0001571049-15-006744.txt : 20150814 0001571049-15-006744.hdr.sgml : 20150814 20150814152004 ACCESSION NUMBER: 0001571049-15-006744 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 9 CONFORMED PERIOD OF REPORT: 20150630 FILED AS OF DATE: 20150814 DATE AS OF CHANGE: 20150814 FILER: COMPANY DATA: COMPANY CONFORMED NAME: WELLS FINANCIAL CORP CENTRAL INDEX KEY: 0000934739 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 411799504 STATE OF INCORPORATION: MN FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 033-87922 FILM NUMBER: 151055240 BUSINESS ADDRESS: STREET 1: 53 FIRST ST SW STREET 2: P.O. BOX 310 CITY: WELLS STATE: MN ZIP: 56097 BUSINESS PHONE: 5075533151 MAIL ADDRESS: STREET 1: 53 1ST ST SW STREET 2: PO BOX 310 CITY: WELLS STATE: MN ZIP: 56097 10-Q 1 t1501886_10q.htm FORM 10-Q

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

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

For the quarterly period ended June 30, 2015

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

For the transition period from ____________ to ____________

Commission File No. 333-202694

WELLS FINANCIAL CORP.

(Exact name of registrant as specified in its charter)

Minnesota	41-1799504
(State or other jurisdiction of incorporation or organization)	(IRS Employer Identification No.)

53 First Street, S.W., Wells, Minnesota	56097
(Address of principal executive offices)	(Zip Code)

(507) 553-3151

(Registrant's telephone number, including area code)

N/A

(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 ¨ No x

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).

Yes x No ¨

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

Large accelerated filer ¨

Accelerated filer ¨

Non-accelerated filer ¨

Smaller reporting company x

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes ¨ No x

As of August 12, 2015, there were issued and outstanding 811,478 shares of the registrant's common stock.

WELLS FINANCIAL CORP.

FORM 10-Q

FOR THE QUARTER ENDED JUNE 30, 2015

INDEX

		Page
Part I	FINANCIAL INFORMATION

Item 1.	Financial Statements	1-30
Item 2.	Management's Discussion and Analysis of Financial Condition and Results of Operations	31-38
Item 3.	Quantitative and Qualitative Disclosures About Market Risk	39
Item 4.	Controls and Procedures	39

Part II	OTHER INFORMATION

Item 1.	Legal Proceedings	39
Item 1A.	Risk Factors	39
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	40
Item 3.	Defaults Upon Senior Securities	40
Item 4.	Mine Safety Disclosures	40
Item 5.	Other Information	41
Item 6.	Exhibits	41

SIGNATURES

EXHIBITS and CERTIFICATIONS

Table of Contents

PART I. FINANCIAL INFORMATION

Item 1. Financial Statements

Wells Financial Corp. and Subsidiary
Consolidated Balance Sheets
(Dollars in Thousands, Except Per Share Data)

	June 30,			December 31,
	2015			2014
	(unaudited)
Assets

Cash and cash equivalents, including interest-bearing accounts, 2015, $11,037; 2014, $7,411	$	19,865		$	14,373
Certificates of deposit, at cost		1,241			4,181
Federal funds sold		3,000			2,000
Securities available for sale		32,822			34,177
Federal Home Loan Bank stock, at cost		2,068			2,079
Loans held for sale		3,567			1,707
Loans receivable, net of allowance for loan loss of $2,184 in 2015; $2,158 in 2014;		177,859			182,050
Accrued interest receivable		966			834
Premises and equipment, net		3,079			3,172
Mortgage servicing rights, net		1,871			1,886
Foreclosed real estate		3,199			3,656
Other assets		1,764			1,711
Total assets	$	251,301		$	251,826

Liabilities, Mezzanine Equity and Stockholders’ Equity

Liabilities
Deposits	$	220,860		$	221,972
Advances from borrowers for taxes and insurance		2,621			2,630
Accrued interest payable		60			17
Accrued expenses and other liabilities		575			588
Total liabilities		224,116			225,207

Commitments, Contingencies and Credit Risk

Mezzanine Equity
Redeemable common stock held by ESOP, $0.10 par value, 95,602 shares issued, 89,928 outstanding at June 30, 2015; 95,602 outstanding at December 31, 2014		2,383			2,533

Stockholders’ Equity
Preferred stock, no par value; 500,000 shares authorized; none outstanding		-			-
Common stock, $0.10 par value; 7,000,000 shares authorized; 2,091,898 shares issued		209			209
Additional paid-in capital		17,116			17,110
Retained earnings, substantially restricted		36,479			35,552
Accumulated other comprehensive income		41			93
Treasury stock, 2015, 1,451,478 shares; 2014, 1,445,248 shares		(29,043	)		(28,878	)
Total stockholders’ equity		24,802			24,086
Total liabilities, mezzanine equity and stockholders’ equity	$	251,301		$	251,826

See Notes to Consolidated Financial Statements.

Table of Contents

Wells Financial Corp. and Subsidiary

Consolidated Statements of Income

(Dollars in Thousands, Except Per Share Data)

	Three Months Ended June 30,				Six Months Ended June 30,
	2015		2014		2015		2014
	(unaudited)				(unaudited)
Interest income:
Loans receivable	$	2,062	$	1,960	$	4,237	$	3,877
Investment securities and interest-bearing deposits		158		177		323		371
Total interest income		2,220		2,137		4,560		4,248

Interest expense:
Deposits		108		154		225		314
Total interest expense		108		154		225		314

Net interest income		2,112		1,983		4,335		3,934

Provision for loan losses		-		150		70		320
Net interest income after provision for loan losses		2,112		1,833		4,265		3,614

Noninterest income:
Gain on sale of loans held for sale		359		174		524		350
Loan servicing fees		215		207		430		432
Insurance commissions		169		151		341		292
Fees and service charges		123		112		229		217
Other		222		222		446		453
Total noninterest income		1,088		866		1,970		1,744

Noninterest expenses:
Compensation and benefits		1,145		1,188		2,257		2,367
Occupancy		173		193		357		401
Data processing		216		204		430		419
Advertising		64		62		123		110
Amortization of mortgage servicing rights		104		78		177		149
Other real estate owned		142		299		256		354
Other		472		516		945		980
Total noninterest expenses		2,316		2,540		4,545		4,780

Income before income taxes		884		159		1,690		578

Income tax expense		334		63		647		231
Net income	$	550	$	96	$	1,043	$	347

Earnings per share:
Basic	$	0.75	$	0.13	$	1.41	$	0.45
Diluted		0.75		0.13		1.41		0.45

See Notes to Consolidated Financial Statements.

