UNITED STATES

0000743367-16-000175.txt : 20161108 0000743367-16-000175.hdr.sgml : 20161108 20161108120658 ACCESSION NUMBER: 0000743367-16-000175 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 89 CONFORMED PERIOD OF REPORT: 20160930 FILED AS OF DATE: 20161108 DATE AS OF CHANGE: 20161108 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: 161980491 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 bhb10qsept2016.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 September 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 – November 1, 2016
$2.00 Par Value	6,056,140

TABLE OF CONTENTS


		Page No.
PART I	FINANCIAL INFORMATION

Item 1.	Interim Financial Statements (unaudited):

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

	Consolidated Statements of Income for the three and nine months ended September 30, 2016 and 2015	4

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

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

	Consolidated Statements of Cash Flows for the nine months ended September 30, 2016 and 2015	7

	Notes to Consolidated Interim Financial Statements	8-39

Item 2.	Management's Discussion and Analysis of Financial Condition and Results of Operations	39-64

Item 3.	Quantitative and Qualitative Disclosures About Market Risk	64-67

Item 4.	Controls and Procedures	67


PART II	OTHER INFORMATION

Item 1.	Legal Proceedings	67

Item 1A.	Risk Factors	68

Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	68

Item 3.	Defaults Upon Senior Securities	68

Item 4.	Mine Safety Disclosures	68

Item 5.	Other Information	68

Item 6.	Exhibits	69

Signatures		69

Exhibit Index		70

Exhibits

PART I. FINANCIAL INFORMATION

Item 1. FINANCIAL STATEMENTS

BAR HARBOR BANKSHARES AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS

SEPTEMBER 30, 2016 AND DECEMBER 31, 2015

(in thousands, except share and per share data)

(unaudited)


	September 30,	December 31,
	2016	2015
Assets
Cash and cash equivalents	$ 14,571	$ 9,720
Securities available for sale, at fair value	537,287	504,969
Federal Home Loan Bank stock	23,712	21,479
Loans	1,088,243	990,070
Allowance for loan losses	(10,103)	(9,439)
Loans, net of allowance for loan losses	1,078,140	980,631
Premises and equipment, net	23,082	20,674
Goodwill	4,935	4,935
Bank owned life insurance	24,288	23,747
Other assets	11,860	13,900
TOTAL ASSETS	$1,717,875	$1,580,055

Liabilities
Deposits:
Demand and other non-interest bearing deposits	$ 115,376	$ 86,577
NOW accounts	167,653	160,394
Savings and money market deposits	320,721	299,087
Time deposits	429,775	396,729
Total deposits	1,033,525	942,787
Short-term borrowings	363,375	333,909
Long-term advances from Federal Home Loan Bank	144,120	135,882
Junior subordinated debentures	5,000	5,000
Other liabilities	7,519	8,325
TOTAL LIABILITIES	1,553,539	1,425,903

Shareholders' equity
Capital stock, par value $2.00; authorized 20,000,000 shares; issued 6,788,407 shares
at September 30, 2016 and December 31, 2015	13,577	13,577
Surplus	22,641	21,624
Retained earnings	129,602	122,260
Accumulated other comprehensive income:
Prior service cost and unamortized net actuarial losses on employee
benefit plans, net of tax of ($219) and ($249), at September 30, 2016 and
December 31, 2015, respectively	(407)	(463)
Net unrealized appreciation on securities available for sale, net of tax of $4,069 and
$2,828, at September 30, 2016 and December 31, 2015, respectively	7,556	5,251
Portion of OTTI attributable to non-credit gains, net of tax of $72 and $249, at
September 30, 2016 and December 31, 2015, respectively	134	462
Net unrealized depreciation on derivative instruments, net of tax of $ 1,331 and
$873, at September 30, 2016 and December 31, 2015, respectively	(2,472)	(1,621)
Total accumulated other comprehensive income	4,811	3,629
Less: cost of 732,600 and 778,196 shares of treasury stock at September 30, 2016 and
December 31, 2015, respectively	(6,295)	(6,938)

TOTAL SHAREHOLDERS' EQUITY	164,336	154,152

TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$1,717,875	$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 NINE MONTHS ENDED SEPTEMBER 30, 2016 AND 2015

(in thousands, except per share data)

(unaudited)


	Three Months Ended		Nine Months Ended
	September 30,		September 30,
	2016	2015	2016	2015
Interest and dividend income:
Interest and fees on loans	$10,295	$10,127	$30,627	$29,449
Interest on securities	3,596	4,008	11,401	11,502
Dividend on FHLB stock	232	191	613	380
Total interest and dividend income	14,123	14,326	42,641	41,331

Interest expense:
Deposits	1,755	1,596	4,931	4,509
Short-term borrowings	453	233	1,435	725
Long-term debt	916	801	2,558	2,517
Total interest expense	3,124	2,630	8,924	7,751

Net interest income	10,999	11,696	33,717	33,580
Provision for loan losses	139	425	754	1,320
Net interest income after provision for loan losses	10,860	11,271	32,963	32,260

Non-interest income:
Trust and other financial services	975	957	2,878	2,887
Service charges on deposit accounts	215	224	678	677
Debit card income	491	477	1,321	1,245
Securities gains	1,354	---	4,489	1,206
Other operating income	337	370	948	858
Total non-interest income	3,372	2,028	10,314	6,873

Non-interest expense:
Salaries and employee benefits	4,832	4,623	14,648	13,244
Occupancy expense	588	550	1,751	1,697
Furniture and equipment expense	568	584	1,715	1,729
Debit card expenses	127	119	364	327
FDIC insurance assessments	160	212	595	623
Other operating expense	2,475	1,732	6,405	5,134
Total non-interest expense	8,750	7,820	25,478	22,754

Income before income taxes	5,482	5,479	17,799	16,379
Income taxes	1,850	1,548	5,450	4,694

Net income	$ 3,632	$ 3,931	$12,349	$11,685

Per Common Share Data:
Basic earnings per share	$ 0.60	$ 0.66	$ 2.05	$ 1.96
Diluted earnings per share	$ 0.59	$ 0.65	$ 2.03	$ 1.93

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 NINE MONTHS ENDED SEPTEMBER 30, 2016 AND 2015

(in thousands)

(unaudited)


	Three Months Ended
	September 30,
	2016	2015

Net income	$ 3,632	$ 3,931
Other comprehensive income:
Net unrealized (depreciation) appreciation on securities available for sale, net of tax of ($1,478) and $1,739, respectively	(2,745)	3,229
Less reclassification adjustment for net gains related to securities available for sale
included in net income, net of tax of ($474) and $0, respectively	(880)	---
Net unrealized depreciation on interest rate derivatives, net of tax of ($32) and ($339), respectively	(60)	(620)
Net amortization of prior service cost and actuarial loss for supplemental executive retirement plan, net of related tax of $3 and $3, respectively	5
	5	6
Actuarial gains on supplemental executive retirement plan, net of related tax of $0 and $0, respectively	---	---
Total other comprehensive (loss) income	(3,680)	2,615
Total comprehensive (loss) income	$ (48)	$ 6,546


	Nine Months Ended
	September 30,
	2016	2015

Net income	$12,349	$11,685
Other comprehensive income:
Net unrealized appreciation on securities available for sale, net of tax of $2,636 and $439, respectively	4,895	815
Less reclassification adjustment for net gains related to securities available for sale
included in net income, net of tax of ($1,571) and ($422), respectively	(2,918)	(784)
Net unrealized depreciation on interest rate derivatives, net of tax of ($458) and ($421), respectively	(851)	(782)
Net amortization of prior service cost and actuarial loss for supplemental
executive retirement plan, net of related tax of $7 and $2, respectively	14	19
Actuarial gains on supplemental executive retirement plan, net of related tax of $23 and $0, respectively	42	---
Total other comprehensive income (loss)	1,182	(732)
Total comprehensive income	$13,531	$10,953

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 NINE MONTHS ENDED SEPTEMBER 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	---	---	11,685	---	---	11,685
Total other comprehensive income	---	---	---	(732)	---	(732)
Dividend declared:
Common stock ($0.750 per share)	---	---	(4,480)	---	---	(4,480)
Purchase of Treasury Stock (656 shares)	---	---	---	---	(24)	(24)
Stock options exercised (43,221 shares), including related tax effects	---	118	(2)	---	773	889
Recognition of stock based compensation expense	---	487	---	---	---	487
Restricted stock grants (6,040 shares)	---	(106)	---	---	106	---
Balance September 30, 2015	$13,577	$21,404	$120,352	$5,959	$(7,180)	$154,112


				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	---	---	12,349	---	---	12,349
Total other comprehensive loss	---	---	---	1,182	---	1,182
Dividend declared:
Common stock ($0.810 per share)	---	---	(4,880)	---	---	(4,880)
Purchase of Treasury Stock (15,381 shares)	---	---	---	---	(497)	(497)
Stock options exercised (38,930 shares), including related tax effects	---	395	(127)	---	780	1,048
Recognition of stock based compensation expense	---	982	---	---	---	982
Restricted and performance stock grants (22,047 shares)	---	(360)	---	---	360	---
Balance September 30, 2016	$13,577	$22,641	$129,602	$4,811	$(6,295)	$164,336

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 NINE MONTHS ENDED SEPTEMBER 30, 2016 AND 2015

(in thousands)

(unaudited)


	2016	2015
Cash flows from operating activities:
Net income	$ 12,349	$ 11,685
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization of premises and equipment	1,159	1,301
Amortization of core deposit intangible	69	69
Provision for loan losses	754	1,320
Net securities gains	(4,489)	(1,206)
Net amortization of bond premiums and discounts	2,293	1,795
Recognition of stock based compensation expense	982	487
Gains on sale of other real estate owned	---	(64)
Net income from bank owned life insurance	(540)	(434)
Net change in other assets	111	418
Net change in other liabilities	(806)	(655)
Net cash provided by operating activities	11,882	14,716

Cash flows from investing activities:
Purchases of securities available for sale	(171,702)	(136,700)
Proceeds from maturities, calls and principal paydowns of mortgage-backed securities	78,190	83,576
Proceeds from sales of securities available for sale	66,431	20,428
Purchases of Bank Owned Life Insurance	---	(15,000)
Net increase in Federal Home Loan Bank stock	(2,233)	(2,239)
Net increase in total loans originated	(2,842)	(31,047)
Purchases of loans	(95,421)	(27,556)
Proceeds from sale of other real estate owned	---	110
Capital expenditures	(3,567)	(1,568)
Net cash used in investing activities	(131,144)	(109,996)

Cash flows from financing activities:
Net increase in deposits	90,738	152,845
Net decrease in securities sold under repurchase agreements and fed funds purchased	(1,784)	(875)
Proceeds from Federal Home Loan Bank advances	53,750	17,393
Repayments of Federal Home Loan Bank advances	(14,262)	(67,932)
Purchases of Treasury Stock	(497)	(24)
Proceeds from stock option exercises, including excess tax benefits	1,048	889
Restricted and performance stock grants	---	---
Payments of dividends	(4,880)	(4,480)
Net cash provided by financing activities	124,113	97,816

Net increase in cash and cash equivalents	4,851	2,536
Cash and cash equivalents at beginning of period	9,720	9,800
Cash and cash equivalents at end of period	$ 14,571	$ 12,336

Supplemental disclosures of cash flow information:
Cash paid during the period for:
Interest	$ 8,858	$ 7,767
Income taxes	$ 5,342	$ 4,370

Schedule of noncash investing activities:
Transfers from loans to other real estate owned	$ ---	$ 425
Restricted and Performance stock grants	$ 360	$ 106

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

SEPTEMBER 30, 2016

(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 nine months ended September 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 October 25, 2016, the Company's Board of Directors declared a fourth quarter 2016 regular cash dividend of 28.0 cents per share of Company common stock, representing an increase of 2.0 cents, or 7.7%, compared with the fourth quarter of 2015. The quarterly cash dividend is payable to all Company shareholders of record as of the close of business November 14, 2016, and will be paid on December 15, 2016.

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”). In October 2016, the shareholders of the Company and LSBG approved the Merger transaction and all required regulatory approvals have been obtained. The Merger is expected to close in January 2017.

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.

Included in the Company’s third quarter and year-to-date non-interest expense were $320 and $812 in expenses related to the LSBG Merger, largely legal and other professional fees, of which $256 and $725 were not deductible for income tax purposes.

Note 4: Recent Accounting Pronouncements

ASU 2014-09, “Revenue from Contracts with Customers (Topic 606).” The ASU creates a new topic, Topic 606, to provide guidance on revenue recognition for entities that enter into contracts with customers to transfer goods or services or enter into contracts for the transfer of nonfinancial assets. The core principle of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. Additional disclosures are required to provide quantitative and qualitative information regarding the nature, amount, timing, and uncertainty of revenue and cash flows arising from contracts with customers. The new guidance is effective for annual reporting periods, and interim reporting periods within those annual periods, beginning after December 15, 2017. Early adoption is not permitted. The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements.

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, 2018, 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 de-designation 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 2016-08, “Revenue from Contracts with Customers (Topic 606): Principal versus Agent Considerations (Reporting Revenue Gross versus Net).” This ASU amends the principal-versus-agent implementation guidance and illustrations in the FASB’s new revenue standard (ASU 2014-09) and clarifies that an entity should evaluate whether it is the principal or the agent for each specified good or service promised in a contract with a customer. The ASU has the same effective date as the new revenue standard (as amended by the one-year deferral and the early adoption provisions in ASU 2015-14 delaying the effective date to fiscal years, and interim periods within those fiscal years, beginning after December 15, 2017). In addition, entities are required to adopt the ASU by using the same transition method they used to adopt the new revenue standard. The Company is currently assessing the impact ASU 2016-08 will have on its consolidated financial statements.

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

benefits should be classified along with other income tax cash flows as an operating activity rather than a financing activity, as was previously the case. ASU 2016-09 also provides that an entity can make an entity-wide accounting policy election to either estimate the number of awards that are expected to vest (current GAAP) or account for forfeitures when they occur. ASU 2016-09 changes the threshold to qualify for equity classification (rather than as a liability) to permit withholding up to the maximum statutory tax rates (rather than the minimum as was previously the case) in the applicable jurisdictions. ASU 2016-09 will be effective on January 1, 2017 and is not expected to have a significant impact on 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, 2019, 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 on loans 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 or portion of loans charged-off as uncollectible.

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

The allowance consists of allowances established for specific loans including impaired loans, and allowances on pools of loans based on historical charge-offs by loan types adjusted by qualitative factors 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 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 September 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 nine months ended September 30, 2016, and 2015:


	Three Months Ended		Nine Months Ended
	September 30,		September 30,
	2016	2015	2016	2015

Net income	$ 3,632	$ 3,931	$ 12,349	$ 11,685

Weighted average common shares outstanding
Basic	6,042,384	5,991,073	6,024,365	5,972,927
Effect of dilutive employee stock options	65,408	75,757	67,339	81,667
Diluted	6,107,792	6,066,830	6,091,704	6,054,594

Anti-dilutive options excluded from earnings per share calculation	67,884	64,763	71,690	66,960

Per Common Share Data:
Basic earnings per share	$ 0.60	$ 0.66	$ 2.05	$ 1.96
Diluted earnings per share	$ 0.59	$ 0.65	$ 2.03	$ 1.93

Note 7: Securities Available For Sale

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


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

Mortgage-backed securities:
US Government-sponsored enterprises	$326,805	$7,268	$ 734	$333,339
US Government agency	77,803	1,569	134	79,238
Private label	1,014	214	11	1,217
Obligations of states and political subdivisions thereof	119,834	4,133	474	123,493
Total	$525,456	$13,184	$1,353	$537,287


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 September 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	$ 140	$ 140
Due after one year through five years	6,510	6,637
Due after five years through ten years	16,068	16,756
Due after ten years	502,738	513,754
Total	$525,456	$537,287

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 nine months ended September 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 September 30, 2016, the Company held four private label MBS (debt securities) with a total amortized cost (i.e. carrying value) of $46 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 $134, net of tax, as included in accumulated OCI as of September 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 September 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 nine months ended September 30, 2016, and 2015.


	2016	2015

Estimated credit losses as of June 30,	$1,697	$3,180
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	---	---
Estimated credit losses as of September 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 September 30,	$1,697	$3,180

As of September 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 September 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 September 30, 2016 and December 31, 2015. All securities referenced are debt securities.


	Less than 12 months			12 months or longer			Total
	Estimated			Estimated			Estimated
September 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	$ 59,696	72	$ 503	$ 8,365	21	$ 231	$ 68,061	93	$ 734
US Government agency	11,643	17	64	4,008	14	70	15,651	31	134
Private label	185	1	3	158	6	8	343	7	11
Obligations of states and political subdivisions thereof	25,810	47	363	3,966	9	111	29,776	56	474
Total	$ 97,334	137	$ 933	$16,497	50	$ 420	$113,831	187	$1,353


	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 September 30, 2016, the total unrealized losses on these securities amounted to $734, 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 September 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 September 30, 2016.

Mortgage-backed securities issued by U.S. Government agencies: As of September 30, 2016, the total unrealized losses on these securities amounted to $134, 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 September 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 September 30, 2016.

Private label mortgage-backed securities: As of September 30, 2016, the total unrealized losses on the Bank’s private label MBS amounted to $11, compared with $11 at December 31, 2015. The Company attributes the unrealized losses at September 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 September 30, 2016.

Obligations of states of the U.S. and political subdivisions thereof: As of September 30, 2016, the total unrealized losses on the Bank’s municipal securities amounted to $474, 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 September 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 September 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 September 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 September 30, 2016.

At September 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 nine months ended September 30, 2016 and 2015.


	Proceeds
	from Sale of
	Securities
	Available	Realized	Realized
	for Sale	Gains	Losses	Net

Three months ended September 30,
2016	$21,776	$1,354	$ ---	$1,354
2015	$ ---	$ ---	$ ---	$ ---

Nine months ended September 30,
2016	$66,431	$4,489	$ ---	$4,489
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 September 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 following table summarizes the composition of the loan portfolio as of September 30, 2016, and December 31, 2015:

LOAN PORTFOLIO SUMMARY


	September 30,	December 31,
	2016	2015

Commercial real estate mortgages	$ 387,838	$371,002
Commercial and industrial	97,608	79,911
Commercial construction and land development	15,869	24,926
Agricultural and other loans to farmers	32,435	31,003
Total commercial loans	533,750	506,842

Residential real estate mortgages	484,347	408,401
Home equity loans	47,640	51,530
Other consumer loans	6,564	7,949
Total consumer loans	538,551	467,880

Tax exempt loans	16,109	15,244

Net deferred loan costs and fees	(167)	104
Total loans	1,088,243	990,070
Allowance for loan losses	(10,103)	(9,439)
Total loans net of allowance for loan losses	$1,078,140	$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 regular 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 September 30, 2016, approximately 32% 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 September 30, 2016, and December 31, 2015.

TOTAL NON-PERFORMING LOANS


	September 30,	December 31,
	2016	2015

Commercial real estate mortgages	$1,841	$1,279
Commercial and industrial loans	276	292
Commercial construction and land development	637	1,111
Agricultural and other loans to farmers	---	16
Total commercial loans	2,754	2,698

Residential real estate mortgages	3,429	3,452
Home equity loans	102	820
Other consumer loans	117	10
Total consumer loans	3,648	4,282

Total non-accrual loans	6,402	6,980
Accruing loans contractually past due 90 days or more	---	28
Total non-performing loans	$6,402	$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 nine months ended September 30, 2016 and 2015 follows:


	For the Three Months Ended			For the Nine Months Ended
	September 30, 2016			September 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	2	$936	$915	5	$1,361	$1,326
Commercial and industrial loans	2	51	51	2	51	51
Agricultural and other loans to farmers	---	---	---	2	30	24
Total commercial loans	4	987	966	9	1,442	1,401

Other consumer loans	1	$ 9	$ 9	1	$ 9	$ 9
Total consumer loans	1	9	9	1	9	9

Total	5	$996	$975	10	$1,451	$1,410


	For the Three Months Ended			For the Nine Months Ended
	September 30, 2015			September 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

Commercial real estate mortgages	3	$214	$226	3	$ 214	$ 226
Agricultural and other loans to farmers	---	---	---	1	18	16
Total commercial loans	3	214	226	4	232	242

Residential real estate mortgages	---	$ ---	$ ---	3	$1,267	$1,266
Total consumer loans	---	---	---	3	1,267	1,266

Total	3	$214	$226	7	$1,499	$1,508

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 nine months ended September 30, 2016 and 2015:


	September 30, 2016		September 30, 2015
	Three Months Ended	Nine Months Ended	Three Months Ended	Nine Months Ended

Extended maturity and adjusted interest rate	$ ---	$ ---	$118	$ 134
Extended maturity and adjusted payment	60	468	---	---
Adjusted payment	915	915	---	607
Adjusted payment and capitalized interest	---	---	---	187
Extended maturity, adjusted interest rate and adjusted payment	---	---	108	580
Other concessions	---	27	---	---
Total	$975	$1,410	$226	$1,508

As of September 30, 2016, the Bank had $4,323 of loans outstanding to 26 relationships that were classified as TDRs. These loans consisted of twelve commercial real estate loans, eight real estate secured loans, five commercial and industrial loans, four agricultural loans, and two other consumer loans. At September 30, 2016, fourteen of these TDRs totaling $1,403 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 nine months ended September 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 September 30, 2016 and December 31, 2015. Amounts shown exclude deferred loan origination fees and costs.


September 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	$ 281	$163	$ 869	$1,313	$ 386,525	$ 387,838	$1,841	$---
Commercial and industrial	43	---	190	233	97,375	97,608	276	---
Commercial construction and land development	---	---	637	637	15,232	15,869	637	---
Agricultural and other loans to farmers	---	29	---	29	32,406	32,435	---	---
Residential real estate mortgages	720	409	1,084	2,213	482,134	484,347	3,429	---
Home equity	1	---	39	40	47,600	47,640	102	---
Other consumer loans	6	3	11	20	6,544	6,564	117	---
Tax exempt	---	---	---	---	16,109	16,109	---	---
Total	$1,051	$604	$2,830	$ 4,485	$1,083,925	$1,088,410	$6,402	$---


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 September 30, 2016 and December 31, 2015 follows:


	September 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	$3,308	$3,396	$---	$1,692	$1,736	$---
Commercial and industrial	136	136		202	352	---
Commercial construction and land development	---	---	---	---	---	---
Agricultural and other loans to farmers	122	122	---	106	106	---
Residential real estate loans	1,223	1,340	---	1,332	1,362	---
Home equity loans	16	16	---	18	18	---
Other consumer	---	---	---	---	---	---
Subtotal	$4,805	$5,010	$---	$3,350	$3,574	$---

With an allowance:
Commercial real estate mortgages	$ 659	$ 659	$ 40	$ 531	$ 531	$ 43
Commercial and industrial	219	369	174	224	374	175
Commercial construction and land development	637	2,562	60	1,111	3,036	58
Agricultural and other loans to farmers	---	---	---	---	---	---
Residential real estate loans	495	495	87	515	515	97
Home equity loans	---	---	---	---	---	---
Other consumer	16	16	10	8	8	---
Subtotal	$2,026	$4,101	$371	$2,389	$4,464	$373
Total	$6,831	$9,111	$371	$5,739	$8,038	$373

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


	September 30, 2016				September 30, 2015
	Three Months Ended		Nine Months Ended		Three Months Ended		Nine 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	$2,775	$38	$2,713	$131	$2,408	$20	$3,099	$42
Commercial and industrial	138	1	141	2	231	2	334	7
Commercial construction and land development	---	---	---	---	---	---	---	---
Agricultural and other loans to farmers	124	3	131	8	123	3	155	7
Residential real estate mortgages	1,342	17	1,344	55	1,332	8	1,325	21
Home equity loans	16	---	17	1	18	---	18	1
Other consumer	---	1	---	1	---	---	---	---
Subtotal	$4,395	$60	$4,346	$198	$4,112	$33	$4,931	$78

With an allowance:
Commercial real estate mortgages	$ 533	$---	$ 551	$ ---	$ 405	$ ---	$ 405	$---
Commercial and industrial	220	---	221	---	226	---	228	---
Commercial construction and land development	809	---	928	---	1,260	---	1,260	---
Agricultural and other loans to farmers	---	---	---	---	---	---	---	---
Residential real estate mortgages	496	---	331	---	348	---	346	---
Home equity loans	---	---	---	---	---	---		---
Other consumer	16	---	17	---	10	---	10	---
Subtotal	$2,074	$---	$2,048	$ ---	$2,249	$ ---	$2,249	$---

Total	$6,469	$60	$6,394	$198	$6,361	$33	$7,180	$78

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 September 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 evaluated for credit quality after origination based on delinquency status (see past due loan aging table above).


September 30, 2016	Commercial real estate mortgages	Commercial and industrial	Commercial construction and land development	Agricultural and other loans to farmers	Total
Pass	$361,326	$93,652	$15,232	$31,882	$502,092
Other Assets Especially Mentioned	11,404	1,680	---	279	13,363
Substandard	15,108	2,274	637	274	18,293
Doubtful	---	---	---	---	---
Loss	---	2	---	---	2
Total	$387,838	$97,608	$15,869	$32,435	$533,750


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 nine months ended September 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 September 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	$ 4,665	$ 1,267	$ 195	$ 383	$ 2,683	$ 100	$ 547	$ 51	$ 9,891
Charged Off	(99)	---	---	---	(19)	(2)	---	---	(120)
Recoveries	22	151	---	5	8	4	3	---	193
Provision	321	(85)	(53)	(34)	8	16	(35)	1	139
Ending Balance	$ 4,909	$ 1,333	$ 142	$ 354	$ 2,680	$ 118	$ 515	$ 52	$ 10,103


Nine Months Ended September 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	(133)	(90)	---	---	(141)	(19)	---	---	(383)
Recoveries	35	155	---	45	36	17	5	---	293
Provision	761	32	(42)	2	38	9	(51)	5	754
Ending Balance	$ 4,909	$ 1,333	$ 142	$ 354	$ 2,680	$ 118	$ 515	$ 52	$ 10,103

of which:

Amount for loans
individually evaluated for impairment	$ 40	$ 174	$ 60	$ ---	$ 87	$ ---	$ 10	$ ---	$ 371

Amount for loans
collectively evaluated for impairment	$ 4,869	$ 1,159	$ 82	$ 354	$ 2,593	$ 118	$ 505	$ 52	$ 9,732

Loans individually
evaluated for impairment	$ 3,967	$ 355	$ 637	$ 122	$ 1,718	$ 16	$ 16	$ ---	$ 6,831

Loans collectively
evaluated for impairment	$383,871	$ 97,253	$15,232	$32,313	$482,629	$6,548	$47,624	$16,109	$1,081,579


Three Months Ended September 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	$ 4,289	$ 1,147	$ 145	$ 372	$ 2,485	$ 110	$ 472	$ 79	$ 9,099
Charged Off	(461)	(22)	---	(54)	---	(23)	(25)	---	(585)
Recoveries	58	31	---	3	---	6	---	---	98
Provision	600	(49)	(12)	28	(182)	11	34	(5)	425
Ending Balance	$ 4,486	$1,107	$ 133	$ 349	$ 2,303	$ 104	$ 481	$ 74	$ 9,037


Nine Months Ended September 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	(667)	(310)	---	(72)	(70)	(48)	(376)	---	(1,543)
Recoveries	97	33	---	15	129	17	---	---	291
Provision	588	455	(12)	129	(470)	41	586	3	1,320
Ending Balance	$ 4,486	$ 1,107	$ 133	$ 349	$ 2,303	$ 104	$ 481	$ 74	$ 9,037

of which:

Amount for loans
individually evaluated for impairment	$ 39	$ 176	$ 24	$ ---	$ 52	$ ---	$ ---	$ ---	$ 291

Amount for loans collectively
evaluated for impairment	$ 4,447	$ 931	$ 109	$ 349	$ 2,251	$ 104	$ 481	$ 74	$ 8,746

Loans individually evaluated
for impairment	$ 1,988	$ 437	$ 1,260	$ 108	$ 1,650	$ 9	$ 18	$ ---	$ 5,470

Loans collectively evaluated
for impairment	$370,529	$ 77,451	$23,894	$32,412	$389,418	$10,138	$51,272	$15,319	$970,433


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 September 30, 2016, and December 31, 2015, loans to the lodging industry amounted to approximately $123,946 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 nine months ended September 30, 2016 and 2015 are presented below:


	2016	2015

Balance at beginning of year	$256	$523
Additions	---	425
Disposals	(20)	(110)
Writedowns	(47)	(20)
Balance at end of period	$189	$818

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


	September 30, 2016		September 30, 2015
	Number of properties	Carrying value	Number of properties	Carrying value

Residential	1	$ 99	3	$143
Commercial	1	90	3	675
Total	2	$189	6	$818

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 nine months ended September 30, 2016 and 2015 as follows:



	September 30, 2016		September 30, 2015
	Three Months Ended	Nine Months Ended	Three Months Ended	Nine Months Ended

Net (losses) gains on OREO	$(6)	$(53)	$---	$44

At September 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 $2,852 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 nine months ended September 30, 2016 and 2015.


	Amount Reclassified from Accumulated Other Comprehensive Income

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


Realized gains and losses on available-for-sale securities	$ 4,489	$1,206	Net securities gains
Tax (expense) or benefit	(1,571)	(422)	Provision for income taxes
Net of tax	$ 2,918	$ 784	Net income

Amortization of prior service cost and actuarial (loss) gain for supplemental executive retirement plan	$ (21)	$ (28)	Salaries and benefits
Tax (expense) or benefit	7	9	Provision for income taxes
Net of tax	$ (14)	$ (19)	Net income

Total reclassification for the period	$ 2,904	$ 765

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 September 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 September 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 September 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	$ 910	$ 60
$20,000	06/04/24	3.00%	$1,470	$1,461	$251
$20,000	10/21/21	3.00%	$ 632	$ 630	$ 71
$25,000	10/21/24	3.00%	$1,542	$1,539	$355

At September 30, 2016, the total fair value of the interest rate cap agreements was $737, 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 nine months ended September 30, 2016, $14 and $24 of premium amortization was recorded, respectively. During the next twelve months, $194 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 September 30, 2016 and December 31, 2015 follows:


	Gross	Net of Tax
September 30, 2016
Unrealized loss on interest rate caps	$(3,803)	$(2,472)
Unamortized premium on interest rate caps	4,540	2,951
Total	$ 737	$ 479


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 current and 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 following tables summarize the net periodic benefit costs for the three and nine months ended September 30, 2016, and 2015:


	Supplemental Executive
	Retirement Plans

Three Months Ended September 30,	2016	2015

Service cost	$ 18	$ 17
Interest cost	32	32
Actuarial loss on supplemental executive retirement plan	7	---
Net periodic benefit cost	$ 57	$ 49


	Supplemental Executive
	Retirement Plans

Nine Months Ended September 30,	2016	2015

Service cost	$ 54	$ 53
Interest cost	96	94
Actuarial loss on supplemental executive retirement plan	21	19
Net periodic benefit cost	$171	$166

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 September 30, 2016, the Company had contributed $216.

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 some 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 September 30, 2016, and December 31, 2015:


	September 30,	December 31,
	2016	2015

Commitments to originate loans	$28,551	$41,529
Unused lines of credit	$94,823	$97,283
Un-advanced portions of construction loans	$19,622	$12,719
Standby letters of credit	$ 385	$ 385

As of September 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 September 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 September 30, 2016, and December 31, 2015, the balance of the core deposit intangible asset amounted to $401 and $470, respectively.


Gross carrying amount	$783	$783
Less: accumulated amortization	382	313
Net carrying amount	$401	$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 September 30, 2016, and December 31, 2015, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value:


September 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	$ ---	$333,339	$ ---	$333,339
US Government agencies	$ ---	$ 79,238	$ ---	$ 79,238
Private label	$ ---	$ 1,217	$ ---	$ 1,217
Obligations of states and political subdivisions thereof	$ ---	$123,493	$ ---	$123,493
Derivative assets	$ ---	$ 737	$ ---	$ 737

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 September 30, 2016	Level 1 Inputs	Level 2 Inputs	Level 3 Inputs	Fair Value	Loss

Other real estate owned	$ ---	$ ---	$ 189	$ 189	$53
Collateral dependent impaired loans	$ ---	$ ---	$3,284	$3,284	$---


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 $3,284 and $1,999 which had specific reserves included in the allowance of $311 and $312, at September 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 September 30, 2016 and December 31, 2015, follows:


September 30, 2016	Carrying Value	Level 1 Inputs	Level 2 Inputs	Level 3 Inputs	Total Fair Value
Financial Assets:
Cash and cash equivalents	$ 14,571	$ 14,571	$ ---	$ ---	$ 14,571
Federal Home Loan Bank stock	23,712	---	23,712	---	23,712
Loans, net	1,078,140	---	---	1,079,757	1,079,757
Interest receivable	5,287	---	5,287	---	5,287

Financial liabilities:
Deposits (with no stated maturity)	$ 603,750	$ ---	$603,750	$ ---	$ 603,750
Time deposits	429,775	---	434,022	---	434,022
Borrowings	512,495	---	513,372	---	513,372
Interest payable	593	---	593	---	593


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 nine months ended September 30, 2016 and 2015, and financial condition at September 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 third quarter of 2016 and 2015 was $1,015 and $1,029, respectively, of tax-exempt interest income from certain investment securities and loans. For the nine months ended September 30, 2016 and 2015, the amount of tax exempt income included in interest income was $3,108 and $2,821, 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 $511 and $522 in the third quarter of 2016 and 2015, respectively, and $1,574 and $1,426 for the nine months ended September 30, 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, using an effective assumed tax rate of 35%. 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 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 by the Company’s quarterly reports on Form 10-Q, including this report, and other filings with the Securities and Exchange Commission. 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 September 30, 2016, the Company reported net income of $3,632, compared with $3,931 for the third quarter of 2015, representing a decline of $299, or 7.6%. The Company’s diluted earnings per share amounted to $0.59 for the quarter representing a decline of $0.06, or 9.2%, compared with the third quarter of 2015. The Company’s annualized return on average shareholders’ equity amounted to 8.73% for the quarter, compared with 10.32% for the third quarter of 2015. The Company’s annualized return on average assets amounted to 0.86% for the quarter, compared with 0.98% for the third quarter of 2015.

For the nine months ended September 30, 2016, the Company reported net income of $12,349, compared with $11,685 for the same period in 2015, representing an increase of $664, or 5.7%. The Company’s diluted earnings per share amounted to $2.03 for the nine months ended September 30, 2016, representing an increase of $0.10, or 5.2%, compared with the same period in 2015. The Company’s annualized return on average shareholders’ equity amounted to 10.19%, compared with 10.40% the first nine months of 2015. The Company’s annualized return on average assets amounted to 1.00%, compared with 1.02% for the nine months ended September 30, 2015.

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.

As more fully enumerated in the following management discussion and analysis, the Company’s year-to-date operating results were impacted by continued pressure on its net interest margin, which declined twenty-one basis points to 2.99% compared with the nine months ended September 30, 2015. While the Company’s average earning assets increased $112,357 or 7.7% compared with the nine months ended September 30, 2015, tax-equivalent net interest income,

increased $285, or 0.8%. Led by a $3,283 increase in realized securities gains, total non-interest income increased $3,441, or 50.1%, compared with the nine months ended September 30, 2015.

Led by growth in the loan and securities portfolios, total assets ended the third quarter at $1,717,875, representing an increase of $137,820, or 8.7%, compared with December 31, 2015. Total loans ended the third quarter at $1,088,243, representing an increase of $98,173, or 9.9%, compared with December 31, 2015. The credit quality of the loan portfolio remained stable during the first nine months of 2016, highlighted by an 8.6%, decline in non-performing loans compared with December 31, 2015. Net loan charge-offs amounted to $90 for the nine months ended September 30, 2016, or annualized net charge-offs to average loans outstanding of 0.01%, compared with $1,252 and 0.17% for the same period in 2015.

Largely reflecting the seasonality of the Bank’s core deposit base, total non-maturity deposits increased $57,692, or 10.6%, compared with December 31, 2015.

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 September 30, 2016, net interest income on a tax-equivalent basis amounted to $11,510, compared with $12,218 for the third quarter of 2015, representing a decline of $708, or 5.8%. This decline was driven by the further compression in the net interest margin. The decline in the net interest margin was attributed to a twenty-seven basis point decline in the weighted average earning asset yield to 3.62%, combined with a ten basis point increase in the weighted average cost of interest bearing liabilities, largely reflecting the impact of the Fed Funds rate increase in December of 2015.

For the nine months ended September 30, 2016, net interest income on a tax-equivalent basis amounted to $35,291, compared with $35,006 for the first nine months of 2015, representing an increase of $285, or 0.8%. The increase in tax-equivalent net interest income compared with the first nine months of 2015 was attributed to average earning asset growth of $112,357, or 7.7%, which was mostly offset by the decline in the tax-equivalent net interest margin of twenty-one basis points to 2.99%. The decline in the net interest margin was attributed to a fifteen basis point decline in the weighted average earning asset yield to 3.75%, combined with a five basis point increase in the weighted average cost of interest bearing liabilities. Earning asset yields continued to be impacted by the historically low interest rates and competitive pricing pressures for quality loans.

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 nine months ended September 30, 2016, and 2015:

AVERAGE BALANCE SHEET AND

ANALYSIS OF NET INTEREST INCOME

THREE MONTHS ENDED

SEPTEMBER 30, 2016 AND 2015


		2016			2015
			Weighted			Weighted
	Average		Average	Average		Average
	Balance	Interest	Rate	Balance	Interest	Rate
Interest Earning Assets:
Loans (1,3)	$1,058,253	$10,355	3.89%	$ 990,549	$10,187	4.08%
Securities (2,3)	524,775	4,047	3.07%	498,347	4,470	3.56%
Federal Home Loan Bank stock	26,681	232	3.46%	23,593	191	3.21%

Total Earning Assets	1,609,709	14,634	3.62%	1,512,489	14,848	3.89%

Non-Interest Earning Assets:
Cash and due from banks	5,819			6,585
Allowance for loan losses	(10,095)			(9,142)
Other assets (2)	84,102			76,958
Total Assets	$1,689,535			$1,586,890



Interest Bearing Liabilities:
Deposits	$ 897,703	$ 1,755	0.78%	$ 899,980	$ 1,596	0.70%
Borrowings	514,999	1,369	1.06%	440,612	1,034	0.93%
Total Interest Bearing Liabilities	1,412,702	3,124	0.88%	1,340,592	2,630	0.78%
Rate Spread			2.74%			3.11%

Non-Interest Bearing Liabilities:
Demand and other non-interest bearing deposits	103,971			88,136
Other liabilities	7,376			6,971
Total Liabilities	1,524,049			1,435,699
Shareholders' equity	165,486			151,191
Total Liabilities and Shareholders' Equity	$1,689,535			$1,586,890
Net interest income and net interest margin (3)		11,510	2.84%		12,218	3.20%
Less: Tax Equivalent adjustment		(511)			(522)
Net Interest Income		$10,999	2.72%		$11,696	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.

AVERAGE BALANCE SHEET AND

ANALYSIS OF NET INTEREST INCOME

NINE MONTHS ENDED

SEPTEMBER 30, 2016 AND 2015


		2016			2015
			Weighted			Weighted
	Average		Average	Average		Average
	Balance	Interest	Rate	Balance	Interest	Rate
Interest Earning Assets:
Loans (1,3)	$1,033,070	$30,805	3.98%	$ 959,560	$29,633	4.13%
Securities (2,3)	518,508	12,797	3.30%	481,695	12,744	3.54%
Federal Home Loan Bank stock	25,005	613	3.27%	22,971	380	2.21%

Total Earning Assets	1,576,583	44,215	3.75%	1,464,226	42,757	3.90%

Non-Interest Earning Assets:
Cash and due from banks	5,321			4,921
Allowance for loan losses	(9,969)			(9,242)
Other assets (2)	81,079			76,040
Total Assets	$1,653,014			$1,535,945



Interest Bearing Liabilities:
Deposits	$ 874,666	$ 4,931	0.75%	$ 828,529	$ 4,509	0.73%
Borrowings	520,508	3,993	1.02%	471,274	3,242	0.92%
Total Interest Bearing Liabilities	1,395,174	8,924	0.85%	1,299,803	7,751	0.80%
Rate Spread			2.90%			3.10%

Non-Interest Bearing Liabilities:
Demand and other non-interest bearing deposits	88,652			78,933
Other liabilities	7,281			6,930
Total Liabilities	1,491,107			1,385,666
Shareholders' equity	161,907			150,279
Total Liabilities and Shareholders' Equity	$1,653,014			$1,535,945
Net interest income and net interest margin (3)		35,291	2.99%		35,006	3.20%
Less: Tax Equivalent adjustment		(1,574)			(1,426)
Net Interest Income		$33,717	2.86%		$33,580	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 September 30, 2016, the tax equivalent net interest margin amounted to 2.84%, compared with 3.20% in the third quarter of 2015, representing a decline of thirty-six basis points. The decline in the net interest margin was attributed to a twenty-seven basis point decline in the weighted average yield on earning assets, combined with a ten basis point increase in the weighted average cost of interest bearing liabilities, compared with the third quarter of 2015.

For the nine months ended September 30, 2016, the tax equivalent net interest margin amounted to 2.99%, compared with 3.20% in the first nine months of 2015, representing a decline of twenty-one basis points. The decline in the net interest margin was attributed to a fifteen 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 nine months ended September 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:	3	2	1	4	3	2	1	4
Interest Earning Assets:
Loans (1,3)	3.89%	4.03%	4.03%	4.05%	4.08%	4.08%	4.23%	4.19%
Securities (2,3)	3.07%	3.37%	3.46%	3.47%	3.56%	3.43%	3.63%	3.74%
Federal Home Loan Bank stock	3.46%	3.23%	3.11%	3.85%	3.21%	1.63%	1.74%	1.50%
Total Earning Assets	3.62%	3.80%	3.83%	3.86%	3.89%	3.83%	3.99%	4.00%


Interest Bearing Liabilities:
Deposits	0.78%	0.76%	0.72%	0.71%	0.70%	0.73%	0.75%	0.75%
Borrowings	1.06%	0.99%	1.03%	1.01%	0.93%	0.90%	0.93%	0.96%
Total Interest Bearing Liabilities	0.88%	0.85%	0.83%	0.80%	0.78%	0.80%	0.82%	0.82%

Rate Spread	2.74%	2.95%	3.00%	3.06%	3.11%	3.03%	3.17%	3.18%

Net Interest Margin (3)	2.84%	3.04%	3.09%	3.15%	3.20%	3.12%	3.27%	3.28%

Net Interest Margin without Tax Equivalent Adjustments	2.72%	2.91%	2.95%	3.01%	3.07%	2.99%	3.14%	3.15%

(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 September 30, 2016, total interest and dividend income on a tax-equivalent basis amounted to $14,634, compared with $14,848 in the third quarter of 2015, representing a decline of $214, or 1.4%. The decline in interest and dividend income was attributed to a twenty-seven basis point decline in the weighted average earning asset yield to 3.62%, as average earning assets increased $97,220, or 6.4%.

For the three months ended September 30, 2016, total tax-equivalent interest income from the securities portfolio amounted to $4,047, compared with $4,470 in the third quarter of 2015, representing a decline of $423, or 9.5%. The decline in interest income from securities was attributed to a forty-nine basis point decline in the weighted average securities yield to 3.07%, as the weighted average securities portfolio increased $26,428, or 5.3%, compared with the third quarter of 2015. The decline in the weighted average securities yield was principally attributed to the ongoing replacement of MBS cash flows and securities sold, as well as incremental securities growth in a historically low interest rate environment. During the third quarter of 2016 U.S. Treasury yields recorded all-time lows.

For the three months ended September 30, 2016, total tax-equivalent interest income from the loan portfolio amounted to $10,355, compared with $10,187 in the third quarter of 2015, representing an increase of $168, or 1.6%. The increase in interest income from loans was principally attributed to a $67,704, or 6.8% increase in the average loan portfolio, which was largely offset by a nineteen basis point decline in the weighted average loan yield to 3.89%. 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 nine months ended September 30, 2016, total interest and dividend income on a tax-equivalent basis amounted to $44,215, compared with $42,757 for the first nine months of 2015, representing an increase of $1,458, or 3.4%. The increase in interest and dividend income was principally attributed to average earning asset growth of $112,357, or 7.7%, as the weighted average earning asset yield declined fifteen basis points to 3.75%.

For the nine months ended September 30, 2016, total tax-equivalent interest income from the securities portfolio amounted to $12,797, compared with $12,744 in the first nine months of 2015, representing an increase of $53, or 0.4%. The increase in interest income from securities was principally attributed to a $36,813, or 7.6%, increase in total average securities, which was largely offset by a twenty-four basis point decline in the weighted average securities yield to 3.30%. The decline in the weighted average securities yield was principally attributed to the ongoing replacement of MBS cash flows and securities sold, as well as incremental securities growth in a still-historically low interest rate environment.

For the nine months ended September 30, 2016, total tax-equivalent interest income from the loan portfolio amounted to $30,805, compared with $29,633 in the first nine months of 2015, representing an increase of $1,172, or 4.0%. The increase in interest income from loans was principally attributed to a $73,510, or 7.7% increase in the average loan portfolio, which was partially offset by a fifteen basis point decline in the weighted average loan yield to 3.98%. 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 September 30, 2016, total interest expense amounted to $3,124, compared with $2,630 in the third quarter of 2015, representing an increase of $494, or 18.8%. The increase in interest expense was principally attributed to a $72,110 or 5.4% increase in total average interest bearing liabilities, combined with a ten basis point increase in the weighted average cost of interest bearing liabilities, compared with the third quarter of 2015.

