	367	561	271	271
Charged off		(311)		(351)	(376)
Recoveries	1		2		1
Provision	7	416	(16)	552	665
Ending Balance	547	472	547	472	561
Amount for loans individually evaluated for impairment		1		1
Amount for loans collectively evaluated for impairment	547	471	547	471	561
Loans individually evaluated for impairment	203		203		18
Loans collectively evaluated for impairment	49,127	51,794	49,127	51,794	51,512
Tax Exempt [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	50	76	47	71	71
Charged off
Recoveries
Provision	1		4	8	(24)
Ending Balance	51	79	51	79	47
Amount for loans collectively evaluated for impairment	51	79	51	79	47
Loans collectively evaluated for impairment	$ 16,352	$ 16,146	$ 16,352	$ 16,146	$ 15,244

XML 68 R57.htm IDEA: XBRL DOCUMENT

Other Real Estate Owned (Narrative) (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Other Real Estate Owned [Abstract]
Real estate loans under foreclosure	$ 2,937	$ 4,575

XML 69 R58.htm IDEA: XBRL DOCUMENT

Other Real Estate Owned (Schedule Of OREO Activity) (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015
Other Real Estate Owned [Abstract]
Balance at beginning of year	$ 256	$ 523
Additions
Disposals		(110)
Writedowns	(47)	(20)
Balance at end of period	$ 209	$ 393

XML 70 R59.htm IDEA: XBRL DOCUMENT

Other Real Estate Owned (Schedule Of OREO Portfolio By Property Type) (Details) $ in Thousands	Jun. 30, 2016 USD ($) property	Dec. 31, 2015 USD ($)	Jun. 30, 2015 USD ($) property	Dec. 31, 2014 USD ($)
OREO By Property Type [Line Items]
Number of properties \| property	3		5
Carrying value, OREO \| $	$ 209	$ 256	$ 393	$ 523
Residential [Member]
OREO By Property Type [Line Items]
Number of properties \| property	2		3
Carrying value, OREO \| $	$ 119		$ 143
Commercial Real Estate Mortgages [Member]
OREO By Property Type [Line Items]
Number of properties \| property	1		2
Carrying value, OREO \| $	$ 90		$ 250

XML 71 R60.htm IDEA: XBRL DOCUMENT

Other Real Estate Owned (Net Gains And Losses On OREO Properties) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Other Real Estate Owned [Abstract]
Net (losses) gains on OREO	$ (47)	$ 44	$ (47)	$ 44

XML 72 R61.htm IDEA: XBRL DOCUMENT

Reclassifications Out Of Accumulated Other Comprehensive Income (Summary Of Reclassifications Out Of Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net securities gains	$ 1,699	$ 587	$ 3,135	$ 1,206
Salaries and benefits	(4,799)	(4,269)	(9,816)	(8,621)
Provision for income taxes	1,804	1,515	3,600	3,146
Net income	$ 4,311	$ 3,873	8,717	7,754
Net income, net of tax			2,029	771
Reclassification Out Of Accumulated Other Comprehensive Income [Member] \| Accumulated Net Investment Gain Attributable To Parent [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net securities gains			3,135	1,206
Provision for income taxes			(1,097)	(422)
Net income			2,038	784
Reclassification Out Of Accumulated Other Comprehensive Income [Member] \| Amortization Of Prior Service Cost And Actuarial Loss For Supplemental Executive Retirement Plan [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and benefits			(14)	(19)
Provision for income taxes			5	6
Net income			$ (9)	$ (13)

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References + Details

XML 73 R62.htm IDEA: XBRL DOCUMENT

Financial Derivative Instruments (Narrative) (Details) $ in Thousands	3 Months Ended	6 Months Ended	12 Months Ended
	Jun. 30, 2016 USD ($) contract	Jun. 30, 2016 USD ($) contract	Dec. 31, 2014 USD ($)	Dec. 31, 2015 USD ($)
Derivative [Line Items]
Fair value	$ 842	$ 842		$ 2,069
Amortization amount from premiums paid	$ 3	$ 11
Interest Rate Cap [Member]
Derivative [Line Items]
Number of outstanding derivative instruments \| contract	4	4
Notional Amount	$ 90,000	$ 90,000
Premium Paid			$ 4,566
Cap interest rate			3.00%
Effective percentage interest rate, maximum			3.00%
Fair value	842	842		$ 2,069
Interest rate cash flow hedge gain (loss) to be reclassified during next 12 months	$ 134	$ 134