Table of Contents

Wells Financial Corp. and Subsidiary

Consolidated Statements of Comprehensive Income

(Dollars in Thousands, Except Per Share Data)

	Three Months Ended June 30,					Six Months Ended June 30,
	2015			2014		2015			2014
	(unaudited)					(unaudited)

Net income	$	550		$	96	$	1,043		$	347
Other comprehensive (loss) income:
Unrealized (loss) gain on securities, net of related taxes		(176	)		89		(52	)		344
Comprehensive income	$	374		$	185	$	991		$	691

See Notes to Consolidated Financial Statements.

Table of Contents

Wells Financial Corp. and Subsidiary

Consolidated Statements of Stockholders’ Equity and Mezzanine Equity

(Dollars in thousands, Except Per Share Data)

(Unaudited)

	Common Stock		Additional Paid- In Capital		Retained Earnings			Accumulated Other Comprehensive Income (Loss)			Treasury Stock			Total Stockholders’ Equity			Mezzanine Equity Redeemable Common
Six Months Ended June 30, 2015
Balance, December 31, 2014	$	209	$	17,110	$	35,552		$	93		$	(28,878	)	$	24,086		$	2,533
Net income		-		-		1,043			-			-			1,043			-
Other comprehensive income, net of related taxes		-		-		-			(52	)		-			(52	)		-
Cash dividends declared ($0.36 per share)		-		-		(266	)		-			-			(266	)		-
Stock-based compensation		-		6		-			-			-			6			-
Treasury stock purchases, 6,230 shares		-		-		150			-			(165	)		(15	)		(150	)
Change in fair value related to redeemable common stock		-		-		-			-			-			-			-
Balance, June 30, 2015	$	209	$	17,116	$	36,479		$	41		$	(29,043	)	$	24,802		$	2,383

	Common Stock		Additional Paid- In Capital		Retained Earnings			Accumulated Other Comprehensive Income (Loss)			Treasury Stock			Total Stockholders’ Equity			Mezzanine Equity Redeemable Common
Six Months Ended June 30, 2014
Balance, December 31, 2013	$	209	$	17,096	$	34,893		$	(264	)	$	(28,193	)	$	23,741		$	2,342
Net income		-		-		347			-			-			347			-
Other comprehensive income, net of related taxes		-		-		-			344			-			344			-
Cash dividends declared ($0.30 per share)		-		-		(228	)		-			-			(228	)		-
Stock-based compensation		-		17		-			-						17			-
Treasury stock purchases, 10,308 shares		-		-		-			-			(242	)		(242	)		-
Change in fair value related to redeemable common stock		-		-		-			-			-			-			-
Balance, June 30, 2014	$	209	$	17,113	$	35,012		$	80		$	(28,435	)	$	23,979		$	2,342

See Notes to Consolidated Financial Statements

Table of Contents

Wells Financial Corp. and Subsidiary

Consolidated Statements of Cash Flows

(Dollars in Thousands, Except Per Share Data)

	Six Months Ended June 30,
	2015			2014
	(Unaudited)
Cash Flows From Operating Activities
Net income	$	1,043		$	347
Adjustment to reconcile net income to net cash (used in) provided by operating activities:
Provision for loan losses		70			320
Gain on sale of loans		(524	)		(350	)
Originations of loans held for sale		(17,747	)		(11,551	)
Proceeds from the sale of loans held for sale		16,411			11,898
Net change in mortgage servicing rights		15			43
Loss (gain) on sales of foreclosed real estate, net		15			(34	)
Depreciation expense		96			89
Amortization of net deferred loan origination fees		(43	)		(31	)
Amortization of securities premiums		106			102
Impairment of foreclosed real estate		94			258
Stock-based compensation expense		6			17
Changes in assets and liabilities:
Accrued interest receivable		(132	)		(51	)
Other assets		(14	)		40
Accrued expenses and other liabilities		30			(247	)
Net cash (used in) provided by operating activities		(574	)		850

Cash Flows From Investing Activities
Net decrease (increase) in loans		4,206			(1,308	)
Net decrease (increase) in certificates of deposit		2,940			(3,671	)
Net (increase) decrease in federal funds sold		(1,000	)		1,500
Purchase of Federal Home Loan Bank stock		(60	)		(89	)
Proceeds from sale of Federal Home Loan Bank stock		71			61
Purchase of securities available-for-sale		(3,124	)		(4,510	)
Maturities of available-for-sale securities		4,282			10,376
Purchase of premises and equipment		(3	)		(6	)
Investment in foreclosed real estate		-			(28	)
Proceeds from sales of foreclosed real estate		306			303
Net cash provided by investing activities		7,618			2,628

Cash Flows From Financing Activities
Net decrease in deposits		(1,112	)		(3,550	)
Net decrease in advances from borrowers for taxes and insurance		(9	)		(16	)
Dividends paid		(266	)		(228	)
Purchase of treasury stock		(165	)		(242	)
Net cash used in by financing activities		(1,552	)		(4,036	)

Net increase (decrease) in cash and cash equivalents		5,492			(558	)

Cash and Cash Equivalents
Beginning		14,373			12,625
Ending	$	19,865		$	12,067

See Notes to Consolidated Financial Statements

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

Note 1. Nature of Operations

Operations of Wells Financial Corp. (the Company) primarily consist of banking services through Wells Federal Bank (the Bank), and Wells Insurance Agency, Inc., a property and casualty insurance agency. The Company serves its customers through the Bank’s nine locations in south central Minnesota.

Note 2. Summary of Significant Accounting Policies

Basis of Financial Statement Presentation: The accompanying unaudited interim financial statements have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission. Certain information and footnote disclosures normally included in annual financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted as permitted by such rules and regulations. The accompanying consolidated balance sheet and related notes as of December 31, 2014 are derived from the audited consolidated financial statements as of that date. These condensed financial statements and related notes should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s audited consolidated financial statements for the year ended December 31, 2014 contained in the Company’s Form S-1. In the opinion of management, all adjustments (which consist of normal recurring accruals) necessary for a fair presentation of the consolidated financial statements have been included. Results for any interim period are not necessarily indicative of results to be expected for the year or any other interim period.