The increase in the weighted average cost of interest bearing liabilities compared with the third quarter of 2015 was largely 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 September 30, 2016, the total weighted average cost of interest bearing liabilities amounted to 0.88%, compared with 0.78% in the third quarter of 2015. The weighted average cost of borrowed funds increased thirteen basis points to 1.06%, while the weighted average cost of interest bearing deposits increased eight basis points to 0.78%, compared with the third quarter of 2015.

For the nine months ended September 30, 2016, total interest expense amounted to $8,924, compared with $7,751 for the first nine months of 2015, representing an increase of $1,173, or 15.1%. The increase in interest expense was principally attributed to a $95,371, or 7.3% 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, compared with the first nine months of 2015.

The increase in the weighted average cost of interest bearing liabilities compared with the first nine months 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 nine months ended September 30, 2016, the total weighted average cost of interest bearing liabilities amounted to 0.85%, compared with 0.80% for the first nine months of 2015. The weighted average cost of borrowed funds increased ten basis points to 1.02%, while the weighted average cost of interest bearing deposits increased two basis points to 0.75%, compared with the first nine months 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 SEPTEMBER 30, 2016 and 2015

INCREASES (DECREASES) DUE TO:


	Average	Average	Total
	Volume	Rate	Change

Loans (1,3)	$695	$ (527)	$ 168
Securities (2,3)	237	(660)	(423)
Federal Home Loan Bank stock	25	16	41
TOTAL EARNING ASSETS	$957	$(1,171)	$(214)

Interest bearing deposits	(4)	163	159
Borrowings	175	160	335
TOTAL INTEREST BEARING LIABILITIES	$171	$ 323	$ 494

NET CHANGE IN NET INTEREST INCOME	$786	$(1,494)	$(708)

(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

NINE MONTHS ENDED SEPTEMBER 30, 2016 and 2015

INCREASES (DECREASES) DUE TO:


	Average	Average	Total
	Volume	Rate	Change

Loans (1,3)	$2,269	$(1,097)	$1,172
Securities (2,3)	968	(915)	53
Federal Home Loan Bank stock	34	199	233
TOTAL EARNING ASSETS	$3,271	$(1,813)	$1,458

Interest bearing deposits	251	171	422
Borrowings	339	412	751
TOTAL INTEREST BEARING LIABILITIES	$ 590	$ 583	$1,173

NET CHANGE IN NET INTEREST INCOME	$2,681	$(2,396)	$ 285

(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 nine months ended September 30, 2016, highlighted by a $606 or 8.6%, decline in non-performing loans to $6,402 and low levels of net loan charge-offs. Total non-performing loans expressed as a percentage of total loans ended the quarter at 0.59%, 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 157.8%, up from 134.7% at December 31, 2015. For the nine months ended September 30, 2016, total net loan charge-offs amounted to $90, or annualized net charge-offs to average loans outstanding of 0.01%, compared with $1,252 and 0.17%, respectively, for the nine months ended September 30, 2015.

For the three and nine months ended September 30, 2016, the Bank recorded provisions of $139 and $754, compared with $425 and $1,320 for the same periods in 2015, representing declines of $286 and $566, or 67.3% and 42.9%, 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 nine months ended September 30, 2016, total non-interest income amounted to $3,372 and $10,314, compared with $2,028 and $6,873 for the same periods in 2015, representing increases of $1,344 and $3,441, or 66.3% and 50.1%, 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 nine months ended September 30, 2016, trust and other financial service fees amounted to $975 and $2,878, compared with $957 and $2,887 for the same periods in 2015, representing an increase of $18 or 1.9% and a decline of $9 or 0.3%, respectively. The year-to-date decline in trust and other financial service fees largely reflected lower levels of trust and asset management fees, principally reflecting broad declines and volatility in the equity markets. Income from retail brokerage activities increased $26, or 3.8%, compared with the first nine months of 2015.

Service Charges on Deposit Accounts: Service charges on deposits are principally derived from customer overdraft fees. For the three and nine months ended September 30, 2016, income from service charges on deposit accounts amounted to $215 and $678, essentially unchanged compared with the same periods in 2015. 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 nine months ended September 30, 2016, income generated from debit card service charges and fees amounted to $491 and $1,321, compared with $477 and $1,245 for the same periods in 2015, representing increases of $14 and $76, or 2.9% and 6.1%, 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 nine months ended September 30, 2016, the Bank recorded realized securities gains of $1,354 and $4,489, compared with none and $1,206 for the same periods in 2015, representing increases of $1,354 and $3,283, respectively. During the first nine months of 2016 long term interest rates remained 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 months ended September 30, 2016, total other operating income amounted to $337, representing a decline of $33, or 8.9%, compared with the third quarter of 2015. This decline was attributed to lower levels of foreign exchange income and non-customer ATM fees, compared with the third quarter of 2015.

For the nine months ended September 30, 2016 total other operating income amounted to $948, compared with $858 for the same period in 2015, representing an increase of $90 or 10.5%. The year-to-date 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 nine months ended September 30, 2016, total non-interest expense amounted to $8,750 and $25,478, compared with $7,820 and $22,754 for the same periods in 2015, representing increases of $930 and $2,724, or 11.9% 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 nine months ended September 30, 2016, total salaries and employee benefits expense amounted to $4,832 and $14,648, compared with $4,623 and $13,244 for the same periods in 2015, representing increases of $209 and $1,404, or 4.5% and 10.6%, 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 staffing 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 nine months ended September 30, 2016, total debit card expense amounted to $127 and $364, compared with $119 and $327 for the same periods in 2015, representing increases of $8 and $37, or 6.7% and 11.3%, 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 nine months ended September 30, 2016, total other operating expenses amounted to $2,475 and $6,405, compared with $1,732 and $5,134 for the same periods in 2015, representing increases of $743 and $1,271, or 42.9% and 24.8%, respectively. Included in third quarter and year-to-date other operating expense was $320 and $812, respectively, in expenses related to the LSBG acquisition, largely legal and other professional fees, of which $256 and $725 are not deductible for income tax purposes.

Third quarter other operating expenses also included $215 in losses on the disposal of certain fixed assets in connection with the complete renovation of the Company’s Bar Harbor, Maine headquarters building, and $110 in executive search 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 nine months ended September 30, 2016, the Company’s efficiency ratios amounted to 61.5% and 59.2%, compared with 54.2% and 55.2% for the same periods in 2015, respectively.

FINANCIAL CONDITION

Total Assets

The Company’s assets principally consist of loans and securities, which at September 30, 2016 represented 63.3% and 31.3%, respectively, of total assets, compared with 62.7% and 32.0%, respectively, at December 31, 2015.

At September 30, 2016, the Company’s total assets stood at $1,717,875, compared with $1,580,055 at December 31, 2015, representing an increase of $137,820, or 8.7%.

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 September 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 September 30, 2016, total net unrealized securities gains amounted to $11,831, 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 since year end 2015.

Total Securities: At September 30, 2016, total securities amounted to $537,287, compared with $504,969 at December 31, 2015, representing an increase of $32,318, or 6.4%. The securities purchased during the first nine months of 2016 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 September 30, 2016 and December 31, 2015:


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

Mortgage-backed securities:
US Government-sponsored enterprises	$326,805	$ 7,268	$ 734	$333,339
US Government agency	77,803	1,569	134	79,238
Private label	1,014	214	11	1,217
Obligations of states and political subdivisions thereof	119,834	4,133	474	123,493
Total	$525,456	$13,184	$1,353	$537,287


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 September 30, 2016, amounted to an excess of $1,353, or 0.3% 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 September 30, 2016, unrealized losses on securities in a continuous unrealized loss position more than twelve-months amounted to $420, 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 September 30, 2016, total loans stood at $1,088,243, compared with $990,070 at December 31, 2015, representing an increase of $98,173, or 9.9%.

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


	September 30,	December 31,
	2016	2015

Commercial real estate mortgages	$ 387,838	$371,002
Commercial and industrial	97,608	79,911
Commercial construction and land development	15,869	24,926
Agricultural and other loans to farmers	32,435	31,003
Total commercial loans	533,750	506,842

Residential real estate mortgages	484,347	408,401
Home equity loans	47,640	51,530
Other consumer loans	6,564	7,949
Total consumer loans	538,551	467,880

Tax exempt loans	16,109	15,244

Net deferred loan costs and fees	(167)	104
Total loans	1,088,243	990,070
Allowance for loan losses	(10,103)	(9,439)
Total loans net of allowance for loan losses	$1,078,140	$980,631

Commercial Loans: At September 30, 2016, total commercial loans stood at $533,750, compared with $506,842 at December 31, 2015, representing an increase of $26,908, or 5.3%.

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 September 30, 2016, total consumer loans, which principally consisted of residential real estate mortgage loans, amounted to $538,551, compared with $467,880 at December 31, 2015, representing an increase of $70,671, or 15.1%. 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 nine months 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


	September 30,	December 31,
	2016	2015

Commercial real estate mortgages	$1,841	$1,279
Commercial and industrial loans	276	292
Commercial construction and land development	637	1,111
Agricultural and other loans to farmers	---	16
Total commercial loans	2,754	2,698

Residential real estate mortgages	3,429	3,452
Home equity loans	102	820
Other consumer loans	117	10
Total consumer loans	3,648	4,282

Total non-accrual loans	6,402	6,980
Accruing loans contractually past due 90 days or more	---	28
Total non-performing loans	$6,402	$7,008

Allowance for loan losses to non-performing loans	157.8%	134.7%
Non-performing loans to total loans	0.59%	0.71%
Allowance to total loans	0.93%	0.95%

At September 30, 2016, total non-performing loans amounted to $6,402, compared with $7,008 at December 31, 2015, representing a decline of $606, or 8.6%.

Non-performing commercial real estate mortgages totaled $1,841 at September 30, 2016, representing an increase of $562, or 43.9%, compared with December 31, 2015. At September 30, 2016, non-performing commercial real estate mortgages were represented by thirteen business relationships, with outstanding balances ranging from $32 to $539.

Non-performing commercial and industrial loans totaled $276 at September 30, 2016, representing a decline of $16, or 5.5%, compared with December 31, 2015. At September 30, 2016, non-performing commercial and industrial loans were represented by three business relationships, with outstanding balances ranging from $20 to $170.

Non-performing commercial construction and land development loans totaled $637 at September 30, 2016, representing a decline of $474, or 42.7%, compared with December 31, 2015. At September 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 $3,429 at September 30, 2016, representing a decline of $23, or 0.7%, compared with December 31, 2015. At September 30, 2016, non-performing residential real estate loans were represented by 42, conventional, 1-4 family mortgage loans, with outstanding balances ranging from $5 to $472.

Non-performing home equity loans totaled $102 at September 30, 2016, representing a decline of $718 or 87.6%, compared with December 31, 2015. At September 30, 2016, non-performing home equity loans were represented by six relationships with outstanding balances ranging from $9 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 September 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 $3,195 and $1,857 at September 30, 2016 and December 31, 2015, or 0.29% 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 September 30, 2016, the Bank identified 33 commercial relationships totaling $15,639 as potential problem loans, or 1.4% 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 September 30, 2016, the allowance for loan losses (the “allowance”) stood at $10,103, compared with $9,439 at December 31, 2015, representing an increase of $664, or 7.0%. 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 $3,284 as of September 30, 2016, compared with $1,999 as of December 31, 2015. The related allowances for loan losses on these loans amounted to $311 as of September 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.”

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.

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

ALLOWANCE FOR LOAN LOSSES

NINE MONTHS ENDED

SEPTEMBER 30, 2016 AND 2015


	2016	2015

Balance at beginning of period	$ 9,439	$8,969
Charge-offs:
Commercial real estate mortgages	133	667
Commercial and industrial	90	310
Commercial construction and land development	---	---
Agricultural and other loans to farmers	---	72
Residential real estate mortgages	141	70
Other consumer loans	19	48
Home equity loans	---	376
Tax exempt loans	---	---
Total charge-offs	383	1,543

Recoveries:
Commercial real estate mortgages	35	$ 97
Commercial and industrial loans	155	33
Commercial construction and land development	---	---
Agricultural and other loans to farmers	45	15
Residential real estate mortgages	36	129
Other consumer loans	17	17
Home equity loans	5	---
Tax exempt loans	---	---
Total recoveries	293	291

Net charge-offs	90	1,252
Provision charged to operations	754	1,320
Balance at end of period	$10,103	$9,037

For the nine months ended September 30, 2016, total net loan charge-offs amounted to $90, or annualized net charge-offs to average loans outstanding of 0.01%, compared with $1,252 and 0.17%, respectively, for the first nine months 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 nine months ended September 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 September 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 September 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 September 30, 2016, total BOLI amounted to $24,288, compared with $23,747 at December 31, 2015, representing an increase of $541, or 2.3%. 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 September 30, 2016, total deposits stood at $1,033,525, compared with $942,787 at December 31, 2015, representing an increase of $90,738 or 9.6%. The Bank’s non-maturity deposit accounts posted a combined increase of $57,692, or 10.6%, while total time deposits increased $33,046, or 8.3%, compared with December 31, 2015. The increase in time deposits was attributed to deposits obtained from the national market, which were utilized to help fund 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 September 30, 2016, total borrowings amounted to $512,495, compared with $474,791 at December 31, 2015, representing an increase of $37,704, or 7.9%. The increase in borrowings was utilized to help support earning asset growth.

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 September 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 September 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 September 30, 2016	Amount	Ratio	Amount	Ratio	Amount	Ratio	Amount	Ratio
Total Capital
(To Risk-Weighted Assets)
Consolidated	N/A		$169,667	17.05%	$85,818	8.625%	$104,474	10.5%
Bank	$99,407	10.0%	$171,038	17.21%	$85,739	8.625%	$104,377	10.5%

Common Equity Tier 1
(To Risk-Weighted Assets)
Consolidated	N/A		$154,350	15.51%	$50,993	5.125%	$ 69,649	7.0%
Bank	$64,615	6.5%	$155,721	15.66%	$49,946	5.125%	$ 69,545	7.0%

Tier 1 Capital
(To Risk-Weighted Assets)
Consolidated	N/A		$154,350	15.51%	$65,918	6.625%	$ 84,574	8.5%
Bank	$79,526	8.0%	$155,721	15.66%	$65,857	6.625%	$ 84,496	8.5%

Leverage Capital Ratio
Total Capital
(To Total Assets for Leverage Ratio)
Consolidated	N/A		$154,350	9.16%	$67,374	4.000%	$ 67,374	4.0%
Bank	$84,173	5.0%	$155,721	9.25%	$67,338	4.000%	$ 67,338	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 27.5 cents per share of common stock in the third quarter of 2016, representing an increase of 2.0 cents, or 7.8%, compared with the third quarter of 2015.

The Company's Board of Directors recently declared a fourth quarter 2016 regular cash dividend of 28.0 cents per share of Company common stock, representing an increase of 2.0 cents, or 7.7%, compared with the fourth quarter of 2015. The quarterly cash dividend is payable to all Company shareholders of record as of the close of business November 14, 2016, and will be paid on December 15, 2016. This represented the twenty-second 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 twenty-four month program to repurchase up to 450,000 shares of the Company’s common stock, or approximately 10.2% of the shares then outstanding. The Company’s Board of Directors authorized the continuance of this program for additional twenty-four month periods in August 2010, 2012 and 2014. On August 16, 2016, Bar Harbor Bankshares issued a press release announcing the Company’s Board of Directors has approved the continuation of the Company’s existing stock repurchase plan through August 16, 2018. No other changes were made to the plan.

Depending on market conditions and other factors, stock repurchases 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 September 30, 2016, the Company had repurchased 173,794 shares of stock under this plan, at a total cost of $3,464 and an average price of $19.94 per share. During the nine months ended September 30, 2016, the Company repurchased 15,381 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 September 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 some 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 September 30, 2016 and December 31, 2015:


	September 30, 2016	December 31, 2015

Commitments to originate loans	$ 28,551	$ 41,529
Unused lines of credit	94,823	97,283
Un-advanced portions of construction loans	19,622	12,719
Total	$142,996	$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 September 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 September 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 September 30, 2016, liquidity, as measured by the basic surplus/deficit model, was 9.7% over the 30-day horizon and 9.1% over the 90-day horizon.

At September 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 $225 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 September 30, 2016, the Bank’s available secured line of credit at the Federal Reserve Bank of Boston stood at $143,416, or 8.3% 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 September 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 0.76% 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

SEPTEMBER 30, 2016


	-100 Basis Points Parallel Yield Curve Shift	+200 Basis Points Parallel Yield Curve Shift
Year 1
Net interest income ($)	$ (388)	$ (462)
Net interest income (%)	-0.85%	-1.01%
Year 2
Net interest income ($)	$(3,926)	$(2,959)
Net interest income (%)	-8.58%	-6.46%

As more fully discussed below, the September 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 ALCO 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

There are risks inherent to our business. As of September 30, 2016, the risk factors of the Company have not changed materially from those disclosed within Part I, Item 1A, “Risk Factors” of our Annual Report as updated by our previously filed reports with the Commission in 2016. You should carefully consider the risk factors included in our Annual Report, together with all of the other information included in this Quarterly Report on Form 10-Q as well as our other publicly available filings with the Commission.

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)

July 1-31, 2016	431	$37.67	431	276,206
August 1-31, 2016	---	---	---	276,206
September 1-30, 2016	---	---	---	276,206

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

	/s/Josephine Iannelli

Date: November 8, 2016	Josephine Iannelli Executive Vice President, Chief Financial Officer & Principal Accounting Officer

Exhibit Index


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*		Employment Agreement, dated as of September 27, 2016 and effective as of October 23, 2016, between Bar Harbor Bankshares, Bar Harbor Bank & Trust, Josephine Iannelli, Chief Financial Officer of the Company (incorporated herein by reference to Exhibit 10.1 to Form 8-K filed with the Commission on September 28, 2016).

10.2*		Change in Control, Confidentiality and Noncompetition Agreement, dated as of September 28, 2016, between Bar Harbor Bankshares and Richard B. Maltz, Executive Vice President and Chief Operating Officer of the Company and the Bank (incorporated herein by reference to Exhibit 10.2 to Form 8-K filed with the Commission on September 28, 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 September 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 bhbt10qsept16ex311.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: November 8, 2016

/s/ Curtis C. Simard

Name: Curtis C. Simard

Title: President and Chief Executive Officer

EX-31 3 bhbt10qsept16ex312.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, Josephine Iannelli, 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: November 8, 2016

/s/ Josephine Iannelli

Name: Josephine Iannelli

Title: Executive Vice President and Chief Financial Officer

EX-32 4 bhbt10qsept16ex321.htm Converted by EDGARwiz

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 nine months ended September 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: November 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 bhbt10qsept16ex322.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: November 8, 2016

/s/ Josephine Iannelli

Name: Josephine Iannelli

Title:

Executive Vice President and Chief Financial Officer

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2015-12-31 0000743367 bhb:CollateralDependentImpairedLoansMember 2015-01-01 2015-12-31 0000743367 us-gaap:MinimumMember 2016-01-01 2016-09-30 0000743367 us-gaap:MaximumMember 2016-01-01 2016-09-30 0000743367 2016-01-01 2016-09-30 0000743367 2015-01-01 2015-09-30 0000743367 2016-09-30 0000743367 2015-12-31 bhb:contract xbrli:shares bhb:property bhb:loan iso4217:USD xbrli:shares bhb:security xbrli:pure iso4217:USD 462000 134000 873000 1331000 69000 69000 0.30 0.10 1999000 256000 1999000 256000 3284000 189000 3284000 189000 199 30 2 142 25 137 17 1 72 47 71 22 5 33 11 50 14 6 21 9 725000 256000 0.85 P8Y6M 327000 119000 364000 127000 1345000 479000 4566000 922000 1470000 632000 1542000 4564000 4540000 910000 1461000 630000 1539000 2966000 2951000 2.0 0.077 7 1 3 4 3 3 3 3 3 10 2 1 1 9 2 5 5 1 1 4 2 2 607000 915000 915000 187000 580000 108000 134000 118000 468000 60000 27000 0 0 8000 -64000 -2239000 -2233000 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 on loans 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 or portion of loans charged-off as uncollectible. <div> Arriving at an appropriate level of allowance involves a high degree of judgment. The determination of the adequacy of the allowance and provisioning for estimated losses is evaluated regularly based on a review of loans with particular emphasis on non-performing or other loans that management believes warrant special consideration. The ongoing evaluation process includes a formal analysis, which considers among other factors: the nature of the loan portfolios, business and economic conditions, real estate market conditions, collateral values, changes in product offerings or loan terms, loan growth, experience, ability, and depth of management, changes in underwriting and/or collection policies and procedures, changes in volumes of loan portfolios and speed of loan portfolio growth, concentrations to industries or individual borrowers, external factors including industry or regulatory changes, historical charge-off experience, delinquency trends, non-performing loan trends, the performance of individual loans in relation to contract terms, loan loss emergence periods, and estimated fair values of collateral. The allowance consists of allowances established for specific loans including impaired loans, and allowances on pools of loans based on historical charge-offs by loan types adjusted by qualitative factors to reflect current economic conditions, industry specific risks, and other observable data.</div> 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 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 September 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 0 40000 <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></tr> <tr valign="bottom"><td width="28%" 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="32%" colspan="4" align="center">September 30, 2016</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="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="29%" colspan="3" align="center">September 30, 2015</td></tr> <tr valign="bottom"><td width="28%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="center">Three</td> <td width="3%" align="center"> </td> <td width="3%" align="center"> </td> <td width="13%" align="center">Nine</td> <td width="3%" align="center"> </td> <td width="3%" align="center"> </td> <td width="13%" align="center">Three</td> <td width="3%" align="center"> </td> <td width="13%" align="center">Nine</td></tr> <tr valign="bottom"><td width="28%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="center">Months</td> <td width="3%" align="center"> </td> <td width="3%" align="center"> </td> <td width="13%" align="center">Months</td> <td width="3%" align="center"> </td> <td width="3%" align="center"> </td> <td width="13%" align="center">Months</td> <td width="3%" align="center"> </td> <td width="13%" align="center">Months</td></tr> <tr valign="bottom"><td width="28%" 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="13%" align="center">Ended</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="3%" 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;" width="3%" 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;" width="13%" align="center">Ended</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="13%" align="center">Ended</td></tr> <tr><td width="98%" colspan="11"> </td></tr> <tr valign="bottom"><td width="28%" align="left">Net (losses) gains on OREO</td> <td width="3%" align="right">$</td> <td width="13%" align="right">(6</td> <td width="3%" align="left">)</td> <td width="3%" align="right">$</td> <td width="13%" align="right">(53</td> <td width="3%" align="left">)</td> <td width="3%" align="left">$</td> <td width="13%" align="right">---</td> <td width="3%" align="right">$</td> <td width="13%" align="right">44</td></tr></table> </div> 434000 540000 2 1 8 4 7 4 2 8 5 12 6 3 3 2 1 1 17 26 6 14 P10Y P20Y P15Y P30Y P10Y 249000 219000 2828000 4069000 249000 72000 <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 style="height: 286px; width: 710px;" 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 width="38%" 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="25%" colspan="3" align="center">September 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="22%" colspan="3" align="center">September 30, 2015</td></tr> <tr valign="bottom"><td width="38%" align="left"> </td> <td width="2%" align="right"> </td> <td width="12%" align="center">Three Months</td> <td width="2%" align="center"> </td> <td width="11%" align="center">Nine Months</td> <td width="2%" align="center"> </td> <td width="10%" align="center">Three Months</td> <td width="2%" align="center"> </td> <td width="10%" align="center">Nine Months</td></tr> <tr valign="bottom"><td width="38%" 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="12%" align="center">Ended</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">Ended</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">Ended</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">Ended</td></tr> <tr><td width="89%" colspan="9"> </td></tr> <tr valign="bottom"><td width="38%" align="left">Extended maturity and adjusted interest rate</td> <td width="2%" align="right">$</td> <td width="12%" align="right">---</td> <td width="2%" align="right">$</td> <td width="11%" align="right">---</td> <td width="2%" align="right">$</td> <td width="10%" align="right">118</td> <td width="2%" align="right">$</td> <td width="10%" align="right">134</td></tr> <tr valign="bottom"><td width="38%" align="left">Extended maturity and adjusted payment</td> <td width="2%" align="right"> </td> <td width="12%" align="right">60</td> <td width="2%" align="right"> </td> <td width="11%" align="right">468</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></tr> <tr valign="bottom"><td width="38%" align="left">Adjusted payment</td> <td width="2%" align="right"> </td> <td width="12%" align="right">915</td> <td width="2%" align="right"> </td> <td width="11%" align="right">915</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">607</td></tr> <tr valign="bottom"><td width="38%" align="left">Adjusted payment and capitalized interest</td> <td width="2%" align="right"> </td> <td width="12%" align="right">---</td> <td width="2%" align="right"> </td> <td width="11%" 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">187</td></tr> <tr valign="bottom"><td width="38%" align="left">Extended maturity, adjusted interest rate</td> <td width="2%" align="right"> </td> <td width="12%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" 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></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="38%" align="left">and adjusted payment</td> <td width="2%" align="right"> </td> <td width="12%" align="right">---</td> <td width="2%" align="right"> </td> <td width="11%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">108</td> <td width="2%" align="right"> </td> <td width="10%" align="right">580</td></tr> <tr valign="bottom"><td width="38%" align="left">Other concessions</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="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">27</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></tr> <tr valign="bottom"><td width="38%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">975</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">1,410</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">226</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">1,508</td></tr></table> </div> 0.80 0.32 4 <div> <table cellspacing="0" border="0"> <tr><td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr valign="bottom"><td width="39%" align="left"> </td> <td width="2%" align="right"> </td> <td width="26%" colspan="4" align="center">Amount Reclassified from</td> <td width="2%" align="left"> </td> <td width="29%" align="left"> </td></tr> <tr valign="bottom"><td width="39%" align="left"> </td> <td width="2%" align="right"> </td> <td width="26%" colspan="4" align="center">Accumulated Other</td> <td width="2%" align="left"> </td> <td width="29%" align="left"> </td></tr> <tr valign="bottom"><td width="39%" 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="26%" colspan="4" align="center">Comprehensive Income</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td> <td width="29%" align="left"> </td></tr> <tr><td width="98%" colspan="8"> </td></tr> <tr valign="bottom"><td width="39%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" align="center">Nine Months </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="11%" align="center">Nine Months </td> <td width="2%" align="left"> </td> <td width="29%" align="left"> </td></tr> <tr valign="bottom"><td width="39%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" align="center">Ended</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="11%" align="center">Ended</td> <td width="2%" align="left"> </td> <td width="29%" align="center">Affected Line Item in the</td></tr> <tr valign="bottom"><td width="39%" align="center">Details about Accumulated</td> <td width="2%" align="right"> </td> <td width="11%" align="center">September 30, </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="11%" align="center">September 30, </td> <td width="2%" align="left"> </td> <td width="29%" align="center">Statement Where</td></tr> <tr valign="bottom"><td width="39%" align="center">Other Comprehensive Income</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="center">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="11%" align="center">2015</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td> <td width="29%" align="center">Net Income is Presented</td></tr> <tr><td width="98%" colspan="8"> </td></tr> <tr><td width="98%" colspan="8"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="39%" align="left">Realized gains and losses on</td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="29%" align="left"> </td></tr> <tr valign="bottom"><td width="39%" align="left">available-for-sale securities</td> <td width="2%" align="right">$</td> <td width="11%" align="right">4,489</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="11%" align="right">1,206</td> <td width="2%" align="left"> </td> <td width="29%" align="left">Net securities gains</td></tr> <tr valign="bottom"><td style="text-indent: 4px;" width="39%" align="left">Tax (expense) or benefit</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">(1,571</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="11%" align="right">(422</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td width="29%" align="left">Provision for income taxes</td></tr> <tr valign="bottom"><td style="text-indent: 4px;" width="39%" align="left">Net of tax</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">2,918</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="11%" align="right">784</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td> <td width="29%" align="left">Net income</td></tr> <tr><td width="98%" colspan="8"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="39%" align="left">Amortization of prior service cost</td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="29%" align="left"> </td></tr> <tr valign="bottom"><td width="39%" align="left">and actuarial (loss) gain for</td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="29%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 5px;" width="39%" align="left">supplemental executive retirement plan</td> <td width="2%" align="right"> $</td> <td width="11%" align="right">(21</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> $</td> <td width="11%" align="right">(28</td> <td width="2%" align="left">)</td> <td width="29%" align="left">Salaries and benefits</td></tr> <tr valign="bottom"><td style="text-indent: 4px;" width="39%" align="left">Tax (expense) or benefit</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">7</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="11%" align="right">9</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td> <td width="29%" align="left">Provision for income taxes</td></tr> <tr valign="bottom"><td style="text-indent: 4px;" width="39%" align="left">Net of tax</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">(14</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"> $</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">(19</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td width="29%" align="left">Net income</td></tr> <tr><td width="98%" colspan="8"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="39%" align="left">Total reclassification for the period</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">2,904</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;" width="11%" align="right">765</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td width="29%" 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 nine months ended September 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></tr> <tr valign="bottom"><td width="39%" align="left"> </td> <td width="2%" align="right"> </td> <td width="26%" colspan="4" align="center">Amount Reclassified from</td> <td width="2%" align="left"> </td> <td width="29%" align="left"> </td></tr> <tr valign="bottom"><td width="39%" align="left"> </td> <td width="2%" align="right"> </td> <td width="26%" colspan="4" align="center">Accumulated Other</td> <td width="2%" align="left"> </td> <td width="29%" align="left"> </td></tr> <tr valign="bottom"><td width="39%" 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="26%" colspan="4" align="center">Comprehensive Income</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td> <td width="29%" align="left"> </td></tr> <tr><td width="98%" colspan="8"> </td></tr> <tr valign="bottom"><td width="39%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" align="center">Nine Months </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="11%" align="center">Nine Months </td> <td width="2%" align="left"> </td> <td width="29%" align="left"> </td></tr> <tr valign="bottom"><td width="39%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" align="center">Ended</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="11%" align="center">Ended</td> <td width="2%" align="left"> </td> <td width="29%" align="center">Affected Line Item in the</td></tr> <tr valign="bottom"><td width="39%" align="center">Details about Accumulated</td> <td width="2%" align="right"> </td> <td width="11%" align="center">September 30, </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="11%" align="center">September 30, </td> <td width="2%" align="left"> </td> <td width="29%" align="center">Statement Where</td></tr> <tr valign="bottom"><td width="39%" align="center">Other Comprehensive Income</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="center">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="11%" align="center">2015</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td> <td width="29%" align="center">Net Income is Presented</td></tr> <tr><td width="98%" colspan="8"> </td></tr> <tr><td width="98%" colspan="8"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="39%" align="left">Realized gains and losses on</td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="29%" align="left"> </td></tr> <tr valign="bottom"><td width="39%" align="left">available-for-sale securities</td> <td width="2%" align="right">$</td> <td width="11%" align="right">4,489</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="11%" align="right">1,206</td> <td width="2%" align="left"> </td> <td width="29%" align="left">Net securities gains</td></tr> <tr valign="bottom"><td style="text-indent: 4px;" width="39%" align="left">Tax (expense) or benefit</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">(1,571</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">(422</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td width="29%" align="left">Provision for income taxes</td></tr> <tr valign="bottom"><td style="text-indent: 4px;" width="39%" align="left">Net of tax</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">2,918</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="11%" align="right">784</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td> <td width="29%" align="left">Net income</td></tr> <tr><td width="98%" colspan="8"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="39%" align="left">Amortization of prior service cost</td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="29%" align="left"> </td></tr> <tr valign="bottom"><td width="39%" align="left">and actuarial (loss) gain for</td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="29%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 5px;" width="39%" align="left">supplemental executive retirement plan</td> <td width="2%" align="right"> $</td> <td width="11%" align="right">(21</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> $</td> <td width="11%" align="right">(28</td> <td width="2%" align="left">)</td> <td width="29%" align="left">Salaries and benefits</td></tr> <tr valign="bottom"><td style="text-indent: 4px;" width="39%" align="left">Tax (expense) or benefit</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">7</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="11%" align="right">9</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td> <td width="29%" align="left">Provision for income taxes</td></tr> <tr valign="bottom"><td style="text-indent: 4px;" width="39%" align="left">Net of tax</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">(14</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"> $</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="right">(19</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left">)</td> <td width="29%" align="left">Net income</td></tr> <tr><td width="98%" colspan="8"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="39%" align="left">Total reclassification for the period</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">2,904</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">765</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td width="29%" align="left"> </td></tr></table></div></div></div></div></div></div></div> </div> 228000 <div> <table style="height: 131px; width: 488px;" cellspacing="0" border="0"> <tr valign="bottom"><td width="54%" align="left"> </td> <td width="3%" align="right"> </td> <td width="18%" align="center">September 30,</td> <td width="3%" align="center"> </td> <td width="18%" align="center">December 31,</td></tr> <tr valign="bottom"><td width="54%" align="left"> </td> <td width="3%" align="right"> </td> <td width="18%" align="center">2016</td> <td width="3%" align="center"> </td> <td width="18%" align="center">2015</td></tr> <tr><td width="96%" colspan="5"> </td></tr> <tr valign="bottom"><td width="54%" align="left">Commitments to originate loans</td> <td width="3%" align="right">$</td> <td width="18%" align="right">28,551</td> <td width="3%" align="right">$</td> <td width="18%" align="right">41,529</td></tr> <tr valign="bottom"><td width="54%" align="left">Unused lines of credit</td> <td width="3%" align="right">$</td> <td width="18%" align="right">94,823</td> <td width="3%" align="right">$</td> <td width="18%" align="right">97,283</td></tr> <tr valign="bottom"><td width="54%" align="left">Un-advanced portions of construction loans</td> <td width="3%" align="right">$</td> <td width="18%" align="right">19,622</td> <td width="3%" align="right">$</td> <td width="18%" align="right">12,719</td></tr> <tr valign="bottom"><td width="54%" align="left">Standby letters of credit</td> <td width="3%" align="right">$</td> <td width="18%" align="right">385</td> <td width="3%" align="right">$</td> <td width="18%" align="right">385</td></tr></table> </div> <div> <table style="height: 67px; width: 321px;" cellspacing="0" border="0"> <tr valign="bottom"><td width="57%" align="left">Gross carrying amount</td> <td width="5%" align="right">$</td> <td width="16%" align="right">783</td> <td width="5%" align="right">$</td> <td width="16%" align="right">783</td></tr> <tr valign="bottom"><td width="57%" align="left">Less: accumulated amortization</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="16%" align="right">382</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="16%" align="right">313</td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="57%" align="left">Net carrying amount</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="16%" align="right">401</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="16%" align="right">470</td></tr></table> </div> P5Y 106000 360000 7008000 6402000 1621000 2472000 false --12-31 Q3 2016 2016-09-30 10-Q 0000743367 6056140 Accelerated Filer BAR HARBOR BANKSHARES 25000000 20000000 20000000 25000000 90000000

-1795000

-2293000

5251000

7556000

-1621000

-2472000

463000

407000

3629000

4811000

21624000

22641000

487000

982000

<div> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="10%" align="left"> </td> <td width="2%" align="right"> </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">Commercial</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="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="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" align="center">Construction</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="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="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="center">Three Months Ended</td> <td width="2%" align="right"> </td> <td width="6%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" 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="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">Residential</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">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="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">September 30, 2016</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">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">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="6%" 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="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="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">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="6%" 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="6%" align="center">Total</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">Beginning Balance</td> <td width="2%" align="right">$</td> <td width="6%" align="right">4,665</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">1,267</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">195</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">383</td> <td width="2%" align="left"> </td> <td width="2%" align="left">$</td> <td width="6%" align="right">2,683</td> <td width="2%" align="left"> </td> <td width="2%" align="left">$</td> <td width="6%" align="right">100</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">547</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">51</td> <td width="2%" align="right">$</td> <td width="6%" align="right">9,891</td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">Charged Off</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(99</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="right">(19</td> <td width="2%" align="left">)</td> <td width="2%" align="left"> </td> <td width="6%" align="right">(2</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</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="6%" align="right">(120</td> <td width="2%" align="left">)</td></tr> <tr valign="bottom"><td width="10%" align="left">Recoveries</td> <td width="2%" align="right"> </td> <td width="6%" align="right">22</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">151</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">5</td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="right">8</td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="right">4</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">3</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="6%" align="right">193</td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" 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">321</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">(85</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">(53</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">(34</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="left"> </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="left"> </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="6%" 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="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="6%" 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="6%" align="right">139</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" 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">4,909</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,333</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">142</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">354</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,680</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="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">118</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">515</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">52</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">10,103</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr></table></div>   <div> <table cellspacing="0" border="0"> <tr><td width="10%"> </td> <td width="2%"> </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="6%" 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="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td width="10%" align="left"> </td> <td width="2%" align="right"> </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">Commercial</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="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="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" align="center">Construction</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="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="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="10%" align="left">Nine Months Ended</td> <td width="2%" align="right"> </td> <td width="6%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">and</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td style="text-indent: 1px;" width="6%" align="center">and land</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="6%" align="center">Residential</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">Home</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td style="text-indent: 1px;" width="6%" align="center">Tax</td> <td width="2%" align="center"> </td> <td width="6%" 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: 1px;" width="10%" align="left">September 30, 2016</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">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">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="6%" 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="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">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="6%" 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="6%" 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="10%" align="left">Beginning Balance</td> <td width="2%" align="right">$</td> <td width="6%" align="right">4,246</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">1,236</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">184</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">307</td> <td width="2%" align="left">$</td> <td width="6%" align="right">2,747</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">111</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">561</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">47</td> <td width="2%" align="left">$</td> <td width="6%" align="right">9,439</td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">Charged Off</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(133</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="6%" align="right">(141</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(19</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="6%" align="right">(383</td> <td width="2%" align="left">)</td></tr> <tr valign="bottom"><td width="10%" align="left">Recoveries</td> <td width="2%" align="right"> </td> <td width="6%" align="right">35</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">155</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">45</td> <td width="2%" align="left"> </td> <td width="6%" align="right">36</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">17</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">5</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="6%" align="right">293</td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" 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">761</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">32</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">(42</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">2</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="6%" align="right">38</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">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="6%" align="right">(51</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">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="6%" align="right">754</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" 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">4,909</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,333</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">142</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">354</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,680</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">118</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">515</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">52</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">10,103</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="96%" colspan="26"> </td></tr> <tr valign="bottom"><td width="10%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr><td width="96%" colspan="26"> </td></tr> <tr valign="bottom"><td width="10%" align="left">Amount for loans</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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">individually evaluated</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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">for impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">40</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">174</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">60</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">87</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">10</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</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="6%" align="right">371</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="96%" colspan="26"> </td></tr> <tr valign="bottom"><td width="10%" align="left">Amount for loans</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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">collectively evaluated</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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">for 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">4,869</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,159</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">82</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">354</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,593</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">118</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">505</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">52</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">9,732</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="96%" colspan="26"> </td></tr> <tr valign="bottom"><td width="10%" align="left">Loans individually</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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">evaluated for</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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="10%" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">3,967</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">355</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">637</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">122</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,718</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">16</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">16</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</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="6%" align="right">6,831</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="96%" colspan="26"> </td></tr> <tr valign="bottom"><td width="10%" align="left">Loans collectively</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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">evaluated for</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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" 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">383,871</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">97,253</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">15,232</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">32,313</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">482,629</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">6,548</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">47,624</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">16,109</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,081,579</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr></table></div>   <div> <table cellspacing="0" border="0"> <tr><td width="11%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td></tr> <tr valign="bottom"><td width="11%" align="left"> </td> <td width="2%" align="right"> </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">Commercial</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="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="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="11%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" align="center">Construction</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="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="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="11%" align="left">Three Months Ended</td> <td width="2%" align="right"> </td> <td width="6%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" 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="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">Residential</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">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="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="center">September 30, 2015</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">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">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="6%" 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="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="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">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="6%" 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="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center">Total </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="11%" align="left">Beginning Balance</td> <td width="2%" align="right">$</td> <td width="6%" align="right">4,289</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">1,147</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">145</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">372</td> <td width="2%" align="left"> </td> <td width="2%" align="left">$</td> <td width="6%" align="right">2,485</td> <td width="2%" align="left"> </td> <td width="2%" align="left">$</td> <td width="6%" align="right">110</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">472</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">79</td> <td width="2%" align="left"> </td> <td width="2%" align="left">$</td> <td width="6%" align="right">9,099</td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="11%" align="left">Charged Off</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(461</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(22</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">(54</td> <td width="2%" align="left">)</td> <td width="2%" align="left"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="right">(23</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(25</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="right">(585</td> <td width="2%" align="left">)</td></tr> <tr valign="bottom"><td width="11%" align="left">Recoveries</td> <td width="2%" align="right"> </td> <td width="6%" align="right">58</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">31</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">3</td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="right">6</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="right">98</td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="11%" 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">600</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">(49</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">(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">28</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="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">(182</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="left"> </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="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">34</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">(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="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">425</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="11%" 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">4,486</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,107</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">133</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">349</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,303</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="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">104</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">481</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">74</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">9,037</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr></table></div>   <div> </div> <div> <table cellspacing="0" border="0"> <tr><td width="9%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td></tr> <tr valign="bottom"><td width="9%" align="left"> </td> <td width="2%" align="right"> </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">Commercial</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="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="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" align="center">Construction</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="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="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">Nine Months Ended</td> <td width="2%" align="left"> </td> <td width="6%" align="center"> Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">and</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td style="text-indent: 1px;" width="6%" align="center">and land</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">Residential</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">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="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">September 30, 2015</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">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">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="6%" 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="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="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">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="6%" 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="6%" align="center">Total</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">Beginning Balance</td> <td width="2%" align="right">$</td> <td width="6%" align="right">4,468</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">929</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">145</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">277</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">2,714</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">94</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">271</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">71</td> <td width="2%" align="right">$</td> <td width="6%" align="right">8,969</td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">Charged Off</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(667</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(310</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">(72</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(70</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(48</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(376</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="6%" align="right">(1,543</td> <td width="2%" align="left">)</td></tr> <tr valign="bottom"><td width="9%" align="left">Recoveries</td> <td width="2%" align="right"> </td> <td width="6%" align="right">97</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">33</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">15</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">129</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">17</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</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="6%" align="right">291</td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" 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">588</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">455</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">(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">129</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">(470</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">41</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">586</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">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="6%" align="right">1,320</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" 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">4,486</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,107</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">133</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">349</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,303</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">104</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">481</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">74</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">9,037</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="97%" colspan="27"> </td></tr> <tr valign="bottom"><td width="9%" 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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr><td width="97%" colspan="27"> </td></tr> <tr valign="bottom"><td width="9%" align="left">Amount for loans</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">individually</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="9%" align="left">evaluated for</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="9%" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">39</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">176</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">24</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="6%" align="right">---</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">52</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" 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="6%" align="right">291</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="97%" colspan="27"> </td></tr> <tr valign="bottom"><td width="9%" align="left">Amount for loans</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="9%" align="left">collectively</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">evaluated</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">for 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">4,447</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">931</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">109</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">349</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,251</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">104</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">481</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">74</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">8,746</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="97%" colspan="27"> </td></tr> <tr valign="bottom"><td width="9%" align="left">Loans individually</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="9%" align="left">evaluated</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">for impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,988</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">437</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,260</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">108</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,650</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">9</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">18</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" 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="6%" align="right">5,470</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="97%" colspan="27"> </td></tr> <tr valign="bottom"><td width="9%" align="left">Loans collectively</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">evaluated</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">for 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">370,529</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">77,451</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">23,894</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">32,412</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">389,418</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">10,138</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">51,272</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">15,319</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">970,433</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr></table></div>   <div> <table cellspacing="0" border="0"> <tr><td width="8%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td></tr> <tr valign="bottom"><td width="8%" align="left"> </td> <td width="2%" align="right"> </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">Commercial</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="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="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="8%" align="left">Twelve Months</td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" align="center">Construction</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="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="left"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Ended</td> <td width="2%" align="right"> </td> <td width="6%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">and</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td style="text-indent: 1px;" width="6%" align="center">and land</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">Residential</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">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="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="8%" align="left">December 31, 2015</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">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">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="6%" 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="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="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">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="6%" 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; text-indent: 1px;" 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="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center">Total</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Beginning Balance</td> <td width="2%" align="right">$</td> <td width="6%" align="right">4,468</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">929</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">145</td> <td width="2%" align="right">$</td> <td width="6%" align="right">277</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">2,714</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">94</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">271</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">71</td> <td width="2%" align="right"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">8,969</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">(667</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(323</td> <td width="2%" align="left">)</td> <td width="2%" align="right">-</td> <td style="text-indent: 6px;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(72</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(70</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(111</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(376</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="6%" align="right">(1,619</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">98</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">36</td> <td width="2%" align="right"> </td> <td width="2%" align="right">-</td> <td style="text-indent: 6px;" width="6%" align="right">---</td> <td width="2%" align="right"> </td> <td width="6%" align="right">18</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">129</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">22</td> <td width="2%" align="right"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" align="right">304</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">347</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">594</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">39</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">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="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">(26</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">106</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">665</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">(24</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">1,785</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </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">4,246</td> <td style="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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,236</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">184</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">307</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,747</td> <td style="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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">111</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">561</td> <td style="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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">47</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">9,439</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="96%" colspan="27"> </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="6%" 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="6%" 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="left"> </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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr><td width="96%" colspan="27"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Amount for loans</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="6%" 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="6%" 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="left"> </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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="8%" align="left">individually</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="6%" 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="6%" 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="left"> </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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="8%" align="left">evaluated</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="6%" 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="6%" 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="left"> </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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="8%" align="left">for impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">43</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">175</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">58</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">97</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</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;" width="6%" align="right">373</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="96%" colspan="27"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Amount for loans</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="6%" 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="6%" 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="left"> </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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="8%" align="left">collectively</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="6%" 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="6%" 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="left"> </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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </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="left"> </td> <td width="2%" align="left"> </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="6%" align="left"> </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="6%" 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="left"> </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="6%" 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="left"> </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">4,203</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,061</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">126</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">307</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,650</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">111</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">561</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">47</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">9,066</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="96%" colspan="27"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Loans individually</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="6%" 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="6%" 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="left"> </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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="8%" align="left">evaluated</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="6%" 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="6%" 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="left"> </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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="8%" align="left">for impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,223</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">426</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,111</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">106</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,847</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">8</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">18</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</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;" width="6%" align="right">5,739</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="96%" colspan="27"> </td></tr> <tr valign="bottom"><td width="8%" align="left">Loans collectively</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="6%" 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="6%" 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="left"> </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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="8%" align="left">evaluated</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="6%" 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="6%" 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="left"> </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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="8%" align="left">for 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">368,779</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">79,485</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">23,815</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">30,897</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">404,805</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">9,690</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">51,512</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">15,244</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">984,227</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr></table></div> </div>