XML 74 R63.htm IDEA: XBRL DOCUMENT

Financial Derivative Instruments (Schedule of Notional Amounts of Outstanding Derivative Positions) (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2016	Dec. 31, 2015
Derivative [Line Items]
Unamortized Premium	$ 4,553	$ 4,564
Fair value	842	$ 2,069
Interest Rate Cap 1 [Member]
Derivative [Line Items]
Notional Amount	$ 25,000
Termination Date	Jun. 02, 2021
3-month LIBOR Strike Rate	3.00%
Premium Paid	$ 922
Unamortized Premium	915
Fair value	76
Interest Rate Cap 2 [Member]
Derivative [Line Items]
Notional Amount	$ 20,000
Termination Date	Jun. 04, 2024
3-month LIBOR Strike Rate	3.00%
Premium Paid	$ 1,470
Unamortized Premium	1,466
Fair value	284
Interest Rate Cap 3 [Member]
Derivative [Line Items]
Notional Amount	$ 20,000
Termination Date	Oct. 21, 2021
3-month LIBOR Strike Rate	3.00%
Premium Paid	$ 632
Unamortized Premium	631
Fair value	83
Interest Rate Cap 4 [Member]
Derivative [Line Items]
Notional Amount	$ 25,000
Termination Date	Oct. 21, 2024
3-month LIBOR Strike Rate	3.00%
Premium Paid	$ 1,542
Unamortized Premium	1,541
Fair value	$ 399

XML 75 R64.htm IDEA: XBRL DOCUMENT

Financial Derivative Instruments (Schedule of Interest Rate Derivatives) (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2016	Dec. 31, 2015
Financial Derivative Instruments [Abstract]
Unrealized losses on interest rate caps, Gross	$ (3,711)	$ (2,495)
Unamortized premium on interest rate caps, Gross	4,553	4,564
Total, Gross	842	2,069
Unrealized losses on interest rate caps, Net of Tax	(2,412)	(1,621)
Unamortized premium on interest rate caps, Net of Tax	2,959	2,966
Total, Net of Tax	$ 547	$ 1,345

XML 76 R65.htm IDEA: XBRL DOCUMENT

Retirement Benefit Plans (Schedule Of Components Of Net Periodic Benefit Cost) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Retirement Benefit Plans [Abstract]
Service cost	$ 18	$ 19	$ 36	$ 36
Interest cost	32	31	64	62
Actuarial loss on supplemental executive retirement plan, net of tax	7	8	14	19
Net periodic benefit cost	$ 57	$ 58	114	$ 117
Recognized expense for the foregoing plans			228
Expected contributions to forgoing plans			291
Contributions to plans			$ 150

XML 77 R66.htm IDEA: XBRL DOCUMENT

Commitments And Contingent Liabilities (Narrative) (Details)	6 Months Ended
	Jun. 30, 2016
Maximum [Member]
Standby letters of credit terms, in years	5 years

XML 78 R67.htm IDEA: XBRL DOCUMENT

Commitments And Contingent Liabilities (Schedule Of Contractual Amounts Of Commitments And Contingent Liabilities) (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Commitments To Originate Loans [Member]
Long-term Purchase Commitment [Line Items]
Contractual amount of commitment and contingent liability	$ 25,047	$ 41,529
Unused Lines Of Credit [Member]
Long-term Purchase Commitment [Line Items]
Contractual amount of commitment and contingent liability	93,974	97,283
Un-Advanced Portions Of Construction Loans [Member]
Long-term Purchase Commitment [Line Items]
Contractual amount of commitment and contingent liability	24,180	12,719
Standby Letters Of Credit [Member]
Long-term Purchase Commitment [Line Items]
Contractual amount of commitment and contingent liability	$ 385	$ 385

XML 79 R68.htm IDEA: XBRL DOCUMENT

Goodwill And Other Intangible Assets (Narrative) (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2016	Dec. 31, 2015	Sep. 30, 2012
Schedule Of Goodwill And Other Intangible Assets [Line Items]
Goodwill	$ 4,935	$ 4,935
Core deposit intangible asset, estimated life	8 years 6 months
Balance of core deposit intangibles	$ 424	$ 470
Expected amortization for 2016	92
Expected amortization for 2017	92
Expected amortization for 2018	92
Expected amortization for 2019	92
Expected amortization for 2020	92
Expected amortization for 2021	$ 8
Border Trust Company [Member]
Schedule Of Goodwill And Other Intangible Assets [Line Items]
Goodwill			$ 1,777