Segment reporting: The Company’s activities are considered to be a single industry segment for financial reporting purposes. The Company is engaged in commercial and retail banking, investment and insurance services with operations in southern Minnesota. Substantially all income is derived from a diverse base of commercial and retail lending activities.

Note 3. Certificates of Deposit

Certificates of deposit with a carrying value of $1,241 and $4,181 at June 30, 2015 and December 31, 2014, respectively, had weighted-average yields of 0.67 and 0.41 percent, respectively, and contractual maturities of less than one year.

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

Note 4. Securities Available for Sale

	June 30, 2015
			Gross		Gross
	Amortized		Unrealized		Unrealized
	Cost		Gains		Losses			Fair Value
Residential mortgage-backed agencies	$	22,041	$	57	$	(175	)	$	21,923
SBA pools		1,674		6		-			1,680
Obligations of states and political subdivisions		9,005		138		(42	)		9,101
Government-sponsored enterprise equity		40		78		-			118
	$	32,760	$	279	$	(217	)	$	32,822

	December 31, 2014
			Gross		Gross
	Amortized		Unrealized		Unrealized
	Cost		Gains		Losses			Fair Value
Residential mortgage-backed agencies	$	22,677	$	60	$	(192	)	$	22,545
SBA pools		1,835		6		(9	)		1,832
Obligations of states and political subdivisions		9,474		250		(26	)		9,698
Government-sponsored enterprise equity		40		62		-			102
	$	34,026	$	378	$	(227	)	$	34,177

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

Contractual maturities: The amortized cost and fair value of securities available for sale as of June 30, 2015, by contractual maturity are shown below. Maturities may differ from contractual maturities in residential mortgage-backed securities and Small Business Administration (SBA) pools because the mortgages underlying the securities may be called or repaid without any penalties. In addition, government-sponsored enterprise equity securities have no maturity. Therefore, these securities are not included in the maturity categories in the following maturity summary.

	June 30, 2015
	Amortized Cost		Fair Value

Due in one year or less	$	839	$	841
Due in one to five years		3,708		3,736
Due after five through 10 years		2,456		2,477
Due after 10 years		2,002		2,047
		9,005		9,101

Residential mortgage-backed agencies		22,041		21,923
SBA pools		1,674		1,680
Government-sponsored enterprise equity		40		118
	$	32,760	$	32,822

Pledged securities: Securities with a carrying value of $22,712 and $20,961 at June 30, 2015 and December 31, 2014, respectively, were pledged to secure borrowed funds and for other purposes as required or permitted by law.

Changes in other comprehensive income—unrealized gains (loss) on securities available for sale:

	Three Months Ended June 30,						Six Months Ended June 30,
	2015			2014			2015			2014

Balance, beginning	$	216		$	(10	)	$	93		$	(264	)
Unrealized gains (losses) during the year		(298	)		153			(89	)		771
Deferred tax effect relating to unrealized gain		123			(63	)		37			(427	)
Balance, ending	$	41		$	80		$	41		$	80

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

Temporarily impaired securities:

	June 30, 2015
	Continuous Unrealized				Continuous Unrealized
	Losses Existing				Losses Existing
	12 Months or Less				Greater Than 12 Months				Total
	Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	Value		Loss		Value		Loss		Value		Loss
Residential mortgage-backed agencies	$	5,250	$	33	$	8,829	$	142	$	14,079	$	175
Obligations of states and political subdivisions		2,294		16		911		26		3,205		42
	$	7,544	$	49	$	9,740	$	168	$	17,284	$	217

	December 31, 2014
	Continuous Unrealized				Continuous Unrealized
	Losses Existing				Losses Existing
	12 Months or Less				Greater Than 12 Months				Total
	Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	Value		Loss		Value		Loss		Value		Loss
Residential mortgage-backed agencies	$	5,679	$	20	$	10,566	$	171	$	16,245	$	191
SBA pools		-		-		1,250		9		1,250		9
Obligations of states and political subdivisions		1,495		6		1,180		20		2,675		26
	$	7,174	$	26	$	12,996	$	200	$	20,170	$	226

There were 32 and 37 securities in unrealized loss positions as of June 30, 2015 and December 31, 2014, respectively.

Unrealized losses are deemed to be temporary. Most of these underlying securities consist of mortgage-backed securities. Market fluctuations are caused primarily by changes in interest rates and prepayments of underlying mortgages. Volatility in economic conditions influences the prices of these securities. There were no sales of available-for-sale securities during the six months ended June 30, 2015 and 2014.

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

Note 5. Loans Receivable and Loans Held for Sale

Composition of loans receivable:

	June 30,			December 31,
	2015			2014
Residential real estate	$	55,295		$	56,674
Commercial real estate		32,576			30,653
Agricultural real estate		36,745			38,128
Commercial construction real estate		1,154			4,035
Residential construction real estate		1,061			940
Home equity, home improvement and second mortgages		31,589			32,741
Commercial operating and term		6,839			5,718
Agricultural operating and term		6,825			7,714
Vehicle		1,979			1,671
Consumer		6,283			6,279
Total loans		180,346			184,553
Net deferred loan origination fees		(303	)		(345	)
Allowance for loan loss		(2,184	)		(2,158	)
Loans receivable, net	$	177,859		$	182,050

Loans are made to individuals as well as commercial and tax-exempt entities. Specific loan terms vary as to interest rate, repayment and collateral requirements based on the type of loan requested and the creditworthiness of the prospective borrower. Credit risk tends to be geographically concentrated in that a majority of the loan customers are located in the markets serviced by the Company.

The Company’s extension of credit is governed by the individual loan policies that were established to control the quality of the Company’s loans. These policies and procedures are reviewed and approved by the Board of Directors on a regular basis.

Residential real estate loans: The Company originates residential real estate loans in its service area and also originates loans throughout Minnesota through its correspondent bank relationships. Currently, the majority of these loan originations are sold to the secondary market.

Commercial real estate loans: The Company’s goal is to create and maintain a high-quality portfolio of commercial real estate loans with customers who meet the credit quality and relationship profitability objectives of the Company. Commercial real estate loans are subject to underwriting standards and processes similar to commercial operating and term loans. These loans are analyzed using projected cash flows, and the repayment of these loans is largely dependent on the successful operation of the property. Loan performance may be adversely affected by factors impacting the general economy or conditions specific to the real estate market, such as geographic location and property type.