24000

14000

66960

64763

71690

67884

1580055000

1717875000

79130000

2069000

3464000

306993000

115382000

79130000

2069000

3464000

306993000

115382000

79238000

737000

1217000

333339000

123493000

79238000

737000

1217000

333339000

123493000

504969000

79130000

3464000

306993000

115382000

537287000

79238000

1217000

333339000

123493000

11831000

1269000

762000

5042000

4758000

13184000

1569000

214000

7268000

4133000

3041000

547000

11000

2155000

328000

1353000

134000

11000

734000

474000

496179000

78408000

2713000

304106000

110952000

525456000

77803000

1014000

326805000

119834000

462000

134000

1161000

221000

9000

813000

118000

420000

70000

8000

231000

111000

3041000

547000

11000

2155000

328000

1353000

134000

11000

734000

474000

186815000

31433000

413000

136416000

18553000

113831000

15651000

343000

68061000

29776000

<div> <div> <table style="height: 335px; width: 815px;" cellspacing="0" border="0"> <tr valign="bottom"><td width="18%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="25%" colspan="5" align="center">Less than 12 months</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="25%" colspan="5" align="center">12 months or longer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="25%" colspan="5" align="center">Total</td></tr> <tr valign="bottom"><td width="18%" align="left"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center">Estimated</td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center">Estimated</td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center">Estimated</td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td></tr> <tr valign="bottom"><td width="18%" align="center">September 30, 2016</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Fair</td> <td width="7%" align="center">Number of</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Unrealized</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Fair</td> <td width="7%" align="center">Number of</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Unrealized </td> <td width="2%" align="center"> </td> <td width="7%" align="center">Fair</td> <td width="7%" align="center">Number of</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Unrealized</td></tr> <tr valign="bottom"><td width="18%" 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="7%" align="center">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" 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="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="7%" 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="2%" align="center"> </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="7%" 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="18%" align="left">Description of Securities:</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr><td width="93%" colspan="16"> </td></tr> <tr valign="bottom"><td width="18%" align="left">Mortgage-backed securities:</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="18%" align="left">US Government-</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="18%" align="left">sponsored enterprises</td> <td width="2%" align="right">$</td> <td width="7%" align="right">59,696</td> <td width="7%" align="right">72</td> <td width="2%" align="right">$</td> <td width="7%" align="right">503</td> <td width="2%" align="right">$</td> <td width="7%" align="right">8,365</td> <td width="7%" align="right">21</td> <td width="2%" align="left">$</td> <td width="7%" align="right">231</td> <td width="2%" align="right">$</td> <td width="7%" align="right">68,061</td> <td width="7%" align="right">93</td> <td width="2%" align="right">$</td> <td width="7%" align="right">734</td></tr> <tr valign="bottom"><td width="18%" align="left">US Government agency</td> <td width="2%" align="right"> </td> <td width="7%" align="right">11,643</td> <td width="7%" align="right">17</td> <td width="2%" align="right"> </td> <td width="7%" align="right">64</td> <td width="2%" align="right"> </td> <td width="7%" align="right">4,008</td> <td width="7%" align="right">14</td> <td width="2%" align="left"> </td> <td width="7%" align="right">70</td> <td width="2%" align="right"> </td> <td width="7%" align="right">15,651</td> <td width="7%" align="right">31</td> <td width="2%" align="right"> </td> <td width="7%" align="right">134</td></tr> <tr valign="bottom"><td width="18%" align="left">Private label</td> <td width="2%" align="right"> </td> <td width="7%" align="right">185</td> <td width="7%" align="right">1</td> <td width="2%" align="right"> </td> <td width="7%" align="right">3</td> <td width="2%" align="right"> </td> <td width="7%" align="right">158</td> <td width="7%" align="right">6</td> <td width="2%" align="left"> </td> <td width="7%" align="right">8</td> <td width="2%" align="right"> </td> <td width="7%" align="right">343</td> <td width="7%" align="right">7</td> <td width="2%" align="right"> </td> <td width="7%" align="right">11</td></tr> <tr valign="bottom"><td width="18%" align="left">Obligations of states and</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="right"> </td> <td width="2%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="18%" align="left">political subdivisions</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="right"> </td> <td width="2%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="18%" 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">25,810</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">47</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">363</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">3,966</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" 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="7%" align="right">111</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">29,776</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">56</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">474</td></tr> <tr valign="bottom"><td width="18%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">97,334</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">137</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">933</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">16,497</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">50</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">420</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">113,831</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">187</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">1,353</td></tr></table></div>   <div> </div> <div> <table cellspacing="0" border="0"> <tr><td width="14%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="7%"> </td> <td width="7%"> </td> <td width="2%"> </td> <td width="7%"> </td></tr> <tr valign="bottom"><td width="14%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="25%" colspan="5" align="center">Less than 12 months</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="25%" colspan="5" align="center">12 months or longer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="25%" colspan="5" align="center">Total</td></tr> <tr valign="bottom"><td width="14%" align="left"> </td> <td width="2%" align="center"> </td> <td width="14%" colspan="2" align="center">Estimated</td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center">Estimated</td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center">Estimated</td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td></tr> <tr valign="bottom"><td width="14%" align="center">December 31, 2015</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Fair</td> <td width="7%" align="center">Number of</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Unrealized</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Fair</td> <td width="7%" align="center">Number of</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Unrealized</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Fair</td> <td width="7%" align="center">Number of</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Unrealized</td></tr> <tr valign="bottom"><td width="14%" 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; text-indent: 1px;" width="7%" align="center">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" 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="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="7%" 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="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="7%" 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="14%" align="left">Description of Securities:</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr><td width="89%" colspan="16"> </td></tr> <tr valign="bottom"><td width="14%" align="left">Mortgage-backed securities:</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="14%" align="left">US Government-</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="14%" align="left">sponsored enterprises</td> <td width="2%" align="right">$</td> <td width="7%" align="right">112,770</td> <td width="7%" align="right">142</td> <td width="2%" align="right">$</td> <td width="7%" align="right">1,342</td> <td width="2%" align="right">$</td> <td width="7%" align="right">23,646</td> <td width="7%" align="right">33</td> <td width="2%" align="right">$</td> <td width="7%" align="right">813</td> <td width="2%" align="right">$</td> <td width="7%" align="right">136,416</td> <td width="7%" align="right">175</td> <td width="2%" align="right">$</td> <td width="7%" align="right">2,155</td></tr> <tr valign="bottom"><td width="14%" align="left">US Government agency</td> <td width="2%" align="right"> </td> <td width="7%" align="right">20,201</td> <td width="7%" align="right">30</td> <td width="2%" align="right"> </td> <td width="7%" align="right">326</td> <td width="2%" align="right"> </td> <td width="7%" align="right">11,232</td> <td width="7%" align="right">22</td> <td width="2%" align="right"> </td> <td width="7%" align="right">221</td> <td width="2%" align="right"> </td> <td width="7%" align="right">31,433</td> <td width="7%" align="right">52</td> <td width="2%" align="right"> </td> <td width="7%" align="right">547</td></tr> <tr valign="bottom"><td width="14%" align="left">Private label</td> <td width="2%" align="right"> </td> <td width="7%" align="right">235</td> <td width="7%" align="right">2</td> <td width="2%" align="right"> </td> <td width="7%" align="right">2</td> <td width="2%" align="right"> </td> <td width="7%" align="right">178</td> <td width="7%" align="right">5</td> <td width="2%" align="right"> </td> <td width="7%" align="right">9</td> <td width="2%" align="right"> </td> <td width="7%" align="right">413</td> <td width="7%" align="right">7</td> <td width="2%" align="right"> </td> <td width="7%" align="right">11</td></tr> <tr valign="bottom"><td width="14%" align="left">Obligations of states and</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="14%" align="left">political subdivisions</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="right"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" 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="14%" 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="7%" align="right">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="2%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">3,700</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" 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="7%" 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="7%" align="right">18,553</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" 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="14%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">148,059</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">199</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</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="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">38,756</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">71</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">1,161</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">186,815</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">270</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</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

933000

64000

3000

503000

363000

148059000

20201000

235000

112770000

14853000

97334000

11643000

185000

59696000

25810000

38756000

11232000

178000

23646000

3700000

16497000

4008000

158000

8365000

3966000

16068000

16756000

6510000

6637000

502738000

513754000

140000

1206000

4489000

1354000

1206000

4489000

1354000

20428000

66431000

21776000

270

175

187

<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 September 30, 2016, and December 31, 2015: <div> <div> <div align="left"> <div align="left"> <div> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="34%" align="left">September 30, 2016</td> <td width="3%" align="right"> </td> <td width="14%" align="center"> </td> <td width="3%" align="center"> </td> <td width="13%" align="center">Gross</td> <td width="3%" align="center"> </td> <td width="13%" align="center">Gross</td> <td width="3%" align="center"> </td> <td width="13%" align="center"> </td></tr> <tr valign="bottom"><td width="34%" align="left"> </td> <td width="3%" align="right"> </td> <td style="text-indent: 1px;" width="14%" align="center">Amortized</td> <td width="3%" align="center"> </td> <td width="13%" align="center">Unrealized</td> <td width="3%" align="center"> </td> <td width="13%" align="center">Unrealized</td> <td width="3%" align="center"> </td> <td style="text-indent: 1px;" width="13%" align="center">Estimated</td></tr> <tr valign="bottom"><td width="34%" align="left">Available for Sale:</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="14%" align="center">Cost</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="13%" align="center">Gains</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="13%" 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="13%" align="center">Fair Value</td></tr> <tr><td width="99%" colspan="9"> </td></tr> <tr valign="bottom"><td width="34%" align="left">Mortgage-backed securities:</td> <td width="3%" align="right"> </td> <td width="14%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="34%" align="left">US Government-sponsored enterprises</td> <td width="3%" align="right">$</td> <td width="14%" align="right">326,805</td> <td width="3%" align="right">$</td> <td style="text-indent: 2px;" width="13%" align="right">7,268</td> <td width="3%" align="right">$</td> <td width="13%" align="right">734</td> <td width="3%" align="right">$</td> <td width="13%" align="right">333,339</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="34%" align="left">US Government agency</td> <td width="3%" align="right"> </td> <td width="14%" align="right">77,803</td> <td width="3%" align="right"> </td> <td style="text-indent: 2px;" width="13%" align="right">1,569</td> <td width="3%" align="right"> </td> <td width="13%" align="right">134</td> <td width="3%" align="right"> </td> <td width="13%" align="right">79,238</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="34%" align="left">Private label</td> <td width="3%" align="right"> </td> <td width="14%" align="right">1,014</td> <td width="3%" align="right"> </td> <td width="13%" align="right">214</td> <td width="3%" align="right"> </td> <td width="13%" align="right">11</td> <td width="3%" align="right"> </td> <td width="13%" align="right">1,217</td></tr> <tr valign="bottom"><td width="34%" align="left">Obligations of states and political</td> <td width="3%" align="right"> </td> <td width="14%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="right"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td></tr> <tr valign="bottom"><td width="34%" align="left">subdivisions thereof</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="14%" align="right">119,834</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; text-indent: 2px;" width="13%" align="right">4,133</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="13%" align="right">474</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="13%" align="right">123,493</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="34%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="right">525,456</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="right">13,184</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="right">1,353</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="right">537,287</td></tr></table></div> <div> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="34%" align="left">December 31, 2015</td> <td width="3%" align="right"> </td> <td width="14%" align="center"> </td> <td width="3%" align="center"> </td> <td width="13%" align="center">Gross</td> <td width="3%" align="center"> </td> <td width="13%" align="center">Gross</td> <td width="3%" align="center"> </td> <td width="13%" align="center"> </td></tr> <tr valign="bottom"><td width="34%" align="left"> </td> <td width="3%" align="right"> </td> <td style="text-indent: 1px;" width="14%" align="center">Amortized</td> <td width="3%" align="center"> </td> <td width="13%" align="center">Unrealized</td> <td width="3%" align="center"> </td> <td width="13%" align="center">Unrealized</td> <td width="3%" align="center"> </td> <td style="text-indent: 1px;" width="13%" align="center">Estimated</td></tr> <tr valign="bottom"><td width="34%" align="left">Available for Sale:</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="14%" align="center">Cost</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="13%" align="center">Gains</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="13%" 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="13%" align="center">Fair Value</td></tr> <tr><td width="99%" colspan="9"> </td></tr> <tr valign="bottom"><td width="34%" align="left">Mortgage-backed securities:</td> <td width="3%" align="right"> </td> <td width="14%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="34%" align="left">US Government-sponsored enterprises</td> <td width="3%" align="right">$</td> <td width="14%" align="right">304,106</td> <td width="3%" align="right">$</td> <td width="13%" align="right">5,042</td> <td width="3%" align="right">$</td> <td width="13%" align="right">2,155</td> <td width="3%" align="right">$</td> <td width="13%" align="right">306,993</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="34%" align="left">US Government agency</td> <td width="3%" align="right"> </td> <td width="14%" align="right">78,408</td> <td width="3%" align="right"> </td> <td width="13%" align="right">1,269</td> <td width="3%" align="right"> </td> <td width="13%" align="right">547</td> <td width="3%" align="right"> </td> <td width="13%" align="right">79,130</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="34%" align="left">Private label</td> <td width="3%" align="right"> </td> <td width="14%" align="right">2,713</td> <td width="3%" align="right"> </td> <td width="13%" align="right">762</td> <td width="3%" align="right"> </td> <td width="13%" align="right">11</td> <td width="3%" align="right"> </td> <td width="13%" align="right">3,464</td></tr> <tr valign="bottom"><td width="34%" align="left">Obligations of states and political</td> <td width="3%" align="right"> </td> <td width="14%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="right"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td></tr> <tr valign="bottom"><td width="34%" align="left">subdivisions thereof</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="14%" align="right">110,952</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="13%" align="right">4,758</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="13%" align="right">328</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="13%" align="right">115,382</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="34%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="right">496,179</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="right">11,831</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="right">3,041</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="right">504,969</td></tr></table></div></div></div></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 September 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> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="60%" align="left"> </td> <td width="3%" align="left"> </td> <td width="16%" align="center">Amortized</td> <td width="3%" align="center"> </td> <td width="16%" align="center">Estimated</td></tr> <tr valign="bottom"><td width="60%" align="left">Securities Available for Sale</td> <td width="3%" align="left"> </td> <td width="16%" align="center">Cost</td> <td width="3%" align="center"> </td> <td width="16%" align="center">Fair Value</td></tr> <tr><td width="98%" colspan="5"> </td></tr> <tr valign="bottom"><td width="60%" align="left">Due one year or less</td> <td width="3%" align="left">$</td> <td width="16%" align="right">140</td> <td width="3%" align="left">$</td> <td width="16%" align="right">140</td></tr> <tr valign="bottom"><td width="60%" align="left">Due after one year through five years</td> <td width="3%" align="left"> </td> <td width="16%" align="right">6,510</td> <td width="3%" align="left"> </td> <td width="16%" align="right">6,637</td></tr> <tr valign="bottom"><td width="60%" align="left">Due after five years through ten years</td> <td width="3%" align="left"> </td> <td width="16%" align="right">16,068</td> <td width="3%" align="left"> </td> <td width="16%" align="right">16,756</td></tr> <tr valign="bottom"><td width="60%" align="left">Due after ten years</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="16%" align="right">502,738</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="16%" align="right">513,754</td></tr> <tr valign="bottom"><td width="60%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="16%" align="right">525,456</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="16%" align="right">537,287</td></tr></table></div></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 nine months ended September 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 September 30, 2016, the Company held four private label MBS (debt securities) with a total amortized cost (i.e. carrying value) of $46 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 $134, net of tax, as included in accumulated OCI as of September 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 September 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 nine months ending September 30, 2016, and 2015. <div> <div> <div> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="62%" align="left"> </td> <td width="3%" align="right"> </td> <td width="14%" 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="62%" align="left">Estimated credit losses as of June 30,</td> <td width="3%" align="right">$</td> <td width="14%" align="right">1,697</td> <td width="3%" align="right">$</td> <td width="15%" align="right">3,180</td></tr> <tr valign="bottom"><td width="62%" align="left">Additions for credit losses for securities on which</td> <td width="3%" align="right"> </td> <td width="14%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="62%" align="left">OTTI has been previously recognized</td> <td width="3%" align="right"> </td> <td width="14%" align="right">---</td> <td width="3%" align="right"> </td> <td width="15%" align="right">---</td></tr> <tr valign="bottom"><td width="62%" align="left">Additions for credit losses for securities on which</td> <td width="3%" align="right"> </td> <td width="14%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 4px;" width="62%" align="left">OTTI has not been previously recognized</td> <td width="3%" align="right"> </td> <td width="14%" align="right">---</td> <td width="3%" align="right"> </td> <td width="15%" align="right">---</td></tr> <tr valign="bottom"><td width="62%" align="left">Reductions for securities sold or paid off during the period</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="right">---</td></tr> <tr valign="bottom"><td width="62%" align="left">Estimated credit losses as of September 30,</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="right">1,697</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="15%" align="right">3,180</td></tr> <tr><td width="97%" colspan="5"> </td></tr> <tr valign="bottom"><td width="62%" align="left">Estimated credit losses as of prior year-end,</td> <td width="3%" align="right">$</td> <td width="14%" align="right">3,180</td> <td width="3%" align="right">$</td> <td width="15%" align="right">3,413</td></tr> <tr valign="bottom"><td width="62%" align="left">Additions for credit losses for securities on which</td> <td width="3%" align="right"> </td> <td width="14%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 4px;" width="62%" align="left">OTTI has been previously recognized</td> <td width="3%" align="right"> </td> <td width="14%" align="right">---</td> <td width="3%" align="right"> </td> <td width="15%" align="right">---</td></tr> <tr valign="bottom"><td width="62%" align="left">Additions for credit losses for securities on which</td> <td width="3%" align="right"> </td> <td width="14%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 4px;" width="62%" align="left">OTTI has not been previously recognized</td> <td width="3%" align="right"> </td> <td width="14%" align="right">---</td> <td width="3%" align="right"> </td> <td width="15%" align="right">---</td></tr> <tr valign="bottom"><td width="62%" align="left">Reductions for securities sold or paid off during the period</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="14%" align="right">1,483</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="right">233</td></tr> <tr valign="bottom"><td width="62%" align="left">Estimated credit losses as of September 30,</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="right">1,697</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">3,180</td></tr></table></div></div> <div> </div> </div></div> </div> <div> <div align="left">As of September 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 September 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 September 30, 2016 and December 31, 2015. All securities referenced are debt securities. <div align="left"> <div> <div> <table style="height: 327px; width: 851px;" 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="18%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="25%" colspan="5" align="center">Less than 12 months</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="25%" colspan="5" align="center">12 months or longer</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="25%" colspan="5" align="center">Total</td></tr> <tr valign="bottom"><td width="18%" align="left"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center">Estimated</td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center">Estimated</td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center">Estimated</td> <td width="7%" align="center"> </td> <td width="2%" align="center"> </td> <td width="7%" align="center"> </td></tr> <tr valign="bottom"><td width="18%" align="center">September 30, 2016</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Fair</td> <td width="7%" align="center">Number of</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Unrealized</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Fair</td> <td width="7%" align="center">Number of</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Unrealized </td> <td width="2%" align="center"> </td> <td width="7%" align="center">Fair</td> <td width="7%" align="center">Number of</td> <td width="2%" align="center"> </td> <td width="7%" align="center">Unrealized</td></tr> <tr valign="bottom"><td width="18%" 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="7%" align="center">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" 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="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="7%" 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="2%" align="center"> </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="7%" 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="18%" align="left">Description of Securities:</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr><td width="93%" colspan="16"> </td></tr> <tr valign="bottom"><td width="18%" align="left">Mortgage-backed securities:</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="18%" align="left">US Government-</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td width="18%" align="left">sponsored enterprises</td> <td width="2%" align="right">$</td> <td width="7%" align="right">59,696</td> <td width="7%" align="right">72</td> <td width="2%" align="right">$</td> <td width="7%" align="right">503</td> <td width="2%" align="right">$</td> <td width="7%" align="right">8,365</td> <td width="7%" align="right">21</td> <td width="2%" align="left">$</td> <td width="7%" align="right">231</td> <td width="2%" align="right">$</td> <td width="7%" align="right">68,061</td> <td width="7%" align="right">93</td> <td width="2%" align="right">$</td> <td width="7%" align="right">734</td></tr> <tr valign="bottom"><td width="18%" align="left">US Government agency</td> <td width="2%" align="right"> </td> <td width="7%" align="right">11,643</td> <td width="7%" align="right">17</td> <td width="2%" align="right"> </td> <td width="7%" align="right">64</td> <td width="2%" align="right"> </td> <td width="7%" align="right">4,008</td> <td width="7%" align="right">14</td> <td width="2%" align="left"> </td> <td width="7%" align="right">70</td> <td width="2%" align="right"> </td> <td width="7%" align="right">15,651</td> <td width="7%" align="right">31</td> <td width="2%" align="right"> </td> <td width="7%" align="right">134</td></tr> <tr valign="bottom"><td width="18%" align="left">Private label</td> <td width="2%" align="right"> </td> <td width="7%" align="right">185</td> <td width="7%" align="right">1</td> <td width="2%" align="right"> </td> <td width="7%" align="right">3</td> <td width="2%" align="right"> </td> <td width="7%" align="right">158</td> <td width="7%" align="right">6</td> <td width="2%" align="left"> </td> <td width="7%" align="right">8</td> <td width="2%" align="right"> </td> <td width="7%" align="right">343</td> <td width="7%" align="right">7</td> <td width="2%" align="right"> </td> <td width="7%" align="right">11</td></tr> <tr valign="bottom"><td width="18%" align="left">Obligations of states and</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="right"> </td> <td width="2%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="18%" align="left">political subdivisions</td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="right"> </td> <td width="2%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td> <td width="7%" align="left"> </td> <td width="2%" align="right"> </td> <td width="7%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="18%" 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">25,810</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">47</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">363</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">3,966</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" 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="7%" align="right">111</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">29,776</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="7%" align="right">56</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">474</td></tr> <tr valign="bottom"><td width="18%" 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">97,334</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">137</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">933</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">16,497</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">50</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">420</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">113,831</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="7%" align="right">187</td> <td style="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">1,353</td></tr></table></div></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 September 30, 2016, the total unrealized losses on these securities amounted to $734, 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 September 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 September 30, 2016. </li></ul></div> <ul> <li>Mortgage-backed securities issued by U.S. Government agencies: As of September 30, 2016, the total unrealized losses on these securities amounted to $134, 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 September 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 September 30, 2016.   </li> <li>Private label mortgage-backed securities: As of September 30, 2016, the total unrealized losses on the Bank's private label MBS amounted to $11, compared with $11 at December 31, 2015. The Company attributes the unrealized losses at September 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 September 30, 2016.   </li> <li>Obligations of states of the U.S. and political subdivisions thereof: As of September 30, 2016, the total unrealized losses on the Bank's municipal securities amounted to $474, 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 September 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 September 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 September 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 September 30, 2016.</li></ul> <div> At September 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 nine months ended September 30, 2016 and 2015. </div> <div>  </div> <div> <div align="left"> <div> <div> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="44%" align="left"> </td> <td width="2%" align="left"> </td> <td width="13%" align="center">Proceeds</td> <td width="2%" align="center"> </td> <td width="13%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td></tr> <tr valign="bottom"><td width="44%" align="left"> </td> <td width="2%" align="left"> </td> <td width="13%" align="center">from Sale of</td> <td width="2%" align="center"> </td> <td width="13%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td></tr> <tr valign="bottom"><td width="44%" align="left"> </td> <td width="2%" align="left"> </td> <td width="13%" align="center">Securities</td> <td width="2%" align="center"> </td> <td width="13%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td></tr> <tr valign="bottom"><td width="44%" align="left"> </td> <td width="2%" align="left"> </td> <td width="13%" align="center">Available</td> <td width="2%" align="center"> </td> <td width="13%" align="center">Realized</td> <td width="2%" align="center"> </td> <td width="10%" align="center">Realized</td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td></tr> <tr valign="bottom"><td width="44%" align="left"> </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="13%" align="center">for Sale</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">Gains</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">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; text-indent: 1px;" width="10%" align="center">Net</td></tr> <tr><td width="98%" colspan="9"> </td></tr> <tr valign="bottom"><td width="44%" align="left">Three months ended September 30,</td> <td width="2%" align="left"> </td> <td width="13%" align="left"> </td> <td width="2%" align="right"> </td> <td width="13%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td></tr> <tr valign="bottom"><td width="44%" align="center">2016</td> <td style="text-indent: 2px;" width="2%" align="left">$</td> <td width="13%" align="right">21,776</td> <td width="2%" align="right">$</td> <td width="13%" align="right">1,354</td> <td width="2%" align="center">$</td> <td width="10%" align="right"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="10%" align="right">1,354</td></tr> <tr valign="bottom"><td width="44%" align="center">2015</td> <td style="text-indent: 2px;" width="2%" align="left">$</td> <td width="13%" align="right">---</td> <td width="2%" align="right">$</td> <td width="13%" align="right">---</td> <td width="2%" align="center">$</td> <td width="10%" align="right"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="10%" align="right">---</td></tr> <tr><td width="98%" colspan="9"> </td></tr> <tr valign="bottom"><td width="44%" align="left">Nine months ended September 30,</td> <td width="2%" align="left"> </td> <td width="13%" align="left"> </td> <td width="2%" align="right"> </td> <td width="13%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td></tr> <tr valign="bottom"><td width="44%" align="center">2016</td> <td style="text-indent: 2px;" width="2%" align="left">$</td> <td width="13%" align="right">66,431</td> <td width="2%" align="right">$</td> <td width="13%" align="right">4,489</td> <td width="2%" align="center">$</td> <td width="10%" align="right"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="10%" align="right">4,489</td></tr> <tr valign="bottom"><td width="44%" align="center">2015</td> <td style="text-indent: 2px;" width="2%" align="left">$</td> <td width="13%" align="right">20,428</td> <td width="2%" align="right">$</td> <td width="13%" align="right">1,206</td> <td width="2%" align="center">$</td> <td width="10%" align="right"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="10%" align="right">1,206</td></tr></table></div></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 September 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

24288000

2016-05-05

812000

320000

143000000

<div> 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"). In October 2016, the shareholders of the Company and LSBG approved the Merger transaction and all required regulatory approvals have been obtained. The Merger is expected to close in January 2017. 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. Included in the Company's third quarter and year-to-date non-interest expense were $320 and $812 in expenses related to the LSBG Merger, largely legal and other professional fees, of which $256 and $725 were not deductible for income tax purposes. </div>

2000000000

3300000000

2200000000

2400000000

9800000

12336000

9720000

14571000

9720000

14571000

2536000

4851000

12719000

41529000

385000

97283000

19622000

28551000

385000

94823000

<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 some 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 September 30, 2016, and December 31, 2015:</div> <div> <div> <div align="left"> <div> <table style="height: 131px; width: 488px;" cellspacing="0" border="0"> <tr valign="bottom"><td width="54%" align="left"> </td> <td width="3%" align="right"> </td> <td width="18%" align="center">September 30,</td> <td width="3%" align="center"> </td> <td width="18%" align="center">December 31,</td></tr> <tr valign="bottom"><td width="54%" align="left"> </td> <td width="3%" align="right"> </td> <td width="18%" align="center">2016</td> <td width="3%" align="center"> </td> <td width="18%" align="center">2015</td></tr> <tr><td width="96%" colspan="5"> </td></tr> <tr valign="bottom"><td width="54%" align="left">Commitments to originate loans</td> <td width="3%" align="right">$</td> <td width="18%" align="right">28,551</td> <td width="3%" align="right">$</td> <td width="18%" align="right">41,529</td></tr> <tr valign="bottom"><td width="54%" align="left">Unused lines of credit</td> <td width="3%" align="right">$</td> <td width="18%" align="right">94,823</td> <td width="3%" align="right">$</td> <td width="18%" align="right">97,283</td></tr> <tr valign="bottom"><td width="54%" align="left">Un-advanced portions of construction loans</td> <td width="3%" align="right">$</td> <td width="18%" align="right">19,622</td> <td width="3%" align="right">$</td> <td width="18%" align="right">12,719</td></tr> <tr valign="bottom"><td width="54%" align="left">Standby letters of credit</td> <td width="3%" align="right">$</td> <td width="18%" align="right">385</td> <td width="3%" align="right">$</td> <td width="18%" align="right">385</td></tr></table></div></div></div> <div> As of September 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>

0.75

0.81

20000000

6788407

13577000

10953000

6546000

13531000

-48000

474791000

473404000

512495000

513372000

0.03

-19000

-21000

-7000

216000

94000

32000

96000

32000

166000

49000

171000

57000

53000

17000

54000

18000

291000

942787000

1033525000

299087000

320721000

160394000

167653000

546058000

603750000

1301000

1159000

0.03

2069000

737000

60000

251000

71000

355000

737000

2021-06-02

2024-06-04

2021-10-21

2024-10-21

2016-12-15

4480000

4880000

28.0

2016-10-25

2016-11-14

1.96

0.66

2.05

0.60

1.93

0.65

2.03

0.59

<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 nine months ended September 30, 2016, and 2015: <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></tr> <tr valign="bottom"><td width="40%" align="left"> </td> <td width="3%" align="left"> </td> <td width="25%" colspan="3" align="center">Three Months Ended</td> <td width="3%" align="center"> </td> <td width="25%" colspan="3" align="center">Nine Months Ended</td></tr> <tr valign="bottom"><td width="40%" align="left"> </td> <td width="3%" align="left"> </td> <td style="text-indent: 5px;" width="25%" colspan="3" align="center">September 30,</td> <td width="3%" align="center"> </td> <td width="25%" colspan="3" align="center">September 30,</td></tr> <tr valign="bottom"><td width="40%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="center">2016</td> <td width="3%" align="center"> </td> <td width="11%" align="center">2015</td> <td width="3%" align="center"> </td> <td width="11%" align="center">2016</td> <td width="3%" align="center"> </td> <td width="11%" align="center">2015</td></tr> <tr><td width="96%" colspan="9"> </td></tr> <tr valign="bottom"><td width="40%" align="left">Net income</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">3,632</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">3,931</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">12,349</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">11,685</td></tr> <tr><td width="96%" colspan="9"> </td></tr> <tr valign="bottom"><td width="40%" align="left">Weighted average common</td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="40%" align="left">shares outstanding</td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="40%" align="left">Basic</td> <td width="3%" align="left"> </td> <td width="11%" align="right">6,042,384</td> <td width="3%" align="left"> </td> <td width="11%" align="right">5,991,073</td> <td width="3%" align="left"> </td> <td width="11%" align="right">6,024,365</td> <td width="3%" align="left"> </td> <td width="11%" align="right">5,972,927</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="40%" align="left">Effect of dilutive employee stock options</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="11%" align="right">65,408</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="11%" align="right">75,757</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="11%" align="right">67,339</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="11%" align="right">81,667</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="40%" align="left">Diluted</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">6,107,792</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">6,066,830</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">6,091,704</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">6,054,594</td></tr> <tr><td width="96%" colspan="9"> </td></tr> <tr valign="bottom"><td width="40%" align="left">Anti-dilutive options excluded from</td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="40%" align="left">earnings per share calculation</td> <td width="3%" align="left"> </td> <td width="11%" align="right">67,884</td> <td width="3%" align="left"> </td> <td width="11%" align="right">64,763</td> <td width="3%" align="left"> </td> <td width="11%" align="right">71,690</td> <td width="3%" align="left"> </td> <td width="11%" align="right">66,960</td></tr> <tr><td width="96%" colspan="9"> </td></tr> <tr valign="bottom"><td width="40%" align="left">Per Common Share Data:</td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="40%" align="left">Basic earnings per share</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">0.60</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">0.66</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">2.05</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">1.96</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="40%" align="left">Diluted earnings per share</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">0.59</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">0.65</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">2.03</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">1.93</td></tr></table></div></div></div></div>   </div>

1729000

584000

1715000

568000

<div> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="35%" align="left"> </td> <td width="2%" align="center"> </td> <td width="10%" 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="10%" align="center">Level 3</td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 6px;" width="35%" align="left">As of September 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">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="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="10%" align="center">Fair 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="10%" align="center">Loss</td></tr> <tr><td width="95%" colspan="11"> </td></tr> <tr valign="bottom"><td width="35%" align="left">Other real estate owned</td> <td width="2%" align="center">$</td> <td width="10%" align="center"> ---</td> <td width="2%" align="center">$</td> <td width="10%" align="center"> ---</td> <td width="2%" align="right">$</td> <td width="10%" align="right">189</td> <td width="2%" align="right">$</td> <td width="10%" align="right">189</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="10%" align="right">53</td></tr> <tr valign="bottom"><td width="35%" align="left">Collateral dependent impaired loans</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="center">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="center"> ---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="center">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="center"> ---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">3,284</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">3,284</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="10%" align="right">---</td></tr></table></div>   <div> <table cellspacing="0" border="0"> <tr><td width="35%"> </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="10%"> </td> <td width="2%"> </td> <td width="10%"> </td></tr> <tr valign="bottom"><td width="35%" align="left"> </td> <td width="2%" align="center"> </td> <td width="10%" 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="10%" align="center">Level 3</td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="35%" align="center">As of 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;" 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="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="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="10%" align="center">Fair 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="10%" align="center">Loss</td></tr> <tr><td width="95%" colspan="11"> </td></tr> <tr valign="bottom"><td width="35%" align="left">Other real estate owned</td> <td width="2%" align="center">$</td> <td width="10%" align="center"> ---</td> <td width="2%" align="center">$</td> <td width="10%" align="center">---</td> <td width="2%" align="right">$</td> <td width="10%" align="right">256</td> <td width="2%" align="right">$</td> <td width="10%" align="right">256</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="10%" align="right">27</td></tr> <tr valign="bottom"><td width="35%" align="left">Collateral dependent impaired loans</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="center">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="center"> ---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="center">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="center"> ---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">1,999</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">1,999</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="10%" align="right">---</td></tr></table></div> </div>

<div> <div> <table style="height: 297px; width: 756px;" cellspacing="0" border="0"> <tr valign="bottom"><td width="36%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="center">Carrying</td> <td width="2%" align="center"> </td> <td width="10%" 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="10%" 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="36%" align="center">September 30, 2016</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="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="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="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="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="10%" 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="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" 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">$</td> <td width="10%" align="right">14,571</td> <td width="2%" align="left">$</td> <td width="10%" align="right">14,571</td> <td style="text-indent: 1px;" width="2%" align="left">$</td> <td width="10%" align="right">---</td> <td width="2%" align="left">$</td> <td width="10%" align="right">---</td> <td width="2%" align="right">$</td> <td width="10%" align="right">14,571</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="10%" align="right">23,712</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">23,712</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">23,712</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="10%" align="right">1,078,140</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">1,079,757</td> <td width="2%" align="right"> </td> <td width="10%" align="right">1,079,757</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="10%" align="right">5,287</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">5,287</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">5,287</td></tr> <tr><td width="96%" colspan="11"> </td></tr> <tr valign="bottom"><td width="36%" align="left">Financial liabilities:</td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" 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="10%" align="right">603,750</td> <td style="text-indent: 2px;" width="2%" align="left">$</td> <td width="10%" align="right">---</td> <td width="2%" align="left">$</td> <td width="10%" align="right">603,750</td> <td width="2%" align="left"> $</td> <td width="10%" align="right">---</td> <td width="2%" align="right">$</td> <td width="10%" align="right">603,750</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="10%" align="right">429,775</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">434,022</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">434,022</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="36%" align="left">Borrowings</td> <td width="2%" align="right"> </td> <td width="10%" align="right">512,495</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">513,372</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">513,372</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="10%" align="right">593</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">593</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">593</td></tr></table></div>   <div> <table style="height: 316px; width: 755px;" cellspacing="0" border="0"> <tr><td width="37%"> </td> <td width="2%"> </td> <td width="10%"> </td> <td width="2%"> </td> <td width="10%"> </td> <td width="2%"> </td> <td width="11%"> </td> <td width="2%"> </td> <td width="11%"> </td> <td width="2%"> </td> <td width="10%"> </td></tr> <tr valign="bottom"><td width="37%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="center">Carrying</td> <td width="2%" align="center"> </td> <td width="10%" align="center">Level 1</td> <td width="2%" align="center"> </td> <td width="11%" align="center">Level 2</td> <td width="2%" align="center"> </td> <td width="11%" 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">December 31, 2015</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: 2px;" 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="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="11%" 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="11%" 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="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="37%" align="left">Cash and cash equivalents</td> <td width="2%" align="right">$</td> <td width="10%" align="right">9,720</td> <td width="2%" align="left">$</td> <td width="10%" align="right">9,720</td> <td width="2%" align="left">$</td> <td width="11%" align="right">---</td> <td width="2%" align="left">$</td> <td width="11%" align="right">---</td> <td style="text-indent: 1px;" width="2%" align="left">$</td> <td width="10%" align="right">9,720</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">21,479</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="11%" align="right">21,479</td> <td width="2%" align="left"> </td> <td width="11%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">21,479</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">980,631</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="11%" align="right">---</td> <td width="2%" align="left"> </td> <td width="11%" align="right">975,610</td> <td width="2%" align="left"> </td> <td width="10%" align="right">975,610</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">5,420</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="11%" align="right">5,420</td> <td width="2%" align="left"> </td> <td width="11%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">5,420</td></tr> <tr><td width="99%" colspan="11"> </td></tr> <tr valign="bottom"><td width="37%" align="left">Financial liabilities:</td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </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">546,058</td> <td width="2%" align="left">$</td> <td width="10%" align="right">---</td> <td width="2%" align="left">$</td> <td width="11%" align="right">546,058</td> <td width="2%" align="left">$</td> <td width="11%" align="right">---</td> <td width="2%" align="left">$</td> <td width="10%" align="right">546,058</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="37%" align="left">Time deposits</td> <td width="2%" align="right"> </td> <td width="10%" align="right">396,729</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="11%" align="right">399,146</td> <td width="2%" align="left"> </td> <td width="11%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">399,146</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="37%" align="left">Borrowings</td> <td width="2%" align="right"> </td> <td width="10%" align="right">474,791</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="11%" align="right">473,404</td> <td width="2%" align="left"> </td> <td width="11%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">473,404</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="37%" align="left">Interest payable</td> <td width="2%" align="right"> </td> <td width="10%" align="right">527</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="11%" align="right">527</td> <td width="2%" align="left"> </td> <td width="11%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" 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 September 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">September 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">$</td> <td style="text-indent: 1px;" align="left">333,339</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">333,339</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">US Government agencies</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">79,238</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">79,238</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">Private label</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">1,217</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">1,217</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Obligations of states and political subdivisions thereof</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">123,493</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">123,493</td></tr> <tr valign="bottom"><td align="left">Derivative assets</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">737</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">737</td></tr></table></div></div> <div align="left"> </div></div></div></div> <div> <div> <div align="left"> <table style="height: 170px; width: 577px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="center">Level 1</td> <td align="right"> </td> <td align="left">Level 2</td> <td align="center">Level 3</td> <td align="right"> </td> <td align="center">Total Fair</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">December 31, 2015</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Value</td></tr> <tr valign="bottom"><td align="left">Securities available for sale:</td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" align="left">Mortgage-backed securities:</td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td> <td align="left"> </td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" align="left">US Government-sponsored enterprises</td> <td align="center">$ ---</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">$</td> <td style="text-indent: 1px;" align="left">2,069</td></tr></table></div></div></div></div> <div> </div> <div> The following tables present the carrying value of certain financial assets and financial liabilities measured at fair value on a non-recurring basis, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value. <div> <div> <div align="left"> <table style="height: 118px; width: 455px;" cellspacing="0" border="0"> <tr valign="bottom"><td align="left"> </td> <td align="center">Level 1</td> <td align="center">Level 2</td> <td align="right"> </td> <td align="center">Level 3</td> <td align="right"> </td> <td style="text-indent: 3px;" align="left">Fair</td> <td align="right"> </td> <td align="left"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">As of September 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="center">Inputs</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">Value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" align="right">Loss</td></tr> <tr><td colspan="9"> </td></tr> <tr valign="bottom"><td align="left">Other real estate owned</td> <td align="center">$ ---</td> <td align="center">$ ---</td> <td align="right">$</td> <td style="text-indent: 1px;" align="left">189</td> <td align="right">$</td> <td style="text-indent: 3px;" align="left">189</td> <td align="right">$</td> <td align="right">53</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" align="left">Collateral dependent impaired loans</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="center">$ ---</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">3,284</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left">3,284</td> <td 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 $3,284 and $1,999 which had specific reserves included in the allowance of $311 and $312, at September 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>

623000

212000

595000

160000

135882000

144120000

21479000

23712000

1245000

477000

1321000

491000

677000

224000

678000

215000

2887000

957000

2878000

975000

<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 September 30, 2016 and December 31, 2015, follows: <div> <div> <div> <div> <div> <div> <div> <table style="height: 270px; width: 760px;" cellspacing="0" border="0"> <tr valign="bottom"><td width="36%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="center">Carrying</td> <td width="2%" align="center"> </td> <td width="10%" 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="10%" 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="36%" align="center">September 30, 2016</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="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="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="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="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="10%" 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="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" 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">$</td> <td width="10%" align="right">14,571</td> <td width="2%" align="left">$</td> <td width="10%" align="right">14,571</td> <td style="text-indent: 1px;" width="2%" align="left">$</td> <td width="10%" align="right">---</td> <td width="2%" align="left">$</td> <td width="10%" align="right">---</td> <td width="2%" align="right">$</td> <td width="10%" align="right">14,571</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="10%" align="right">23,712</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">23,712</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">23,712</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="10%" align="right">1,078,140</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">1,079,757</td> <td width="2%" align="right"> </td> <td width="10%" align="right">1,079,757</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="10%" align="right">5,287</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">5,287</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">5,287</td></tr> <tr><td width="96%" colspan="11"> </td></tr> <tr valign="bottom"><td width="36%" align="left">Financial liabilities:</td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" 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="10%" align="right">603,750</td> <td style="text-indent: 2px;" width="2%" align="left">$</td> <td width="10%" align="right">---</td> <td width="2%" align="left">$</td> <td width="10%" align="right">603,750</td> <td width="2%" align="left"> $</td> <td width="10%" align="right">---</td> <td width="2%" align="right">$</td> <td width="10%" align="right">603,750</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="10%" align="right">429,775</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">434,022</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">434,022</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="36%" align="left">Borrowings</td> <td width="2%" align="right"> </td> <td width="10%" align="right">512,495</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">513,372</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">513,372</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="10%" align="right">593</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">593</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">593</td></tr></table></div></div></div></div> <div> </div></div></div></div> <div> <div> <div align="left"> <div> <table style="height: 316px; width: 755px;" cellspacing="0" border="0"> <tr valign="bottom"><td width="37%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="center">Carrying</td> <td width="2%" align="center"> </td> <td width="10%" align="center">Level 1</td> <td width="2%" align="center"> </td> <td width="11%" align="center">Level 2</td> <td width="2%" align="center"> </td> <td width="11%" 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">December 31, 2015</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: 2px;" 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="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="11%" 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="11%" 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="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="37%" align="left">Cash and cash equivalents</td> <td width="2%" align="right">$</td> <td width="10%" align="right">9,720</td> <td width="2%" align="left">$</td> <td width="10%" align="right">9,720</td> <td width="2%" align="left">$</td> <td width="11%" align="right">---</td> <td width="2%" align="left">$</td> <td width="11%" align="right">---</td> <td style="text-indent: 1px;" width="2%" align="left">$</td> <td width="10%" align="right">9,720</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">21,479</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="11%" align="right">21,479</td> <td width="2%" align="left"> </td> <td width="11%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">21,479</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">980,631</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="11%" align="right">---</td> <td width="2%" align="left"> </td> <td width="11%" align="right">975,610</td> <td width="2%" align="left"> </td> <td width="10%" align="right">975,610</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">5,420</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="11%" align="right">5,420</td> <td width="2%" align="left"> </td> <td width="11%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">5,420</td></tr> <tr><td width="99%" colspan="11"> </td></tr> <tr valign="bottom"><td width="37%" align="left">Financial liabilities:</td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </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">546,058</td> <td width="2%" align="left">$</td> <td width="10%" align="right">---</td> <td width="2%" align="left">$</td> <td width="11%" align="right">546,058</td> <td width="2%" align="left">$</td> <td width="11%" align="right">---</td> <td width="2%" align="left">$</td> <td width="10%" align="right">546,058</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="37%" align="left">Time deposits</td> <td width="2%" align="right"> </td> <td width="10%" align="right">396,729</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="11%" align="right">399,146</td> <td width="2%" align="left"> </td> <td width="11%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">399,146</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="37%" align="left">Borrowings</td> <td width="2%" align="right"> </td> <td width="10%" align="right">474,791</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="11%" align="right">473,404</td> <td width="2%" align="left"> </td> <td width="11%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">473,404</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="37%" align="left">Interest payable</td> <td width="2%" align="right"> </td> <td width="10%" align="right">527</td> <td width="2%" align="left"> </td> <td width="10%" align="right">---</td> <td width="2%" align="left"> </td> <td width="11%" align="right">527</td> <td width="2%" align="left"> </td> <td width="11%" align="right">---</td> <td width="2%" align="left"> </td> <td width="10%" align="right">527</td></tr></table></div></div></div></div> </div>