XML 80 R69.htm IDEA: XBRL DOCUMENT

Goodwill And Other Intangible Assets (Schedule Of Core Deposits Intangible Assets) (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Goodwill And Other Intangible Assets [Abstract]
Gross carrying amount	$ 783	$ 783
Less: accumulated amortization	359	313
Net carrying amount	$ 424	$ 470

XML 81 R70.htm IDEA: XBRL DOCUMENT

Fair Value Measurements (Narrative) (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2016	Dec. 31, 2015
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, allowance	$ 370	$ 373
Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discounts for estimated costs to dispose and other considerations	30.00%
Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discounts for estimated costs to dispose and other considerations	10.00%
Collateral Dependent Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans with carrying values	$ 2,769	1,999
Impaired loans, allowance	$ 307	$ 312

XML 82 R71.htm IDEA: XBRL DOCUMENT

Fair Value Measurements (Financial Assets And Financial Liabilities Measured At Fair Value On A Recurring Basis) (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
US Government-Sponsored Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets, at fair value on a recurring basis	$ 332,980	$ 306,993
US Government-Sponsored Enterprises [Member] \| Level 2 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets, at fair value on a recurring basis	332,980	306,993
US Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets, at fair value on a recurring basis	82,368	79,130
US Government Agencies [Member] \| Level 2 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets, at fair value on a recurring basis	82,368	79,130
Private Label [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets, at fair value on a recurring basis	1,327	3,464
Private Label [Member] \| Level 2 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets, at fair value on a recurring basis	1,327	3,464
Obligations Of States And Political Subdivisions Thereof [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets, at fair value on a recurring basis	115,915	115,382
Obligations Of States And Political Subdivisions Thereof [Member] \| Level 2 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets, at fair value on a recurring basis	115,915	115,382
Derivative Assets [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets, at fair value on a recurring basis	842	2,069
Derivative Assets [Member] \| Level 2 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets, at fair value on a recurring basis	$ 842	$ 2,069

XML 83 R72.htm IDEA: XBRL DOCUMENT

Fair Value Measurements (Financial Assets And Financial Liabilities Measured At Fair Value On A Non-Recurring Basis) (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2016	Dec. 31, 2015
Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 209	$ 256
Loss	47	27
Other Real Estate Owned [Member] \| Level 1 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Other Real Estate Owned [Member] \| Level 2 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Other Real Estate Owned [Member] \| Level 3 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	209	256
Collateral Dependent Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	2,769	1,999
Collateral Dependent Impaired Loans [Member] \| Level 1 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Collateral Dependent Impaired Loans [Member] \| Level 2 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Collateral Dependent Impaired Loans [Member] \| Level 3 Inputs [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 2,769	$ 1,999

XML 84 R73.htm IDEA: XBRL DOCUMENT

Fair Value Of Financial Instruments (Summary Of The Carrying Values And Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Financial Liabilities:
Time deposits	$ 456,858	$ 396,729
Level 1 Inputs [Member]
Financial Assets:
Cash and cash equivalents	25,867	9,720
Level 2 Inputs [Member]
Financial Assets:
Federal Home Loan Bank stock	26,713	21,479
Interest receivable	6,252	5,420
Financial Liabilities:
Deposits (with no stated maturity)	532,958	546,058
Time deposits	461,990	399,146
Borrowings	526,690	473,404
Interest payable	562	527
Level 3 Inputs [Member]
Financial Assets:
Loans, net	1,041,964	975,610
Carrying Value [Member]
Financial Assets:
Cash and cash equivalents	25,867	9,720
Federal Home Loan Bank stock	26,713	21,479
Loans, net	1,039,131	980,631
Interest receivable	6,252	5,420
Financial Liabilities:
Deposits (with no stated maturity)	532,958	546,058
Time deposits	456,858	396,729
Borrowings	525,102	474,791
Interest payable	562	527
Fair Value [Member]
Financial Assets:
Cash and cash equivalents	25,867	9,720
Federal Home Loan Bank stock	26,713	21,479
Loans, net	1,041,964	975,610
Interest receivable	6,252	5,420
Financial Liabilities:
Deposits (with no stated maturity)	532,958	546,058
Time deposits	461,990	399,146
Borrowings	526,690	473,404
Interest payable	$ 562	$ 527

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