Agricultural real estate loans: The Company originates loans secured by agricultural real estate in its service area. Agricultural land in the Company’s service area is considered to be prime agricultural land. These loans are underwritten using both a cash flow analysis and appraised values. These are amortizing loans, and loan-to-value ratios generally do not exceed 60 percent at loan inception.

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

Commercial construction real estate loans: The Company defines construction loans as loans where the loan proceeds are controlled by the Company and used exclusively for the improvement of real estate in which the Company holds a mortgage. Due to the inherent risk in this type of loan, they are subject to other industry-specific policy guidelines outlined in the Company’s credit risk policy and are monitored closely.

Residential construction real estate loans: Residential construction loans originated by the Company generally are limited to six-month terms. When construction is completed, these loans are converted to permanent financing or sold to the secondary market.

Commercial operating and term loans: Commercial operating and term loans are originated in the Company’s primary service area. These loans are made to individuals, partnerships, corporations, limited liability partnerships and limited liability companies for the purpose of assisting in the development of a business enterprise. Loans to closely held businesses will generally be guaranteed in full or for a meaningful amount by the businesses’ major owners. Commercial loans are made based primarily on the historical and projected cash flow of the borrower and secondarily on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not perform as forecasted, and collateral securing loans may fluctuate in value due to economic or individual performance factors. Minimum standards and underwriting guidelines have been established for all commercial loan types.

Agricultural operating and term loans: Agricultural operating and term loans are originated in the Company’s primary service area and are generally used to purchase agricultural equipment or crop inputs. These loans are primarily secured by agricultural real estate and agricultural equipment or crops. Agricultural term and operating loans are made based primarily on the historical and projected cash flow of the borrower and secondarily on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not behave as forecasted, and collateral securing loans may fluctuate in value due to economic or individual performance factors. Minimum standards and underwriting guidelines have been established for all agricultural loan types.

Consumer loans, including home equity, home improvement and second mortgages, and vehicle loans: The Company originates direct consumer loans, including home equity lines and loans, credit cards, and vehicle loans, using a scoring-based credit analysis as part of the underwriting process. Each loan type has a separate specified scoring that consists of several factors, including debt to income, type of collateral and loan-to-collateral value, credit history, and Company relationship with the borrower.

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

Loans receivable:

	June 30, 2015
							Loans Past
			30–59 Days		60–89 Days		Due 90 Days		Total
	Current		Past Due		Past Due		or More		Past Due		Total

Residential real estate	$	52,122	$	1,375	$	719	$	1,079	$	3,173	$	55,295
Commercial real estate		31,653		923		-		-		923		32,576
Agricultural real estate		36,064		117		-		564		681		36,745
Commercial construction real estate		1,154		-		-		-		-		1,154
Residential construction real estate		1,061		-		-		-		-		1,061
Home equity, home improvement and second mortgages		31,183		262		62		82		406		31,589
Commercial operating and term		6,659		-		117		63		180		6,839
Agricultural operating and term		6,825		-		-		-		-		6,825
Vehicle		1,939		5		-		35		40		1,979
Consumer		6,228		26		-		29		55		6,283
Total loans	$	174,888	$	2,708	$	898	$	1,852	$	5,458	$	180,346

Nonperforming loans	$	-	$	-	$	-	$	1,852	$	1,852	$	1,852

	December 31, 2014
							Loans Past
			30–59 Days		60–89 Days		Due 90 Days		Total
	Current		Past Due		Past Due		or More		Past Due		Total

Residential real estate	$	54,698	$	782	$	507	$	687	$	1,976	$	56,674
Commercial real estate		30,653		-		-		-		-		30,653
Agricultural real estate		37,843		285		-		-		285		38,128
Commercial construction real estate		4,035		-		-		-		-		4,035
Residential construction real estate		940		-		-		-		-		940
Home equity, home improvement and second mortgages		32,291		193		2		255		450		32,741
Commercial operating and term		5,569		82		-		67		149		5,718
Agricultural operating and term		7,674		40		-		-		40		7,714
Vehicle		1,661		8		1		1		10		1,671
Consumer		6,243		26		10		-		36		6,279
Total loans	$	181,607	$	1,416	$	520	$	1,010	$	2,946	$	184,553

Nonperforming loans	$	-	$	-	$	-	$	1,010	$	1,010	$	1,010

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

Recorded investment in nonaccrual loans and loans past due 90 days or more and still accruing by class of loans as of June 30, 2015 and December 31, 2014, were as follows:

	June 30, 2015
			Loans Past Due
			90 Days or More
	Nonaccrual		and Still Accruing

Residential real estate	$	1,079	$	-
Commercial real estate		-		-
Agricultural real estate		564		-
Commercial construction real estate		-		-
Residential construction real estate		-		-
Home equity, home improvement and second mortgages		82		-
Commercial operating and term		63		-
Agricultural operating and term		-		-
Vehicle		35		-
Consumer		29		-
Total	$	1,852	$	-

	December 31, 2014
			Loans Past Due
			90 Days or More
	Nonaccrual		and Still Accruing

Residential real estate	$	687	$	-
Commercial real estate		-		-
Agricultural real estate		-		-
Commercial construction real estate		-		-
Residential construction real estate		-		-
Home equity, home improvement and second mortgages		255		-
Commercial operating and term		67		-
Agricultural operating and term		-		-
Vehicle		1		-
Consumer		-		-
Total	$	1,010	$	-

No interest income was recognized on nonaccrual loans for the six months ended June 30, 2015 and 2014.

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

The Company utilizes an internal asset classification system as a means of reporting problem and potential problem loans. Under the Company’s risk-rating system, the Company classifies problem and potential problem loans as “Special Mention,” “Substandard” and “Doubtful,” which correspond to risk ratings five, six and seven, respectively. Substandard loans include those characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Loans classified as Doubtful, or risk-rated seven, have all the weaknesses inherent in those classified as Substandard, with 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. Loans that do not currently expose the Company to sufficient risk to warrant classification in one of the aforementioned categories, but possess weaknesses that deserve management’s close attention, are deemed to be Special Mention, or risk-rated five. Risk ratings are updated any time the situation warrants.