8969000

277000

145000

71000

929000

4468000

94000

271000

2714000

9099000

372000

145000

79000

1147000

4289000

110000

472000

2485000

9037000

349000

133000

74000

1107000

4486000

104000

481000

2303000

9439000

307000

184000

47000

1236000

4246000

111000

561000

2747000

9891000

383000

195000

51000

1267000

4665000

100000

547000

2683000

10103000

354000

142000

52000

1333000

4909000

118000

515000

2680000

8746000

349000

109000

74000

931000

4447000

104000

481000

2251000

9066000

307000

126000

47000

1061000

4203000

111000

561000

2650000

9732000

354000

82000

52000

1159000

4869000

118000

505000

2593000

291000

24000

176000

39000

52000

373000

58000

175000

43000

97000

371000

60000

174000

40000

10000

87000

291000

15000

33000

97000

17000

129000

304000

18000

36000

98000

22000

1000

129000

98000

3000

31000

58000

6000

293000

45000

155000

35000

17000

5000

36000

193000

5000

151000

22000

4000

3000

8000

1543000

72000

310000

667000

48000

376000

70000

1619000

72000

323000

667000

111000

376000

70000

585000

54000

22000

461000

23000

25000

383000

90000

133000

19000

141000

120000

99000

2000

19000

970433000

32412000

23894000

15319000

77451000

370529000

10138000

51272000

389418000

984227000

30897000

23815000

15244000

79485000

368779000

9690000

51512000

404805000

1081579000

32313000

15232000

16109000

97253000

383871000

6548000

47624000

482629000

<div> <div> <table cellspacing="0" border="0"> <tr><td width="19%"> </td> <td width="2%"> </td> <td width="13%"> </td> <td width="2%"> </td> <td width="12%"> </td> <td width="2%"> </td> <td width="14%"> </td> <td width="2%"> </td> <td width="14%"> </td> <td width="2%"> </td> <td width="12%"> </td></tr> <tr valign="bottom"><td width="19%" align="left"> </td> <td width="2%" align="right"> </td> <td width="13%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center"> </td> <td width="2%" align="center"> </td> <td width="14%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="14%" align="center">Agricultural</td> <td width="2%" align="center"> </td> <td width="12%" align="center"> </td></tr> <tr valign="bottom"><td width="19%" align="left"> </td> <td width="2%" align="right"> </td> <td width="13%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Commercia</td> <td width="2%" align="center"> </td> <td width="14%" align="center">construction</td> <td width="2%" align="center"> </td> <td width="14%" align="center">and other</td> <td width="2%" align="center"> </td> <td width="12%" align="center"> </td></tr> <tr valign="bottom"><td width="19%" align="left"> </td> <td width="2%" align="right"> </td> <td width="13%" align="center">real estate</td> <td width="2%" align="center"> </td> <td width="12%" align="center">l and</td> <td width="2%" align="center"> </td> <td width="14%" align="center">and land</td> <td width="2%" align="center"> </td> <td width="14%" align="center">loans to</td> <td width="2%" align="center"> </td> <td width="12%" align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="19%" align="left">September 30, 2016</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">mortgages</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">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="14%" 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="14%" align="center">farmers</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="12%" align="center">Total</td></tr> <tr valign="bottom"><td width="19%" align="left">Pass</td> <td width="2%" align="right">$</td> <td width="13%" align="right">361,326</td> <td width="2%" align="right">$</td> <td width="12%" align="right">93,652</td> <td width="2%" align="right">$</td> <td width="14%" align="right">15,232</td> <td width="2%" align="right">$</td> <td width="14%" align="center">31,882</td> <td width="2%" align="right">$</td> <td width="12%" align="right">502,092</td></tr> <tr valign="bottom"><td width="19%" align="left">Other Assets Especially</td> <td width="2%" align="right"> </td> <td width="13%" align="left"> </td> <td width="2%" align="right"> </td> <td width="12%" align="left"> </td> <td width="2%" align="right"> </td> <td width="14%" align="left"> </td> <td width="2%" align="right"> </td> <td width="14%" align="left"> </td> <td width="2%" align="right"> </td> <td width="12%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="19%" align="left">Mentioned</td> <td width="2%" align="right"> </td> <td width="13%" align="right">11,404</td> <td width="2%" align="right"> </td> <td width="12%" align="right">1,680</td> <td width="2%" align="right"> </td> <td width="14%" align="right">---</td> <td width="2%" align="right"> </td> <td width="14%" align="right">279</td> <td width="2%" align="right"> </td> <td width="12%" align="right">13,363</td></tr> <tr valign="bottom"><td width="19%" align="left">Substandard</td> <td width="2%" align="right"> </td> <td width="13%" align="right">15,108</td> <td width="2%" align="right"> </td> <td width="12%" align="right">2,274</td> <td width="2%" align="right"> </td> <td width="14%" align="right">637</td> <td width="2%" align="right"> </td> <td width="14%" align="right">274</td> <td width="2%" align="right"> </td> <td width="12%" align="right">18,293</td></tr> <tr valign="bottom"><td width="19%" align="left">Doubtful</td> <td width="2%" align="right"> </td> <td width="13%" align="right">---</td> <td width="2%" align="right"> </td> <td width="12%" align="right">---</td> <td width="2%" align="right"> </td> <td width="14%" align="right">---</td> <td width="2%" align="right"> </td> <td width="14%" align="center">---</td> <td width="2%" align="right"> </td> <td width="12%" align="right">---</td></tr> <tr valign="bottom"><td width="19%" align="left">Loss</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="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="12%" align="right">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="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="14%" 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="right">2</td></tr> <tr valign="bottom"><td width="19%" 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="13%" align="right">387,838</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">97,608</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="right">15,869</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="center">32,435</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">533,750</td></tr></table></div>   <div> <table cellspacing="0" border="0"> <tr><td width="19%"> </td> <td width="2%"> </td> <td width="13%"> </td> <td width="2%"> </td> <td width="13%"> </td> <td width="2%"> </td> <td width="14%"> </td> <td width="2%"> </td> <td width="14%"> </td> <td width="2%"> </td> <td width="12%"> </td></tr> <tr valign="bottom"><td width="19%" align="left"> </td> <td width="2%" align="right"> </td> <td width="13%" align="center"> </td> <td width="2%" align="center"> </td> <td width="13%" align="center"> </td> <td width="2%" align="center"> </td> <td width="14%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="14%" align="center">Agricultural</td> <td width="2%" align="center"> </td> <td width="12%" align="center"> </td></tr> <tr valign="bottom"><td width="19%" align="left"> </td> <td width="2%" align="right"> </td> <td width="13%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="13%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="14%" align="center">construction</td> <td width="2%" align="center"> </td> <td width="14%" align="center">and other</td> <td width="2%" align="center"> </td> <td width="12%" align="center"> </td></tr> <tr valign="bottom"><td width="19%" align="left"> </td> <td width="2%" align="right"> </td> <td width="13%" align="center">real estate</td> <td width="2%" align="center"> </td> <td width="13%" align="center">and</td> <td width="2%" align="center"> </td> <td width="14%" align="center">and land</td> <td width="2%" align="center"> </td> <td width="14%" align="center">loans to</td> <td width="2%" align="center"> </td> <td width="12%" align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="19%" align="center">December 31, 2015</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">mortgages</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">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="14%" 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="14%" align="center">farmers</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="12%" align="center">Total</td></tr> <tr valign="bottom"><td width="19%" align="left">Pass</td> <td width="2%" align="right">$</td> <td width="13%" align="right">345,197</td> <td width="2%" align="right">$</td> <td width="13%" align="right">74,771</td> <td width="2%" align="right">$</td> <td width="14%" align="right">23,460</td> <td width="2%" align="right">$</td> <td width="14%" align="right">30,688</td> <td width="2%" align="right">$</td> <td width="12%" align="right">474,116</td></tr> <tr valign="bottom"><td width="19%" align="left">Other Assets Especially</td> <td width="2%" align="right"> </td> <td width="13%" align="left"> </td> <td width="2%" align="right"> </td> <td width="13%" align="left"> </td> <td width="2%" align="right"> </td> <td width="14%" align="left"> </td> <td width="2%" align="right"> </td> <td width="14%" align="left"> </td> <td width="2%" align="right"> </td> <td width="12%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="19%" align="left">Mentioned</td> <td width="2%" align="right"> </td> <td width="13%" align="right">7,381</td> <td width="2%" align="right"> </td> <td width="13%" align="right">2,349</td> <td width="2%" align="right"> </td> <td width="14%" align="right">355</td> <td width="2%" align="right"> </td> <td width="14%" align="right">168</td> <td width="2%" align="right"> </td> <td width="12%" align="right">10,253</td></tr> <tr valign="bottom"><td width="19%" align="left">Substandard</td> <td width="2%" align="right"> </td> <td width="13%" align="right">18,424</td> <td width="2%" align="right"> </td> <td width="13%" align="right">2,790</td> <td width="2%" align="right"> </td> <td width="14%" align="right">1,111</td> <td width="2%" align="right"> </td> <td width="14%" align="right">147</td> <td width="2%" align="right"> </td> <td width="12%" align="right">22,472</td></tr> <tr valign="bottom"><td width="19%" align="left">Doubtful</td> <td width="2%" align="right"> </td> <td width="13%" align="right">---</td> <td width="2%" align="right"> </td> <td width="13%" align="right">---</td> <td width="2%" align="right"> </td> <td width="14%" align="right">---</td> <td width="2%" align="right"> </td> <td width="14%" align="right">---</td> <td width="2%" align="right"> </td> <td width="12%" align="right">---</td></tr> <tr valign="bottom"><td width="19%" align="left">Loss</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="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="13%" 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="14%" 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="14%" 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="12%" align="right">1</td></tr> <tr valign="bottom"><td width="19%" 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="13%" align="right">371,002</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="right">79,911</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="right">24,926</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="right">31,003</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">506,842</td></tr></table></div> </div>

5470000

108000

1260000

437000

1988000

9000

18000

1650000

5739000

106000

1111000

426000

2223000

8000

18000

1847000

6831000

122000

637000

355000

3967000

16000

1718000

1508000

16000

1266000

242000

226000

1266000

226000

1410000

24000

9000

1401000

51000

1326000

975000

9000

966000

51000

915000

1499000

18000

1267000

232000

214000

1267000

214000

1451000

30000

9000

1442000

51000

1361000

996000

9000

987000

51000

936000

3162000

4323000

826000

1403000

28000

3000

28000

25000

983690000

30918000

23815000

9632000

15244000

79630000

370375000

50488000

403588000

1083925000

32406000

15232000

6544000

16109000

97375000

386525000

47600000

482134000

6980000

16000

1111000

10000

292000

1279000

820000

6980000

3452000

6402000

637000

117000

276000

1841000

102000

6402000

3429000

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

4485000

29000

637000

20000

233000

1313000

1051000

604000

2830000

40000

2213000

29000

637000

6000

3000

11000

43000

190000

281000

163000

869000

1000

39000

720000

409000

1084000

783000

313000

382000

92000

470000

401000

1206000

4489000

1354000

27000

53000

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>

7180000

6361000

6394000

6469000

78000

33000

198000

60000

5739000

6831000

373000

312000

58000

175000

43000

97000

371000

311000

60000

10000

174000

40000

87000

<div> Details of impaired loans as of September 30, 2016 and December 31, 2015 follows: <div> <table style="height: 555px; width: 740px;" cellspacing="0" border="0"> <tr><td width="23%"> </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="10%"> </td> <td width="2%"> </td> <td width="10%"> </td> <td width="2%"> </td> <td width="10%"> </td></tr> <tr valign="bottom"><td width="23%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="36%" colspan="6" align="center">September 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="36%" colspan="6" align="center">December 31, 2015</td></tr> <tr valign="bottom"><td width="23%" 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="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></tr> <tr valign="bottom"><td width="23%" 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="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></tr> <tr valign="bottom"><td width="23%" 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 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></tr> <tr valign="bottom"><td width="23%" 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="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></tr> <tr valign="bottom"><td width="23%" align="left">Commercial real estate mortgages</td> <td width="2%" align="right">$</td> <td width="10%" align="right">3,308</td> <td width="2%" align="right">$</td> <td width="10%" align="right">3,396</td> <td width="2%" align="right">$</td> <td style="text-indent: 3px;" width="10%" align="right">---</td> <td width="2%" align="right">$</td> <td width="10%" align="right">1,692</td> <td width="2%" align="right">$</td> <td width="10%" align="right">1,736</td> <td width="2%" align="right">$</td> <td style="text-indent: 3px;" width="10%" align="right">---</td></tr> <tr valign="bottom"><td width="23%" align="left">Commercial and industrial</td> <td width="2%" align="right"> </td> <td width="10%" align="right">136</td> <td width="2%" align="right"> </td> <td width="10%" align="right">136</td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right">202</td> <td width="2%" align="right"> </td> <td width="10%" align="right">352</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td></tr> <tr valign="bottom"><td width="23%" 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="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></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="23%" 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="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="10%" align="right">---</td></tr> <tr valign="bottom"><td width="23%" align="left">Agricultural and other loans to farmers</td> <td width="2%" align="right"> </td> <td width="10%" align="right">122</td> <td width="2%" align="right"> </td> <td width="10%" align="right">122</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">106</td> <td width="2%" align="right"> </td> <td width="10%" align="right">106</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="10%" align="right">---</td></tr> <tr valign="bottom"><td width="23%" align="left">Residential real estate loans</td> <td width="2%" align="right"> </td> <td width="10%" align="right">1,223</td> <td width="2%" align="right"> </td> <td width="10%" align="right">1,340</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">1,332</td> <td width="2%" align="right"> </td> <td width="10%" align="right">1,362</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="10%" align="right">---</td></tr> <tr valign="bottom"><td width="23%" align="left">Home equity loans</td> <td width="2%" align="right"> </td> <td width="10%" align="right">16</td> <td width="2%" align="right"> </td> <td width="10%" align="right">16</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">18</td> <td width="2%" align="right"> </td> <td width="10%" align="right">18</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="10%" align="right">---</td></tr> <tr valign="bottom"><td width="23%" 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; text-indent: 3px;" 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 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="10%" align="right">---</td></tr> <tr valign="bottom"><td width="23%" align="left">Subtotal</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">4,805</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">5,010</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" width="10%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">3,350</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">3,574</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">---</td></tr> <tr><td width="95%" colspan="13"> </td></tr> <tr valign="bottom"><td width="23%" 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="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></tr> <tr valign="bottom"><td width="23%" align="left">Commercial real estate mortgages</td> <td width="2%" align="right">$</td> <td width="10%" align="right">659</td> <td width="2%" align="right">$</td> <td width="10%" align="right">659</td> <td width="2%" align="right">$</td> <td style="text-indent: 3px;" width="10%" align="right">40</td> <td width="2%" align="right">$</td> <td width="10%" align="right">531</td> <td width="2%" align="right">$</td> <td width="10%" align="right">531</td> <td width="2%" align="right">$</td> <td style="text-indent: 3px;" width="10%" align="right">43</td></tr> <tr valign="bottom"><td width="23%" align="left">Commercial and industrial</td> <td width="2%" align="right"> </td> <td width="10%" align="right">219</td> <td width="2%" align="right"> </td> <td width="10%" align="right">369</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="10%" align="right">174</td> <td width="2%" align="right"> </td> <td width="10%" align="right">224</td> <td width="2%" align="right"> </td> <td width="10%" align="right">374</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="10%" align="right">175</td></tr> <tr valign="bottom"><td width="23%" 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="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></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="23%" align="left">land development</td> <td width="2%" align="right"> </td> <td width="10%" align="right">637</td> <td width="2%" align="right"> </td> <td width="10%" align="right">2,562</td> <td width="2%" align="right"> </td> <td style="text-indent: 4px;" width="10%" align="right">60</td> <td width="2%" align="right"> </td> <td width="10%" align="right">1,111</td> <td width="2%" align="right"> </td> <td width="10%" align="right">3,036</td> <td width="2%" align="right"> </td> <td style="text-indent: 4px;" width="10%" align="right">58</td></tr> <tr valign="bottom"><td width="23%" 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="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></tr> <tr valign="bottom"><td width="23%" align="left">Residential real estate loans</td> <td width="2%" align="right"> </td> <td width="10%" align="right">495</td> <td width="2%" align="right"> </td> <td width="10%" align="right">495</td> <td width="2%" align="right"> </td> <td style="text-indent: 4px;" width="10%" align="right">87</td> <td width="2%" align="right"> </td> <td width="10%" align="right">515</td> <td width="2%" align="right"> </td> <td width="10%" align="right">515</td> <td width="2%" align="right"> </td> <td style="text-indent: 4px;" width="10%" align="right">97</td></tr> <tr valign="bottom"><td width="23%" 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="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></tr> <tr valign="bottom"><td width="23%" 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">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="10%" align="right">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; text-indent: 4px;" width="10%" 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="10%" 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="10%" 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="10%" align="right">---</td></tr> <tr valign="bottom"><td width="23%" align="left">Subtotal</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">2,026</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">4,101</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="10%" align="right">371</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">2,389</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">4,464</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="10%" align="right">373</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">6,831</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">9,111</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" width="10%" align="right">371</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">5,739</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">8,038</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" width="10%" align="right">373</td></tr></table></div>   Details of impaired loans for the three and nine months ended September 30, 2016 and 2015 follows: <div> <table cellspacing="0" border="0"> <tr><td width="16%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="8%"> </td></tr> <tr valign="bottom"><td width="16%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="40%" colspan="8" align="center">September 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="40%" colspan="8" align="center">September 30, 2015</td></tr> <tr valign="bottom"><td width="16%" 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="18%" colspan="3" align="center">Three Months Ended</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="18%" colspan="3" align="center">Nine Months Ended</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="18%" colspan="3" align="center">Three Months Ended</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="18%" colspan="3" align="center">Nine Months Ended</td></tr> <tr><td width="96%" colspan="17" align="center"> </td></tr> <tr valign="bottom"><td width="16%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Average</td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Average</td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Average</td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Average</td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td></tr> <tr valign="bottom"><td width="16%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" 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="8%" 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="8%" 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="8%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Interest</td></tr> <tr valign="bottom"><td width="16%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" 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="8%" 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="8%" 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="8%" align="center">Investment</td> <td width="2%" align="center"> </td> <td width="8%" align="center"> Recorded</td></tr> <tr valign="bottom"><td width="16%" align="left">With no related allowance:</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="2%" align="right"> </td> <td width="8%" 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="2%" align="right"> </td> <td width="8%" 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></tr> <tr valign="bottom"><td width="16%" align="left">Commercial real</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="16%" align="left">estate mortgages</td> <td width="2%" align="right">$</td> <td width="8%" align="right">2,775</td> <td width="2%" align="right">$</td> <td width="8%" align="right">38</td> <td width="2%" align="right">$</td> <td width="8%" align="right">2,713</td> <td width="2%" align="right">$</td> <td width="8%" align="right">131</td> <td width="2%" align="right">$</td> <td width="8%" align="right">2,408</td> <td width="2%" align="right">$</td> <td width="8%" align="right">20</td> <td width="2%" align="right">$</td> <td width="8%" align="right">3,099</td> <td width="2%" align="right">$</td> <td width="8%" align="right">42</td></tr> <tr valign="bottom"><td width="16%" align="left">Commercial and industrial</td> <td width="2%" align="right"> </td> <td width="8%" align="right">138</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1</td> <td width="2%" align="right"> </td> <td width="8%" align="right">141</td> <td width="2%" align="right"> </td> <td width="8%" align="right">2</td> <td width="2%" align="right"> </td> <td width="8%" align="right">231</td> <td width="2%" align="right"> </td> <td width="8%" align="right">2</td> <td width="2%" align="right"> </td> <td width="8%" align="right">334</td> <td width="2%" align="right"> </td> <td width="8%" align="right">7</td></tr> <tr valign="bottom"><td width="16%" align="left">Commercial construction</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="16%" align="left">and land development</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Agricultural and other</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="16%" align="left">loans to farmers</td> <td width="2%" align="right"> </td> <td width="8%" align="right">124</td> <td width="2%" align="right"> </td> <td width="8%" align="right">3</td> <td width="2%" align="right"> </td> <td width="8%" align="right">131</td> <td width="2%" align="right"> </td> <td width="8%" align="right">8</td> <td width="2%" align="right"> </td> <td width="8%" align="right">123</td> <td width="2%" align="right"> </td> <td width="8%" align="right">3</td> <td width="2%" align="right"> </td> <td width="8%" align="right">155</td> <td width="2%" align="right"> </td> <td width="8%" align="right">7</td></tr> <tr valign="bottom"><td width="16%" align="left">Residential real</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="16%" align="left">estate mortgages</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,342</td> <td width="2%" align="right"> </td> <td width="8%" align="right">17</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,344</td> <td width="2%" align="right"> </td> <td width="8%" align="right">55</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,332</td> <td width="2%" align="right"> </td> <td width="8%" align="right">8</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,325</td> <td width="2%" align="right"> </td> <td width="8%" align="right">21</td></tr> <tr valign="bottom"><td width="16%" align="left">Home equity loans</td> <td width="2%" align="right"> </td> <td width="8%" align="right">16</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">17</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1</td> <td width="2%" align="right"> </td> <td width="8%" align="right">18</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">18</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1</td></tr> <tr valign="bottom"><td width="16%" 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="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="8%" 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="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="8%" 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="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="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="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="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Subtotal</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">4,395</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">60</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">4,346</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">198</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">4,112</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">33</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">4,931</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">78</td></tr> <tr><td width="96%" colspan="17"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="16%" align="left">With an allowance:</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="2%" align="right"> </td> <td width="8%" 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="2%" align="right"> </td> <td width="8%" 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></tr> <tr valign="bottom"><td width="16%" align="left">Commercial real</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="2%" align="right"> </td> <td width="8%" 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="2%" align="right"> </td> <td width="8%" 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></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="16%" align="left">estate mortgages</td> <td width="2%" align="right">$</td> <td width="8%" align="right">533</td> <td width="2%" align="right">$</td> <td width="8%" align="right">---</td> <td width="2%" align="right">$</td> <td width="8%" align="right">551</td> <td width="2%" align="right">$</td> <td width="8%" align="right">---</td> <td width="2%" align="right">$</td> <td width="8%" align="right">405</td> <td width="2%" align="right">$</td> <td width="8%" align="right">---</td> <td width="2%" align="right">$</td> <td width="8%" align="right">405</td> <td width="2%" align="right">$</td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Commercial and industrial</td> <td width="2%" align="right"> </td> <td width="8%" align="right">220</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</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">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">226</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">228</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Commercial construction</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="16%" align="left">and land development</td> <td width="2%" align="right"> </td> <td width="8%" align="right">809</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">928</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,260</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,260</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Agricultural and other</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="16%" align="left">loans to farmers</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Residential real</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="16%" align="left">estate mortgages</td> <td width="2%" align="right"> </td> <td width="8%" align="right">496</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">331</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">348</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">346</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Home equity loans</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" 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="8%" align="right">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="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="8%" align="right">17</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="8%" 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 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">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></tr> <tr valign="bottom"><td width="16%" align="left">Subtotal</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">2,074</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">2,048</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">2,249</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">2,249</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">---</td></tr> <tr><td width="96%" colspan="17"> </td></tr> <tr valign="bottom"><td width="16%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">6,469</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">60</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">6,394</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">198</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">6,361</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">33</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">7,180</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">78</td></tr></table></div> </div>

8038000

9111000

4931000

155000

18000

334000

3099000

1325000

4112000

123000

18000

231000

2408000

1332000

4346000

131000

17000

141000

2713000

1344000

4395000

124000

16000

138000

2775000

1342000

78000

7000

1000

7000

42000

21000

33000

3000

2000

20000

8000

198000

8000

1000

2000

131000

55000

60000

3000

1000

38000

17000

3350000

106000

18000

202000

1692000

1332000

4805000

122000

16000

136000

3308000

1223000

3574000

106000

18000

352000

1736000

1362000

5010000

122000

16000

136000

3396000

1340000

2249000

1260000

10000

228000

405000

346000

2249000

1260000

10000

226000

405000

348000

2048000

928000

17000

221000

551000

331000

2074000

809000

16000

220000

533000

496000

2389000

1111000

8000

224000

531000

515000

2026000

637000

16000

219000

659000

495000

4464000

3036000

8000

374000

531000

515000

4101000

2562000

16000

369000

659000

495000

16379000

5479000

17799000

5482000

4370000

5342000

4694000

9000

-422000

1548000

5450000

7000

-1571000

1850000

<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 September 30, 2016 and December 31, 2015, there was no valuation allowance for deferred tax assets.</div> </div>

152845000

90738000

-875000

-1784000

31047000

2842000

-418000

-111000

-655000

-806000

81667

75757

67339

65408

29449000

10127000

30627000

10295000

7751000

2630000

8924000

3124000

4509000

1596000

4931000

1755000

2517000

801000

2558000

916000

725000

233000

1435000

453000

32260000

11271000

32963000

10860000

33580000

11696000

33717000

10999000

7767000

8858000

527000

593000

194000

5420000

5287000

380000

191000

613000

232000

11502000

4008000

11401000

3596000

41331000

14326000

42641000

14123000

21479000

23712000

11623

19158

<div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="60%" align="left"> </td> <td width="3%" align="left"> </td> <td width="16%" align="center">Amortized</td> <td width="3%" align="center"> </td> <td width="16%" align="center">Estimated</td></tr> <tr valign="bottom"><td width="60%" align="left">Securities Available for Sale</td> <td width="3%" align="left"> </td> <td width="16%" align="center">Cost</td> <td width="3%" align="center"> </td> <td width="16%" align="center">Fair Value</td></tr> <tr><td width="98%" colspan="5"> </td></tr> <tr valign="bottom"><td width="60%" align="left">Due one year or less</td> <td width="3%" align="left">$</td> <td width="16%" align="right">140</td> <td width="3%" align="left">$</td> <td width="16%" align="right">140</td></tr> <tr valign="bottom"><td width="60%" align="left">Due after one year through five years</td> <td width="3%" align="left"> </td> <td width="16%" align="right">6,510</td> <td width="3%" align="left"> </td> <td width="16%" align="right">6,637</td></tr> <tr valign="bottom"><td width="60%" align="left">Due after five years through ten years</td> <td width="3%" align="left"> </td> <td width="16%" align="right">16,068</td> <td width="3%" align="left"> </td> <td width="16%" align="right">16,756</td></tr> <tr valign="bottom"><td width="60%" align="left">Due after ten years</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="16%" align="right">502,738</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="16%" align="right">513,754</td></tr> <tr valign="bottom"><td width="60%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="16%" align="right">525,456</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="16%" align="right">537,287</td></tr></table> </div>

5000000

13244000

28000

4623000

14648000

21000

4832000

1425903000

1553539000

1580055000

1717875000

9439000

10103000

<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 on loans 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 or portion of loans charged-off as uncollectible. <div> Arriving at an appropriate level of allowance involves a high degree of judgment. The determination of the adequacy of the allowance and provisioning for estimated losses is evaluated regularly based on a review of loans with particular emphasis on non-performing or other loans that management believes warrant special consideration. The ongoing evaluation process includes a formal analysis, which considers among other factors: the nature of the loan portfolios, business and economic conditions, real estate market conditions, collateral values, changes in product offerings or loan terms, loan growth, experience, ability, and depth of management, changes in underwriting and/or collection policies and procedures, changes in volumes of loan portfolios and speed of loan portfolio growth, concentrations to industries or individual borrowers, external factors including industry or regulatory changes, historical charge-off experience, delinquency trends, non-performing loan trends, the performance of individual loans in relation to contract terms, loan loss emergence periods, and estimated fair values of collateral. The allowance consists of allowances established for specific loans including impaired loans, and allowances on pools of loans based on historical charge-offs by loan types adjusted by qualitative factors to reflect current economic conditions, industry specific risks, and other observable data.</div> 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 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

32435000

97608000

15869000

6564000

16109000

533750000

387838000

538551000

47640000

484347000

990070000

1088243000

980631000

1078140000

2698000

16000

1111000

292000

1279000

2754000

637000

276000

1841000

4282000

10000

820000

3452000

3648000

117000

102000

3429000

<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 following table summarizes the composition of the loan portfolio as of September 30, 2016, and December 31, 2015:</div></div></div> <div> <div> <div> LOAN PORTFOLIO SUMMARY <div> <table style="height: 449px; width: 628px;" cellspacing="0" border="0"> <tr><td width="53%"> </td> <td width="3%"> </td> <td width="15%"> </td> <td width="3%"> </td> <td width="3%"> </td> <td width="15%"> </td> <td width="3%"> </td></tr> <tr valign="bottom"><td width="53%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="center">September 30,</td> <td width="3%" align="center"> </td> <td width="3%" align="center"> </td> <td width="15%" align="center">December 31,</td> <td width="3%" align="left"> </td></tr> <tr valign="bottom"><td width="53%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="center">2016</td> <td width="3%" align="center"> </td> <td width="3%" align="center"> </td> <td width="15%" align="center">2015</td> <td width="3%" align="left"> </td></tr> <tr><td width="95%" colspan="7"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Commercial real estate mortgages</td> <td width="3%" align="right">$</td> <td width="15%" align="right">387,838</td> <td width="3%" align="left"> </td> <td width="3%" align="right">$</td> <td width="15%" align="right">371,002</td> <td width="3%" align="left"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Commercial and industrial</td> <td width="3%" align="right"> </td> <td width="15%" align="right">97,608</td> <td width="3%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="right">79,911</td> <td width="3%" align="left"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Commercial construction and land development</td> <td width="3%" align="right"> </td> <td width="15%" align="right">15,869</td> <td width="3%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="right">24,926</td> <td width="3%" align="left"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Agricultural and other loans to farmers</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">32,435</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="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="right">31,003</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="53%" align="left">Total commercial loans</td> <td width="3%" align="right"> </td> <td width="15%" align="right">533,750</td> <td width="3%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="right">506,842</td> <td width="3%" align="left"> </td></tr> <tr><td width="95%" colspan="7"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Residential real estate mortgages</td> <td width="3%" align="right"> </td> <td width="15%" align="right">484,347</td> <td width="3%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="right">408,401</td> <td width="3%" align="left"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Home equity loans</td> <td width="3%" align="right"> </td> <td width="15%" align="right">47,640</td> <td width="3%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="right">51,530</td> <td width="3%" align="left"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Other consumer loans</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">6,564</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="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="right">7,949</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="53%" align="left">Total consumer loans</td> <td width="3%" align="right"> </td> <td width="15%" align="right">538,551</td> <td width="3%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="right">467,880</td> <td width="3%" align="left"> </td></tr> <tr><td width="95%" colspan="7"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Tax exempt loans</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">16,109</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="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="right">15,244</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"> </td></tr> <tr><td width="95%" colspan="7"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="53%" align="left">Net deferred loan costs and fees</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">(167</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="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="right">104</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Total loans</td> <td width="3%" align="right"> </td> <td width="15%" align="right">1,088,243</td> <td width="3%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="right">990,070</td> <td width="3%" align="left"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Allowance for loan losses</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">(10,103</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="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="right">(9,439</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">)</td></tr> <tr valign="bottom"><td width="53%" align="left">Total loans net of allowance for loan losses</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="15%" align="right">1,078,140</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="15%" align="right">980,631</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"> </td></tr></table></div></div> <div> <div style="padding-left: 0%; padding-right: 0%;">   <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 regular 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 September 30, 2016, approximately 32% 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 September 30, 2016, and December 31, 2015. <div> <div> <div> <div align="left"> <div> <div> <div> TOTAL NON-PERFORMING LOANS <div> <table style="height: 377px; width: 599px;" cellspacing="0" border="0"> <tr><td width="61%"> </td> <td width="3%"> </td> <td width="15%"> </td> <td width="3%"> </td> <td width="15%"> </td></tr> <tr valign="bottom"><td width="61%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="center">September 30,</td> <td width="3%" align="center"> </td> <td width="15%" align="center">December 31,</td></tr> <tr valign="bottom"><td width="61%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" 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="61%" align="left">Commercial real estate mortgages</td> <td width="3%" align="right">$</td> <td width="15%" align="right">1,841</td> <td width="3%" align="right">$</td> <td width="15%" align="right">1,279</td></tr> <tr valign="bottom"><td width="61%" align="left">Commercial and industrial loans</td> <td width="3%" align="right"> </td> <td width="15%" align="right">276</td> <td width="3%" align="right"> </td> <td width="15%" align="right">292</td></tr> <tr valign="bottom"><td width="61%" align="left">Commercial construction and land development</td> <td width="3%" align="right"> </td> <td width="15%" align="right">637</td> <td width="3%" align="right"> </td> <td width="15%" align="right">1,111</td></tr> <tr valign="bottom"><td width="61%" align="left">Agricultural and other loans to farmers</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">---</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">16</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="61%" align="left">Total commercial loans</td> <td width="3%" align="right"> </td> <td width="15%" align="right">2,754</td> <td width="3%" align="right"> </td> <td width="15%" align="right">2,698</td></tr> <tr><td width="97%" colspan="5"> </td></tr> <tr valign="bottom"><td width="61%" align="left">Residential real estate mortgages</td> <td width="3%" align="right"> </td> <td width="15%" align="right">3,429</td> <td width="3%" align="right"> </td> <td width="15%" align="right">3,452</td></tr> <tr valign="bottom"><td width="61%" align="left">Home equity loans</td> <td width="3%" align="right"> </td> <td width="15%" align="right">102</td> <td width="3%" align="right"> </td> <td width="15%" align="right">820</td></tr> <tr valign="bottom"><td width="61%" align="left">Other consumer loans</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">117</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">10</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="61%" align="left">Total consumer loans</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">3,648</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">4,282</td></tr> <tr><td width="97%" colspan="5"> </td></tr> <tr valign="bottom"><td width="61%" align="left">Total non-accrual loans</td> <td width="3%" align="right"> </td> <td width="15%" align="right">6,402</td> <td width="3%" align="right"> </td> <td width="15%" align="right">6,980</td></tr> <tr valign="bottom"><td width="61%" align="left">Accruing loans contractually past due 90 days or more</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">---</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">28</td></tr> <tr valign="bottom"><td width="61%" align="left">Total non-performing loans</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="15%" align="right">6,402</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="15%" align="right">7,008</td></tr></table></div></div></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 nine months ended September 30, 2016 and 2015 follows:   <div> <div> <div> <div> <div> <div align="left"> <div> <div> <div> <div> <div> <div> <div> <div> <table style="height: 385px; width: 769px;" 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></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="40%" colspan="6" align="center">For the Three Months Ended</td> <td width="38%" colspan="5" align="center">For the Nine Months Ended</td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="40%" colspan="6" align="center">September 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="38%" colspan="5" align="center">September 30, 2016</td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Pre-</td> <td width="2%" align="center"> </td> <td style="text-indent: 8px;" width="12%" align="center">Post-</td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Pre-</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Post-</td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Modification</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Modification</td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Modification</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Modification </td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Outstanding</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Outstanding</td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Outstanding</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Outstanding</td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center">Number</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Recorded</td> <td width="10%" align="center">Number</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Recorded</td></tr> <tr valign="bottom"><td width="24%" 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">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="12%" 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="12%" align="center">Investment</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" 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="12%" 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="12%" align="center">Investment</td></tr> <tr><td width="102%" colspan="12"> </td></tr> <tr valign="bottom"><td width="24%" align="left">Commercial real estate mortgages</td> <td width="2%" align="right"> </td> <td style="text-indent: 5px;" width="10%" align="right">2</td> <td width="2%" align="right">$</td> <td width="12%" align="right">936</td> <td width="2%" align="right">$</td> <td width="12%" align="right">915</td> <td width="10%" align="right">5</td> <td width="2%" align="right">$</td> <td width="12%" align="right">1,361</td> <td width="2%" align="right">$</td> <td width="12%" align="right">1,326</td></tr> <tr valign="bottom"><td width="24%" align="left">Commercial and industrial loans</td> <td width="2%" align="right"> </td> <td style="text-indent: 5px;" width="10%" align="right">2</td> <td width="2%" align="right"> </td> <td width="12%" align="right">51</td> <td width="2%" align="right"> </td> <td width="12%" align="right">51</td> <td width="10%" align="right">2</td> <td width="2%" align="right"> </td> <td width="12%" align="right">51</td> <td width="2%" align="right"> </td> <td width="12%" align="right">51</td></tr> <tr valign="bottom"><td width="24%" 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: 5px;" 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="12%" 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="12%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">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="12%" 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="12%" align="right">24</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="24%" align="left">Total commercial loans</td> <td width="2%" align="right"> </td> <td style="text-indent: 5px;" width="10%" align="right">4</td> <td width="2%" align="right"> </td> <td width="12%" align="right">987</td> <td width="2%" align="right"> </td> <td width="12%" align="right">966</td> <td width="10%" align="right">9</td> <td width="2%" align="right"> </td> <td width="12%" align="right">1,442</td> <td width="2%" align="right"> </td> <td width="12%" align="right">1,401</td></tr> <tr><td width="102%" colspan="12"> </td></tr> <tr valign="bottom"><td width="24%" align="left">Other 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; text-indent: 5px;" width="10%" align="right">1</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right">9</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right">9</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">1</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right">9</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right">9</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="24%" 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; text-indent: 5px;" width="10%" 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="12%" align="right">9</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="right">9</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" 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="12%" align="right">9</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="right">9</td></tr> <tr><td width="102%" colspan="12"> </td></tr> <tr valign="bottom"><td width="24%" 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; text-indent: 5px;" width="10%" align="right">5</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">996</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">975</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">10</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">1,451</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">1,410</td></tr></table> <div> <table style="height: 347px; width: 768px;" 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 width="24%" align="left"> </td> <td width="38%" colspan="5" align="center">For the Three Months Ended</td> <td width="38%" colspan="5" align="center">For the Nine Months Ended</td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="38%" colspan="5" align="center">September 30, 2015</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="38%" colspan="5" align="center">September 30, 2015</td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Pre-</td> <td width="2%" align="center"> </td> <td style="text-indent: 8px;" width="12%" align="center">Post-</td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Pre-</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Post-</td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Modification</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Modification</td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center"> Modification</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Modification </td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Outstanding</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Outstanding</td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Outstanding</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Outstanding</td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="10%" align="center">Number</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Recorded</td> <td width="10%" align="center">Number</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Recorded</td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" 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="12%" 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="12%" align="center">Investment</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" 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="12%" 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="12%" align="center">Investment</td></tr> <tr><td width="100%" colspan="11"> </td></tr> <tr valign="bottom"><td width="24%" align="left">Commercial real estate mortgages</td> <td style="text-indent: 3px;" width="10%" align="right">3</td> <td width="2%" align="right">$</td> <td width="12%" align="right">214</td> <td width="2%" align="right">$</td> <td width="12%" align="right">226</td> <td width="10%" align="right">3</td> <td width="2%" align="right">$</td> <td width="12%" align="right">214</td> <td width="2%" align="right">$</td> <td width="12%" align="right">226</td></tr> <tr valign="bottom"><td width="24%" align="left">Agricultural and other loans to farmers</td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" 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="12%" 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="12%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" 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="12%" 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="12%" align="right">16</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="24%" align="left">Total commercial loans</td> <td style="text-indent: 3px;" width="10%" align="right">3</td> <td width="2%" align="right"> </td> <td width="12%" align="right">214</td> <td width="2%" align="right"> </td> <td width="12%" align="right">226</td> <td width="10%" align="right">4</td> <td width="2%" align="right"> </td> <td width="12%" align="right">232</td> <td width="2%" align="right"> </td> <td width="12%" align="right">242</td></tr> <tr><td width="100%" colspan="11"> </td></tr> <tr valign="bottom"><td width="24%" align="left">Residential real estate mortgages</td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="10%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">3</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right">1,267</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right">1,266</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="24%" align="left">Total consumer loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" 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="12%" 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="12%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" 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="12%" align="right">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="12%" align="right">1,266</td></tr> <tr><td width="100%" colspan="11"> </td></tr> <tr valign="bottom"><td width="24%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" width="10%" align="right">3</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">214</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">226</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">7</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">1,499</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">1,508</td></tr></table></div></div></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 nine months ended September 30, 2016 and 2015: <div> <div> <div> <div align="left"> <div align="left"> <div> <div> <table style="height: 286px; width: 710px;" 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 width="38%" 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="25%" colspan="3" align="center">September 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="22%" colspan="3" align="center">September 30, 2015</td></tr> <tr valign="bottom"><td width="38%" align="left"> </td> <td width="2%" align="right"> </td> <td width="12%" align="center">Three Months</td> <td width="2%" align="center"> </td> <td width="11%" align="center">Nine Months</td> <td width="2%" align="center"> </td> <td width="10%" align="center">Three Months</td> <td width="2%" align="center"> </td> <td width="10%" align="center">Nine Months</td></tr> <tr valign="bottom"><td width="38%" 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="12%" align="center">Ended</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">Ended</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">Ended</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">Ended</td></tr> <tr><td width="89%" colspan="9"> </td></tr> <tr valign="bottom"><td width="38%" align="left">Extended maturity and adjusted interest rate</td> <td width="2%" align="right">$</td> <td width="12%" align="right">---</td> <td width="2%" align="right">$</td> <td width="11%" align="right">---</td> <td width="2%" align="right">$</td> <td width="10%" align="right">118</td> <td width="2%" align="right">$</td> <td width="10%" align="right">134</td></tr> <tr valign="bottom"><td width="38%" align="left">Extended maturity and adjusted payment</td> <td width="2%" align="right"> </td> <td width="12%" align="right">60</td> <td width="2%" align="right"> </td> <td width="11%" align="right">468</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></tr> <tr valign="bottom"><td width="38%" align="left">Adjusted payment</td> <td width="2%" align="right"> </td> <td width="12%" align="right">915</td> <td width="2%" align="right"> </td> <td width="11%" align="right">915</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">607</td></tr> <tr valign="bottom"><td width="38%" align="left">Adjusted payment and capitalized interest</td> <td width="2%" align="right"> </td> <td width="12%" align="right">---</td> <td width="2%" align="right"> </td> <td width="11%" 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">187</td></tr> <tr valign="bottom"><td width="38%" align="left">Extended maturity, adjusted interest rate</td> <td width="2%" align="right"> </td> <td width="12%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" 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></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="38%" align="left">and adjusted payment</td> <td width="2%" align="right"> </td> <td width="12%" align="right">---</td> <td width="2%" align="right"> </td> <td width="11%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">108</td> <td width="2%" align="right"> </td> <td width="10%" align="right">580</td></tr> <tr valign="bottom"><td width="38%" align="left">Other concessions</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="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">27</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></tr> <tr valign="bottom"><td width="38%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">975</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">1,410</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">226</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">1,508</td></tr></table></div></div></div></div> <div align="left"> As of September 30, 2016, the Bank had $4,323 of loans outstanding to 26 relationships that were classified as TDRs. These loans consisted of twelve commercial real estate loans, eight real estate secured loans, five commercial and industrial loans, four agricultural loans, and two other consumer loans. At September 30, 2016, fourteen of these TDRs totaling $1,403 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 nine months ended September 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 September 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> <div> <table style="height: 404px; width: 861px;" cellspacing="0" border="0"> <tr valign="bottom"><td width="17%" align="left"> </td> <td width="2%" align="right"> </td> <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="8%" 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"> </td> <td width="2%" align="center"> </td> <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="8%" align="center">>90 Days</td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="17%" align="left">September 30, 2016</td> <td width="2%" align="right"> </td> <td width="8%" align="center">30-59</td> <td width="2%" align="center"> </td> <td width="8%" align="center">60-89</td> <td width="2%" align="center"> </td> <td width="8%" align="center">90Days</td> <td width="2%" align="center"> </td> <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="8%" 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">Past Due</td></tr> <tr valign="bottom"><td width="17%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="center">Days</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Days</td> <td width="2%" align="center"> </td> <td width="8%" align="center">or</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Total</td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Total</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Non-</td> <td width="2%" align="center"> </td> <td style="text-indent: 2px;" width="8%" align="center">and</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="17%" 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="center">Past Due</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">Past Due</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">Greater</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">Past Due</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">Current</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">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="8%" align="center">Accrual</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">Accruing</td></tr> <tr valign="bottom"><td width="17%" align="left">Commercial real</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="2%" align="right"> </td> <td width="8%" 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="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="left"> </td> <td width="8%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="17%" align="left">estate mortgages</td> <td width="2%" align="right">$</td> <td width="8%" align="right">281</td> <td width="2%" align="right">$</td> <td width="8%" align="right">163</td> <td width="2%" align="right">$</td> <td width="8%" align="right">869</td> <td width="2%" align="right">$</td> <td width="8%" align="right">1,313</td> <td width="2%" align="right">$</td> <td width="8%" align="right">386,525</td> <td width="2%" align="right">$</td> <td width="8%" align="right">387,838</td> <td width="2%" align="right">$</td> <td width="8%" align="right">1,841</td> <td width="2%" align="right">$</td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="17%" align="left">Commercial and industrial</td> <td width="2%" align="right"> </td> <td width="8%" align="right">43</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">190</td> <td width="2%" align="right"> </td> <td width="8%" align="right">233</td> <td width="2%" align="right"> </td> <td width="8%" align="right">97,375</td> <td width="2%" align="right"> </td> <td width="8%" align="right">97,608</td> <td width="2%" align="right"> </td> <td width="8%" align="right">276</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="17%" align="left">Commercial construction</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="17%" align="left">and land development</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">637</td> <td width="2%" align="right"> </td> <td width="8%" align="right">637</td> <td width="2%" align="right"> </td> <td width="8%" align="right">15,232</td> <td width="2%" align="right"> </td> <td width="8%" align="right">15,869</td> <td width="2%" align="right"> </td> <td width="8%" align="right">637</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="17%" align="left">Agricultural and other</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="17%" align="left">loans to farmers</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">29</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">29</td> <td width="2%" align="right"> </td> <td width="8%" align="right">32,406</td> <td width="2%" align="right"> </td> <td width="8%" align="right">32,435</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="17%" align="left">Residential real</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="17%" align="left">estate mortgages</td> <td width="2%" align="right"> </td> <td width="8%" align="right">720</td> <td width="2%" align="right"> </td> <td width="8%" align="right">409</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,084</td> <td width="2%" align="right"> </td> <td width="8%" align="right">2,213</td> <td width="2%" align="right"> </td> <td width="8%" align="right">482,134</td> <td width="2%" align="right"> </td> <td width="8%" align="right">484,347</td> <td width="2%" align="right"> </td> <td width="8%" align="right">3,429</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="17%" align="left">Home equity</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">39</td> <td width="2%" align="right"> </td> <td width="8%" align="right">40</td> <td width="2%" align="right"> </td> <td width="8%" align="right">47,600</td> <td width="2%" align="right"> </td> <td width="8%" align="right">47,640</td> <td width="2%" align="right"> </td> <td width="8%" align="right">102</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="17%" align="left">Other consumer loans</td> <td width="2%" align="right"> </td> <td width="8%" align="right">6</td> <td width="2%" align="right"> </td> <td width="8%" align="right">3</td> <td width="2%" align="right"> </td> <td width="8%" align="right">11</td> <td width="2%" align="right"> </td> <td width="8%" align="right">20</td> <td width="2%" align="right"> </td> <td width="8%" align="right">6,544</td> <td width="2%" align="right"> </td> <td width="8%" align="right">6,564</td> <td width="2%" align="right"> </td> <td width="8%" align="right">117</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="17%" align="left">Tax exempt</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="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="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="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="8%" align="right">16,109</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">16,109</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="8%" align="right">---</td></tr> <tr valign="bottom"><td width="17%" 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="right">1,051</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">604</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">2,830</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">4,485</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">1,083,925</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">1,088,410</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">6,402</td> <td style="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></tr></table></div></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 September 30, 2016 and December 31, 2015 follows: <div> <div> <div style="padding-left: 0%; padding-right: 0%;"> <div align="left"> <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 style="border-bottom: rgb(0,0,0) 1px solid;" width="36%" colspan="6" align="center">September 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="36%" colspan="6" align="center">December 31, 2015</td></tr> <tr valign="bottom"><td width="23%" 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="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></tr> <tr valign="bottom"><td width="23%" 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="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></tr> <tr valign="bottom"><td width="23%" 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 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></tr> <tr valign="bottom"><td width="23%" 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="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></tr> <tr valign="bottom"><td width="23%" align="left">Commercial real estate mortgages</td> <td width="2%" align="right">$</td> <td width="10%" align="right">3,308</td> <td width="2%" align="right">$</td> <td width="10%" align="right">3,396</td> <td width="2%" align="right">$</td> <td style="text-indent: 3px;" width="10%" align="right">---</td> <td width="2%" align="right">$</td> <td width="10%" align="right">1,692</td> <td width="2%" align="right">$</td> <td width="10%" align="right">1,736</td> <td width="2%" align="right">$</td> <td style="text-indent: 3px;" width="10%" align="right">---</td></tr> <tr valign="bottom"><td width="23%" align="left">Commercial and industrial</td> <td width="2%" align="right"> </td> <td width="10%" align="right">136</td> <td width="2%" align="right"> </td> <td width="10%" align="right">136</td> <td width="2%" align="right"> </td> <td width="10%" align="right"> </td> <td width="2%" align="right"> </td> <td width="10%" align="right">202</td> <td width="2%" align="right"> </td> <td width="10%" align="right">352</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td></tr> <tr valign="bottom"><td width="23%" 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="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></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="23%" 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="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="10%" align="right">---</td></tr> <tr valign="bottom"><td width="23%" align="left">Agricultural and other loans to farmers</td> <td width="2%" align="right"> </td> <td width="10%" align="right">122</td> <td width="2%" align="right"> </td> <td width="10%" align="right">122</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">106</td> <td width="2%" align="right"> </td> <td width="10%" align="right">106</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="10%" align="right">---</td></tr> <tr valign="bottom"><td width="23%" align="left">Residential real estate loans</td> <td width="2%" align="right"> </td> <td width="10%" align="right">1,223</td> <td width="2%" align="right"> </td> <td width="10%" align="right">1,340</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">1,332</td> <td width="2%" align="right"> </td> <td width="10%" align="right">1,362</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="10%" align="right">---</td></tr> <tr valign="bottom"><td width="23%" align="left">Home equity loans</td> <td width="2%" align="right"> </td> <td width="10%" align="right">16</td> <td width="2%" align="right"> </td> <td width="10%" align="right">16</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="10%" align="right">---</td> <td width="2%" align="right"> </td> <td width="10%" align="right">18</td> <td width="2%" align="right"> </td> <td width="10%" align="right">18</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="10%" align="right">---</td></tr> <tr valign="bottom"><td width="23%" 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; text-indent: 3px;" 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 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="10%" align="right">---</td></tr> <tr valign="bottom"><td width="23%" 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">4,805</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">5,010</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" width="10%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">3,350</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">3,574</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">---</td></tr> <tr><td width="95%" colspan="13"> </td></tr> <tr valign="bottom"><td width="23%" align="center">With an allowance:</td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td></tr> <tr valign="bottom"><td width="23%" align="left">Commercial real estate mortgages</td> <td width="2%" align="right">$</td> <td width="10%" align="right">659</td> <td width="2%" align="right">$</td> <td width="10%" align="right">659</td> <td width="2%" align="right">$</td> <td style="text-indent: 3px;" width="10%" align="right">40</td> <td width="2%" align="right">$</td> <td width="10%" align="right">531</td> <td width="2%" align="right">$</td> <td width="10%" align="right">531</td> <td width="2%" align="right">$</td> <td style="text-indent: 3px;" width="10%" align="right">43</td></tr> <tr valign="bottom"><td width="23%" align="left">Commercial and industrial</td> <td width="2%" align="right"> </td> <td width="10%" align="right">219</td> <td width="2%" align="right"> </td> <td width="10%" align="right">369</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="10%" align="right">174</td> <td width="2%" align="right"> </td> <td width="10%" align="right">224</td> <td width="2%" align="right"> </td> <td width="10%" align="right">374</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="10%" align="right">175</td></tr> <tr valign="bottom"><td width="23%" 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="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></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="23%" align="left">land development</td> <td width="2%" align="right"> </td> <td width="10%" align="right">637</td> <td width="2%" align="right"> </td> <td width="10%" align="right">2,562</td> <td width="2%" align="right"> </td> <td style="text-indent: 4px;" width="10%" align="right">60</td> <td width="2%" align="right"> </td> <td width="10%" align="right">1,111</td> <td width="2%" align="right"> </td> <td width="10%" align="right">3,036</td> <td width="2%" align="right"> </td> <td style="text-indent: 4px;" width="10%" align="right">58</td></tr> <tr valign="bottom"><td width="23%" 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="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></tr> <tr valign="bottom"><td width="23%" align="left">Residential real estate loans</td> <td width="2%" align="right"> </td> <td width="10%" align="right">495</td> <td width="2%" align="right"> </td> <td width="10%" align="right">495</td> <td width="2%" align="right"> </td> <td style="text-indent: 4px;" width="10%" align="right">87</td> <td width="2%" align="right"> </td> <td width="10%" align="right">515</td> <td width="2%" align="right"> </td> <td width="10%" align="right">515</td> <td width="2%" align="right"> </td> <td style="text-indent: 4px;" width="10%" align="right">97</td></tr> <tr valign="bottom"><td width="23%" 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="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></tr> <tr valign="bottom"><td width="23%" 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">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="10%" align="right">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; text-indent: 4px;" width="10%" 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="10%" 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="10%" 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="10%" align="right">---</td></tr> <tr valign="bottom"><td width="23%" 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">2,026</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">4,101</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="10%" align="right">371</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">2,389</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">4,464</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="10%" align="right">373</td></tr> <tr valign="bottom"><td width="23%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">6,831</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">9,111</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" width="10%" align="right">371</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">5,739</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" 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; text-indent: 3px;" width="10%" align="right">373</td></tr></table></div></div></div></div></div></div></div></div> <div> <div> <div> Details of impaired loans for the three and nine months ended September 30, 2016 and 2015 follows: <div> <div style="padding-left: 0%; padding-right: 0%;"> <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> <td> </td> <td> </td> <td> </td> <td> </td></tr> <tr valign="bottom"><td width="16%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="40%" colspan="8" align="center">September 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="40%" colspan="8" align="center">September 30, 2015</td></tr> <tr valign="bottom"><td width="16%" 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="18%" colspan="3" align="center">Three Months Ended</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="18%" colspan="3" align="center">Nine Months Ended</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="18%" colspan="3" align="center">Three Months Ended</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="18%" colspan="3" align="center">Nine Months Ended</td></tr> <tr><td width="96%" colspan="17" align="center"> </td></tr> <tr valign="bottom"><td width="16%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Average</td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Average</td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Average</td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Average</td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td></tr> <tr valign="bottom"><td width="16%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" 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="8%" 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="8%" 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="8%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Interest</td></tr> <tr valign="bottom"><td width="16%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" 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="8%" 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="8%" 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="8%" align="center">Investment</td> <td width="2%" align="center"> </td> <td width="8%" align="center"> Recorded</td></tr> <tr valign="bottom"><td width="16%" align="left">With no related allowance:</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="2%" align="right"> </td> <td width="8%" 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="2%" align="right"> </td> <td width="8%" 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></tr> <tr valign="bottom"><td width="16%" align="left">Commercial real</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="16%" align="left">estate mortgages</td> <td width="2%" align="right">$</td> <td width="8%" align="right">2,775</td> <td width="2%" align="right">$</td> <td width="8%" align="right">38</td> <td width="2%" align="right">$</td> <td width="8%" align="right">2,713</td> <td width="2%" align="right">$</td> <td width="8%" align="right">131</td> <td width="2%" align="right">$</td> <td width="8%" align="right">2,408</td> <td width="2%" align="right">$</td> <td width="8%" align="right">20</td> <td width="2%" align="right">$</td> <td width="8%" align="right">3,099</td> <td width="2%" align="right">$</td> <td width="8%" align="right">42</td></tr> <tr valign="bottom"><td width="16%" align="left">Commercial and industrial</td> <td width="2%" align="right"> </td> <td width="8%" align="right">138</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1</td> <td width="2%" align="right"> </td> <td width="8%" align="right">141</td> <td width="2%" align="right"> </td> <td width="8%" align="right">2</td> <td width="2%" align="right"> </td> <td width="8%" align="right">231</td> <td width="2%" align="right"> </td> <td width="8%" align="right">2</td> <td width="2%" align="right"> </td> <td width="8%" align="right">334</td> <td width="2%" align="right"> </td> <td width="8%" align="right">7</td></tr> <tr valign="bottom"><td width="16%" align="left">Commercial construction</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="16%" align="left">and land development</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Agricultural and other</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="16%" align="left">loans to farmers</td> <td width="2%" align="right"> </td> <td width="8%" align="right">124</td> <td width="2%" align="right"> </td> <td width="8%" align="right">3</td> <td width="2%" align="right"> </td> <td width="8%" align="right">131</td> <td width="2%" align="right"> </td> <td width="8%" align="right">8</td> <td width="2%" align="right"> </td> <td width="8%" align="right">123</td> <td width="2%" align="right"> </td> <td width="8%" align="right">3</td> <td width="2%" align="right"> </td> <td width="8%" align="right">155</td> <td width="2%" align="right"> </td> <td width="8%" align="right">7</td></tr> <tr valign="bottom"><td width="16%" align="left">Residential real</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="16%" align="left">estate mortgages</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,342</td> <td width="2%" align="right"> </td> <td width="8%" align="right">17</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,344</td> <td width="2%" align="right"> </td> <td width="8%" align="right">55</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,332</td> <td width="2%" align="right"> </td> <td width="8%" align="right">8</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,325</td> <td width="2%" align="right"> </td> <td width="8%" align="right">21</td></tr> <tr valign="bottom"><td width="16%" align="left">Home equity loans</td> <td width="2%" align="right"> </td> <td width="8%" align="right">16</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">17</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1</td> <td width="2%" align="right"> </td> <td width="8%" align="right">18</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">18</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1</td></tr> <tr valign="bottom"><td width="16%" 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="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="8%" 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="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="8%" 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="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="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="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="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" 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="8%" align="right">4,395</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">60</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">4,346</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">198</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">4,112</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">33</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">4,931</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">78</td></tr> <tr><td width="96%" colspan="17"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="16%" align="left">With an allowance:</td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td></tr> <tr valign="bottom"><td width="16%" align="left">Commercial real</td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="16%" align="left">estate mortgages</td> <td width="2%" align="right">$</td> <td width="8%" align="right">533</td> <td width="2%" align="right">$</td> <td width="8%" align="right">---</td> <td width="2%" align="right">$</td> <td width="8%" align="right">551</td> <td width="2%" align="right">$</td> <td width="8%" align="right">---</td> <td width="2%" align="right">$</td> <td width="8%" align="right">405</td> <td width="2%" align="right">$</td> <td width="8%" align="right">---</td> <td width="2%" align="right">$</td> <td width="8%" align="right">405</td> <td width="2%" align="right">$</td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Commercial and industrial</td> <td width="2%" align="right"> </td> <td width="8%" align="right">220</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</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">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">226</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">228</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Commercial construction</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="16%" align="left">and land development</td> <td width="2%" align="right"> </td> <td width="8%" align="right">809</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">928</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,260</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,260</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Agricultural and other</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="16%" align="left">loans to farmers</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Residential real</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="16%" align="left">estate mortgages</td> <td width="2%" align="right"> </td> <td width="8%" align="right">496</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">331</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">348</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">346</td> <td width="2%" align="right"> </td> <td style="text-indent: 3px;" width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Home equity loans</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" 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="8%" align="right">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="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="8%" align="right">17</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="8%" 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 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">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></tr> <tr valign="bottom"><td width="16%" 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="8%" align="right">2,074</td> <td style="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="8%" align="right">2,048</td> <td style="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="8%" align="right">2,249</td> <td style="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="8%" align="right">2,249</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">---</td></tr> <tr><td width="96%" colspan="17"> </td></tr> <tr valign="bottom"><td width="16%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">6,469</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">60</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">6,394</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">198</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">6,361</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">33</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">7,180</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="8%" align="right">78</td></tr></table></div></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 September 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 evaluated for credit quality after origination based on delinquency status (see past due loan aging table above).   <div> <div> <div> <div> <div> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="19%" align="left"> </td> <td width="2%" align="right"> </td> <td width="13%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center"> </td> <td width="2%" align="center"> </td> <td width="14%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="14%" align="center">Agricultural</td> <td width="2%" align="center"> </td> <td width="12%" align="center"> </td></tr> <tr valign="bottom"><td width="19%" align="left"> </td> <td width="2%" align="right"> </td> <td width="13%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Commercia</td> <td width="2%" align="center"> </td> <td width="14%" align="center">construction</td> <td width="2%" align="center"> </td> <td width="14%" align="center">and other</td> <td width="2%" align="center"> </td> <td width="12%" align="center"> </td></tr> <tr valign="bottom"><td width="19%" align="left"> </td> <td width="2%" align="right"> </td> <td width="13%" align="center">real estate</td> <td width="2%" align="center"> </td> <td width="12%" align="center">l and</td> <td width="2%" align="center"> </td> <td width="14%" align="center">and land</td> <td width="2%" align="center"> </td> <td width="14%" align="center">loans to</td> <td width="2%" align="center"> </td> <td width="12%" align="center"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="19%" align="left">September 30, 2016</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">mortgages</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">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="14%" 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="14%" align="center">farmers</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="12%" align="center">Total</td></tr> <tr valign="bottom"><td width="19%" align="left">Pass</td> <td width="2%" align="right">$</td> <td width="13%" align="right">361,326</td> <td width="2%" align="right">$</td> <td width="12%" align="right">93,652</td> <td width="2%" align="right">$</td> <td width="14%" align="right">15,232</td> <td width="2%" align="right">$</td> <td width="14%" align="center">31,882</td> <td width="2%" align="right">$</td> <td width="12%" align="right">502,092</td></tr> <tr valign="bottom"><td width="19%" align="left">Other Assets Especially</td> <td width="2%" align="right"> </td> <td width="13%" align="left"> </td> <td width="2%" align="right"> </td> <td width="12%" align="left"> </td> <td width="2%" align="right"> </td> <td width="14%" align="left"> </td> <td width="2%" align="right"> </td> <td width="14%" align="left"> </td> <td width="2%" align="right"> </td> <td width="12%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="19%" align="left">Mentioned</td> <td width="2%" align="right"> </td> <td width="13%" align="right">11,404</td> <td width="2%" align="right"> </td> <td width="12%" align="right">1,680</td> <td width="2%" align="right"> </td> <td width="14%" align="right">---</td> <td width="2%" align="right"> </td> <td width="14%" align="right">279</td> <td width="2%" align="right"> </td> <td width="12%" align="right">13,363</td></tr> <tr valign="bottom"><td width="19%" align="left">Substandard</td> <td width="2%" align="right"> </td> <td width="13%" align="right">15,108</td> <td width="2%" align="right"> </td> <td width="12%" align="right">2,274</td> <td width="2%" align="right"> </td> <td width="14%" align="right">637</td> <td width="2%" align="right"> </td> <td width="14%" align="right">274</td> <td width="2%" align="right"> </td> <td width="12%" align="right">18,293</td></tr> <tr valign="bottom"><td width="19%" align="left">Doubtful</td> <td width="2%" align="right"> </td> <td width="13%" align="right">---</td> <td width="2%" align="right"> </td> <td width="12%" align="right">---</td> <td width="2%" align="right"> </td> <td width="14%" align="right">---</td> <td width="2%" align="right"> </td> <td width="14%" align="center">---</td> <td width="2%" align="right"> </td> <td width="12%" align="right">---</td></tr> <tr valign="bottom"><td width="19%" align="left">Loss</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="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="12%" align="right">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="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="14%" 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="right">2</td></tr> <tr valign="bottom"><td width="19%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="right">387,838</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">97,608</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="right">15,869</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="center">32,435</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="12%" align="right">533,750</td></tr></table></div></div></div> <div> </div></div></div></div></div></div> <div> <div> <div> <div> <div> <div> <div> <div> <table style="height: 224px; width: 685px;" 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 nine months ended September 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> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="10%" align="left"> </td> <td width="2%" align="right"> </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">Commercial</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="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="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" align="center">Construction</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="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="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="center">Three Months Ended</td> <td width="2%" align="right"> </td> <td width="6%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" 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="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">Residential</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">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="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="center">September 30, 2016</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">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">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="6%" 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="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="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">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="6%" 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="6%" align="center">Total</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">Beginning Balance</td> <td width="2%" align="right">$</td> <td width="6%" align="right">4,665</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">1,267</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">195</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">383</td> <td width="2%" align="left"> </td> <td width="2%" align="left">$</td> <td width="6%" align="right">2,683</td> <td width="2%" align="left"> </td> <td width="2%" align="left">$</td> <td width="6%" align="right">100</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">547</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">51</td> <td width="2%" align="right">$</td> <td width="6%" align="right">9,891</td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">Charged Off</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(99</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="right">(19</td> <td width="2%" align="left">)</td> <td width="2%" align="left"> </td> <td width="6%" align="right">(2</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</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="6%" align="right">(120</td> <td width="2%" align="left">)</td></tr> <tr valign="bottom"><td width="10%" align="left">Recoveries</td> <td width="2%" align="right"> </td> <td width="6%" align="right">22</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">151</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">5</td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="right">8</td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="right">4</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">3</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="6%" align="right">193</td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" 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">321</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">(85</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">(53</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">(34</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="left"> </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="left"> </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="6%" 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="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="6%" 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="6%" align="right">139</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">Ending Balance</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">4,909</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,333</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">142</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">354</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="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,680</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">118</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">515</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">52</td> <td style="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">10,103</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr></table></div> </div></div></div> <div> <div> <div> <div> <div> <div> <div> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="10%" align="left"> </td> <td width="2%" align="right"> </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">Commercial</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="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="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" align="center">Construction</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="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="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="center"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="10%" align="left">Nine Months Ended</td> <td width="2%" align="right"> </td> <td width="6%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">and</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td style="text-indent: 1px;" width="6%" align="center">and land</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="6%" align="center">Residential</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">Home</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td style="text-indent: 1px;" width="6%" align="center">Tax</td> <td width="2%" align="center"> </td> <td width="6%" 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: 1px;" width="10%" align="left">September 30, 2016</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">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">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="6%" 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="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">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="6%" 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="6%" 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="10%" align="left">Beginning Balance</td> <td width="2%" align="right">$</td> <td width="6%" align="right">4,246</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">1,236</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">184</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">307</td> <td width="2%" align="left">$</td> <td width="6%" align="right">2,747</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">111</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">561</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">47</td> <td width="2%" align="left">$</td> <td width="6%" align="right">9,439</td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">Charged Off</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(133</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="6%" align="right">(141</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(19</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="6%" align="right">(383</td> <td width="2%" align="left">)</td></tr> <tr valign="bottom"><td width="10%" align="left">Recoveries</td> <td width="2%" align="right"> </td> <td width="6%" align="right">35</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">155</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">45</td> <td width="2%" align="left"> </td> <td width="6%" align="right">36</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">17</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">5</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="6%" align="right">293</td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" 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">761</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">32</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">(42</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">2</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="6%" align="right">38</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">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="6%" align="right">(51</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">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="6%" align="right">754</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">Ending Balance</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">4,909</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,333</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">142</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">354</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,680</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">118</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">515</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">52</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="6%" align="right">10,103</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="96%" colspan="26"> </td></tr> <tr valign="bottom"><td width="10%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr><td width="96%" colspan="26"> </td></tr> <tr valign="bottom"><td width="10%" align="left">Amount for loans</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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">individually evaluated</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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">for 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">40</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">174</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">60</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">87</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">10</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">371</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="96%" colspan="26"> </td></tr> <tr valign="bottom"><td width="10%" align="left">Amount for loans</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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">collectively evaluated</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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">for impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">4,869</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,159</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">82</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">354</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,593</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">118</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">505</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">52</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="6%" align="right">9,732</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="96%" colspan="26"> </td></tr> <tr valign="bottom"><td width="10%" align="left">Loans individually</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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">evaluated for</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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="10%" 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">3,967</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">355</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">637</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">122</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,718</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">16</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">16</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">6,831</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="96%" colspan="26"> </td></tr> <tr valign="bottom"><td width="10%" align="left">Loans collectively</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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">evaluated for</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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" 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="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="10%" align="left">impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">383,871</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">97,253</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">15,232</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">32,313</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">482,629</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">6,548</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">47,624</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">16,109</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="6%" align="right">1,081,579</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </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 width="11%" align="left"> </td> <td width="2%" align="right"> </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">Commercial</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="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="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="11%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" align="center">Construction</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="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="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="11%" align="left">Three Months Ended</td> <td width="2%" align="right"> </td> <td width="6%" align="center">Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" 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="6%" align="center"> </td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">Residential</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">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="2%" align="center"> </td> <td width="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="11%" align="center">September 30, 2015</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">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">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="6%" 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="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="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">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="6%" 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="2%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="center">Total </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="11%" align="left">Beginning Balance</td> <td width="2%" align="right">$</td> <td width="6%" align="right">4,289</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">1,147</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">145</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">372</td> <td width="2%" align="left"> </td> <td width="2%" align="left">$</td> <td width="6%" align="right">2,485</td> <td width="2%" align="left"> </td> <td width="2%" align="left">$</td> <td width="6%" align="right">110</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">472</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">79</td> <td width="2%" align="left"> </td> <td width="2%" align="left">$</td> <td width="6%" align="right">9,099</td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="11%" align="left">Charged Off</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(461</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(22</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">(54</td> <td width="2%" align="left">)</td> <td width="2%" align="left"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="right">(23</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(25</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="right">(585</td> <td width="2%" align="left">)</td></tr> <tr valign="bottom"><td width="11%" align="left">Recoveries</td> <td width="2%" align="right"> </td> <td width="6%" align="right">58</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">31</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">3</td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="right">6</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="left"> </td> <td width="6%" align="right">98</td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="11%" 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">600</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">(49</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">(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">28</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="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">(182</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="left"> </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="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">34</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">(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="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="6%" align="right">425</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="11%" align="left">Ending Balance</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">4,486</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,107</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">133</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">349</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="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,303</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">104</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">481</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">74</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="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">9,037</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr></table></div></div> <div> <div> <table cellspacing="0" border="0"> <tr><td width="9%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td> <td width="6%"> </td> <td width="2%"> </td></tr> <tr valign="bottom"><td width="9%" align="left"> </td> <td width="2%" align="right"> </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">Commercial</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="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="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" 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="6%" align="center">Construction</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="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="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">Nine Months Ended</td> <td width="2%" align="left"> </td> <td width="6%" align="center"> Commercial</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td width="6%" align="center">and</td> <td width="2%" align="center"> </td> <td width="2%" align="center"> </td> <td style="text-indent: 1px;" width="6%" align="center">and land</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">Residential</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">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="6%" align="center"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="9%" align="left">September 30, 2015</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">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">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="6%" 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="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="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">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="6%" 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="6%" align="center">Total</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">Beginning Balance</td> <td width="2%" align="right">$</td> <td width="6%" align="right">4,468</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">929</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">145</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">277</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">2,714</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">94</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">271</td> <td width="2%" align="left"> </td> <td width="2%" align="right">$</td> <td width="6%" align="right">71</td> <td width="2%" align="right">$</td> <td width="6%" align="right">8,969</td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">Charged Off</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(667</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(310</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">(72</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(70</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(48</td> <td width="2%" align="left">)</td> <td width="2%" align="right"> </td> <td width="6%" align="right">(376</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="6%" align="right">(1,543</td> <td width="2%" align="left">)</td></tr> <tr valign="bottom"><td width="9%" align="left">Recoveries</td> <td width="2%" align="right"> </td> <td width="6%" align="right">97</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">33</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">15</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">129</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">17</td> <td width="2%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="right">---</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="6%" align="right">291</td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" 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">588</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">455</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">(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">129</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">(470</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">41</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">586</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">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="6%" align="right">1,320</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">Ending Balance</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">4,486</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,107</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">133</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">349</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,303</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">104</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">481</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">74</td> <td style="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">9,037</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="97%" colspan="27"> </td></tr> <tr valign="bottom"><td width="9%" 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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr><td width="97%" colspan="27"> </td></tr> <tr valign="bottom"><td width="9%" align="left">Amount for loans</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">individually</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="9%" align="left">evaluated for</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="9%" 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">39</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">176</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">24</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 1px;" width="6%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">52</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">291</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="97%" colspan="27"> </td></tr> <tr valign="bottom"><td width="9%" align="left">Amount for loans</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="9%" align="left">collectively</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">evaluated</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">for impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">4,447</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">931</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">109</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">349</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">2,251</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">104</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">481</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">74</td> <td style="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">8,746</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="97%" colspan="27"> </td></tr> <tr valign="bottom"><td width="9%" align="left">Loans individually</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="9%" align="left">evaluated</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">for 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">1,988</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">437</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,260</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">108</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">1,650</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">9</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">18</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">5,470</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr> <tr><td width="97%" colspan="27"> </td></tr> <tr valign="bottom"><td width="9%" align="left">Loans collectively</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">evaluated</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="6%" 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="left"> </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="6%" 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="left"> </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="6%" align="left"> </td> <td width="2%" align="right"> </td> <td width="6%" align="left"> </td> <td width="2%" align="left"> </td></tr> <tr valign="bottom"><td width="9%" align="left">for impairment</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">370,529</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">77,451</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">23,894</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">32,412</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">389,418</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">10,138</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">51,272</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="6%" align="right">15,319</td> <td style="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">970,433</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="left"> </td></tr></table></div></div></div></div> <div> <div> <div> <div> <div> <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 September 30, 2016, and December 31, 2015, loans to the lodging industry amounted to approximately $123,946 and $98,231, respectively. </div></div></div></div></div></div> </div>

989966000

31003000

24926000

9698000

15244000

79911000

371002000

51530000

406652000

1088410000

32435000

15869000

6564000

16109000

97608000

387838000

47640000

484347000

4575000

2852000

97816000

124113000

-109996000

-131144000

14716000

11882000

11685000

-19000

784000

3931000

12349000

-14000

2918000

3632000

<div> Note 4: Recent Accounting Pronouncements ASU 2014-09, "Revenue from Contracts with Customers (Topic 606)." The ASU creates a new topic, Topic 606, to provide guidance on revenue recognition for entities that enter into contracts with customers to transfer goods or services or enter into contracts for the transfer of nonfinancial assets. The core principle of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. Additional disclosures are required to provide quantitative and qualitative information regarding the nature, amount, timing, and uncertainty of revenue and cash flows arising from contracts with customers. The new guidance is effective for annual reporting periods, and interim reporting periods within those annual periods, beginning after December 15, 2017. Early adoption is not permitted. The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements. 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, 2018, 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 de-designation 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 2016-08, "Revenue from Contracts with Customers (Topic 606): Principal versus Agent Considerations (Reporting Revenue Gross versus Net)." This ASU amends the principal-versus-agent implementation guidance and illustrations in the FASB's new revenue standard (ASU 2014-09) and clarifies that an entity should evaluate whether it is the principal or the agent for each specified good or service promised in a contract with a customer. The ASU has the same effective date as the new revenue standard (as amended by the one-year deferral and the early adoption provisions in ASU 2015-14 delaying the effective date to fiscal years, and interim periods within those fiscal years, beginning after December 15, 2017). In addition, entities are required to adopt the ASU by using the same transition method they used to adopt the new revenue standard. The Company is currently assessing the impact ASU 2016-08 will have on its consolidated financial statements. ASU 2016-09, "Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting." Under ASU 2016-09 all excess tax benefits and tax deficiencies related to share-based payment awards should be recognized as income tax expense or benefit in the income statement during the period in which they occur. Previously, such amounts were recorded in the pool of excess tax benefits included in additional paid-in capital, if such pool was available. Because excess tax benefits are no longer recognized in additional paid-in capital, the assumed proceeds from applying the treasury stock method when computing earnings per share should exclude the amount of excess tax benefits that would have previously been recognized in additional paid-in capital. Additionally, excess tax benefits should be classified along with other income tax cash flows as an operating activity rather than a financing activity, as was previously the case. ASU 2016-09 also provides that an entity can make an entity-wide accounting policy election to either estimate the number of awards that are expected to vest (current GAAP) or account for forfeitures when they occur. ASU 2016-09 changes the threshold to qualify for equity classification (rather than as a liability) to permit withholding up to the maximum statutory tax rates (rather than the minimum as was previously the case) in the applicable jurisdictions. ASU 2016-09 will be effective on January 1, 2017 and is not expected to have a significant impact on 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, 2019, including interim periods within those fiscal years. The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements. </div>

86577000

115376000

22754000

7820000

25478000

8750000

6873000

2028000

10314000

3372000

980631000

975610000

1078140000

1079757000

506842000

31003000

24926000

1000

79911000

371002000

98231000

474116000

10253000

22472000

30688000

168000

147000

23460000

355000

1111000

1000

74771000

2349000

2790000

345197000

7381000

18424000

533750000

32435000

15869000

2000

97608000

387838000

123946000

502092000

13363000

18293000

31882000

279000

274000

15232000

637000

2000

93652000

1680000

2274000

361326000

11404000

15108000

1697000

550000

1751000

588000

<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 nine months ended September 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>

13900000

11860000

-782000

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19000

6000

14000

5000

2000

3000

7000

3000

815000

3229000

4895000

-2745000

-421000

-339000

-458000

-32000

-732000

2615000

1182000

-3680000

784000

2918000

880000

-422000

-1571000

-474000

765000

2904000

-42000

23000

439000

1739000

2636000

-1478000

8325000

7519000

5134000

1732000

6405000

2475000

858000

370000

948000

337000

523000

818000

675000

143000

256000

189000

90000

99000

425000

110000

20000

<div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="44%" align="left"> </td> <td width="5%" align="right"> </td> <td width="17%" align="center">2016</td> <td width="5%" align="center"> </td> <td width="5%" align="center"> </td> <td width="17%" align="center">2015</td> <td width="5%" align="left"> </td></tr> <tr><td width="98%" colspan="7"> </td></tr> <tr valign="bottom"><td width="44%" align="left">Balance at beginning of year</td> <td width="5%" align="right">$</td> <td width="17%" align="right">256</td> <td width="5%" align="left"> </td> <td width="5%" align="right">$</td> <td width="17%" align="right">523</td> <td width="5%" align="left"> </td></tr> <tr valign="bottom"><td width="44%" align="left">Additions</td> <td width="5%" align="right"> </td> <td width="17%" align="right">---</td> <td width="5%" align="left"> </td> <td width="5%" align="right"> </td> <td width="17%" align="right">425</td> <td width="5%" align="left"> </td></tr> <tr valign="bottom"><td width="44%" align="left">Disposals</td> <td width="5%" align="right"> </td> <td width="17%" align="right">(20</td> <td width="5%" align="left">)</td> <td width="5%" align="right"> </td> <td width="17%" align="right">(110</td> <td width="5%" align="left">)</td></tr> <tr valign="bottom"><td width="44%" align="left">Writedowns</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="17%" align="right">(47</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="5%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="17%" align="right">(20</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="left">)</td></tr> <tr valign="bottom"><td width="44%" align="left">Balance at end of period</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="17%" align="right">189</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="17%" align="right">818</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"> </td></tr></table> </div>

20000

47000

3413000

3180000

1697000

233000

1483000

<div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="62%" align="left"> </td> <td width="3%" align="right"> </td> <td width="14%" 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="62%" align="left">Estimated credit losses as of June 30,</td> <td width="3%" align="right">$</td> <td width="14%" align="right">1,697</td> <td width="3%" align="right">$</td> <td width="15%" align="right">3,180</td></tr> <tr valign="bottom"><td width="62%" align="left">Additions for credit losses for securities on which</td> <td width="3%" align="right"> </td> <td width="14%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="62%" align="left">OTTI has been previously recognized</td> <td width="3%" align="right"> </td> <td width="14%" align="right">---</td> <td width="3%" align="right"> </td> <td width="15%" align="right">---</td></tr> <tr valign="bottom"><td width="62%" align="left">Additions for credit losses for securities on which</td> <td width="3%" align="right"> </td> <td width="14%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 4px;" width="62%" align="left">OTTI has not been previously recognized</td> <td width="3%" align="right"> </td> <td width="14%" align="right">---</td> <td width="3%" align="right"> </td> <td width="15%" align="right">---</td></tr> <tr valign="bottom"><td width="62%" align="left">Reductions for securities sold or paid off during the period</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="14%" 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="15%" align="right">---</td></tr> <tr valign="bottom"><td width="62%" align="left">Estimated credit losses as of September 30,</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="right">1,697</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="15%" align="right">3,180</td></tr> <tr><td width="97%" colspan="5"> </td></tr> <tr valign="bottom"><td width="62%" align="left">Estimated credit losses as of prior year-end,</td> <td width="3%" align="right">$</td> <td width="14%" align="right">3,180</td> <td width="3%" align="right">$</td> <td width="15%" align="right">3,413</td></tr> <tr valign="bottom"><td width="62%" align="left">Additions for credit losses for securities on which</td> <td width="3%" align="right"> </td> <td width="14%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 4px;" width="62%" align="left">OTTI has been previously recognized</td> <td width="3%" align="right"> </td> <td width="14%" align="right">---</td> <td width="3%" align="right"> </td> <td width="15%" align="right">---</td></tr> <tr valign="bottom"><td width="62%" align="left">Additions for credit losses for securities on which</td> <td width="3%" align="right"> </td> <td width="14%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 4px;" width="62%" align="left">OTTI has not been previously recognized</td> <td width="3%" align="right"> </td> <td width="14%" align="right">---</td> <td width="3%" align="right"> </td> <td width="15%" align="right">---</td></tr> <tr valign="bottom"><td width="62%" align="left">Reductions for securities sold or paid off during the period</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="14%" align="right">1,483</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">233</td></tr> <tr valign="bottom"><td width="62%" align="left">Estimated credit losses as of September 30,</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="right">1,697</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="15%" align="right">3,180</td></tr></table> </div>

46000

<div> <div> <table style="height: 404px; width: 701px;" cellspacing="0" border="0"> <tr valign="bottom"><td width="17%" align="left"> </td> <td width="2%" align="right"> </td> <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="8%" 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"> </td> <td width="2%" align="center"> </td> <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="8%" align="center">>90 Days</td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="17%" align="left">September 30, 2016</td> <td width="2%" align="right"> </td> <td width="8%" align="center">30-59</td> <td width="2%" align="center"> </td> <td width="8%" align="center">60-89</td> <td width="2%" align="center"> </td> <td width="8%" align="center">90Days</td> <td width="2%" align="center"> </td> <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="8%" 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">Past Due</td></tr> <tr valign="bottom"><td width="17%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="center">Days</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Days</td> <td width="2%" align="center"> </td> <td width="8%" align="center">or</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Total</td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td width="8%" align="center">Total</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Non-</td> <td width="2%" align="center"> </td> <td style="text-indent: 2px;" width="8%" align="center">and</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="17%" 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="center">Past Due</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">Past Due</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">Greater</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">Past Due</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">Current</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">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="8%" align="center">Accrual</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">Accruing</td></tr> <tr valign="bottom"><td width="17%" align="left">Commercial real</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="2%" align="right"> </td> <td width="8%" 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="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="left"> </td> <td width="2%" align="left"> </td> <td width="8%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="17%" align="left">estate mortgages</td> <td width="2%" align="right">$</td> <td width="8%" align="right">281</td> <td width="2%" align="right">$</td> <td width="8%" align="right">163</td> <td width="2%" align="right">$</td> <td width="8%" align="right">869</td> <td width="2%" align="right">$</td> <td width="8%" align="right">1,313</td> <td width="2%" align="right">$</td> <td width="8%" align="right">386,525</td> <td width="2%" align="right">$</td> <td width="8%" align="right">387,838</td> <td width="2%" align="right">$</td> <td width="8%" align="right">1,841</td> <td width="2%" align="right">$</td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="17%" align="left">Commercial and industrial</td> <td width="2%" align="right"> </td> <td width="8%" align="right">43</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">190</td> <td width="2%" align="right"> </td> <td width="8%" align="right">233</td> <td width="2%" align="right"> </td> <td width="8%" align="right">97,375</td> <td width="2%" align="right"> </td> <td width="8%" align="right">97,608</td> <td width="2%" align="right"> </td> <td width="8%" align="right">276</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="17%" align="left">Commercial construction</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="17%" align="left">and land development</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">637</td> <td width="2%" align="right"> </td> <td width="8%" align="right">637</td> <td width="2%" align="right"> </td> <td width="8%" align="right">15,232</td> <td width="2%" align="right"> </td> <td width="8%" align="right">15,869</td> <td width="2%" align="right"> </td> <td width="8%" align="right">637</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="17%" align="left">Agricultural and other</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="17%" align="left">loans to farmers</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">29</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">29</td> <td width="2%" align="right"> </td> <td width="8%" align="right">32,406</td> <td width="2%" align="right"> </td> <td width="8%" align="right">32,435</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="17%" align="left">Residential real</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="17%" align="left">estate mortgages</td> <td width="2%" align="right"> </td> <td width="8%" align="right">720</td> <td width="2%" align="right"> </td> <td width="8%" align="right">409</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,084</td> <td width="2%" align="right"> </td> <td width="8%" align="right">2,213</td> <td width="2%" align="right"> </td> <td width="8%" align="right">482,134</td> <td width="2%" align="right"> </td> <td width="8%" align="right">484,347</td> <td width="2%" align="right"> </td> <td width="8%" align="right">3,429</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="17%" align="left">Home equity</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">39</td> <td width="2%" align="right"> </td> <td width="8%" align="right">40</td> <td width="2%" align="right"> </td> <td width="8%" align="right">47,600</td> <td width="2%" align="right"> </td> <td width="8%" align="right">47,640</td> <td width="2%" align="right"> </td> <td width="8%" align="right">102</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="17%" align="left">Other consumer loans</td> <td width="2%" align="right"> </td> <td width="8%" align="right">6</td> <td width="2%" align="right"> </td> <td width="8%" align="right">3</td> <td width="2%" align="right"> </td> <td width="8%" align="right">11</td> <td width="2%" align="right"> </td> <td width="8%" align="right">20</td> <td width="2%" align="right"> </td> <td width="8%" align="right">6,544</td> <td width="2%" align="right"> </td> <td width="8%" align="right">6,564</td> <td width="2%" align="right"> </td> <td width="8%" align="right">117</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="17%" align="left">Tax exempt</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="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="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="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="8%" align="right">16,109</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">16,109</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="8%" align="right">---</td></tr> <tr valign="bottom"><td width="17%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">1,051</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">604</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">2,830</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">4,485</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">1,083,925</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">1,088,410</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">6,402</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">---</td></tr></table></div>   <div> <table cellspacing="0" border="0"> <tr><td width="16%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="8%"> </td> <td width="2%"> </td> <td width="8%"> </td></tr> <tr valign="bottom"><td width="16%" align="left"> </td> <td width="2%" align="right"> </td> <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="8%" 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"> </td> <td width="2%" align="center"> </td> <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="8%" align="center">>90 Days</td></tr> <tr valign="bottom"><td style="text-indent: 4px;" width="16%" align="left">December 31, 2015</td> <td width="2%" align="right"> </td> <td width="8%" align="center">30-59</td> <td width="2%" align="center"> </td> <td width="8%" align="center">60-89</td> <td width="2%" align="center"> </td> <td width="8%" align="center">90 Days</td> <td width="2%" align="center"> </td> <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="8%" 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">Past Due</td></tr> <tr valign="bottom"><td width="16%" align="left"> </td> <td width="2%" align="right"> </td> <td width="8%" align="center">Days</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Days</td> <td width="2%" align="center"> </td> <td width="8%" align="center">or</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Total</td> <td width="2%" align="center"> </td> <td width="8%" align="center"> </td> <td width="2%" align="center"> </td> <td style="text-indent: 2px;" width="8%" align="center">Total</td> <td width="2%" align="center"> </td> <td width="8%" align="center">Non-</td> <td width="2%" align="center"> </td> <td width="8%" align="center">and</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="16%" 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="center">Past Due</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">Past Due</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">Greater</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">Past Due</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">Current</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="8%" align="center">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="8%" align="center">Accrual</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">Accruing</td></tr> <tr valign="bottom"><td width="16%" align="left">Commercial real</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="2%" align="right"> </td> <td width="8%" 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="2%" align="right"> </td> <td width="8%" 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></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="16%" align="left">estate mortgages</td> <td width="2%" align="right">$</td> <td width="8%" align="right">99</td> <td width="2%" align="right">$</td> <td width="8%" align="right">287</td> <td width="2%" align="right">$</td> <td width="8%" align="right">241</td> <td width="2%" align="right">$</td> <td width="8%" align="right">627</td> <td width="2%" align="right">$</td> <td width="8%" align="right">370,375</td> <td width="2%" align="right">$</td> <td width="8%" align="right">371,002</td> <td width="2%" align="right">$</td> <td width="8%" align="right">1,279</td> <td width="2%" align="right">$</td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Commercial and industrial</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">1</td> <td width="2%" align="right"> </td> <td width="8%" align="right">271</td> <td width="2%" align="right"> </td> <td width="8%" align="right">281</td> <td width="2%" align="right"> </td> <td width="8%" align="right">79,630</td> <td width="2%" align="right"> </td> <td width="8%" align="right">79,911</td> <td width="2%" align="right"> </td> <td width="8%" align="right">292</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Commercial construction</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="16%" align="left">and land development</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,111</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,111</td> <td width="2%" align="right"> </td> <td width="8%" align="right">23,815</td> <td width="2%" align="right"> </td> <td width="8%" align="right">24,926</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,111</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Agricultural and other</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="16%" align="left">loans to farmers</td> <td width="2%" align="right"> </td> <td width="8%" align="right">12</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">3</td> <td width="2%" align="right"> </td> <td width="8%" align="right">85</td> <td width="2%" align="right"> </td> <td width="8%" align="right">30,918</td> <td width="2%" align="right"> </td> <td width="8%" align="right">31,003</td> <td width="2%" align="right"> </td> <td width="8%" align="right">16</td> <td width="2%" align="right"> </td> <td width="8%" align="right">3</td></tr> <tr valign="bottom"><td width="16%" align="left">Residential real</td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td> <td width="2%" align="right"> </td> <td width="8%" align="right"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="16%" align="left">estate mortgages</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,313</td> <td width="2%" align="right"> </td> <td width="8%" align="right">452</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,299</td> <td width="2%" align="right"> </td> <td width="8%" align="right">3,064</td> <td width="2%" align="right"> </td> <td width="8%" align="right">403,588</td> <td width="2%" align="right"> </td> <td width="8%" align="right">406,652</td> <td width="2%" align="right"> </td> <td width="8%" align="right">3,452</td> <td width="2%" align="right"> </td> <td width="8%" align="right">25</td></tr> <tr valign="bottom"><td width="16%" align="left">Home equity</td> <td width="2%" align="right"> </td> <td width="8%" align="right">245</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">797</td> <td width="2%" align="right"> </td> <td width="8%" align="right">1,042</td> <td width="2%" align="right"> </td> <td width="8%" align="right">50,488</td> <td width="2%" align="right"> </td> <td width="8%" align="right">51,530</td> <td width="2%" align="right"> </td> <td width="8%" align="right">820</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Other consumer loans</td> <td width="2%" align="right"> </td> <td width="8%" align="right">66</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td> <td width="2%" align="right"> </td> <td width="8%" align="right">66</td> <td width="2%" align="right"> </td> <td width="8%" align="right">9,632</td> <td width="2%" align="right"> </td> <td width="8%" align="right">9,698</td> <td width="2%" align="right"> </td> <td width="8%" align="right">10</td> <td width="2%" align="right"> </td> <td width="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Tax exempt</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="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="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="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="8%" align="right">15,244</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">15,244</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="8%" align="right">---</td></tr> <tr valign="bottom"><td width="16%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">1,744</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">810</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">3,722</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">6,276</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">983,690</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">989,966</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">6,980</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="8%" align="right">28</td></tr></table></div> </div>