Loans not meeting the criteria above that are analyzed individually as part of the above-described process are considered to be pass-rated loans. Loans listed as not rated are included in groups of homogeneous loans with similar risk and loss characteristics. The following tables present the risk category of loans by class of loans based on the most recent analyses performed and the contractual aging as of June 30, 2015 and December 31, 2014:

	June 30, 2015
			Special
	Pass		Mention		Substandard		Doubtful		Total

Commercial real estate	$	30,444	$	1,427	$	705	$	-	$	32,576
Commercial construction real estate		1,154		-		-		-		1,154
Commercial operating and term		6,629		15		195		-		6,839
Agricultural operating and term		6,792		33		-		-		6,825
Total	$	45,019	$	1,475	$	900	$	-	$	47,394

	December 31, 2014
			Special
	Pass		Mention		Substandard		Doubtful		Total

Commercial real estate	$	26,449	$	3,556	$	648	$	-	$	30,653
Commercial construction real estate		4,035		-		-		-		4,035
Commercial operating and term		5,426		-		292		-		5,718
Agricultural operating and term		7,714		-		-		-		7,714
Total	$	43,624	$	3,556	$	940	$	-	$	48,120

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

For consumer, residential real estate, agricultural real estate, home equity, vehicle and residential construction loan classes, the Company collectively evaluates loans for impairment. The Company evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. Loans where credit quality and aging indicate potential weakness are placed on nonaccrual and are deemed to be nonperforming.

Impaired loans also include loans modified in a troubled debt restructuring where concessions have been granted to borrowers experiencing financial difficulties. These concessions could include a reduction in interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collections. There were no troubled debt restructurings of loans for the three and six months ended June 30, 2015 and 2014.

Payments received on nonaccrual loans are applied as a direct reduction of principal. Nonaccrual loans that are brought current, and do not have additional credit risk factors noted, are returned to accrual status.

There were no loans modified in a troubled debt restructuring during the previous twelve month period that subsequently defaulted during the three and six months ended June 30, 2015 and 2014.

Loans individually evaluated for impairment by class of loans as of June 30, 2015 and December 31, 2014 are as follows:

	June 30. 2015
	Unpaid				Allowance for		Average		Interest
	Principal		Recorded		Loan Losses		Recorded		Income
	Balance		Investment		Allocated		Investment		Recognized
With no related allowance recorded:
Residential real estate	$	491	$	491	$	-	$	494	$	13
With an allowance recorded:
Residential real estate		422		422		80		422		19
Commercial real estate		2,619		2,619		341		2,622		55
Home equity, home improvement and second mortgages		31		31		32		31		-
Commercial operating and term		59		59		29		65		2
Consumer		6		6		3		6		-
Vehicle		3		3		3		3		-
Total	$	3,631	$	3,631	$	488	$	3,663	$	89

	December 31, 2014
	Unpaid				Allowance for		Average		Interest
	Principal		Recorded		Loan Losses		Recorded		Income
	Balance		Investment		Allocated		Investment		Recognized
With no related allowance recorded:
Residential real estate	$	461	$	461	$	-	$	505	$	27
With an allowance recorded:
Residential real estate		822		822		115		830		34
Commercial real estate		2,637		2,637		341		2,690		99
Home equity, home improvement and second mortgages		73		73		73		74		2
Commercial operating and term		63		63		32		-		2
Consumer		16		16		12		16		2
Total	$	4,072	$	4,072	$	573	$	4,115	$	166

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

Allowance for loan losses:

	Three Months Ended June 30, 2015
	Balance,										Balance,
	Beginning		Charge-offs			Recoveries		Provision			Ending

Residential real estate	$	552	$	(9	)	$	-	$	(15	)	$	528
Commercial real estate		785		-			-		1			786
Agricultural real estate		155		-			-		4			159
Commercial construction real estate		-		-			-		-			-
Residential construction real estate		4		-			-		8			12
Home equity, home improvement and second mortgages		474		(85	)		5		53			447
Commercial operating and term		114		-			-		3			117
Agricultural operating and term		25		-			-		5			30
Vehicle		30		-			1		(4	)		27
Consumer		113		(6	)		26		(55	)		78
Total	$	2,252	$	(100	)	$	32	$	-		$	2,184

	Six Months Ended June 30, 2015
	Balance,										Balance,
	Beginning		Charge-offs			Recoveries		Provision			Ending

Residential real estate	$	545	$	(9	)	$	9	$	(17	)	$	528
Commercial real estate		722		-			-		64			786
Agricultural real estate		155		-			-		4			159
Commercial construction real estate		12		-			-		(12	)		-
Residential construction real estate		13		-			-		(1	)		12
Home equity, home improvement and second mortgages		431		(89	)		14		91			447
Commercial operating and term		109		-			-		8			117
Agricultural operating and term		31		-			-		(1	)		30
Vehicle		28		-			4		(5	)		27
Consumer		112		(9	)		36		(61	)		78
Total	$	2,158	$	(107	)	$	63	$	70		$	2,184

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

	Three Months Ended June 30, 2014
	Balance,										Balance,
	Beginning		Charge-offs			Recoveries		Provision			Ending

Residential real estate	$	439	$	(3	)	$	-	$	48		$	484
Commercial real estate		649		-			-		63			712
Agricultural real estate		127		-			-		15			142
Commercial construction real estate		9		-			7		(15	)		1
Residential construction real estate		4		-			-		14			18
Home equity, home improvement and second mortgages		249		(93	)		34		124			314
Commercial operating and term		92		(1	)		-		2			93
Agricultural operating and term		10		-			-		4			14
Vehicle		32		-			1		(3	)		30
Consumer		214		(1	)		15		(102	)		126
Total	$	1,825	$	(98	)	$	57	$	150		$	1,934

	Six Months Ended June 30, 2014
	Balance,										Balance,
	Beginning		Charge-offs			Recoveries		Provision			Ending

Residential real estate	$	433	$	(3	)	$	-	$	54		$	484
Commercial real estate		624		-			7		81			712
Agricultural real estate		130		-			-		12			142
Commercial construction real estate		2		-			-		(1	)		1
Residential construction real estate		11		-			-		7			18
Home equity, home improvement and second mortgages		254		(177	)		37		200			314
Commercial operating and term		87		(1	)		-		7			93
Agricultural operating and term		18		-			-		(4	)		14
Vehicle		30		-			3		(3	)		30
Consumer		135		(10	)		34		(33	)		126
Total	$	1,724	$	(191	)	$	81	$	320		$	1,934