24000

497000

4480000

4880000

136700000

171702000

15000000

27556000

95421000

1568000

3567000

17393000

53750000

83576000

78190000

20428000

66431000

110000

889000

1048000

44000

-53000

-6000

20674000

23082000

1320000

425000

754000

139000

1320000

129000

-12000

3000

455000

588000

41000

586000

-470000

1785000

84000

39000

-24000

594000

347000

106000

665000

-26000

425000

28000

-12000

-5000

-49000

600000

11000

34000

-182000

754000

2000

-42000

5000

32000

761000

9000

-51000

38000

139000

-34000

-53000

1000

-85000

321000

16000

-35000

8000

<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 nine months ended September 30, 2016 and 2015 are presented below: <div align="left"> <div> <div> <div> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="44%" align="left"> </td> <td width="5%" align="right"> </td> <td width="17%" align="center">2016</td> <td width="5%" align="center"> </td> <td width="5%" align="center"> </td> <td width="17%" align="center">2015</td> <td width="5%" align="left"> </td></tr> <tr><td width="98%" colspan="7"> </td></tr> <tr valign="bottom"><td width="44%" align="left">Balance at beginning of year</td> <td width="5%" align="right">$</td> <td width="17%" align="right">256</td> <td width="5%" align="left"> </td> <td width="5%" align="right">$</td> <td width="17%" align="right">523</td> <td width="5%" align="left"> </td></tr> <tr valign="bottom"><td width="44%" align="left">Additions</td> <td width="5%" align="right"> </td> <td width="17%" align="right">---</td> <td width="5%" align="left"> </td> <td width="5%" align="right"> </td> <td width="17%" align="right">425</td> <td width="5%" align="left"> </td></tr> <tr valign="bottom"><td width="44%" align="left">Disposals</td> <td width="5%" align="right"> </td> <td width="17%" align="right">(20</td> <td width="5%" align="left">)</td> <td width="5%" align="right"> </td> <td width="17%" align="right">(110</td> <td width="5%" align="left">)</td></tr> <tr valign="bottom"><td width="44%" align="left">Writedowns</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="17%" align="right">(47</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="5%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="17%" align="right">(20</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="5%" align="left">)</td></tr> <tr valign="bottom"><td width="44%" align="left">Balance at end of period</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="17%" align="right">189</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="17%" align="right">818</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="5%" align="left"> </td></tr></table></div></div></div>  </div></div> The Company's OREO portfolio by property type is presented in the table below as of September 30, 2016 and 2015: <div> <div> <table cellspacing="0" border="0"> <tr><td width="27%"> </td> <td width="16%"> </td> <td width="3%"> </td> <td width="16%"> </td> <td width="15%"> </td> <td width="3%"> </td> <td width="15%"> </td></tr> <tr valign="bottom"><td width="27%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="35%" colspan="3" align="center">September 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="33%" colspan="3" align="center">September 30, 2015</td></tr> <tr valign="bottom"><td width="27%" align="left"> </td> <td width="16%" align="center">Number</td> <td width="3%" align="center"> </td> <td width="16%" align="center"> </td> <td width="15%" align="center">Number</td> <td width="3%" align="center"> </td> <td width="15%" align="center"> </td></tr> <tr valign="bottom"><td width="27%" align="left"> </td> <td width="16%" align="center">of</td> <td width="3%" align="center"> </td> <td width="16%" align="center">Carrying</td> <td width="15%" align="center">of</td> <td width="3%" align="center"> </td> <td width="15%" align="center">Carrying</td></tr> <tr valign="bottom"><td width="27%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="16%" align="center">properties</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="16%" align="center">value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="center">properties</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="15%" align="center">value</td></tr> <tr><td width="95%" colspan="7"> </td></tr> <tr valign="bottom"><td width="27%" align="left">Residential</td> <td width="16%" align="center">1</td> <td width="3%" align="right">$</td> <td width="16%" align="right">99</td> <td width="15%" align="center">3</td> <td width="3%" align="right">$</td> <td width="15%" align="right">143</td></tr> <tr valign="bottom"><td width="27%" align="left">Commercial</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="16%" align="center">1</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="16%" align="right">90</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="center">3</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">675</td></tr> <tr valign="bottom"><td width="27%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="16%" align="center">2</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="16%" align="right">189</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="15%" align="center">6</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="15%" align="right">818</td></tr></table></div></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 nine months ended September 30, 2016 and 2015 as follows: <div align="left"> <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></tr> <tr valign="bottom"><td width="28%" 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="32%" colspan="4" align="center">September 30, 2016</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="3%" align="center"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="29%" colspan="3" align="center">September 30, 2015</td></tr> <tr valign="bottom"><td width="28%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="center">Three</td> <td width="3%" align="center"> </td> <td width="3%" align="center"> </td> <td width="13%" align="center">Nine</td> <td width="3%" align="center"> </td> <td width="3%" align="center"> </td> <td width="13%" align="center">Three</td> <td width="3%" align="center"> </td> <td width="13%" align="center">Nine</td></tr> <tr valign="bottom"><td width="28%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="center">Months</td> <td width="3%" align="center"> </td> <td width="3%" align="center"> </td> <td width="13%" align="center">Months</td> <td width="3%" align="center"> </td> <td width="3%" align="center"> </td> <td width="13%" align="center">Months</td> <td width="3%" align="center"> </td> <td width="13%" align="center">Months</td></tr> <tr valign="bottom"><td width="28%" 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="13%" align="center">Ended</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="3%" 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;" width="3%" 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;" width="13%" align="center">Ended</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="13%" align="center">Ended</td></tr> <tr><td width="98%" colspan="11"> </td></tr> <tr valign="bottom"><td width="28%" align="left">Net (losses) gains on OREO</td> <td width="3%" align="right">$</td> <td width="13%" align="right">(6</td> <td width="3%" align="left">)</td> <td width="3%" align="right">$</td> <td width="13%" align="right">(53</td> <td width="3%" align="left">)</td> <td width="3%" align="left">$</td> <td width="13%" align="right">---</td> <td width="3%" align="right">$</td> <td width="13%" align="right">44</td></tr></table></div></div></div></div>   At September 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 $2,852 compared with $4,575 at December 31, 2015.</div> </div>

67932000

14262000

122260000

129602000

<div> <table style="height: 449px; width: 628px;" cellspacing="0" border="0"> <tr><td width="53%"> </td> <td width="3%"> </td> <td width="15%"> </td> <td width="3%"> </td> <td width="3%"> </td> <td width="15%"> </td> <td width="3%"> </td></tr> <tr valign="bottom"><td width="53%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="center">September 30,</td> <td width="3%" align="center"> </td> <td width="3%" align="center"> </td> <td width="15%" align="center">December 31,</td> <td width="3%" align="left"> </td></tr> <tr valign="bottom"><td width="53%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="center">2016</td> <td width="3%" align="center"> </td> <td width="3%" align="center"> </td> <td width="15%" align="center">2015</td> <td width="3%" align="left"> </td></tr> <tr><td width="95%" colspan="7"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Commercial real estate mortgages</td> <td width="3%" align="right">$</td> <td width="15%" align="right">387,838</td> <td width="3%" align="left"> </td> <td width="3%" align="right">$</td> <td width="15%" align="right">371,002</td> <td width="3%" align="left"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Commercial and industrial</td> <td width="3%" align="right"> </td> <td width="15%" align="right">97,608</td> <td width="3%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="right">79,911</td> <td width="3%" align="left"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Commercial construction and land development</td> <td width="3%" align="right"> </td> <td width="15%" align="right">15,869</td> <td width="3%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="right">24,926</td> <td width="3%" align="left"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Agricultural and other loans to farmers</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">32,435</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="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="right">31,003</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="53%" align="left">Total commercial loans</td> <td width="3%" align="right"> </td> <td width="15%" align="right">533,750</td> <td width="3%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="right">506,842</td> <td width="3%" align="left"> </td></tr> <tr><td width="95%" colspan="7"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Residential real estate mortgages</td> <td width="3%" align="right"> </td> <td width="15%" align="right">484,347</td> <td width="3%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="right">408,401</td> <td width="3%" align="left"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Home equity loans</td> <td width="3%" align="right"> </td> <td width="15%" align="right">47,640</td> <td width="3%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="right">51,530</td> <td width="3%" align="left"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Other consumer loans</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">6,564</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="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="right">7,949</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="53%" align="left">Total consumer loans</td> <td width="3%" align="right"> </td> <td width="15%" align="right">538,551</td> <td width="3%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="right">467,880</td> <td width="3%" align="left"> </td></tr> <tr><td width="95%" colspan="7"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Tax exempt loans</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">16,109</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="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="right">15,244</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"> </td></tr> <tr><td width="95%" colspan="7"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="53%" align="left">Net deferred loan costs and fees</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">(167</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="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="right">104</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Total loans</td> <td width="3%" align="right"> </td> <td width="15%" align="right">1,088,243</td> <td width="3%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="right">990,070</td> <td width="3%" align="left"> </td></tr> <tr valign="bottom"><td width="53%" align="left">Allowance for loan losses</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">(10,103</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="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="right">(9,439</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="3%" align="left">)</td></tr> <tr valign="bottom"><td width="53%" align="left">Total loans net of allowance for loan losses</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="15%" align="right">1,078,140</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="15%" align="right">980,631</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"> </td></tr></table> </div>

<div> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="34%" align="left">September 30, 2016</td> <td width="3%" align="right"> </td> <td width="14%" align="center"> </td> <td width="3%" align="center"> </td> <td width="13%" align="center">Gross</td> <td width="3%" align="center"> </td> <td width="13%" align="center">Gross</td> <td width="3%" align="center"> </td> <td width="13%" align="center"> </td></tr> <tr valign="bottom"><td width="34%" align="left"> </td> <td width="3%" align="right"> </td> <td style="text-indent: 1px;" width="14%" align="center">Amortized</td> <td width="3%" align="center"> </td> <td width="13%" align="center">Unrealized</td> <td width="3%" align="center"> </td> <td width="13%" align="center">Unrealized</td> <td width="3%" align="center"> </td> <td style="text-indent: 1px;" width="13%" align="center">Estimated</td></tr> <tr valign="bottom"><td width="34%" align="left">Available for Sale:</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="14%" align="center">Cost</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="13%" align="center">Gains</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="13%" 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="13%" align="center">Fair Value</td></tr> <tr><td width="99%" colspan="9"> </td></tr> <tr valign="bottom"><td width="34%" align="left">Mortgage-backed securities:</td> <td width="3%" align="right"> </td> <td width="14%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="34%" align="left">US Government-sponsored enterprises</td> <td width="3%" align="right">$</td> <td width="14%" align="right">326,805</td> <td width="3%" align="right">$</td> <td style="text-indent: 2px;" width="13%" align="right">7,268</td> <td width="3%" align="right">$</td> <td width="13%" align="right">734</td> <td width="3%" align="right">$</td> <td width="13%" align="right">333,339</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="34%" align="left">US Government agency</td> <td width="3%" align="right"> </td> <td width="14%" align="right">77,803</td> <td width="3%" align="right"> </td> <td style="text-indent: 2px;" width="13%" align="right">1,569</td> <td width="3%" align="right"> </td> <td width="13%" align="right">134</td> <td width="3%" align="right"> </td> <td width="13%" align="right">79,238</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="34%" align="left">Private label</td> <td width="3%" align="right"> </td> <td width="14%" align="right">1,014</td> <td width="3%" align="right"> </td> <td width="13%" align="right">214</td> <td width="3%" align="right"> </td> <td width="13%" align="right">11</td> <td width="3%" align="right"> </td> <td width="13%" align="right">1,217</td></tr> <tr valign="bottom"><td width="34%" align="left">Obligations of states and political</td> <td width="3%" align="right"> </td> <td width="14%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="right"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td></tr> <tr valign="bottom"><td width="34%" align="left">subdivisions thereof</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="14%" align="right">119,834</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; text-indent: 2px;" width="13%" align="right">4,133</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="13%" align="right">474</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="13%" align="right">123,493</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="34%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="right">525,456</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="right">13,184</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="right">1,353</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="right">537,287</td></tr></table></div> <div> </div> <div> <table cellspacing="0" border="0"> <tr><td width="34%"> </td> <td width="3%"> </td> <td width="14%"> </td> <td width="3%"> </td> <td width="13%"> </td> <td width="3%"> </td> <td width="13%"> </td> <td width="3%"> </td> <td width="13%"> </td></tr> <tr valign="bottom"><td width="34%" align="left">December 31, 2015</td> <td width="3%" align="right"> </td> <td width="14%" align="center"> </td> <td width="3%" align="center"> </td> <td width="13%" align="center">Gross</td> <td width="3%" align="center"> </td> <td width="13%" align="center">Gross</td> <td width="3%" align="center"> </td> <td width="13%" align="center"> </td></tr> <tr valign="bottom"><td width="34%" align="left"> </td> <td width="3%" align="right"> </td> <td style="text-indent: 1px;" width="14%" align="center">Amortized</td> <td width="3%" align="center"> </td> <td width="13%" align="center">Unrealized</td> <td width="3%" align="center"> </td> <td width="13%" align="center">Unrealized</td> <td width="3%" align="center"> </td> <td style="text-indent: 1px;" width="13%" align="center">Estimated</td></tr> <tr valign="bottom"><td width="34%" align="left">Available for Sale:</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="14%" align="center">Cost</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="13%" align="center">Gains</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="13%" 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="13%" align="center">Fair Value</td></tr> <tr><td width="99%" colspan="9"> </td></tr> <tr valign="bottom"><td width="34%" align="left">Mortgage-backed securities:</td> <td width="3%" align="right"> </td> <td width="14%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="34%" align="left">US Government-sponsored enterprises</td> <td width="3%" align="right">$</td> <td width="14%" align="right">304,106</td> <td width="3%" align="right">$</td> <td width="13%" align="right">5,042</td> <td width="3%" align="right">$</td> <td width="13%" align="right">2,155</td> <td width="3%" align="right">$</td> <td width="13%" align="right">306,993</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="34%" align="left">US Government agency</td> <td width="3%" align="right"> </td> <td width="14%" align="right">78,408</td> <td width="3%" align="right"> </td> <td width="13%" align="right">1,269</td> <td width="3%" align="right"> </td> <td width="13%" align="right">547</td> <td width="3%" align="right"> </td> <td width="13%" align="right">79,130</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="34%" align="left">Private label</td> <td width="3%" align="right"> </td> <td width="14%" align="right">2,713</td> <td width="3%" align="right"> </td> <td width="13%" align="right">762</td> <td width="3%" align="right"> </td> <td width="13%" align="right">11</td> <td width="3%" align="right"> </td> <td width="13%" align="right">3,464</td></tr> <tr valign="bottom"><td width="34%" align="left">Obligations of states and political</td> <td width="3%" align="right"> </td> <td width="14%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="right"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="left"> </td></tr> <tr valign="bottom"><td width="34%" align="left">subdivisions thereof</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="14%" align="right">110,952</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="13%" align="right">4,758</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="13%" align="right">328</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="13%" align="right">115,382</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="34%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="14%" align="right">496,179</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="right">11,831</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="right">3,041</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="right">504,969</td></tr></table></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></tr> <tr valign="bottom"><td width="40%" align="left"> </td> <td width="3%" align="left"> </td> <td width="25%" colspan="3" align="center">Three Months Ended</td> <td width="3%" align="center"> </td> <td width="25%" colspan="3" align="center">Nine Months Ended</td></tr> <tr valign="bottom"><td width="40%" align="left"> </td> <td width="3%" align="left"> </td> <td style="text-indent: 5px;" width="25%" colspan="3" align="center">September 30,</td> <td width="3%" align="center"> </td> <td width="25%" colspan="3" align="center">September 30,</td></tr> <tr valign="bottom"><td width="40%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="center">2016</td> <td width="3%" align="center"> </td> <td width="11%" align="center">2015</td> <td width="3%" align="center"> </td> <td width="11%" align="center">2016</td> <td width="3%" align="center"> </td> <td width="11%" align="center">2015</td></tr> <tr><td width="96%" colspan="9"> </td></tr> <tr valign="bottom"><td width="40%" align="left">Net income</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">3,632</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">3,931</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">12,349</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">11,685</td></tr> <tr><td width="96%" colspan="9"> </td></tr> <tr valign="bottom"><td width="40%" align="left">Weighted average common</td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="40%" align="left">shares outstanding</td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="40%" align="left">Basic</td> <td width="3%" align="left"> </td> <td width="11%" align="right">6,042,384</td> <td width="3%" align="left"> </td> <td width="11%" align="right">5,991,073</td> <td width="3%" align="left"> </td> <td width="11%" align="right">6,024,365</td> <td width="3%" align="left"> </td> <td width="11%" align="right">5,972,927</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="40%" align="left">Effect of dilutive employee stock options</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="11%" align="right">65,408</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="11%" align="right">75,757</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="11%" align="right">67,339</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="11%" align="right">81,667</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="40%" align="left">Diluted</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">6,107,792</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">6,066,830</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">6,091,704</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">6,054,594</td></tr> <tr><td width="96%" colspan="9"> </td></tr> <tr valign="bottom"><td width="40%" align="left">Anti-dilutive options excluded from</td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 3px;" width="40%" align="left">earnings per share calculation</td> <td width="3%" align="left"> </td> <td width="11%" align="right">67,884</td> <td width="3%" align="left"> </td> <td width="11%" align="right">64,763</td> <td width="3%" align="left"> </td> <td width="11%" align="right">71,690</td> <td width="3%" align="left"> </td> <td width="11%" align="right">66,960</td></tr> <tr><td width="96%" colspan="9"> </td></tr> <tr valign="bottom"><td width="40%" align="left">Per Common Share Data:</td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td> <td width="3%" align="left"> </td> <td width="11%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="40%" align="left">Basic earnings per share</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">0.60</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">0.66</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">2.05</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">1.96</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="40%" align="left">Diluted earnings per share</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">0.59</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">0.65</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">2.03</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="left">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="11%" align="right">1.93</td></tr></table> </div>

<div> <div> <table style="height: 212px; width: 651px;" cellspacing="0" border="0"> <tr valign="bottom"><td width="48%" align="left"> </td> <td width="2%" align="center"> </td> <td width="11%" align="center">Level 1</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Level 2</td> <td width="2%" align="center"> </td> <td width="11%" align="center">Level 3</td> <td width="2%" align="center"> </td> <td width="11%" align="center">Total Fair</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="48%" align="center">September 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="11%" 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="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="11%" 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="11%" align="center">Value</td></tr> <tr valign="bottom"><td width="48%" align="left">Securities available for sale:</td> <td width="2%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="right"> </td> <td width="12%" align="left"> </td> <td width="2%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="48%" align="left">Mortgage-backed securities:</td> <td width="2%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="right"> </td> <td width="12%" align="left"> </td> <td width="2%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="48%" align="left">US Government-sponsored enterprises</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td width="12%" align="right">333,339</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="11%" align="right">333,339</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="48%" align="left">US Government agencies</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td width="12%" align="right">79,238</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="11%" align="right">79,238</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="48%" align="left">Private label</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td width="12%" align="right">1,217</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="11%" align="right">1,217</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="48%" align="left">Obligations of states and political subdivisions thereof</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td width="12%" align="right">123,493</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="11%" align="right">123,493</td></tr> <tr valign="bottom"><td width="48%" align="left">Derivative assets</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td width="12%" align="right">737</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="11%" align="right">737</td></tr></table></div>   <div> <table cellspacing="0" border="0"> <tr><td width="46%"> </td> <td width="2%"> </td> <td width="11%"> </td> <td width="2%"> </td> <td width="11%"> </td> <td width="2%"> </td> <td width="11%"> </td> <td width="2%"> </td> <td width="11%"> </td></tr> <tr valign="bottom"><td width="46%" align="left"> </td> <td width="2%" align="center"> </td> <td width="11%" align="center">Level 1</td> <td width="2%" align="center"> </td> <td style="text-indent: 1px;" width="11%" align="center">Level 2</td> <td width="2%" align="center"> </td> <td width="11%" align="center">Level 3</td> <td width="2%" align="center"> </td> <td width="11%" align="center">Total Fair</td></tr> <tr valign="bottom"><td style="border-bottom: rgb(0,0,0) 1px solid;" width="46%" 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;" width="11%" 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; text-indent: 1px;" width="11%" 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="11%" 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="11%" align="center">Value</td></tr> <tr valign="bottom"><td width="46%" align="left">Securities available for sale:</td> <td width="2%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="46%" align="left">Mortgage-backed securities:</td> <td width="2%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td> <td width="2%" align="left"> </td> <td width="11%" align="left"> </td> <td width="2%" align="right"> </td> <td width="11%" align="left"> </td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="46%" align="left">US Government-sponsored enterprises</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="11%" align="right">306,993</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="11%" align="right">306,993</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="46%" align="left">US Government agencies</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="11%" align="right">79,130</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="11%" align="right">79,130</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="46%" align="left">Private label</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="11%" align="right">3,464</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="11%" align="right">3,464</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="46%" align="left">Obligations of states and political subdivisions thereof</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="11%" align="right">115,382</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="11%" align="right">115,382</td></tr> <tr valign="bottom"><td width="46%" align="left">Derivative assets</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="11%" align="right">2,069</td> <td width="2%" align="center">$</td> <td width="11%" align="center"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="11%" align="right">2,069</td></tr></table></div> </div>

<div> <table style="height: 377px; width: 599px;" cellspacing="0" border="0"> <tr><td width="61%"> </td> <td width="3%"> </td> <td width="15%"> </td> <td width="3%"> </td> <td width="15%"> </td></tr> <tr valign="bottom"><td width="61%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" align="center">September 30,</td> <td width="3%" align="center"> </td> <td width="15%" align="center">December 31,</td></tr> <tr valign="bottom"><td width="61%" align="left"> </td> <td width="3%" align="right"> </td> <td width="15%" 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="61%" align="left">Commercial real estate mortgages</td> <td width="3%" align="right">$</td> <td width="15%" align="right">1,841</td> <td width="3%" align="right">$</td> <td width="15%" align="right">1,279</td></tr> <tr valign="bottom"><td width="61%" align="left">Commercial and industrial loans</td> <td width="3%" align="right"> </td> <td width="15%" align="right">276</td> <td width="3%" align="right"> </td> <td width="15%" align="right">292</td></tr> <tr valign="bottom"><td width="61%" align="left">Commercial construction and land development</td> <td width="3%" align="right"> </td> <td width="15%" align="right">637</td> <td width="3%" align="right"> </td> <td width="15%" align="right">1,111</td></tr> <tr valign="bottom"><td width="61%" align="left">Agricultural and other loans to farmers</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">---</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">16</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="61%" align="left">Total commercial loans</td> <td width="3%" align="right"> </td> <td width="15%" align="right">2,754</td> <td width="3%" align="right"> </td> <td width="15%" align="right">2,698</td></tr> <tr><td width="97%" colspan="5"> </td></tr> <tr valign="bottom"><td width="61%" align="left">Residential real estate mortgages</td> <td width="3%" align="right"> </td> <td width="15%" align="right">3,429</td> <td width="3%" align="right"> </td> <td width="15%" align="right">3,452</td></tr> <tr valign="bottom"><td width="61%" align="left">Home equity loans</td> <td width="3%" align="right"> </td> <td width="15%" align="right">102</td> <td width="3%" align="right"> </td> <td width="15%" align="right">820</td></tr> <tr valign="bottom"><td width="61%" align="left">Other consumer loans</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">117</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">10</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="61%" align="left">Total consumer loans</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">3,648</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">4,282</td></tr> <tr><td width="97%" colspan="5"> </td></tr> <tr valign="bottom"><td width="61%" align="left">Total non-accrual loans</td> <td width="3%" align="right"> </td> <td width="15%" align="right">6,402</td> <td width="3%" align="right"> </td> <td width="15%" align="right">6,980</td></tr> <tr valign="bottom"><td width="61%" align="left">Accruing loans contractually past due 90 days or more</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">---</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">28</td></tr> <tr valign="bottom"><td width="61%" align="left">Total non-performing loans</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="15%" align="right">6,402</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="15%" align="right">7,008</td></tr></table> </div>

<div> <table style="height: 231px; width: 482px;" 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">September 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">$</td> <td align="right">(3,803</td> <td align="left">)</td> <td align="right">$</td> <td align="right">(2,472</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">4,540</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">2,951</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">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">737</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="right">479</td> <td style="border-bottom: rgb(0,0,0) 3px double;" align="left"> </td></tr> <tr><td colspan="7"> </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> <div> <table style="height: 185px; width: 487px;" cellspacing="0" border="0"> <tr valign="bottom"><td width="65%" align="left"> </td> <td width="3%" align="right"> </td> <td width="29%" colspan="3" align="center">Supplemental Executive</td></tr> <tr valign="bottom"><td width="65%" align="left"> </td> <td width="3%" align="right"> </td> <td width="29%" colspan="3" align="center">Retirement Plans</td></tr> <tr><td width="97%" colspan="5"> </td></tr> <tr valign="bottom"><td width="65%" align="left">Three Months Ended September 30,</td> <td width="3%" align="right"> </td> <td width="13%" align="center">2016</td> <td width="3%" align="right"> </td> <td width="13%" align="center">2015</td></tr> <tr><td width="97%" colspan="5"> </td></tr> <tr valign="bottom"><td width="65%" align="left">Service cost</td> <td width="3%" align="right">$</td> <td width="13%" align="right">18</td> <td width="3%" align="right">$</td> <td width="13%" align="right">17</td></tr> <tr valign="bottom"><td width="65%" align="left">Interest cost</td> <td width="3%" align="right"> </td> <td width="13%" align="right">32</td> <td width="3%" align="right"> </td> <td width="13%" align="right">32</td></tr> <tr valign="bottom"><td width="65%" 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="13%" 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="13%" align="right">---</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="65%" align="left">Net periodic benefit cost</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="right">57</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="right">49</td></tr></table></div>   <div> <table style="height: 226px; width: 486px;" cellspacing="0" border="0"> <tr><td width="65%"> </td> <td width="3%"> </td> <td width="13%"> </td> <td width="3%"> </td> <td width="13%"> </td></tr> <tr valign="bottom"><td width="65%" align="left"> </td> <td width="3%" align="right"> </td> <td width="29%" colspan="3" align="center">Supplemental Executive</td></tr> <tr valign="bottom"><td width="65%" align="left"> </td> <td width="3%" align="right"> </td> <td width="29%" colspan="3" align="center">Retirement Plans</td></tr> <tr><td width="97%" colspan="5"> </td></tr> <tr valign="bottom"><td width="65%" align="left">Nine Months Ended September 30,</td> <td width="3%" align="right"> </td> <td width="13%" align="center">2016</td> <td width="3%" align="center"> </td> <td width="13%" align="center">2015</td></tr> <tr><td width="97%" colspan="5"> </td></tr> <tr valign="bottom"><td width="65%" align="left">Service cost</td> <td width="3%" align="right">$</td> <td width="13%" align="right">54</td> <td width="3%" align="right">$</td> <td width="13%" align="right">53</td></tr> <tr valign="bottom"><td width="65%" align="left">Interest cost</td> <td width="3%" align="right"> </td> <td width="13%" align="right">96</td> <td width="3%" align="right"> </td> <td width="13%" align="right">94</td></tr> <tr valign="bottom"><td width="65%" 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="13%" align="right">21</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="13%" align="right">19</td></tr> <tr valign="bottom"><td style="text-indent: 2px;" width="65%" align="left">Net periodic benefit cost</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="right">171</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="13%" align="right">166</td></tr></table></div> </div>

<div> <table style="height: 170px; width: 656px;" cellspacing="0" border="0"> <tr><td width="3%"> </td> <td width="9%"> </td> <td width="15%"> </td> <td width="18%"> </td> <td width="3%"> </td> <td width="3%"> </td> <td width="13%"> </td> <td width="3%"> </td> <td width="15%"> </td> <td width="3%"> </td> <td width="10%"> </td></tr> <tr valign="bottom"><td width="3%" align="right"> </td> <td width="9%" align="right">Notional</td> <td width="15%" align="center">Termination</td> <td width="18%" align="center">3-Month LIBOR</td> <td width="3%" align="left"> </td> <td width="3%" align="right"> </td> <td width="13%" align="center">Premium</td> <td width="3%" align="right"> </td> <td width="15%" align="center">Unamortized</td> <td width="3%" align="right"> </td> <td width="10%" align="right">Fair</td></tr> <tr valign="bottom"><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="9%" align="right">Amount</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="center">Date</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="18%" align="center">Strike Rate</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="3%" align="right"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="13%" align="center">Paid</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="center">Premium</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="10%" align="center">Value</td></tr> <tr><td width="95%" colspan="11"> </td></tr> <tr valign="bottom"><td width="3%" align="right">$</td> <td width="9%" align="right">25,000</td> <td width="15%" align="center">06/02/21</td> <td width="18%" align="right">3.00</td> <td width="3%" align="left">%</td> <td width="3%" align="right">$</td> <td width="13%" align="right">922</td> <td width="3%" align="right">$</td> <td style="text-indent: 4px;" width="15%" align="right">910</td> <td width="3%" align="right">$</td> <td width="10%" align="right">60</td></tr> <tr valign="bottom"><td width="3%" align="right">$</td> <td width="9%" align="right">20,000</td> <td width="15%" align="center">06/04/24</td> <td width="18%" align="right">3.00</td> <td width="3%" align="left">%</td> <td width="3%" align="right">$</td> <td width="13%" align="right">1,470</td> <td width="3%" align="right">$</td> <td style="text-indent: 4px;" width="15%" align="right">1,461</td> <td width="3%" align="right">$</td> <td width="10%" align="right">251</td></tr> <tr valign="bottom"><td width="3%" align="right">$</td> <td width="9%" align="right">20,000</td> <td width="15%" align="center">10/21/21</td> <td width="18%" align="right">3.00</td> <td width="3%" align="left">%</td> <td width="3%" align="right">$</td> <td width="13%" align="right">632</td> <td width="3%" align="right">$</td> <td style="text-indent: 4px;" width="15%" align="right">630</td> <td width="3%" align="right">$</td> <td width="10%" align="right">71</td></tr> <tr valign="bottom"><td width="3%" align="right">$</td> <td width="9%" align="right">25,000</td> <td width="15%" align="center">10/21/24</td> <td width="18%" align="right">3.00</td> <td width="3%" align="left">%</td> <td width="3%" align="right">$</td> <td width="13%" align="right">1,542</td> <td width="3%" align="right">$</td> <td style="text-indent: 4px;" width="15%" align="right">1,539</td> <td width="3%" align="right">$</td> <td width="10%" align="right">355</td></tr></table> </div>

<div> <table cellspacing="0" border="0"> <tr><td width="27%"> </td> <td width="16%"> </td> <td width="3%"> </td> <td width="16%"> </td> <td width="15%"> </td> <td width="3%"> </td> <td width="15%"> </td></tr> <tr valign="bottom"><td width="27%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 2px;" width="35%" colspan="3" align="center">September 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="33%" colspan="3" align="center">September 30, 2015</td></tr> <tr valign="bottom"><td width="27%" align="left"> </td> <td width="16%" align="center">Number</td> <td width="3%" align="center"> </td> <td width="16%" align="center"> </td> <td width="15%" align="center">Number</td> <td width="3%" align="center"> </td> <td width="15%" align="center"> </td></tr> <tr valign="bottom"><td width="27%" align="left"> </td> <td width="16%" align="center">of</td> <td width="3%" align="center"> </td> <td width="16%" align="center">Carrying</td> <td width="15%" align="center">of</td> <td width="3%" align="center"> </td> <td width="15%" align="center">Carrying</td></tr> <tr valign="bottom"><td width="27%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="16%" align="center">properties</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="16%" align="center">value</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="center">properties</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="15%" align="center">value</td></tr> <tr><td width="95%" colspan="7"> </td></tr> <tr valign="bottom"><td width="27%" align="left">Residential</td> <td width="16%" align="center">1</td> <td width="3%" align="right">$</td> <td width="16%" align="right">99</td> <td width="15%" align="center">3</td> <td width="3%" align="right">$</td> <td width="15%" align="right">143</td></tr> <tr valign="bottom"><td width="27%" align="left">Commercial</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="16%" align="center">1</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="16%" align="right">90</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="15%" align="center">3</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">675</td></tr> <tr valign="bottom"><td width="27%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="16%" align="center">2</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="16%" align="right">189</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="15%" align="center">6</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="3%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="15%" align="right">818</td></tr></table> </div>

<div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="44%" align="left"> </td> <td width="2%" align="left"> </td> <td width="13%" align="center">Proceeds</td> <td width="2%" align="center"> </td> <td width="13%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td></tr> <tr valign="bottom"><td width="44%" align="left"> </td> <td width="2%" align="left"> </td> <td width="13%" align="center">from Sale of</td> <td width="2%" align="center"> </td> <td width="13%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td></tr> <tr valign="bottom"><td width="44%" align="left"> </td> <td width="2%" align="left"> </td> <td width="13%" align="center">Securities</td> <td width="2%" align="center"> </td> <td width="13%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td></tr> <tr valign="bottom"><td width="44%" align="left"> </td> <td width="2%" align="left"> </td> <td width="13%" align="center">Available</td> <td width="2%" align="center"> </td> <td width="13%" align="center">Realized</td> <td width="2%" align="center"> </td> <td width="10%" align="center">Realized</td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td></tr> <tr valign="bottom"><td width="44%" align="left"> </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="13%" align="center">for Sale</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">Gains</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">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; text-indent: 1px;" width="10%" align="center">Net</td></tr> <tr><td width="98%" colspan="9"> </td></tr> <tr valign="bottom"><td width="44%" align="left">Three months ended September 30,</td> <td width="2%" align="left"> </td> <td width="13%" align="left"> </td> <td width="2%" align="right"> </td> <td width="13%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td></tr> <tr valign="bottom"><td width="44%" align="center">2016</td> <td style="text-indent: 2px;" width="2%" align="left">$</td> <td width="13%" align="right">21,776</td> <td width="2%" align="right">$</td> <td width="13%" align="right">1,354</td> <td width="2%" align="center">$</td> <td width="10%" align="right"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="10%" align="right">1,354</td></tr> <tr valign="bottom"><td width="44%" align="center">2015</td> <td style="text-indent: 2px;" width="2%" align="left">$</td> <td width="13%" align="right">---</td> <td width="2%" align="right">$</td> <td width="13%" align="right">---</td> <td width="2%" align="center">$</td> <td width="10%" align="right"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="10%" align="right">---</td></tr> <tr><td width="98%" colspan="9"> </td></tr> <tr valign="bottom"><td width="44%" align="left">Nine months ended September 30,</td> <td width="2%" align="left"> </td> <td width="13%" align="left"> </td> <td width="2%" align="right"> </td> <td width="13%" align="left"> </td> <td width="2%" align="left"> </td> <td width="10%" align="left"> </td> <td width="2%" align="right"> </td> <td width="10%" align="left"> </td></tr> <tr valign="bottom"><td width="44%" align="center">2016</td> <td style="text-indent: 2px;" width="2%" align="left">$</td> <td width="13%" align="right">66,431</td> <td width="2%" align="right">$</td> <td width="13%" align="right">4,489</td> <td width="2%" align="center">$</td> <td width="10%" align="right"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="10%" align="right">4,489</td></tr> <tr valign="bottom"><td width="44%" align="center">2015</td> <td style="text-indent: 2px;" width="2%" align="left">$</td> <td width="13%" align="right">20,428</td> <td width="2%" align="right">$</td> <td width="13%" align="right">1,206</td> <td width="2%" align="center">$</td> <td width="10%" align="right"> ---</td> <td width="2%" align="right">$</td> <td style="text-indent: 1px;" width="10%" align="right">1,206</td></tr></table> </div>

333909000

363375000

146287000

6691000

20905000

13577000

113149000

-8035000

154112000

5959000

21404000

13577000

120352000

-7180000

154152000

3629000

21624000

13577000

122260000

-6938000

164336000

4811000

22641000

13577000

129602000

-6295000

6040

22047

43221

38930

-106000

106000

-360000

360000

889000

118000

-2000

773000

1048000

395000

-127000

780000

487000

982000

<div> Note 2: Subsequent Event On October 25, 2016, the Company's Board of Directors declared a fourth quarter 2016 regular cash dividend of 28.0 cents per share of Company common stock, representing an increase of 2.0 cents, or 7.7%, compared with the fourth quarter of 2015. The quarterly cash dividend is payable to all Company shareholders of record as of the close of business November 14, 2016, and will be paid on December 15, 2016. </div>

<div> <div> <table cellspacing="0" border="0"> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="40%" colspan="6" align="center">For the Three Months Ended</td> <td width="38%" colspan="5" align="center">For the Nine Months Ended</td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="40%" colspan="6" align="center">September 30, 2016</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="38%" colspan="5" align="center">September 30, 2016</td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Pre-</td> <td width="2%" align="center"> </td> <td style="text-indent: 8px;" width="12%" align="center">Post-</td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Pre-</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Post-</td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Modification</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Modification</td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Modification</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Modification </td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Outstanding</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Outstanding</td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Outstanding</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Outstanding</td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="2%" align="center"> </td> <td width="10%" align="center">Number</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Recorded</td> <td width="10%" align="center">Number</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Recorded</td></tr> <tr valign="bottom"><td width="24%" 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">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="12%" 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="12%" align="center">Investment</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" 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="12%" 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="12%" align="center">Investment</td></tr> <tr><td width="102%" colspan="12"> </td></tr> <tr valign="bottom"><td width="24%" align="left">Commercial real estate mortgages</td> <td width="2%" align="right"> </td> <td style="text-indent: 5px;" width="10%" align="right">2</td> <td width="2%" align="right">$</td> <td width="12%" align="right">936</td> <td width="2%" align="right">$</td> <td width="12%" align="right">915</td> <td width="10%" align="right">5</td> <td width="2%" align="right">$</td> <td width="12%" align="right">1,361</td> <td width="2%" align="right">$</td> <td width="12%" align="right">1,326</td></tr> <tr valign="bottom"><td width="24%" align="left">Commercial and industrial loans</td> <td width="2%" align="right"> </td> <td style="text-indent: 5px;" width="10%" align="right">2</td> <td width="2%" align="right"> </td> <td width="12%" align="right">51</td> <td width="2%" align="right"> </td> <td width="12%" align="right">51</td> <td width="10%" align="right">2</td> <td width="2%" align="right"> </td> <td width="12%" align="right">51</td> <td width="2%" align="right"> </td> <td width="12%" align="right">51</td></tr> <tr valign="bottom"><td width="24%" 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: 5px;" 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="12%" 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="12%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">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="12%" 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="12%" align="right">24</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="24%" align="left">Total commercial loans</td> <td width="2%" align="right"> </td> <td style="text-indent: 5px;" width="10%" align="right">4</td> <td width="2%" align="right"> </td> <td width="12%" align="right">987</td> <td width="2%" align="right"> </td> <td width="12%" align="right">966</td> <td width="10%" align="right">9</td> <td width="2%" align="right"> </td> <td width="12%" align="right">1,442</td> <td width="2%" align="right"> </td> <td width="12%" align="right">1,401</td></tr> <tr><td width="102%" colspan="12"> </td></tr> <tr valign="bottom"><td width="24%" align="left">Other 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; text-indent: 5px;" width="10%" align="right">1</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right">9</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right">9</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">1</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right">9</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right">9</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="24%" 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; text-indent: 5px;" width="10%" 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="12%" align="right">9</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="right">9</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" 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="12%" align="right">9</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="right">9</td></tr> <tr><td width="102%" colspan="12"> </td></tr> <tr valign="bottom"><td width="24%" 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; text-indent: 5px;" width="10%" align="right">5</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">996</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">975</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">10</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">1,451</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">1,410</td></tr></table></div>   <div> </div> <div> <table cellspacing="0" border="0"> <tr><td width="24%"> </td> <td width="10%"> </td> <td width="2%"> </td> <td width="12%"> </td> <td width="2%"> </td> <td width="12%"> </td> <td width="10%"> </td> <td width="2%"> </td> <td width="12%"> </td> <td width="2%"> </td> <td width="12%"> </td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="38%" colspan="5" align="center">For the Three Months Ended</td> <td width="38%" colspan="5" align="center">For the Nine Months Ended</td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="38%" colspan="5" align="center">September 30, 2015</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="38%" colspan="5" align="center">September 30, 2015</td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Pre-</td> <td width="2%" align="center"> </td> <td style="text-indent: 8px;" width="12%" align="center">Post-</td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Pre-</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Post-</td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Modification</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Modification</td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center"> Modification</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Modification </td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Outstanding</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Outstanding</td> <td width="10%" align="center"> </td> <td width="2%" align="center"> </td> <td width="12%" align="center">Outstanding</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Outstanding</td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td width="10%" align="center">Number</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Recorded</td> <td width="10%" align="center">Number</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Recorded</td> <td width="2%" align="center"> </td> <td width="12%" align="center">Recorded</td></tr> <tr valign="bottom"><td width="24%" align="left"> </td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" 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="12%" 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="12%" align="center">Investment</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" 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="12%" 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="12%" align="center">Investment</td></tr> <tr><td width="100%" colspan="11"> </td></tr> <tr valign="bottom"><td width="24%" align="left">Commercial real estate mortgages</td> <td style="text-indent: 3px;" width="10%" align="right">3</td> <td width="2%" align="right">$</td> <td width="12%" align="right">214</td> <td width="2%" align="right">$</td> <td width="12%" align="right">226</td> <td width="10%" align="right">3</td> <td width="2%" align="right">$</td> <td width="12%" align="right">214</td> <td width="2%" align="right">$</td> <td width="12%" align="right">226</td></tr> <tr valign="bottom"><td width="24%" align="left">Agricultural and other loans to farmers</td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" 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="12%" 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="12%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" 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="12%" 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="12%" align="right">16</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="24%" align="left">Total commercial loans</td> <td style="text-indent: 3px;" width="10%" align="right">3</td> <td width="2%" align="right"> </td> <td width="12%" align="right">214</td> <td width="2%" align="right"> </td> <td width="12%" align="right">226</td> <td width="10%" align="right">4</td> <td width="2%" align="right"> </td> <td width="12%" align="right">232</td> <td width="2%" align="right"> </td> <td width="12%" align="right">242</td></tr> <tr><td width="100%" colspan="11"> </td></tr> <tr valign="bottom"><td width="24%" align="left">Residential real estate mortgages</td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" width="10%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" align="right">3</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right">1,267</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="12%" align="right">1,266</td></tr> <tr valign="bottom"><td style="text-indent: 1px;" width="24%" align="left">Total consumer loans</td> <td style="border-bottom: rgb(0,0,0) 1px solid; text-indent: 3px;" 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="12%" 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="12%" align="right">---</td> <td style="border-bottom: rgb(0,0,0) 1px solid;" width="10%" 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="12%" align="right">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="12%" align="right">1,266</td></tr> <tr><td width="100%" colspan="11"> </td></tr> <tr valign="bottom"><td width="24%" align="left">Total</td> <td style="border-bottom: rgb(0,0,0) 3px double; text-indent: 3px;" width="10%" align="right">3</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">214</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">226</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="10%" align="right">7</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">1,499</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="2%" align="right">$</td> <td style="border-bottom: rgb(0,0,0) 3px double;" width="12%" align="right">1,508</td></tr></table></div> </div>

396729000

399146000

429775000

434022000

425000

778196

732600

656

15381

6938000

6295000

24000

497000

104000

-167000

-2495000

-3803000

6054594

6066830

6091704

6107792

5972927

5991073

6024365

6042384

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Information [Abstract] Statement [Table] Statement [Line Items] Document Type Amendment Flag Document Period End Date Document Fiscal Year Focus Document Fiscal Period Focus Entity Registrant Name Entity Central Index Key Current Fiscal Year End Date Entity Filer Category Entity Common Stock, Shares Outstanding Consolidated Balance Sheets [Abstract] Assets Abstract Assets Cash and Cash Equivalents, at Carrying Value Cash and cash equivalents at end of period Cash and cash equivalents at beginning of period Cash and cash equivalents Securities available for sale, at fair value (amortized cost of $460,832 and $461,635, respectively) Securities available for sale, at fair value Securities Available for Sale, Estimated Fair Value Available for Sale, Estimated Fair Value Federal Home Loan Bank stock Loans Total loans Allowance for loan losses Allowance for loan losses Loans, net of allowance for loan losses Loans, net of allowance for loan losses Premises and equipment, net Goodwill 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 shares; issued 6,788,407 shares at September 30, 2016 and December 31, 2015 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 ($219) and ($249), at September 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 $$4,069 and $2,828, at September 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 $72 and $249, at September 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 $1,331 and $873, at September 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 732,600 and 778,196 shares of treasury stock at September 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 (depreciation) appreciation 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 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 (loss) income Comprehensive Income, Net of Tax, Attributable to Parent Total comprehensive (loss) income 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 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 and performance 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 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 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 Proceeds from Issuance of Shares under Incentive and Share-based Compensation Plans, Excluding Stock Options Restricted and performance stock grants 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 and Performance stock grants Basis Of Presentation [Abstract] Basis Of Presentation [Abstract] Organization Consolidation And Presentation Of Financial Statements Disclosure Text Block Basis Of Presentation Subsequent Event [Abstract] Subsequent Events [Text Block] Subsequent Event Merger And Acquisition Activity [Abstract] Business Combination Disclosure [Text Block] Merger And Acquisition Activity Recent Accounting Pronouncements [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] EX-101.PRE 9 bhb-20160930_pre.xml EX-101.CAL 10 bhb-20160930_cal.xml EX-101.DEF 11 bhb-20160930_def.xml XML 12 R1.htm IDEA: XBRL DOCUMENT

Document And Entity Information - shares	9 Months Ended
Document And Entity Information - shares	Sep. 30, 2016	Nov. 01, 2016
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2016
Document Fiscal Year Focus	2016
Document Fiscal Period Focus	Q3
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		6,056,140

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Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Assets
Cash and cash equivalents	$ 14,571	$ 9,720
Securities available for sale, at fair value	537,287	504,969
Federal Home Loan Bank stock	23,712	21,479
Loans	1,088,243	990,070
Allowance for loan losses	(10,103)	(9,439)
Loans, net of allowance for loan losses	1,078,140	980,631
Premises and equipment, net	23,082	20,674
Goodwill	4,935	4,935
Bank owned life insurance	24,288	23,747
Other assets	11,860	13,900
TOTAL ASSETS	1,717,875	1,580,055
Liabilities
Demand and other non-interest bearing deposits	115,376	86,577
NOW accounts	167,653	160,394
Savings and money market deposits	320,721	299,087
Time deposits	429,775	396,729
Total deposits	1,033,525	942,787
Short-term borrowings	363,375	333,909
Long-term advances from Federal Home Loan Bank	144,120	135,882
Junior subordinated debentures	5,000	5,000
Other liabilities	7,519	8,325
TOTAL LIABILITIES	1,553,539	1,425,903
Shareholders' equity
Capital stock, par value $2.00; authorized 20,000,000 shares; issued 6,788,407 shares at September 30, 2016 and December 31, 2015	13,577	13,577
Surplus	22,641	21,624
Retained earnings	129,602	122,260
Accumulated other comprehensive income:
Prior service cost and unamortized net actuarial losses on employee benefit plans, net of tax of ($219) and ($249), at September 30, 2016 and December 31, 2015, respectively	(407)	(463)
Net unrealized appreciation on securities available for sale, net of tax of $$4,069 and $2,828, at September 30, 2016 and December 31, 2015, respectively	7,556	5,251
Portion of OTTI attributable to non-credit gains, net of tax of $72 and $249, at September 30, 2016 and December 31, 2015, respectively	134	462
Net unrealized depreciation on derivative instruments, net of tax of $1,331 and $873, at September 30, 2016 and December 31, 2015, respectively	(2,472)	(1,621)
Total accumulated other comprehensive income	4,811	3,629
Less: cost of 732,600 and 778,196 shares of treasury stock at September 30, 2016 and December 31, 2015, respectively	(6,295)	(6,938)
TOTAL SHAREHOLDERS' EQUITY	164,336	154,152
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,717,875	$ 1,580,055

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Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Consolidated Balance Sheets [Abstract]
Capital stock, par value	$ 2	$ 2
Capital stock, shares authorized	20,000,000	20,000,000
Capital stock, shares issued	6,788,407	6,788,407
Prior service cost and unamortized net actuarial losses on employee benefit plans, tax	$ (219)	$ (249)
Net unrealized appreciation on securities available for sale, tax	4,069	2,828
Portion of OTTI attributable to non-credit gains, tax	72	249
Net unrealized depreciation on derivative instruments, tax	$ 1,331	$ 873
Treasury stock, shares	732,600	778,196

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Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Consolidated Statements Of Income - USD ($) $ in Thousands	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Interest and dividend income:
Interest and fees on loans	$ 10,295	$ 10,127	$ 30,627	$ 29,449
Interest on securities	3,596	4,008	11,401	11,502
Dividend on FHLB stock	232	191	613	380
Total interest and dividend income	14,123	14,326	42,641	41,331
Interest expense:
Deposits	1,755	1,596	4,931	4,509
Short-term borrowings	453	233	1,435	725
Long-term debt	916	801	2,558	2,517
Total interest expense	3,124	2,630	8,924	7,751
Net interest income	10,999	11,696	33,717	33,580
Provision for loan losses	139	425	754	1,320
Net interest income after provision for loan losses	10,860	11,271	32,963	32,260
Non-interest income:
Trust and other financial services	975	957	2,878	2,887
Service charges on deposit accounts	215	224	678	677
Debit card income	491	477	1,321	1,245
Net securities gains	1,354		4,489	1,206
Other operating income	337	370	948	858
Total non-interest income	3,372	2,028	10,314	6,873
Non-interest expense:
Salaries and employee benefits	4,832	4,623	14,648	13,244
Occupancy expense	588	550	1,751	1,697
Furniture and equipment expense	568	584	1,715	1,729
Debit card expenses	127	119	364	327
FDIC insurance assessments	160	212	595	623
Other operating expense	2,475	1,732	6,405	5,134
Total non-interest expense	8,750	7,820	25,478	22,754
Income before income taxes	5,482	5,479	17,799	16,379
Income taxes	1,850	1,548	5,450	4,694
Net income	$ 3,632	$ 3,931	$ 12,349	$ 11,685
Per Common Share Data:
Basic earnings per share	$ 0.60	$ 0.66	$ 2.05	$ 1.96
Diluted earnings per share	$ 0.59	$ 0.65	$ 2.03	$ 1.93

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Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Consolidated Statements Of Comprehensive Income [Abstract]
Net income	$ 3,632	$ 3,931	$ 12,349	$ 11,685
Other comprehensive income:
Net unrealized (depreciation) appreciation on securities available for sale, net of tax	(2,745)	3,229	4,895	815
Less reclassification adjustment for net gains related to securities available for sale included in net income, net of tax	(880)		(2,918)	(784)
Net unrealized depreciation on interest rate derivatives, net of tax	(60)	(620)	(851)	(782)
Net amortization of prior service cost and actuarial loss for supplemental executive retirement plan, net of related tax	5	6	14	19
Actuarial gains on supplemental executive retirement plan, net of related tax			42
Total other comprehensive (loss) income	(3,680)	2,615	1,182	(732)
Total comprehensive (loss) income	$ (48)	$ 6,546	$ 13,531	$ 10,953

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Consolidated Statements Of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Consolidated Statements Of Comprehensive Income [Abstract]
Net unrealized appreciation (depreciation) on securities available for sale, tax	$ (1,478)	$ 1,739	$ 2,636	$ 439
Reclassification adjustment for net gains related to securities available for sale included in net income, tax	(474)	0	(1,571)	(422)
Net unrealized depreciation on interest rate derivatives, tax	(32)	(339)	(458)	(421)
Net amortization of prior service cost and actuarial loss for supplemental executive retirement plan, tax	3	3	7	2
Actuarial gains on supplemental executive retirement plan, tax	$ 0	$ 0	$ 23	$ 0

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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			11,685			11,685
Total other comprehensive (loss) income				(732)		(732)
Dividend declared:
Common stock			(4,480)			(4,480)
Purchase of Treasury Stock					(24)	(24)
Stock options exercised, including related tax effects		118	(2)		773	889
Recognition of stock based compensation expense		487				487
Restricted and performance stock grants		(106)			106
Balance at Sep. 30, 2015	13,577	21,404	120,352	5,959	(7,180)	154,112
Balance at Dec. 31, 2015	13,577	21,624	122,260	3,629	(6,938)	154,152
Net income			12,349			12,349
Total other comprehensive (loss) income				1,182		1,182
Dividend declared:
Common stock			(4,880)			(4,880)
Purchase of Treasury Stock					(497)	(497)
Stock options exercised, including related tax effects		395	(127)		780	1,048
Recognition of stock based compensation expense		982				982
Restricted and performance stock grants		(360)			360
Balance at Sep. 30, 2016	$ 13,577	$ 22,641	$ 129,602	$ 4,811	$ (6,295)	$ 164,336

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Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
Consolidated Statements Of Changes In Shareholders' Equity [Abstract]
Common stock dividends, per share	$ 0.81	$ 0.75
Purchase of Treasury Stock, shares	15,381	656
Stock options exercised, shares	38,930	43,221
Restricted stock grants, shares	22,047	6,040

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Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
Cash flows from operating activities:
Net income	$ 12,349	$ 11,685
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization of premises and equipment	1,159	1,301
Amortization of core deposit intangible	69	69
Provision for loan losses	754	1,320
Net securities gains	(4,489)	(1,206)
Net amortization of bond premiums and discounts	2,293	1,795
Recognition of stock based compensation expense	982	487
Gains on sale of other real estate owned		(64)
Net income from bank owned life insurance	(540)	(434)
Net change in other assets	111	418
Net change in other liabilities	(806)	(655)
Net cash provided by operating activities	11,882	14,716
Cash flows from investing activities:
Purchases of securities available for sale	(171,702)	(136,700)
Proceeds from maturities, calls and principal paydowns of mortgage-backed securities	78,190	83,576
Proceeds from sales of securities available for sale	66,431	20,428
Purchases of Bank Owned Life Insurance		(15,000)
Net increase in Federal Home Loan Bank stock	(2,233)	(2,239)
Net increase in total loans originated	(2,842)	(31,047)
Purchases of loans	(95,421)	(27,556)
Proceeds from sale of other real estate owned		110
Capital expenditures	(3,567)	(1,568)
Net cash used in investing activities	(131,144)	(109,996)
Cash flows from financing activities:
Net increase in deposits	90,738	152,845
Net decrease in securities sold under repurchase agreements and fed funds purchased	(1,784)	(875)
Proceeds from Federal Home Loan Bank advances	53,750	17,393
Repayments of Federal Home Loan Bank advances	(14,262)	(67,932)
Purchases of Treasury Stock	(497)	(24)
Proceeds from stock option exercises, including excess tax benefits	1,048	889
Restricted and performance stock grants
Payments of dividends	(4,880)	(4,480)
Net cash provided by financing activities	124,113	97,816
Net increase in cash and cash equivalents	4,851	2,536
Cash and cash equivalents at beginning of period	9,720	9,800
Cash and cash equivalents at end of period	14,571	12,336
Supplemental disclosures of cash flow information:
Interest	8,858	7,767
Income taxes	5,342	4,370
Schedule of noncash investing activities:
Transfers from loans to other real estate owned		425
Restricted and Performance stock grants	$ 360	$ 106

XML 21 R10.htm IDEA: XBRL DOCUMENT

Basis Of Presentation	9 Months Ended
Basis Of Presentation	Sep. 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 nine months ended September 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 Event	9 Months Ended
Subsequent Event	Sep. 30, 2016
Subsequent Event [Abstract]
Subsequent Event	Note 2: Subsequent Event On October 25, 2016, the Company's Board of Directors declared a fourth quarter 2016 regular cash dividend of 28.0 cents per share of Company common stock, representing an increase of 2.0 cents, or 7.7%, compared with the fourth quarter of 2015. The quarterly cash dividend is payable to all Company shareholders of record as of the close of business November 14, 2016, and will be paid on December 15, 2016.

XML 23 R12.htm IDEA: XBRL DOCUMENT

Merger And Acquisition Activity	9 Months Ended
Merger And Acquisition Activity	Sep. 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"). In October 2016, the shareholders of the Company and LSBG approved the Merger transaction and all required regulatory approvals have been obtained. The Merger is expected to close in January 2017. 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. Included in the Company's third quarter and year-to-date non-interest expense were $320 and $812 in expenses related to the LSBG Merger, largely legal and other professional fees, of which $256 and $725 were not deductible for income tax purposes.

- 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
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XML 24 R13.htm IDEA: XBRL DOCUMENT

Recent Accounting Pronouncements	9 Months Ended
Recent Accounting Pronouncements	Sep. 30, 2016
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	Note 4: Recent Accounting Pronouncements ASU 2014-09, "Revenue from Contracts with Customers (Topic 606)." The ASU creates a new topic, Topic 606, to provide guidance on revenue recognition for entities that enter into contracts with customers to transfer goods or services or enter into contracts for the transfer of nonfinancial assets. The core principle of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. Additional disclosures are required to provide quantitative and qualitative information regarding the nature, amount, timing, and uncertainty of revenue and cash flows arising from contracts with customers. The new guidance is effective for annual reporting periods, and interim reporting periods within those annual periods, beginning after December 15, 2017. Early adoption is not permitted. The Company is currently evaluating this guidance to determine the impact on its consolidated financial statements. 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, 2018, 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 de-designation 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 2016-08, "Revenue from Contracts with Customers (Topic 606): Principal versus Agent Considerations (Reporting Revenue Gross versus Net)." This ASU amends the principal-versus-agent implementation guidance and illustrations in the FASB's new revenue standard (ASU 2014-09) and clarifies that an entity should evaluate whether it is the principal or the agent for each specified good or service promised in a contract with a customer. The ASU has the same effective date as the new revenue standard (as amended by the one-year deferral and the early adoption provisions in ASU 2015-14 delaying the effective date to fiscal years, and interim periods within those fiscal years, beginning after December 15, 2017). In addition, entities are required to adopt the ASU by using the same transition method they used to adopt the new revenue standard. The Company is currently assessing the impact ASU 2016-08 will have on its consolidated financial statements. ASU 2016-09, "Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting." Under ASU 2016-09 all excess tax benefits and tax deficiencies related to share-based payment awards should be recognized as income tax expense or benefit in the income statement during the period in which they occur. Previously, such amounts were recorded in the pool of excess tax benefits included in additional paid-in capital, if such pool was available. Because excess tax benefits are no longer recognized in additional paid-in capital, the assumed proceeds from applying the treasury stock method when computing earnings per share should exclude the amount of excess tax benefits that would have previously been recognized in additional paid-in capital. Additionally, excess tax benefits should be classified along with other income tax cash flows as an operating activity rather than a financing activity, as was previously the case. ASU 2016-09 also provides that an entity can make an entity-wide accounting policy election to either estimate the number of awards that are expected to vest (current GAAP) or account for forfeitures when they occur. ASU 2016-09 changes the threshold to qualify for equity classification (rather than as a liability) to permit withholding up to the maximum statutory tax rates (rather than the minimum as was previously the case) in the applicable jurisdictions. ASU 2016-09 will be effective on January 1, 2017 and is not expected to have a significant impact on 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, 2019, 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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XML 25 R14.htm IDEA: XBRL DOCUMENT

Management's Use Of Estimates	9 Months Ended
Management's Use Of Estimates	Sep. 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 on loans 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 or portion of loans charged-off as uncollectible. Arriving at an appropriate level of allowance involves a high degree of judgment. The determination of the adequacy of the allowance and provisioning for estimated losses is evaluated regularly based on a review of loans with particular emphasis on non-performing or other loans that management believes warrant special consideration. The ongoing evaluation process includes a formal analysis, which considers among other factors: the nature of the loan portfolios, business and economic conditions, real estate market conditions, collateral values, changes in product offerings or loan terms, loan growth, experience, ability, and depth of management, changes in underwriting and/or collection policies and procedures, changes in volumes of loan portfolios and speed of loan portfolio growth, concentrations to industries or individual borrowers, external factors including industry or regulatory changes, historical charge-off experience, delinquency trends, non-performing loan trends, the performance of individual loans in relation to contract terms, loan loss emergence periods, and estimated fair values of collateral. The allowance consists of allowances established for specific loans including impaired loans, and allowances on pools of loans based on historical charge-offs by loan types adjusted by qualitative factors 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 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 September 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

9 Months Ended

Sep. 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 nine months ended September 30, 2016, and 2015:


		Three Months Ended				Nine Months Ended
		September 30,				September 30,
		2016		2015		2016		2015

Net income	$	3,632	$	3,931	$	12,349	$	11,685

Weighted average common
shares outstanding
Basic		6,042,384		5,991,073		6,024,365		5,972,927
Effect of dilutive employee stock options		65,408		75,757		67,339		81,667
Diluted		6,107,792		6,066,830		6,091,704		6,054,594

Anti-dilutive options excluded from
earnings per share calculation		67,884		64,763		71,690		66,960

Per Common Share Data:
Basic earnings per share	$	0.60	$	0.66	$	2.05	$	1.96
Diluted earnings per share	$	0.59	$	0.65	$	2.03	$	1.93

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Securities Available For Sale

9 Months Ended

Sep. 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 September 30, 2016, and December 31, 2015:

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

Mortgage-backed securities:
US Government-sponsored enterprises	$	326,805	$	7,268	$	734	$	333,339
US Government agency		77,803		1,569		134		79,238
Private label		1,014		214		11		1,217
Obligations of states and political
subdivisions thereof		119,834		4,133		474		123,493
Total	$	525,456	$	13,184	$	1,353	$	537,287

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	$	140	$	140
Due after one year through five years		6,510		6,637
Due after five years through ten years		16,068		16,756
Due after ten years		502,738		513,754
Total	$	525,456	$	537,287

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 nine months ended September 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 June 30,	$	1,697	$	3,180
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		---		---
Estimated credit losses as of September 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 September 30,	$	1,697	$	3,180

As of September 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 September 30, 2016.


	Less than 12 months					12 months or longer					Total
		Estimated					Estimated					Estimated
September 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	$	59,696	72	$	503	$	8,365	21	$	231	$	68,061	93	$	734
US Government agency		11,643	17		64		4,008	14		70		15,651	31		134
Private label		185	1		3		158	6		8		343	7		11
Obligations of states and
political subdivisions
thereof		25,810	47		363		3,966	9		111		29,776	56		474
Total	$	97,334	137	$	933	$	16,497	50	$	420	$	113,831	187	$	1,353


			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 September 30, 2016, the total unrealized losses on these securities amounted to $734, 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 September 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 September 30, 2016.

Mortgage-backed securities issued by U.S. Government agencies: As of September 30, 2016, the total unrealized losses on these securities amounted to $134, 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 September 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 September 30, 2016.
Private label mortgage-backed securities: As of September 30, 2016, the total unrealized losses on the Bank's private label MBS amounted to $11, compared with $11 at December 31, 2015. The Company attributes the unrealized losses at September 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 September 30, 2016.
Obligations of states of the U.S. and political subdivisions thereof: As of September 30, 2016, the total unrealized losses on the Bank's municipal securities amounted to $474, 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 September 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 September 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 September 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 September 30, 2016.

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

		Proceeds
		from Sale of
		Securities
		Available		Realized		Realized
		for Sale		Gains		Losses		Net

Three months ended September 30,
2016	$	21,776	$	1,354	$	---	$	1,354
2015	$	---	$	---	$	---	$	---

Nine months ended September 30,
2016	$	66,431	$	4,489	$	---	$	4,489
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

9 Months Ended

Sep. 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 following table summarizes the composition of the loan portfolio as of September 30, 2016, and December 31, 2015:

LOAN PORTFOLIO SUMMARY


		September 30,			December 31,
		2016			2015

Commercial real estate mortgages	$	387,838		$	371,002
Commercial and industrial		97,608			79,911
Commercial construction and land development		15,869			24,926
Agricultural and other loans to farmers		32,435			31,003
Total commercial loans		533,750			506,842

Residential real estate mortgages		484,347			408,401
Home equity loans		47,640			51,530
Other consumer loans		6,564			7,949
Total consumer loans		538,551			467,880

Tax exempt loans		16,109			15,244

Net deferred loan costs and fees		(167	)		104
Total loans		1,088,243			990,070
Allowance for loan losses		(10,103	)		(9,439	)
Total loans net of allowance for loan losses	$	1,078,140		$	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 regular 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 September 30, 2016, approximately 32% 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 September 30, 2016, and December 31, 2015.

TOTAL NON-PERFORMING LOANS


		September 30,		December 31,
		2016		2015

Commercial real estate mortgages	$	1,841	$	1,279
Commercial and industrial loans		276		292
Commercial construction and land development		637		1,111
Agricultural and other loans to farmers		---		16
Total commercial loans		2,754		2,698

Residential real estate mortgages		3,429		3,452
Home equity loans		102		820
Other consumer loans		117		10
Total consumer loans		3,648		4,282

Total non-accrual loans		6,402		6,980
Accruing loans contractually past due 90 days or more		---		28
Total non-performing loans	$	6,402	$	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 nine months ended September 30, 2016 and 2015 follows:


	For the Three Months Ended						For the Nine Months Ended
	September 30, 2016						September 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		2	$	936	$	915	5	$	1,361	$	1,326
Commercial and industrial loans		2		51		51	2		51		51
Agricultural and other loans to farmers		---		---		---	2		30		24
Total commercial loans		4		987		966	9		1,442		1,401

Other consumer loans		1	$	9	$	9	1	$	9	$	9
Total consumer loans		1		9		9	1		9		9

Total		5	$	996	$	975	10	$	1,451	$	1,410


	For the Three Months Ended					For the Nine Months Ended
	September 30, 2015					September 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

Commercial real estate mortgages	3	$	214	$	226	3	$	214	$	226
Agricultural and other loans to farmers	---		---		---	1		18		16
Total commercial loans	3		214		226	4		232		242

Residential real estate mortgages	---	$	---	$	---	3	$	1,267	$	1,266
Total consumer loans	---		---		---	3		1,267		1,266

Total	3	$	214	$	226	7	$	1,499	$	1,508

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 nine months ended September 30, 2016 and 2015:


		September 30, 2016				September 30, 2015
		Three Months		Nine Months		Three Months		Nine Months
		Ended		Ended		Ended		Ended

Extended maturity and adjusted interest rate	$	---	$	---	$	118	$	134
Extended maturity and adjusted payment		60		468		---		---
Adjusted payment		915		915		---		607
Adjusted payment and capitalized interest		---		---		---		187
Extended maturity, adjusted interest rate
and adjusted payment		---		---		108		580
Other concessions		---		27		---		---
Total	$	975	$	1,410	$	226	$	1,508

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 September 30, 2016, and December 31, 2015. Amounts shown exclude deferred loan origination fees and costs.

																>90 Days
September 30, 2016		30-59		60-89		90Days										Past Due
		Days		Days		or		Total				Total		Non-		and
		Past Due		Past Due		Greater		Past Due		Current		Loans		Accrual		Accruing
Commercial real
estate mortgages	$	281	$	163	$	869	$	1,313	$	386,525	$	387,838	$	1,841	$	---
Commercial and industrial		43		---		190		233		97,375		97,608		276		---
Commercial construction
and land development		---		---		637		637		15,232		15,869		637		---
Agricultural and other
loans to farmers		---		29		---		29		32,406		32,435		---		---
Residential real
estate mortgages		720		409		1,084		2,213		482,134		484,347		3,429		---
Home equity		1		---		39		40		47,600		47,640		102		---
Other consumer loans		6		3		11		20		6,544		6,564		117		---
Tax exempt		---		---		---		---		16,109		16,109		---		---
Total	$	1,051	$	604	$	2,830	$	4,485	$	1,083,925	$	1,088,410	$	6,402	$	---

																>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 September 30, 2016 and December 31, 2015 follows:


	September 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	$	3,308	$	3,396	$	---	$	1,692	$	1,736	$	---
Commercial and industrial		136		136				202		352		---
Commercial construction and
land development		---		---		---		---		---		---
Agricultural and other loans to farmers		122		122		---		106		106		---
Residential real estate loans		1,223		1,340		---		1,332		1,362		---
Home equity loans		16		16		---		18		18		---
Other consumer		---		---		---		---		---		---
Subtotal	$	4,805	$	5,010	$	---	$	3,350	$	3,574	$	---

With an allowance:
Commercial real estate mortgages	$	659	$	659	$	40	$	531	$	531	$	43
Commercial and industrial		219		369		174		224		374		175
Commercial construction and
land development		637		2,562		60		1,111		3,036		58
Agricultural and other loans to farmers		---		---		---		---		---		---
Residential real estate loans		495		495		87		515		515		97
Home equity loans		---		---		---		---		---		---
Other consumer		16		16		10		8		8		---
Subtotal	$	2,026	$	4,101	$	371	$	2,389	$	4,464	$	373
Total	$	6,831	$	9,111	$	371	$	5,739	$	8,038	$	373

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


	September 30, 2016								September 30, 2015
		Three Months Ended				Nine Months Ended				Three Months Ended				Nine 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	$	2,775	$	38	$	2,713	$	131	$	2,408	$	20	$	3,099	$	42
Commercial and industrial		138		1		141		2		231		2		334		7
Commercial construction
and land development		---		---		---		---		---		---		---		---
Agricultural and other
loans to farmers		124		3		131		8		123		3		155		7
Residential real
estate mortgages		1,342		17		1,344		55		1,332		8		1,325		21
Home equity loans		16		---		17		1		18		---		18		1
Other consumer		---		1		---		1		---		---		---		---
Subtotal	$	4,395	$	60	$	4,346	$	198	$	4,112	$	33	$	4,931	$	78

With an allowance:
Commercial real
estate mortgages	$	533	$	---	$	551	$	---	$	405	$	---	$	405	$	---
Commercial and industrial		220		---		221		---		226		---		228		---
Commercial construction				---				---				---
and land development		809				928				1,260				1,260		---
Agricultural and other
loans to farmers		---		---		---		---		---		---		---		---
Residential real
estate mortgages		496		---		331		---		348		---		346		---
Home equity loans		---		---		---		---		---		---				---
Other consumer		16		---		17		---		10		---		10		---
Subtotal	$	2,074	$	---	$	2,048	$	---	$	2,249	$	---	$	2,249	$	---

Total	$	6,469	$	60	$	6,394	$	198	$	6,361	$	33	$	7,180	$	78

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 September 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 evaluated for credit quality after origination based on delinquency status (see past due loan aging table above).

						Commercial		Agricultural
		Commercial		Commercia		construction		and other
		real estate		l and		and land		loans to
September 30, 2016		mortgages		industrial		development		farmers		Total
Pass	$	361,326	$	93,652	$	15,232	$	31,882	$	502,092
Other Assets Especially
Mentioned		11,404		1,680		---		279		13,363
Substandard		15,108		2,274		637		274		18,293
Doubtful		---		---		---		---		---
Loss		---		2		---		---		2
Total	$	387,838	$	97,608	$	15,869	$	32,435	$	533,750

						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 nine months ended September 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.

								Commercial
					Commercial			Construction
Three Months Ended		Commercial			and			and land						Residential						Home			Tax
September 30, 2016		Real Estate			Industrial			development			Agricultural			Real Estate			Consumer			Equity			Exempt		Total
Beginning Balance	$	4,665		$	1,267		$	195		$	383		$	2,683		$	100		$	547		$	51	$	9,891
Charged Off		(99	)		---			---			---			(19	)		(2	)		---			---		(120	)
Recoveries		22			151			---			5			8			4			3			---		193
Provision		321			(85	)		(53	)		(34	)		8			16			(35	)		1		139
Ending Balance	$	4,909		$	1,333		$	142		$	354		$	2,680		$	118		$	515		$	52	$	10,103

								Commercial
					Commercial			Construction
Nine Months Ended		Commercial			and			and land					Residential						Home			Tax
September 30, 2016		Real Estate			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		(133	)		(90	)		---			---		(141	)		(19	)		---			---		(383	)
Recoveries		35			155			---			45		36			17			5			---		293
Provision		761			32			(42	)		2		38			9			(51	)		5		754
Ending Balance	$	4,909		$	1,333		$	142		$	354	$	2,680		$	118		$	515		$	52	$	10,103

of which:

Amount for loans
individually evaluated
for impairment	$	40		$	174		$	60		$	---	$	87		$	---		$	10		$	---	$	371

Amount for loans
collectively evaluated
for impairment	$	4,869		$	1,159		$	82		$	354	$	2,593		$	118		$	505		$	52	$	9,732

Loans individually
evaluated for
impairment	$	3,967		$	355		$	637		$	122	$	1,718		$	16		$	16		$	---	$	6,831

Loans collectively
evaluated for
impairment	$	383,871		$	97,253		$	15,232		$	32,313	$	482,629		$	6,548		$	47,624		$	16,109	$	1,081,579

								Commercial
					Commercial			Construction
Three Months Ended		Commercial			and			and land						Residential						Home			Tax
September 30, 2015		Real Estate			Industrial			development			Agricultural			Real Estate			Consumer			Equity			Exempt			Total
Beginning Balance	$	4,289		$	1,147		$	145		$	372		$	2,485		$	110		$	472		$	79		$	9,099
Charged Off		(461	)		(22	)		---			(54	)		---			(23	)		(25	)		---			(585	)
Recoveries		58			31			---			3			---			6			---			---			98
Provision		600			(49	)		(12	)		28			(182	)		11			34			(5	)		425
Ending Balance	$	4,486		$	1,107		$	133		$	349		$	2,303		$	104		$	481		$	74		$	9,037


								Commercial
					Commercial			Construction
Nine Months Ended		Commercial			and			and land						Residential						Home			Tax
September 30, 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	)		(310	)		---			(72	)		(70	)		(48	)		(376	)		---		(1,543	)
Recoveries		97			33			---			15			129			17			---			---		291
Provision		588			455			(12	)		129			(470	)		41			586			3		1,320
Ending Balance	$	4,486		$	1,107		$	133		$	349		$	2,303		$	104		$	481		$	74	$	9,037

of which:

Amount for loans
individually
evaluated for
impairment	$	39		$	176		$	24		$	---		$	52		$	---		$	---		$	---	$	291

Amount for loans
collectively
evaluated
for impairment	$	4,447		$	931		$	109		$	349		$	2,251		$	104		$	481		$	74	$	8,746

Loans individually
evaluated
for impairment	$	1,988		$	437		$	1,260		$	108		$	1,650		$	9		$	18		$	---	$	5,470

Loans collectively
evaluated
for impairment	$	370,529		$	77,451		$	23,894		$	32,412		$	389,418		$	10,138		$	51,272		$	15,319	$	970,433


								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 September 30, 2016, and December 31, 2015, loans to the lodging industry amounted to approximately $123,946 and $98,231, respectively.

XML 29 R18.htm IDEA: XBRL DOCUMENT

Other Real Estate Owned

9 Months Ended

Sep. 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 nine months ended September 30, 2016 and 2015 are presented below:

		2016			2015

Balance at beginning of year	$	256		$	523
Additions		---			425
Disposals		(20	)		(110	)
Writedowns		(47	)		(20	)
Balance at end of period	$	189		$	818

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


	September 30, 2016			September 30, 2015
	Number			Number
	of		Carrying	of		Carrying
	properties		value	properties		value

Residential	1	$	99	3	$	143
Commercial	1		90	3		675
Total	2	$	189	6	$	818

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 nine months ended September 30, 2016 and 2015 as follows:


		September 30, 2016						September 30, 2015
		Three			Nine			Three		Nine
		Months			Months			Months		Months
		Ended			Ended			Ended		Ended

Net (losses) gains on OREO	$	(6	)	$	(53	)	$	---	$	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

9 Months Ended

Sep. 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 nine months ended September 30, 2016 and 2015.


		Amount Reclassified from
		Accumulated Other
		Comprehensive Income

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


Realized gains and losses on
available-for-sale securities	$	4,489		$	1,206		Net securities gains
Tax (expense) or benefit		(1,571	)		(422	)	Provision for income taxes
Net of tax	$	2,918		$	784		Net income

Amortization of prior service cost
and actuarial (loss) gain for
supplemental executive retirement plan	$	(21	)	$	(28	)	Salaries and benefits
Tax (expense) or benefit		7			9		Provision for income taxes
Net of tax	$	(14	)	$	(19	)	Net income

Total reclassification for the period	$	2,904		$	765

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Financial Derivative Instruments

9 Months Ended

Sep. 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 September 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 September 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 September 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	$	910	$	60
$	20,000	06/04/24	3.00	%	$	1,470	$	1,461	$	251
$	20,000	10/21/21	3.00	%	$	632	$	630	$	71
$	25,000	10/21/24	3.00	%	$	1,542	$	1,539	$	355

At September 30, 2016, the total fair value of the interest rate cap agreements was $737, 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 September 30, 2016 and December 31, 2015 follows:

		Gross			Net of Tax
September 30, 2016
Unrealized loss on interest rate caps	$	(3,803	)	$	(2,472	)
Unamortized premium on interest rate caps		4,540			2,951
Total	$	737		$	479


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

- 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
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Reference 2: http://www.xbrl.org/2003/role/presentationRef
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
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-SubTopic 10
-Section 50
-Paragraph 1B
-URI http://asc.fasb.org/extlink&oid=56946850&loc=SL5580258-113959

Reference 16: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 4E
-URI http://asc.fasb.org/extlink&oid=56946850&loc=SL5624181-113959

Reference 17: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 25
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6886632&loc=d3e76258-113986

Reference 18: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=56946850&loc=d3e41638-113959

Reference 19: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(n))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

+ Details

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Retirement Benefit Plans

9 Months Ended

Sep. 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 nine months ended September 30, 2016, and 2015:


		Supplemental Executive
		Retirement Plans

Three Months Ended September 30,		2016		2015

Service cost	$	18	$	17
Interest cost		32		32
Actuarial loss on supplemental executive retirement plan		7		---
Net periodic benefit cost	$	57	$	49


		Supplemental Executive
		Retirement Plans

Nine Months Ended September 30,		2016		2015

Service cost	$	54	$	53
Interest cost		96		94
Actuarial loss on supplemental executive retirement plan		21		19
Net periodic benefit cost	$	171	$	166

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Commitments And Contingent Liabilities

9 Months Ended

Sep. 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 some 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 September 30, 2016, and December 31, 2015:

		September 30,		December 31,
		2016		2015

Commitments to originate loans	$	28,551	$	41,529
Unused lines of credit	$	94,823	$	97,283
Un-advanced portions of construction loans	$	19,622	$	12,719
Standby letters of credit	$	385	$	385

As of September 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

9 Months Ended

Sep. 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 September 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 September 30, 2016, and December 31, 2015, the balance of the core deposit intangible asset amounted to $401 and $470, respectively.

Gross carrying amount	$	783	$	783
Less: accumulated amortization		382		313
Net carrying amount	$	401	$	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.

+ References + Details

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Fair Value Measurements

9 Months Ended

Sep. 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
September 30, 2016	Inputs		Inputs	Inputs		Value
Securities available for sale:
Mortgage-backed securities:
US Government-sponsored enterprises	$ ---	$	333,339	$ ---	$	333,339
US Government agencies	$ ---	$	79,238	$ ---	$	79,238
Private label	$ ---	$	1,217	$ ---	$	1,217
Obligations of states and political subdivisions thereof	$ ---	$	123,493	$ ---	$	123,493
Derivative assets	$ ---	$	737	$ ---	$	737

	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 September 30, 2016	Inputs	Inputs		Inputs		Value		Loss

Other real estate owned	$ ---	$ ---	$	189	$	189	$	53
Collateral dependent impaired loans	$ ---	$ ---	$	3,284	$	3,284	$	---

	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.

+ References + Details

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Fair Value Of Financial Instruments

9 Months Ended

Sep. 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 September 30, 2016 and December 31, 2015, follows:

		Carrying		Level 1		Level 2		Level 3		Total
September 30, 2016		Value		Inputs		Inputs		Inputs		Fair Value
Financial Assets:
Cash and cash equivalents	$	14,571	$	14,571	$	---	$	---	$	14,571
Federal Home Loan Bank stock		23,712		---		23,712		---		23,712
Loans, net		1,078,140		---		---		1,079,757		1,079,757
Interest receivable		5,287		---		5,287		---		5,287

Financial liabilities:
Deposits (with no stated maturity)	$	603,750	$	---	$	603,750	$	---	$	603,750
Time deposits		429,775		---		434,022		---		434,022
Borrowings		512,495		---		513,372		---		513,372
Interest payable		593		---		593		---		593

		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)	9 Months Ended
Management's Use Of Estimates (Policy)	Sep. 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 on loans 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 or portion of loans charged-off as uncollectible. Arriving at an appropriate level of allowance involves a high degree of judgment. The determination of the adequacy of the allowance and provisioning for estimated losses is evaluated regularly based on a review of loans with particular emphasis on non-performing or other loans that management believes warrant special consideration. The ongoing evaluation process includes a formal analysis, which considers among other factors: the nature of the loan portfolios, business and economic conditions, real estate market conditions, collateral values, changes in product offerings or loan terms, loan growth, experience, ability, and depth of management, changes in underwriting and/or collection policies and procedures, changes in volumes of loan portfolios and speed of loan portfolio growth, concentrations to industries or individual borrowers, external factors including industry or regulatory changes, historical charge-off experience, delinquency trends, non-performing loan trends, the performance of individual loans in relation to contract terms, loan loss emergence periods, and estimated fair values of collateral. The allowance consists of allowances established for specific loans including impaired loans, and allowances on pools of loans based on historical charge-offs by loan types adjusted by qualitative factors 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 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 September 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.