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

The allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of June 30, 2015 and December 31, 2014, are as follows:

	June 30, 2015
	Individually		Collectively
	Evaluated for		Evaluated for
	Impairment		Impairment		Total
Allowance for loan losses:
Residential real estate	$	80	$	448	$	528
Commercial real estate		341		445		786
Agricultural real estate		-		159		159
Commercial construction real estate		-		-		-
Residential construction real estate		-		12		12
Home equity, home improvement and second mortgages		32		415		447
Commercial operating and term		29		88		117
Agricultural operating and term		-		30		30
Vehicle		3		24		27
Consumer		3		75		78
Total	$	488	$	1,696	$	2,184

	June 30, 2015
	Individually		Collectively
	Evaluated for		Evaluated for
	Impairment		Impairment		Total
Loans:
Residential real estate	$	913	$	54,382	$	55,295
Commercial real estate		2,619		29,957		32,576
Agricultural real estate		-		36,745		36,745
Commercial construction real estate		-		1,154		1,154
Residential construction real estate		-		1,061		1,061
Home equity, home improvement and second mortgages		31		31,558		31,589
Commercial operating and term		59		6,780		6,839
Agricultural operating and term		-		6,825		6,825
Vehicle		3		1,976		1,979
Consumer		6		6,277		6,283
Total	$	3,631	$	176,715	$	180,346

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

	December 31, 2014
	Individually		Collectively
	Evaluated for		Evaluated for
	Impairment		Impairment		Total
Allowance for loan losses:
Residential real estate	$	115	$	430	$	545
Commercial real estate		341		381		722
Agricultural real estate		-		155		155
Commercial construction real estate		-		12		12
Residential construction real estate		-		13		13
Home equity, home improvement and second mortgages		73		358		431
Commercial operating and term		32		77		109
Agricultural operating and term		-		31		31
Vehicle		-		28		28
Consumer		12		100		112
Total	$	573	$	1,585	$	2,158

	December 31, 2014
	Individually		Collectively
	Evaluated for		Evaluated for
	Impairment		Impairment		Total
Loans:
Residential real estate	$	1,283	$	55,390	$	56,674
Commercial real estate		2,637		28,016		30,653
Agricultural real estate		-		38,128		38,128
Commercial construction real estate		-		4,035		4,035
Residential construction real estate		-		940		940
Home equity, home improvement and second mortgages		73		32,668		32,741
Commercial operating and term		63		5,655		5,718
Agricultural operating and term		-		7,714		7,714
Vehicle		-		1,671		1,671
Consumer		16		6,263		6,279
Total	$	4,072	$	180,481	$	184,553

Loans with a carrying value of $95,103 and $96,740 at June 30, 2015 and December 31, 2014, respectively, were pledged to secure borrowed funds.

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

Related-party loans: The Company has entered into transactions with its executive officers, directors, significant shareholders, and their affiliates (related parties). The aggregate amounts of loans to such related parties at June 30, 2015 and December 31, 2014, were $134 and $342, respectively. During 2015 and 2014, new loans to such related parties were $34 and $185, respectively, and repayments were $146 and $67, respectively. In the opinion of management, these loans have terms similar to other customer loans and do not present more than normal risk of collection.

Loans held for sale: As of June 30, 2015 and December 31, 2014, the Company’s loans held for sale were $3,567 and $1,707, respectively, and consisted of one- to four-family residential real estate loans.

Interest rate lock commitments related to the origination of mortgage loans that will be sold are considered derivative instruments. The Company estimates the fair value of these derivatives using the difference between the guaranteed interest rate in the commitments and the current market interest rate. To reduce the net interest rate exposure arising from its loan sale activity, the Company enters into a commitment to sell these loans at the same time that the interest rate lock commitment is quoted. The commitments to sell loans are also considered derivative instruments, with offsetting estimated fair values based on changes in current market rates. These commitments are not designated as hedging instruments and, therefore, changes in fair value are recognized immediately into income. The fair values of the Company’s derivative instruments are offsetting and deemed to be immaterial.

Note 6. Loan Servicing

Mortgage loans serviced for others are not included in the accompanying consolidated balance sheets. The unpaid principal balances of these loans as of June 30, 2015 and December 31, 2014, were $322,992 and $332,075, respectively, and consist of one- to four-family residential real estate loans. These loans are serviced primarily for the Federal Home Loan Mortgage Corporation, Federal Home Loan Bank and Federal National Mortgage Association.

Custodial escrow balances maintained in connection with the foregoing loan servicing, and included in advances from borrowers for taxes and insurance, were $2,328 and $2,347 at June 30, 2015 and December 31, 2014, respectively.

Mortgage servicing rights are summarized as follows for the six months ended June 30, 2015 and 2014:

	June 30,			June 30,
	2015			2014

Balance at beginning of year, net	$	1,886		$	1,952
Mortgage servicing rights capitalized		162			107
Amortization expense		(177	)		(150	)
Valuation provision change		-			-
Balance at end of period, net	$	1,871		$	1,909

The estimated fair value of mortgage servicing rights was $2,666 and $2,578 at June 30, 2015 and December 31, 2014, respectively. At June 30, 2015 and December 31, 2014, the valuation allowance was $15 and $15, respectively.

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

Note 7. Stockholders’ Equity, Regulatory Capital and Dividend Restrictions

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

Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the following table) of total common equity Tier I, and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined). Management believes, as of June 30, 2015, that the Bank meets all capital adequacy requirements to which it is subject.

As of June 30, 2015, the most recent notification of the Federal Deposit Insurance Corporation categorized the Bank as “well capitalized” under the regulatory framework for Prompt Corrective Action. To be categorized as “well capitalized,” the Bank must maintain minimum total risk-based, common equity Tier I, Tier I risk-based, and Tier I leverage ratios. There are no conditions or events since that notification that management believes have changed the Bank’s category.

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

The following table summarizes the Bank’s compliance with its regulatory capital requirements:

											Minimum to Be Well
						Minimum					Capitalized Under
						for Capital					Prompt Corrective
	Actual					Adequacy Purposes					Action Provisions
	Amount		Percent			Amount		Percent			Amount		Percent
Bank as of June 30, 2015:
Tier I capital (to average assets)	$	25,007		9.94	%	$	10,059		4.00	%	$	12,574		5.00	%
Tier I capital common equity (to risk weighted assets)		25,007		14.51	%		7,754		4.50	%		11,200		6.50	%
Tier I capital (to risk weighted assets)		25,005		14.51	%		10,338		6.00	%		13,784		8.00	%
Total risk based capital (to risk weighted assets)		27,196		15.78	%		13,784		8.00	%		17,230		10.00	%

Bank as of December 31, 2014:
Tier I capital (to average assets)		25,380		9.90	%		10,255		4.00	%		12,819		5.00	%
Tier I capital (to risk weighted assets)		25,380		13.58	%		7,478		4.00	%		11,217		6.00	%
Total capital (to risk weighted assets)		27,566		14.74	%		14,956		8.00	%		18,695		10.00	%

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

Note 8. Earnings Per Share

A reconciliation of the income and common stock share amounts used in the calculation of basic and diluted earnings per share follows:

	Three Months Ended June 30, 2015
					Per Share
	Income		Shares		Amount
Basic earnings per share:
Net income	$	550		737,100	$	0.75
Effect of dilutive securities:
Stock options				349
Diluted earnings per share:
Net income plus assumed conversions	$	550		737,449	$	0.75

	Six Months Ended June 30, 2015
					Per Share
	Income		Shares		Amount
Basic earnings per share:
Net income	$	1,043		739,453	$	1.41
Effect of dilutive securities:
Stock options				349
Diluted earnings per share:
Net income plus assumed conversions	$	1,043		739,802	$	1.41

	Three Months Ended June 30, 2014
					Per Share
	Income		Shares		Amount
Basic earnings per share:
Net income	$	96		760,546	$	0.13
Effect of dilutive securities:
Stock options				1,070
Diluted earnings per share:
Net income plus assumed conversions	$	96		761,616	$	0 .13

	Three Months Ended June 30, 2015
					Per Share
	Income		Shares		Amount
Basic earnings per share:
Net income	$	347		761,808	$	0.45
Effect of dilutive securities:
Stock options				1,070
Diluted earnings per share:
Net income plus assumed conversions	$	347		762,878	$	0.45

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

As of June 30, 2015 and 2014, 7,900 and 15,850 options, respectively, are not included in the dilutive earnings per share computation because their inclusion would be antidilutive.

Note 9. Financial Instruments With Off-Balance-Sheet Risk

The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include primarily commitments to extend credit. Those instruments involve, to varying degrees, elements of credit risk and interest rate risk in excess of the amount recognized in the consolidated balance sheet.

The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit, standby letters of credit, and financial guarantees written is represented by the contractual notional amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments.

Commitments to extend credit on loans totaled approximately $44,825 and $38,110 at June 30, 2015 and December 31, 2014, respectively.

Commitments to extend credit are agreements to lend to a customer as long as 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 Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if it is deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the counterparty. Collateral held varies but normally includes real estate and personal property.

Note 10. Fair Value Measurements

ASC Topic 820 defines 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.

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

ASC Topic 820 establishes a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows:

Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date

Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data

Level 3: Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability

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

In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date.

Investment securities available for sale: The fair values of exchange-listed equity securities are based on quoted market prices and are categorized as Level 1 of the fair value hierarchy. The fair values of debt securities were generally determined based on matrix pricing. Matrix pricing is a mathematical technique that utilizes observable market inputs including, for example, yield curves, credit ratings and prepayment speeds. Fair values determined using matrix pricing are categorized as Level 2 in the fair value hierarchy.

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

Redeemable common stock: The Company has certain shares of common stock outstanding whereby the holder may put its shares to the Company for cash. This redeemable common stock is recorded at its fair value in the mezzanine equity section of our consolidated balance sheets and changes in fair value are recorded in retained earnings. The fair value of a share of common stock was determined by applying a market valuation approach based upon comparative financial and pricing analysis of the Company with a peer group of publicly traded financial institutions. The comparative financial analysis is based on three types of market pricing ratios: price to earnings, price to book (or price to tangible book) and price to assets, with a greater emphasis given to price to earnings and price to book value. Valuations include assumptions not observable in the marketplace, and the related fair value measurements have been categorized as Level 3 measurements.

The Company is required, on a nonrecurring basis, to adjust the carrying value of certain assets or provide valuation allowances related to certain assets, using fair value measurements in accordance with generally accepted accounting principles.

Impaired loans: The specific reserves for collateral-dependent impaired loans are based on the fair value of the collateral less estimated costs to sell. The fair value of collateral was determined based on appraisals, with further adjustments made to the appraised values due to various factors, including the age of the appraisal, age of comparables included in the appraisal, and changes in the market and in the collateral. As these significant adjustments are based on unobservable inputs, the resulting fair value measurements have been categorized as Level 3 measurements.

Foreclosed real estate: Foreclosed real estate is recorded at fair value based on property appraisals, less estimated selling costs, at the date of transfer. The carrying value of foreclosed real estate is not remeasured to fair value on a recurring basis, but is subject to fair value adjustments when the carrying value exceeds the fair value, less estimated selling costs. Property appraisals are based on assumptions generally not observable in the marketplace, and the related nonrecurring fair value measurement adjustments have generally been classified as Level 3.

Mortgage servicing rights: Mortgage servicing rights are initially measured at fair value in the Company’s consolidated balance sheet. The Company utilizes the amortization method to subsequently measure its capitalized servicing assets. In accordance with ASC Topic 860, the Company must record impairment charges when the carrying value of certain strata exceeds their estimated fair value. To estimate the fair value of servicing rights, the Company considers market prices for similar assets and the present value of expected future cash flows associated with the servicing rights calculated using assumptions that market participants would use in estimating future servicing income and expense. Such assumptions include estimates of the cost of servicing loans, loan default rates, an appropriate discount rate, and prepayment speeds. For purposes of evaluating and measuring impairment of capitalized servicing rights, the Company stratifies such assets based on the predominant risk characteristics of the underlying financial instruments that are expected to have the most impact on projected prepayments, cost of servicing, and other factors affecting future cash flows associated with the servicing rights. Such factors may include financial asset or loan type, note rate and term. The amount of impairment recognized is the amount by which the carrying value of the capitalized servicing rights for a stratum exceeds estimated fair value. Impairment is recognized through a valuation allowance. The determination of fair value of capitalized servicing rights is considered a Level 3 valuation.