+ References + Details

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Earnings Per Share (Tables)

9 Months Ended

Sep. 30, 2016

Earnings Per Share [Abstract]

Reconciliation Of Basic And Diluted Earnings Per Share


		Three Months Ended				Nine Months Ended
		September 30,				September 30,
		2016		2015		2016		2015

Net income	$	3,632	$	3,931	$	12,349	$	11,685

Weighted average common
shares outstanding
Basic		6,042,384		5,991,073		6,024,365		5,972,927
Effect of dilutive employee stock options		65,408		75,757		67,339		81,667
Diluted		6,107,792		6,066,830		6,091,704		6,054,594

Anti-dilutive options excluded from
earnings per share calculation		67,884		64,763		71,690		66,960

Per Common Share Data:
Basic earnings per share	$	0.60	$	0.66	$	2.05	$	1.96
Diluted earnings per share	$	0.59	$	0.65	$	2.03	$	1.93

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Securities Available For Sale (Tables)

9 Months Ended

Sep. 30, 2016

Securities Available For Sale [Abstract]

Summary Of Securities Available For Sale

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

Mortgage-backed securities:
US Government-sponsored enterprises	$	326,805	$	7,268	$	734	$	333,339
US Government agency		77,803		1,569		134		79,238
Private label		1,014		214		11		1,217
Obligations of states and political
subdivisions thereof		119,834		4,133		474		123,493
Total	$	525,456	$	13,184	$	1,353	$	537,287


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	$	140	$	140
Due after one year through five years		6,510		6,637
Due after five years through ten years		16,068		16,756
Due after ten years		502,738		513,754
Total	$	525,456	$	537,287

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 June 30,	$	1,697	$	3,180
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		---		---
Estimated credit losses as of September 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 September 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
September 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	$	59,696	72	$	503	$	8,365	21	$	231	$	68,061	93	$	734
US Government agency		11,643	17		64		4,008	14		70		15,651	31		134
Private label		185	1		3		158	6		8		343	7		11
Obligations of states and
political subdivisions
thereof		25,810	47		363		3,966	9		111		29,776	56		474
Total	$	97,334	137	$	933	$	16,497	50	$	420	$	113,831	187	$	1,353


	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
		from Sale of
		Securities
		Available		Realized		Realized
		for Sale		Gains		Losses		Net

Three months ended September 30,
2016	$	21,776	$	1,354	$	---	$	1,354
2015	$	---	$	---	$	---	$	---

Nine months ended September 30,
2016	$	66,431	$	4,489	$	---	$	4,489
2015	$	20,428	$	1,206	$	---	$	1,206

XML 40 R29.htm IDEA: XBRL DOCUMENT

Loans And Allowance For Loan Losses (Tables)

9 Months Ended

Sep. 30, 2016

Loans And Allowance For Loan Losses [Abstract]

Summary Of Composition Of Loan Portfolio


		September 30,			December 31,
		2016			2015

Commercial real estate mortgages	$	387,838		$	371,002
Commercial and industrial		97,608			79,911
Commercial construction and land development		15,869			24,926
Agricultural and other loans to farmers		32,435			31,003
Total commercial loans		533,750			506,842

Residential real estate mortgages		484,347			408,401
Home equity loans		47,640			51,530
Other consumer loans		6,564			7,949
Total consumer loans		538,551			467,880

Tax exempt loans		16,109			15,244

Net deferred loan costs and fees		(167	)		104
Total loans		1,088,243			990,070
Allowance for loan losses		(10,103	)		(9,439	)
Total loans net of allowance for loan losses	$	1,078,140		$	980,631

Summary Of Non-Performing Loans


		September 30,		December 31,
		2016		2015

Commercial real estate mortgages	$	1,841	$	1,279
Commercial and industrial loans		276		292
Commercial construction and land development		637		1,111
Agricultural and other loans to farmers		---		16
Total commercial loans		2,754		2,698

Residential real estate mortgages		3,429		3,452
Home equity loans		102		820
Other consumer loans		117		10
Total consumer loans		3,648		4,282

Total non-accrual loans		6,402		6,980
Accruing loans contractually past due 90 days or more		---		28
Total non-performing loans	$	6,402	$	7,008

Summary Of Troubled Debt Restructures

	For the Three Months Ended						For the Nine Months Ended
	September 30, 2016						September 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		2	$	936	$	915	5	$	1,361	$	1,326
Commercial and industrial loans		2		51		51	2		51		51
Agricultural and other loans to farmers		---		---		---	2		30		24
Total commercial loans		4		987		966	9		1,442		1,401

Other consumer loans		1	$	9	$	9	1	$	9	$	9
Total consumer loans		1		9		9	1		9		9

Total		5	$	996	$	975	10	$	1,451	$	1,410


	For the Three Months Ended					For the Nine Months Ended
	September 30, 2015					September 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

Commercial real estate mortgages	3	$	214	$	226	3	$	214	$	226
Agricultural and other loans to farmers	---		---		---	1		18		16
Total commercial loans	3		214		226	4		232		242

Residential real estate mortgages	---	$	---	$	---	3	$	1,267	$	1,266
Total consumer loans	---		---		---	3		1,267		1,266

Total	3	$	214	$	226	7	$	1,499	$	1,508

Summary Of Post-Modification Balance of Troubled Debt Restructurings


		September 30, 2016				September 30, 2015
		Three Months		Nine Months		Three Months		Nine Months
		Ended		Ended		Ended		Ended

Extended maturity and adjusted interest rate	$	---	$	---	$	118	$	134
Extended maturity and adjusted payment		60		468		---		---
Adjusted payment		915		915		---		607
Adjusted payment and capitalized interest		---		---		---		187
Extended maturity, adjusted interest rate
and adjusted payment		---		---		108		580
Other concessions		---		27		---		---
Total	$	975	$	1,410	$	226	$	1,508

Schedule Of Past Due Loans

																>90 Days
September 30, 2016		30-59		60-89		90Days										Past Due
		Days		Days		or		Total				Total		Non-		and
		Past Due		Past Due		Greater		Past Due		Current		Loans		Accrual		Accruing
Commercial real
estate mortgages	$	281	$	163	$	869	$	1,313	$	386,525	$	387,838	$	1,841	$	---
Commercial and industrial		43		---		190		233		97,375		97,608		276		---
Commercial construction
and land development		---		---		637		637		15,232		15,869		637		---
Agricultural and other
loans to farmers		---		29		---		29		32,406		32,435		---		---
Residential real
estate mortgages		720		409		1,084		2,213		482,134		484,347		3,429		---
Home equity		1		---		39		40		47,600		47,640		102		---
Other consumer loans		6		3		11		20		6,544		6,564		117		---
Tax exempt		---		---		---		---		16,109		16,109		---		---
Total	$	1,051	$	604	$	2,830	$	4,485	$	1,083,925	$	1,088,410	$	6,402	$	---


																>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 September 30, 2016 and December 31, 2015 follows:


	September 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	$	3,308	$	3,396	$	---	$	1,692	$	1,736	$	---
Commercial and industrial		136		136				202		352		---
Commercial construction and
land development		---		---		---		---		---		---
Agricultural and other loans to farmers		122		122		---		106		106		---
Residential real estate loans		1,223		1,340		---		1,332		1,362		---
Home equity loans		16		16		---		18		18		---
Other consumer		---		---		---		---		---		---
Subtotal	$	4,805	$	5,010	$	---	$	3,350	$	3,574	$	---

With an allowance:
Commercial real estate mortgages	$	659	$	659	$	40	$	531	$	531	$	43
Commercial and industrial		219		369		174		224		374		175
Commercial construction and
land development		637		2,562		60		1,111		3,036		58
Agricultural and other loans to farmers		---		---		---		---		---		---
Residential real estate loans		495		495		87		515		515		97
Home equity loans		---		---		---		---		---		---
Other consumer		16		16		10		8		8		---
Subtotal	$	2,026	$	4,101	$	371	$	2,389	$	4,464	$	373
Total	$	6,831	$	9,111	$	371	$	5,739	$	8,038	$	373

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


	September 30, 2016								September 30, 2015
		Three Months Ended				Nine Months Ended				Three Months Ended				Nine 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	$	2,775	$	38	$	2,713	$	131	$	2,408	$	20	$	3,099	$	42
Commercial and industrial		138		1		141		2		231		2		334		7
Commercial construction
and land development		---		---		---		---		---		---		---		---
Agricultural and other
loans to farmers		124		3		131		8		123		3		155		7
Residential real
estate mortgages		1,342		17		1,344		55		1,332		8		1,325		21
Home equity loans		16		---		17		1		18		---		18		1
Other consumer		---		1		---		1		---		---		---		---
Subtotal	$	4,395	$	60	$	4,346	$	198	$	4,112	$	33	$	4,931	$	78

With an allowance:
Commercial real
estate mortgages	$	533	$	---	$	551	$	---	$	405	$	---	$	405	$	---
Commercial and industrial		220		---		221		---		226		---		228		---
Commercial construction				---				---				---
and land development		809				928				1,260				1,260		---
Agricultural and other
loans to farmers		---		---		---		---		---		---		---		---
Residential real
estate mortgages		496		---		331		---		348		---		346		---
Home equity loans		---		---		---		---		---		---				---
Other consumer		16		---		17		---		10		---		10		---
Subtotal	$	2,074	$	---	$	2,048	$	---	$	2,249	$	---	$	2,249	$	---

Total	$	6,469	$	60	$	6,394	$	198	$	6,361	$	33	$	7,180	$	78

Schedule Of Loans With Credit Quality Indicators


						Commercial		Agricultural
		Commercial		Commercia		construction		and other
		real estate		l and		and land		loans to
September 30, 2016		mortgages		industrial		development		farmers		Total
Pass	$	361,326	$	93,652	$	15,232	$	31,882	$	502,092
Other Assets Especially
Mentioned		11,404		1,680		---		279		13,363
Substandard		15,108		2,274		637		274		18,293
Doubtful		---		---		---		---		---
Loss		---		2		---		---		2
Total	$	387,838	$	97,608	$	15,869	$	32,435	$	533,750


						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
					Commercial			Construction
Three Months Ended		Commercial			and			and land						Residential						Home			Tax
September 30, 2016		Real Estate			Industrial			development			Agricultural			Real Estate			Consumer			Equity			Exempt		Total
Beginning Balance	$	4,665		$	1,267		$	195		$	383		$	2,683		$	100		$	547		$	51	$	9,891
Charged Off		(99	)		---			---			---			(19	)		(2	)		---			---		(120	)
Recoveries		22			151			---			5			8			4			3			---		193
Provision		321			(85	)		(53	)		(34	)		8			16			(35	)		1		139
Ending Balance	$	4,909		$	1,333		$	142		$	354		$	2,680		$	118		$	515		$	52	$	10,103


								Commercial
					Commercial			Construction
Nine Months Ended		Commercial			and			and land					Residential						Home			Tax
September 30, 2016		Real Estate			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		(133	)		(90	)		---			---		(141	)		(19	)		---			---		(383	)
Recoveries		35			155			---			45		36			17			5			---		293
Provision		761			32			(42	)		2		38			9			(51	)		5		754
Ending Balance	$	4,909		$	1,333		$	142		$	354	$	2,680		$	118		$	515		$	52	$	10,103

of which:

Amount for loans
individually evaluated
for impairment	$	40		$	174		$	60		$	---	$	87		$	---		$	10		$	---	$	371

Amount for loans
collectively evaluated
for impairment	$	4,869		$	1,159		$	82		$	354	$	2,593		$	118		$	505		$	52	$	9,732

Loans individually
evaluated for
impairment	$	3,967		$	355		$	637		$	122	$	1,718		$	16		$	16		$	---	$	6,831

Loans collectively
evaluated for
impairment	$	383,871		$	97,253		$	15,232		$	32,313	$	482,629		$	6,548		$	47,624		$	16,109	$	1,081,579


								Commercial
					Commercial			Construction
Three Months Ended		Commercial			and			and land						Residential						Home			Tax
September 30, 2015		Real Estate			Industrial			development			Agricultural			Real Estate			Consumer			Equity			Exempt			Total
Beginning Balance	$	4,289		$	1,147		$	145		$	372		$	2,485		$	110		$	472		$	79		$	9,099
Charged Off		(461	)		(22	)		---			(54	)		---			(23	)		(25	)		---			(585	)
Recoveries		58			31			---			3			---			6			---			---			98
Provision		600			(49	)		(12	)		28			(182	)		11			34			(5	)		425
Ending Balance	$	4,486		$	1,107		$	133		$	349		$	2,303		$	104		$	481		$	74		$	9,037


								Commercial
					Commercial			Construction
Nine Months Ended		Commercial			and			and land						Residential						Home			Tax
September 30, 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	)		(310	)		---			(72	)		(70	)		(48	)		(376	)		---		(1,543	)
Recoveries		97			33			---			15			129			17			---			---		291
Provision		588			455			(12	)		129			(470	)		41			586			3		1,320
Ending Balance	$	4,486		$	1,107		$	133		$	349		$	2,303		$	104		$	481		$	74	$	9,037

of which:

Amount for loans
individually
evaluated for
impairment	$	39		$	176		$	24		$	---		$	52		$	---		$	---		$	---	$	291

Amount for loans
collectively
evaluated
for impairment	$	4,447		$	931		$	109		$	349		$	2,251		$	104		$	481		$	74	$	8,746

Loans individually
evaluated
for impairment	$	1,988		$	437		$	1,260		$	108		$	1,650		$	9		$	18		$	---	$	5,470

Loans collectively
evaluated
for impairment	$	370,529		$	77,451		$	23,894		$	32,412		$	389,418		$	10,138		$	51,272		$	15,319	$	970,433


								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

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Other Real Estate Owned (Tables)

9 Months Ended

Sep. 30, 2016

Other Real Estate Owned [Abstract]

Schedule Of OREO Activity

		2016			2015

Balance at beginning of year	$	256		$	523
Additions		---			425
Disposals		(20	)		(110	)
Writedowns		(47	)		(20	)
Balance at end of period	$	189		$	818

Schedule Of OREO Portfolio By Property Type


	September 30, 2016			September 30, 2015
	Number			Number
	of		Carrying	of		Carrying
	properties		value	properties		value

Residential	1	$	99	3	$	143
Commercial	1		90	3		675
Total	2	$	189	6	$	818

Net Gains And Losses On OREO Properties


		September 30, 2016						September 30, 2015
		Three			Nine			Three		Nine
		Months			Months			Months		Months
		Ended			Ended			Ended		Ended

Net (losses) gains on OREO	$	(6	)	$	(53	)	$	---	$	44

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Reclassifications Out Of Accumulated Other Comprehensive Income (Tables)

9 Months Ended

Sep. 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

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


Realized gains and losses on
available-for-sale securities	$	4,489		$	1,206		Net securities gains
Tax (expense) or benefit		(1,571	)		(422	)	Provision for income taxes
Net of tax	$	2,918		$	784		Net income

Amortization of prior service cost
and actuarial (loss) gain for
supplemental executive retirement plan	$	(21	)	$	(28	)	Salaries and benefits
Tax (expense) or benefit		7			9		Provision for income taxes
Net of tax	$	(14	)	$	(19	)	Net income

Total reclassification for the period	$	2,904		$	765

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Financial Derivative Instruments (Tables)

9 Months Ended

Sep. 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	$	910	$	60
$	20,000	06/04/24	3.00	%	$	1,470	$	1,461	$	251
$	20,000	10/21/21	3.00	%	$	632	$	630	$	71
$	25,000	10/21/24	3.00	%	$	1,542	$	1,539	$	355

Schedule of Interest Rate Derivatives

		Gross			Net of Tax
September 30, 2016
Unrealized loss on interest rate caps	$	(3,803	)	$	(2,472	)
Unamortized premium on interest rate caps		4,540			2,951
Total	$	737		$	479


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

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Retirement Benefit Plans (Tables)

9 Months Ended

Sep. 30, 2016

Retirement Benefit Plans [Abstract]

Schedule Of Components Of Net Periodic Benefit Cost

		Supplemental Executive
		Retirement Plans

Three Months Ended September 30,		2016		2015

Service cost	$	18	$	17
Interest cost		32		32
Actuarial loss on supplemental executive retirement plan		7		---
Net periodic benefit cost	$	57	$	49


		Supplemental Executive
		Retirement Plans

Nine Months Ended September 30,		2016		2015

Service cost	$	54	$	53
Interest cost		96		94
Actuarial loss on supplemental executive retirement plan		21		19
Net periodic benefit cost	$	171	$	166

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Commitments And Contingent Liabilities (Tables)

9 Months Ended

Sep. 30, 2016

Commitments And Contingent Liabilities [Abstract]

Schedule Of Contractual Amounts Of Commitments And Contingent Liabilities

		September 30,		December 31,
		2016		2015

Commitments to originate loans	$	28,551	$	41,529
Unused lines of credit	$	94,823	$	97,283
Un-advanced portions of construction loans	$	19,622	$	12,719
Standby letters of credit	$	385	$	385

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Goodwill And Other Intangible Assets (Tables)

9 Months Ended

Sep. 30, 2016

Goodwill And Other Intangible Assets [Abstract]

Schedule Of Core Deposits Intangible Assets

Gross carrying amount	$	783	$	783
Less: accumulated amortization		382		313
Net carrying amount	$	401	$	470

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Fair Value Measurements (Tables)

9 Months Ended

Sep. 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
September 30, 2016		Inputs		Inputs		Inputs		Value
Securities available for sale:
Mortgage-backed securities:
US Government-sponsored enterprises	$	---	$	333,339	$	---	$	333,339
US Government agencies	$	---	$	79,238	$	---	$	79,238
Private label	$	---	$	1,217	$	---	$	1,217
Obligations of states and political subdivisions thereof	$	---	$	123,493	$	---	$	123,493
Derivative assets	$	---	$	737	$	---	$	737


		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 September 30, 2016		Inputs		Inputs		Inputs		Fair Value		Loss

Other real estate owned	$	---	$	---	$	189	$	189	$	53
Collateral dependent impaired loans	$	---	$	---	$	3,284	$	3,284	$	---


		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	$	---

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Fair Value Of Financial Instruments (Tables)

9 Months Ended

Sep. 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
September 30, 2016		Value		Inputs		Inputs		Inputs		Fair Value
Financial Assets:
Cash and cash equivalents	$	14,571	$	14,571	$	---	$	---	$	14,571
Federal Home Loan Bank stock		23,712		---		23,712		---		23,712
Loans, net		1,078,140		---		---		1,079,757		1,079,757
Interest receivable		5,287		---		5,287		---		5,287

Financial liabilities:
Deposits (with no stated maturity)	$	603,750	$	---	$	603,750	$	---	$	603,750
Time deposits		429,775		---		434,022		---		434,022
Borrowings		512,495		---		513,372		---		513,372
Interest payable		593		---		593		---		593


		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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Subsequent Event (Narrative) (Details) - Subsequent Event [Member]	Oct. 25, 2016 $ / shares
Business Acquisition [Line Items]
Dividends payable, date declared	Oct. 25, 2016
Dividends payable, cents per share	$ 28.0
Dividends payable, increase in cents	$ 2.0
Dividends payable, increase in percentage	7.70%
Dividends payable, date of record	Nov. 14, 2016
Dividends payable, date to be paid	Dec. 15, 2016

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Merger And Acquisition Activity (Narrative) (Details) - Lake Sunapee Bank Group [Member] - USD ($) $ in Thousands		3 Months Ended	9 Months Ended
	May 05, 2016	Sep. 30, 2016	Sep. 30, 2016
Business Acquisition [Line Items]
Date of acquisition agreement			May 05, 2016
Acquisition, all-stock transaction value	$ 143,000
Acquisition, non-interest expense		$ 320	$ 812
Acquisition, not tax deductible non-interest expense		$ 256	$ 725
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

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Management's Use Of Estimates (Narrative) (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Management's Use Of Estimates [Abstract]
Deferred tax assets, valuation allowance	$ 0	$ 0

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Earnings Per Share (Reconciliation Of Basic And Diluted Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Earnings Per Share [Abstract]
Net income	$ 3,632	$ 3,931	$ 12,349	$ 11,685
Weighted average common shares outstanding
Basic	6,042,384	5,991,073	6,024,365	5,972,927
Effect of dilutive employee stock options	65,408	75,757	67,339	81,667
Diluted	6,107,792	6,066,830	6,091,704	6,054,594
Anti-dilutive options excluded from earnings per share calculation	67,884	64,763	71,690	66,960
Per Common Share Data:
Basic earnings per share	$ 0.60	$ 0.66	$ 2.05	$ 1.96
Diluted earnings per share	$ 0.59	$ 0.65	$ 2.03	$ 1.93

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Securities Available For Sale (Narrative) (Details) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2016 USD ($) security shares	Dec. 31, 2015 USD ($)
Schedule of Available for sale Securities [Line Items]
Unrealized gain, net of tax	$ 134	$ 462
Unrealized losses on securities	1,353	3,041
US Government-Sponsored Enterprises [Member]
Schedule of Available for sale Securities [Line Items]
Unrealized losses on securities	734	2,155
US Government Agencies [Member]
Schedule of Available for sale Securities [Line Items]
Unrealized losses on securities	$ 134	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	$ 46
Unrealized losses on securities	11	11
Obligations Of States And Political Subdivisions Thereof [Member]
Schedule of Available for sale Securities [Line Items]
Unrealized losses on securities	$ 474	$ 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

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Securities Available For Sale (Summary Of Securities Available For Sale) (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Schedule of Available for sale Securities [Line Items]
Available for Sale, Amortized Cost	$ 525,456	$ 496,179
Available for Sale, Gross Unrealized Gains	13,184	11,831
Available for Sale, Gross Unrealized Losses	1,353	3,041
Available for Sale, Estimated Fair Value	537,287	504,969
US Government-Sponsored Enterprises [Member]
Schedule of Available for sale Securities [Line Items]
Available for Sale, Amortized Cost	326,805	304,106
Available for Sale, Gross Unrealized Gains	7,268	5,042
Available for Sale, Gross Unrealized Losses	734	2,155
Available for Sale, Estimated Fair Value	333,339	306,993
US Government Agencies [Member]
Schedule of Available for sale Securities [Line Items]
Available for Sale, Amortized Cost	77,803	78,408
Available for Sale, Gross Unrealized Gains	1,569	1,269
Available for Sale, Gross Unrealized Losses	134	547
Available for Sale, Estimated Fair Value	79,238	79,130
Private Label [Member]
Schedule of Available for sale Securities [Line Items]
Available for Sale, Amortized Cost	1,014	2,713
Available for Sale, Gross Unrealized Gains	214	762
Available for Sale, Gross Unrealized Losses	11	11
Available for Sale, Estimated Fair Value	1,217	3,464
Obligations Of States And Political Subdivisions Thereof [Member]
Schedule of Available for sale Securities [Line Items]
Available for Sale, Amortized Cost	119,834	110,952
Available for Sale, Gross Unrealized Gains	4,133	4,758
Available for Sale, Gross Unrealized Losses	474	328
Available for Sale, Estimated Fair Value	$ 123,493	$ 115,382

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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	Sep. 30, 2016	Dec. 31, 2015
Securities Available For Sale [Abstract]
Amortized Cost, Due one year or less	$ 140
Amortized Cost, Due after one year through five years	6,510
Amortized Cost, Due after five years through ten years	16,068
Amortized Cost, Due after ten years	502,738
Securities Available for Sale, Amortized Cost	525,456	$ 496,179
Estimated Fair Value, Due one year or less	140
Estimated Fair Value, Due after one year through five years	6,637
Estimated Fair Value, Due after five years through ten years	16,756
Estimated Fair Value, Due after ten years	513,754
Securities Available for Sale, Estimated Fair Value	$ 537,287	$ 504,969

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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		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Securities Available For Sale [Abstract]
Estimated credit losses as of June 30 / prior year-end,	$ 1,697	$ 3,180	$ 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			1,483	233
Estimated credit losses as of September 30,	$ 1,697	$ 3,180	$ 1,697	$ 3,180

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Securities Available For Sale (Summary Of Fair Value Of Securities With Continuous Unrealized Losses) (Details) $ in Thousands	Sep. 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	$ 97,334	$ 148,059
Securities with continuous unrealized losses, Less than 12 months, Number of Investments \| security	137	199
Securities with continuous unrealized losses, Less than 12 months, Unrealized Losses	$ 933	$ 1,880
Securities with continuous unrealized losses, 12 months or longer, Estimated Fair Value	$ 16,497	$ 38,756
Securities with continuous unrealized losses, 12 months or longer, Number of Investments \| security	50	71
Securities with continuous unrealized losses, 12 months or longer, Unrealized Losses	$ 420	$ 1,161
Securities with continuous unrealized losses, Total, Estimated Fair Value	$ 113,831	$ 186,815
Securities with continuous unrealized losses, Total, Number of Investments \| security	187	270
Securities with continuous unrealized losses, Total, Unrealized Losses	$ 1,353	$ 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	$ 59,696	$ 112,770
Securities with continuous unrealized losses, Less than 12 months, Number of Investments \| security	72	142
Securities with continuous unrealized losses, Less than 12 months, Unrealized Losses	$ 503	$ 1,342
Securities with continuous unrealized losses, 12 months or longer, Estimated Fair Value	$ 8,365	$ 23,646
Securities with continuous unrealized losses, 12 months or longer, Number of Investments \| security	21	33
Securities with continuous unrealized losses, 12 months or longer, Unrealized Losses	$ 231	$ 813
Securities with continuous unrealized losses, Total, Estimated Fair Value	$ 68,061	$ 136,416
Securities with continuous unrealized losses, Total, Number of Investments \| security	93	175
Securities with continuous unrealized losses, Total, Unrealized Losses	$ 734	$ 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	$ 11,643	$ 20,201
Securities with continuous unrealized losses, Less than 12 months, Number of Investments \| security	17	30
Securities with continuous unrealized losses, Less than 12 months, Unrealized Losses	$ 64	$ 326
Securities with continuous unrealized losses, 12 months or longer, Estimated Fair Value	$ 4,008	$ 11,232
Securities with continuous unrealized losses, 12 months or longer, Number of Investments \| security	14	22
Securities with continuous unrealized losses, 12 months or longer, Unrealized Losses	$ 70	$ 221
Securities with continuous unrealized losses, Total, Estimated Fair Value	$ 15,651	$ 31,433
Securities with continuous unrealized losses, Total, Number of Investments \| security	31	52
Securities with continuous unrealized losses, Total, Unrealized Losses	$ 134	$ 547
Private Label [Member]
Schedule of Available for sale Securities [Line Items]
Securities with continuous unrealized losses, Less than 12 months, Estimated Fair Value	$ 185	$ 235
Securities with continuous unrealized losses, Less than 12 months, Number of Investments \| security	1	2
Securities with continuous unrealized losses, Less than 12 months, Unrealized Losses	$ 3	$ 2
Securities with continuous unrealized losses, 12 months or longer, Estimated Fair Value	$ 158	$ 178
Securities with continuous unrealized losses, 12 months or longer, Number of Investments \| security	6	5
Securities with continuous unrealized losses, 12 months or longer, Unrealized Losses	$ 8	$ 9
Securities with continuous unrealized losses, Total, Estimated Fair Value	$ 343	$ 413
Securities with continuous unrealized losses, Total, Number of Investments \| security	7	7
Securities with continuous unrealized losses, Total, Unrealized Losses	$ 11	$ 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	$ 25,810	$ 14,853
Securities with continuous unrealized losses, Less than 12 months, Number of Investments \| security	47	25
Securities with continuous unrealized losses, Less than 12 months, Unrealized Losses	$ 363	$ 210
Securities with continuous unrealized losses, 12 months or longer, Estimated Fair Value	$ 3,966	$ 3,700
Securities with continuous unrealized losses, 12 months or longer, Number of Investments \| security	9	11
Securities with continuous unrealized losses, 12 months or longer, Unrealized Losses	$ 111	$ 118
Securities with continuous unrealized losses, Total, Estimated Fair Value	$ 29,776	$ 18,553
Securities with continuous unrealized losses, Total, Number of Investments \| security	56	36
Securities with continuous unrealized losses, Total, Unrealized Losses	$ 474	$ 328

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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	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2016	Sep. 30, 2015
Securities Available For Sale [Abstract]
Proceeds from Sale of Securities Available for Sale	$ 21,776	$ 66,431	$ 20,428
Realized Gains	1,354	4,489	1,206
Net	$ 1,354	$ 4,489	$ 1,206

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Loans And Allowance For Loan Losses (Narrative) (Details) $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2016 USD ($) loan	Sep. 30, 2015 USD ($) 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	14		6
Number of defaulted loans that had been modified as TDRs \| loan	1	0
Modified troubled debt restructurings resulting in default	$ 40	$ 0
Number of relationships to loans classified as troubled debt restructurings \| loan	26		17
Loans	$ 533,750		$ 506,842
Loans to relationships classified as TDRs, Total	4,323		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	1,403		826
Total other real estate owned	$ 189	$ 818	$ 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	12		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	5		4
Loans	$ 97,608		$ 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	$ 15,869		$ 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	2		1
Lodging And Hospitality Industry [Member]
Loans And Allowance For Loan Losses [Line Items]
Percentage of commercial real estate mortgage portfolio	32.00%
Loans	$ 123,946		$ 98,231

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Loans And Allowance For Loan Losses (Summary Of Composition Of Loan Portfolio) (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net deferred loan costs and fees	$ (167)	$ 104
Total loans	1,088,243	990,070
Allowance for loan losses	(10,103)	(9,439)
Loans, net of allowance for loan losses	1,078,140	980,631
Commercial Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	387,838	371,002
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	97,608	79,911
Commercial Construction And Land Development [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	15,869	24,926
Agricultural And Other Loans To Farmers [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	32,435	31,003
Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	533,750	506,842
Residential Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	484,347	408,401
Home Equity Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	47,640	51,530
Other Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	6,564	7,949
Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	538,551	467,880
Tax Exempt Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, gross	$ 16,109	$ 15,244

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Loans And Allowance For Loan Losses (Summary Of Non Performing Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	$ 6,402	$ 6,980
Accruing loans contractually past due 90 days or more		28
Non-Performing [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total commercial loans	2,754	2,698
Total consumer loans	3,648	4,282
Total non-accrual loans	6,402	6,980
Accruing loans contractually past due 90 days or more		28
Total non-performing loans	6,402	7,008
Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	1,841	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	1,841	1,279
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	276	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	276	292
Commercial Construction And Land Development [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	637	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	637	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		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	3,429	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	3,429	3,452
Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	102	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	102	820
Other Consumer Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accrual loans	117	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	$ 117	$ 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		9 Months Ended
	Sep. 30, 2016 USD ($) loan	Sep. 30, 2015 USD ($) loan	Sep. 30, 2016 USD ($) loan	Sep. 30, 2015 USD ($) loan
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan	5	3	10	7
Pre-Modification Outstanding Recorded Investment	$ 996	$ 214	$ 1,451	$ 1,499
Post-Modification Outstanding Recorded Investment	$ 975	$ 226	$ 1,410	$ 1,508
Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan	2	3	5	3
Pre-Modification Outstanding Recorded Investment	$ 936	$ 214	$ 1,361	$ 214
Post-Modification Outstanding Recorded Investment	$ 915	$ 226	$ 1,326	$ 226
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan	2		2
Pre-Modification Outstanding Recorded Investment	$ 51		$ 51
Post-Modification Outstanding Recorded Investment	$ 51		$ 51
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			$ 24	$ 16
Commercial Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan	4	3	9	4
Pre-Modification Outstanding Recorded Investment	$ 987	$ 214	$ 1,442	$ 232
Post-Modification Outstanding Recorded Investment	$ 966	$ 226	$ 1,401	$ 242
Residential Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan				3
Pre-Modification Outstanding Recorded Investment				$ 1,267
Post-Modification Outstanding Recorded Investment				$ 1,266
Other Consumer Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan	1		1
Pre-Modification Outstanding Recorded Investment	$ 9		$ 9
Post-Modification Outstanding Recorded Investment	$ 9		$ 9
Consumer Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan	1		1	3
Pre-Modification Outstanding Recorded Investment	$ 9		$ 9	$ 1,267
Post-Modification Outstanding Recorded Investment	$ 9		$ 9	$ 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		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Loans And Allowance For Loan Losses [Abstract]
Extended maturity and adjusted interest rate		$ 118		$ 134
Extended maturity and adjusted payment	$ 60		$ 468
Adjusted payment	915		915	607
Adjusted payment and capitalize interest				187
Extended maturity, adjusted interest rate and adjusted payment		108		580
Other concessions			27
Total	$ 975	$ 226	$ 1,410	$ 1,508

XML 64 R53.htm IDEA: XBRL DOCUMENT

Loans And Allowance For Loan Losses (Schedule Of Past Due Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 4,485	$ 6,276
Current	1,083,925	983,690
Total Loans	1,088,410	989,966
Non-Accrual	6,402	6,980
Greater Than 90 Days Past Due and Accruing		28
30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,051	1,744
60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	604	810
90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,830	3,722
Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,313	627
Current	386,525	370,375
Total Loans	387,838	371,002
Non-Accrual	1,841	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	281	99
Commercial Real Estate Mortgages [Member] \| 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	163	287
Commercial Real Estate Mortgages [Member] \| 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	869	241
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	233	281
Current	97,375	79,630
Total Loans	97,608	79,911
Non-Accrual	276	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	43	9
Commercial And Industrial [Member] \| 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		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	637	1,111
Current	15,232	23,815
Total Loans	15,869	24,926
Non-Accrual	637	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	637	1,111
Agriculture And Other Loans To Farmers [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	29	85
Current	32,406	30,918
Total Loans	32,435	31,003
Non-Accrual		16
Greater Than 90 Days Past Due and Accruing		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		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	29	70
Agriculture And Other Loans To Farmers [Member] \| 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		3
Residential Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,213	3,064
Current	482,134	403,588
Total Loans	484,347	406,652
Non-Accrual	3,429	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	720	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	409	452
Residential Real Estate Mortgages [Member] \| 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,084	1,299
Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	40	1,042
Current	47,600	50,488
Total Loans	47,640	51,530
Non-Accrual	102	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	1	245
Home Equity Loans [Member] \| 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	39	797
Other Consumer Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	20	66
Current	6,544	9,632
Total Loans	6,564	9,698
Non-Accrual	117	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	6	66
Other Consumer Loans [Member] \| 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3
Other Consumer Loans [Member] \| 90 Days Or Greater [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	11
Tax Exempt [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	16,109	15,244
Total Loans	16,109	$ 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		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015
Financing Receivable, Impaired [Line Items]
Impaired loans, with no related allowance, Recorded Investment	$ 4,805		$ 4,805		$ 3,350
Impaired loans, with no related allowance, Unpaid Principal Balance	5,010		5,010		3,574
Impaired loans, with related allowance, Recorded Investment	2,026		2,026		2,389
Impaired loans, with related allowance, Unpaid Principal Balance	4,101		4,101		4,464
Impaired Financing Receivable, Recorded Investment	6,831		6,831		5,739
Impaired Financing Receivable, Unpaid Principal Balance	9,111		9,111		8,038
Impaired loans, with related allowance, Related Allowance	371		371		373
Impaired loans, with no related allowance, Average Recorded Investment	4,395	$ 4,112	4,346	$ 4,931
Impaired loans, with no related allowance, Interest Recorded	60	33	198	78
Impaired loans, with related allowance, Average Recorded Investment	2,074	2,249	2,048	2,249
Impaired loans, with related allowance, Interest Recorded
Impaired loans, Average Recorded Investment, Total	6,469	6,361	6,394	7,180
Impaired loans, Interest Recorded, Total	60	33	198	78
Commercial Real Estate Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans, with no related allowance, Recorded Investment	3,308		3,308		1,692
Impaired loans, with no related allowance, Unpaid Principal Balance	3,396		3,396		1,736
Impaired loans, with related allowance, Recorded Investment	659		659		531
Impaired loans, with related allowance, Unpaid Principal Balance	659		659		531
Impaired loans, with related allowance, Related Allowance	40		40		43
Impaired loans, with no related allowance, Average Recorded Investment	2,775	2,408	2,713	3,099
Impaired loans, with no related allowance, Interest Recorded	38	20	131	42
Impaired loans, with related allowance, Average Recorded Investment	533	405	551	405
Impaired loans, with related allowance, Interest Recorded
Commercial And Industrial [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans, with no related allowance, Recorded Investment	136		136		202
Impaired loans, with no related allowance, Unpaid Principal Balance	136		136		352
Impaired loans, with related allowance, Recorded Investment	219		219		224
Impaired loans, with related allowance, Unpaid Principal Balance	369		369		374
Impaired loans, with related allowance, Related Allowance	174		174		175
Impaired loans, with no related allowance, Average Recorded Investment	138	231	141	334
Impaired loans, with no related allowance, Interest Recorded	1	2	2	7
Impaired loans, with related allowance, Average Recorded Investment	220	226	221	228
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	637		637		1,111
Impaired loans, with related allowance, Unpaid Principal Balance	2,562		2,562		3,036
Impaired loans, with related allowance, Related Allowance	60		60		58
Impaired loans, with no related allowance, Interest Recorded
Impaired loans, with related allowance, Average Recorded Investment	809	1,260	928	1,260
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	122		122		106
Impaired loans, with no related allowance, Unpaid Principal Balance	122		122		106
Impaired loans, with no related allowance, Average Recorded Investment	124	123	131	155
Impaired loans, with no related allowance, Interest Recorded	3	3	8	7
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	1,223		1,223		1,332
Impaired loans, with no related allowance, Unpaid Principal Balance	1,340		1,340		1,362
Impaired loans, with related allowance, Recorded Investment	495		495		515
Impaired loans, with related allowance, Unpaid Principal Balance	495		495		515
Impaired loans, with related allowance, Related Allowance	87		87		97
Impaired loans, with no related allowance, Average Recorded Investment	1,342	1,332	1,344	1,325
Impaired loans, with no related allowance, Interest Recorded	17	8	55	21
Impaired loans, with related allowance, Average Recorded Investment	496	348	331	346
Impaired loans, with related allowance, Interest Recorded
Home Equity Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans, with no related allowance, Recorded Investment	16		16		18
Impaired loans, with no related allowance, Unpaid Principal Balance	16		16		18
Impaired loans, with no related allowance, Average Recorded Investment	16	18	17	18
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	16		16		8
Impaired loans, with related allowance, Unpaid Principal Balance	16		16		8
Impaired loans, with no related allowance, Related Allowance
Impaired loans, with related allowance, Related Allowance	10		10
Impaired loans, with no related allowance, Interest Recorded	1		1
Impaired loans, with related allowance, Average Recorded Investment	16	$ 10	$ 17	$ 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	Sep. 30, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	$ 533,750	$ 506,842
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	502,092	474,116
Other Assets Especially Mentioned [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	13,363	10,253
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	18,293	22,472
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan
Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	2	1
Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	387,838	371,002
Commercial Real Estate Mortgages [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	361,326	345,197
Commercial Real Estate Mortgages [Member] \| Other Assets Especially Mentioned [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	11,404	7,381
Commercial Real Estate Mortgages [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	15,108	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
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	97,608	79,911
Commercial And Industrial [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	93,652	74,771
Commercial And Industrial [Member] \| Other Assets Especially Mentioned [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	1,680	2,349
Commercial And Industrial [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	2,274	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	15,869	24,926
Commercial Construction And Land Development [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	15,232	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	637	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	32,435	31,003
Agriculture And Other Loans To Farmers [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	31,882	30,688
Agriculture And Other Loans To Farmers [Member] \| Other Assets Especially Mentioned [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	279	168
Agriculture And Other Loans To Farmers [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Commercial loan	274	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		9 Months Ended		12 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	$ 9,891	$ 9,099	$ 9,439	$ 8,969	$ 8,969
Charged off	(120)	(585)	(383)	(1,543)	(1,619)
Recoveries	193	98	293	291	304
Provision	139	425	754	1,320	1,785
Ending Balance	10,103	9,037	10,103	9,037	9,439
Amount for loans individually evaluated for impairment	371	291	371	291	373
Amount for loans collectively evaluated for impairment	9,732	8,746	9,732	8,746	9,066
Loans individually evaluated for impairment	6,831	5,470	6,831	5,470	5,739
Loans collectively evaluated for impairment	1,081,579	970,433	1,081,579	970,433	984,227
Commercial Real Estate Mortgages [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	4,665	4,289	4,246	4,468	4,468
Charged off	(99)	(461)	(133)	(667)	(667)
Recoveries	22	58	35	97	98
Provision	321	600	761	588	347
Ending Balance	4,909	4,486	4,909	4,486	4,246
Amount for loans individually evaluated for impairment	40	39	40	39	43
Amount for loans collectively evaluated for impairment	4,869	4,447	4,869	4,447	4,203
Loans individually evaluated for impairment	3,967	1,988	3,967	1,988	2,223
Loans collectively evaluated for impairment	383,871	370,529	383,871	370,529	368,779
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	1,267	1,147	1,236	929	929
Charged off		(22)	(90)	(310)	(323)
Recoveries	151	31	155	33	36
Provision	(85)	(49)	32	455	594
Ending Balance	1,333	1,107	1,333	1,107	1,236
Amount for loans individually evaluated for impairment	174	176	174	176	175
Amount for loans collectively evaluated for impairment	1,159	931	1,159	931	1,061
Loans individually evaluated for impairment	355	437	355	437	426
Loans collectively evaluated for impairment	97,253	77,451	97,253	77,451	79,485
Commercial Construction And Land Development [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	195	145	184	145	145
Charged off
Recoveries
Provision	(53)	(12)	(42)	(12)	39
Ending Balance	142	133	142	133	184
Amount for loans individually evaluated for impairment	60	24	60	24	58
Amount for loans collectively evaluated for impairment	82	109	82	109	126
Loans individually evaluated for impairment	637	1,260	637	1,260	1,111
Loans collectively evaluated for impairment	15,232	23,894	15,232	23,894	23,815
Agriculture And Other Loans To Farmers [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	383	372	307	277	277
Charged off		(54)		(72)	(72)
Recoveries	5	3	45	15	18
Provision	(34)	28	2	129	84
Ending Balance	354	349	354	349	307
Amount for loans collectively evaluated for impairment	354	349	354	349	307
Loans individually evaluated for impairment	122	108	122	108	106
Loans collectively evaluated for impairment	32,313	32,412	32,313	32,412	30,897
Residential Real Estate Mortgages [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	2,683	2,485	2,747	2,714	2,714
Charged off	(19)		(141)	(70)	(70)
Recoveries	8		36	129	129
Provision	8	(182)	38	(470)	(26)
Ending Balance	2,680	2,303	2,680	2,303	2,747
Amount for loans individually evaluated for impairment	87	52	87	52	97
Amount for loans collectively evaluated for impairment	2,593	2,251	2,593	2,251	2,650
Loans individually evaluated for impairment	1,718	1,650	1,718	1,650	1,847
Loans collectively evaluated for impairment	482,629	389,418	482,629	389,418	404,805
Consumer Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	100	110	111	94	94
Charged off	(2)	(23)	(19)	(48)	(111)
Recoveries	4	6	17	17	22
Provision	16	11	9	41	106
Ending Balance	118	104	118	104	111
Amount for loans collectively evaluated for impairment	118	104	118	104	111
Loans individually evaluated for impairment	16	9	16	9	8
Loans collectively evaluated for impairment	6,548	10,138	6,548	10,138	9,690
Home Equity Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	547	472	561	271	271
Charged off		(25)		(376)	(376)
Recoveries	3		5		1
Provision	(35)	34	(51)	586	665
Ending Balance	515	481	515	481	561
Amount for loans individually evaluated for impairment	10		10
Amount for loans collectively evaluated for impairment	505	481	505	481	561
Loans individually evaluated for impairment	16	18	16	18	18
Loans collectively evaluated for impairment	47,624	51,272	47,624	51,272	51,512
Tax Exempt [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	51	79	47	71	71
Charged off
Recoveries
Provision	1	(5)	5	3	(24)
Ending Balance	52	74	52	74	47
Amount for loans collectively evaluated for impairment	52	74	52	74	47
Loans collectively evaluated for impairment	$ 16,109	$ 15,319	$ 16,109	$ 15,319	$ 15,244

XML 68 R57.htm IDEA: XBRL DOCUMENT

Other Real Estate Owned (Narrative) (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Other Real Estate Owned [Abstract]
Real estate loans under foreclosure	$ 2,852	$ 4,575

XML 69 R58.htm IDEA: XBRL DOCUMENT

Other Real Estate Owned (Schedule Of OREO Activity) (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
Other Real Estate Owned [Abstract]
Balance at beginning of year	$ 256	$ 523
Additions		425
Disposals	(20)	(110)
Writedowns	(47)	(20)
Balance at end of period	$ 189	$ 818

XML 70 R59.htm IDEA: XBRL DOCUMENT

Other Real Estate Owned (Schedule Of OREO Portfolio By Property Type) (Details) $ in Thousands	Sep. 30, 2016 USD ($) property	Dec. 31, 2015 USD ($)	Sep. 30, 2015 USD ($) property	Dec. 31, 2014 USD ($)
OREO By Property Type [Line Items]
Number of properties \| property	2		6
Carrying value, OREO \| $	$ 189	$ 256	$ 818	$ 523
Residential [Member]
OREO By Property Type [Line Items]
Number of properties \| property	1		3
Carrying value, OREO \| $	$ 99		$ 143
Commercial Real Estate Mortgages [Member]
OREO By Property Type [Line Items]
Number of properties \| property	1		3
Carrying value, OREO \| $	$ 90		$ 675

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	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2016	Sep. 30, 2015
Other Real Estate Owned [Abstract]
Net (losses) gains on OREO	$ (6)	$ (53)	$ 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		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net securities gains	$ 1,354		$ 4,489	$ 1,206
Salaries and benefits	(4,832)	$ (4,623)	(14,648)	(13,244)
Provision for income taxes	1,850	1,548	5,450	4,694
Net income	$ 3,632	$ 3,931	12,349	11,685
Net income, net of tax			2,904	765
Reclassification Out Of Accumulated Other Comprehensive Income [Member] \| Realized Gains And Losses On Available-For-Sale Securities [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net securities gains			4,489	1,206
Provision for income taxes			(1,571)	(422)
Net income			2,918	784
Reclassification Out Of Accumulated Other Comprehensive Income [Member] \| Amortization Of Prior Service Cost And Actuarial (Loss) Gain For Supplemental Executive Retirement Plan [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and benefits			(21)	(28)
Provision for income taxes			7	9
Net income			$ (14)	$ (19)

- 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	9 Months Ended	12 Months Ended
	Sep. 30, 2016 USD ($) contract	Sep. 30, 2016 USD ($) contract	Dec. 31, 2014 USD ($)	Dec. 31, 2015 USD ($)
Derivative [Line Items]
Fair value	$ 737	$ 737		$ 2,069
Amortization amount from premiums paid	$ 14	$ 24
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	737	737		$ 2,069
Interest rate cash flow hedge gain (loss) to be reclassified during next 12 months	$ 194	$ 194

XML 74 R63.htm IDEA: XBRL DOCUMENT

Financial Derivative Instruments (Schedule of Notional Amounts of Outstanding Derivative Positions) (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2016	Dec. 31, 2015
Derivative [Line Items]
Unamortized Premium	$ 4,540	$ 4,564
Fair value	737	$ 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	910
Fair value	60
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	1,461
Fair value	251
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	630
Fair value	71
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	1,539
Fair value	$ 355

XML 75 R64.htm IDEA: XBRL DOCUMENT

Financial Derivative Instruments (Schedule of Interest Rate Derivatives) (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2016	Dec. 31, 2015
Financial Derivative Instruments [Abstract]
Unrealized losses on interest rate caps, Gross	$ (3,803)	$ (2,495)
Unamortized premium on interest rate caps, Gross	4,540	4,564
Total, Gross	737	2,069
Unrealized losses on interest rate caps, Net of Tax	(2,472)	(1,621)
Unamortized premium on interest rate caps, Net of Tax	2,951	2,966
Total, Net of Tax	$ 479	$ 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		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Retirement Benefit Plans [Abstract]
Service cost	$ 18	$ 17	$ 54	$ 53
Interest cost	32	32	96	94
Actuarial loss on supplemental executive retirement plan, net of tax	7		21	19
Net periodic benefit cost	$ 57	$ 49	171	$ 166
Recognized expense for the foregoing plans			228
Expected contributions to forgoing plans			291
Contributions to plans			$ 216

XML 77 R66.htm IDEA: XBRL DOCUMENT

Commitments And Contingent Liabilities (Narrative) (Details)	9 Months Ended
	Sep. 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	Sep. 30, 2016	Dec. 31, 2015
Commitments To Originate Loans [Member]
Long-term Purchase Commitment [Line Items]
Contractual amount of commitment and contingent liability	$ 28,551	$ 41,529
Unused Lines Of Credit [Member]
Long-term Purchase Commitment [Line Items]
Contractual amount of commitment and contingent liability	94,823	97,283
Un-Advanced Portions Of Construction Loans [Member]
Long-term Purchase Commitment [Line Items]
Contractual amount of commitment and contingent liability	19,622	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	9 Months Ended
	Sep. 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	$ 401	$ 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	Sep. 30, 2016	Dec. 31, 2015
Goodwill And Other Intangible Assets [Abstract]
Gross carrying amount	$ 783	$ 783
Less: accumulated amortization	382	313
Net carrying amount	$ 401	$ 470

XML 81 R70.htm IDEA: XBRL DOCUMENT

Fair Value Measurements (Narrative) (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2016	Dec. 31, 2015
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, allowance	$ 371	$ 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	$ 3,284	1,999
Impaired loans, allowance	$ 311	$ 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	Sep. 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	$ 333,339	$ 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	333,339	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	79,238	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	79,238	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	1,217	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	1,217	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	123,493	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	123,493	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	737	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	$ 737	$ 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	9 Months Ended	12 Months Ended
	Sep. 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	$ 189	$ 256
Loss	53	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	189	256
Collateral Dependent Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	3,284	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	$ 3,284	$ 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	Sep. 30, 2016	Dec. 31, 2015
Financial Liabilities:
Time deposits	$ 429,775	$ 396,729
Level 1 Inputs [Member]
Financial Assets:
Cash and cash equivalents	14,571	9,720
Level 2 Inputs [Member]
Financial Assets:
Federal Home Loan Bank stock	23,712	21,479
Interest receivable	5,287	5,420
Financial Liabilities:
Deposits (with no stated maturity)	603,750	546,058
Time deposits	434,022	399,146
Borrowings	513,372	473,404
Interest payable	593	527
Level 3 Inputs [Member]
Financial Assets:
Loans, net	1,079,757	975,610
Carrying Value [Member]
Financial Assets:
Cash and cash equivalents	14,571	9,720
Federal Home Loan Bank stock	23,712	21,479
Loans, net	1,078,140	980,631
Interest receivable	5,287	5,420
Financial Liabilities:
Deposits (with no stated maturity)	603,750	546,058
Time deposits	429,775	396,729
Borrowings	512,495	474,791
Interest payable	593	527
Fair Value [Member]
Financial Assets:
Cash and cash equivalents	14,571	9,720
Federal Home Loan Bank stock	23,712	21,479
Loans, net	1,079,757	975,610
Interest receivable	5,287	5,420
Financial Liabilities:
Deposits (with no stated maturity)	603,750	546,058
Time deposits	434,022	399,146
Borrowings	513,372	473,404
Interest payable	$ 593	$ 527

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