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

The following tables summarize assets and liabilities measured at fair value as of June 30, 2015 and December 31, 2014, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value:

	June 30, 2015
	Level 1		Level 2		Level 3			Total
	Inputs		Inputs		Inputs			Fair Value
Recurring:
Investment securities available for sale:
Residential mortgage-backed securities	$	-	$	21,923	$	-		$	21,923
SBA pools		-		1,680		-			1,680
Obligations of states and political subdivisions				9,101		-			9,101
Government-sponsored enterprise equity securities		-		118		-			118
Redeemable common stock		-		-		(2,383	)		(2,383	)
Nonrecurring:
Foreclosed real estate		-		-		3,199			3,199
Collateral-dependent impaired loans		-		-		3,143			3,143
Mortgage servicing rights		-		-		624			624

	December 31, 2014
	Level 1		Level 2		Level 3			Total
	Inputs		Inputs		Inputs			Fair Value
Recurring:
Investment securities available for sale:
Residential mortgage-backed securities	$	-	$	22,545	$	-		$	22,545
SBA pools		-		1,832		-			1,832
Obligations of states and political subdivisions		-		9,698		-			9,698
Government-sponsored enterprise equity securities		-		102		-			102
Redeemable common stock		-		-		(2,533	)		(2,533	)
Nonrecurring:
Foreclosed real estate		-		-		3,656			3,656
Collateral-dependent impaired loans		-		-		3,002			3,002
Mortgage servicing rights		-		-		646			646

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

The following tables present additional quantitative information about the unobservable inputs used in the fair value measurement of mortgage servicing rights measured on a non-recurring basis that were categorized within Level 3 of the fair value hierarchy:

	Fair Value at June 30, 2015		Valuation Technique	Unobservable Input	Range
	(in thousands)

Mortgage servicing rights	$	624	Discounted cash flows⁽¹⁾	Prepayment PSA	157 – 335
				Discount rate	8.50% – 9.25%
				Maturity (months) WAM	37 – 325
				Costs to service	$65 - $750

	Fair Value at December 31, 2014		Valuation Technique	Unobservable Input	Range
	(in thousands)

Mortgage servicing rights	$	646	Discounted cash flows⁽¹⁾	Prepayment PSA	157- 335
				Discount rate	8.50% – 9.25%
				Maturity (months) WAM	37- 325
				Costs to service	$65 - $750

(1) The estimated fair value on mortgage servicing rights is determined through a cash flow analysis performed at the loan level and is based on the objective attributes of the portfolio (i.e., note rate, loan amount, etc.) and industry assumptions used in the marketplace.

There was no change in the fair value of redeemable common stock, which is a recurring fair value measurements using significant unobservable inputs (Level 3), between December 31, 2014 and June 30, 2015.

For the three and six months ended June 30, 2015 and 2014 there were no transfers in or out of Levels 1, 2, and 3.

ASC Topic 825 requires disclosure of the fair value of financial assets and financial liabilities, including those financial assets and financial liabilities that are not recognized at fair value on a recurring basis or nonrecurring basis. The methodologies for estimating the fair value of financial assets and financial liabilities that are recognized at fair value on a recurring or nonrecurring basis are discussed above. The methodologies for financial assets and financial liabilities are discussed in Note 1 of the consolidated financial statements for the year ended December 31, 2014.

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

The estimated fair values of the Company’s financial instruments are as follows:

			June 30,				December 31,
			2015				2014
	Level in Fair Value		Carrying		Fair		Carrying		Fair
	Hierarchy		Amount		Value		Amount		Value
Financial assets:
Cash and cash equivalents		Level 1	$	19,865	$	19,865	$	14,373	$	14,373
Certificates of deposit		Level 2		1,241		1,241		4,181		4,181
Federal funds sold		Level 2		3,000		3,000		2,000		2,000
Securities available for sale		Level 2		32,822		32,822		34,177		34,177
Federal Home Loan Bank stock		Level 2		2,068		2,068		2,079		2,079
Loans held for sale		Level 2		3,567		3,567		1,707		1,707
Loans receivable, net		Level 2		177,859		177,463		182,050		183,219
Accrued interest receivable		Level 2		966		966		834		834
Mortgage servicing rights		Level 3		1,871		2,666		1,886		2,578
Financial liabilities:
Deposits		Level 2		220,860		214,033		221,972		215,199
Advances from borrowers for taxes and insurance		Level 2		2,621		2,621		2,630		2,630
Accrued interest payable		Level 2		60		60		17		17
Redeemable common stock		Level 3		2,383		2,383		2,533		2,533

Note 11. Subsequent Events

On November 14, 2014, the Company entered into an agreement and plan of conversion merger with St. James Federal Savings and Loan Association (St. James), a federal mutual savings association. Under the plan, St. James converted to stock form and merged into the Bank. On July 16, 2015, the conversion merger was completed by acquiring 100% of the voting shares of St. James. The Company sold and issued 78,736 shares of its common stock at $27.36 per share. The Company’s ESOP acquired 8%, 6,299 shares, of the newly issued shares using funds borrowed from the Company. Since the shares were offered to the prior depositors and borrowers of St. James at a 5% discount to the average bid and ask quotation for 30 trading days prior to the final prospectus, the fair value of the consideration paid was determined to approximate zero. The Company’s primary reasons for the acquisition are to provide for asset growth, improve capital and competitive position, and increase the limit on loans to one borrower.

An estimate of the contractual amounts receivable for loans that are not expected to be collected has not been determined yet, since the initial accounting for the acquisition is incomplete, as noted below.

Table of Contents

Notes to Consolidated Financial Statements (Unaudited)

(Dollars in Thousands, Except Per Share Data)

The following table presents pro forma financial information assuming the acquisition occurred on January 1, 2014:

	Three Months Ended June 30,				Six Months Ended June 30,
	2015		2014		2015		2014
Revenues	$	3,580	$	3,256	$	7,082	$	6,540
Net income	$	591	$	102	$	1,116	$	386
Diluted net income per share	$	0.72	$	0.12	$	1.36	$	0.46
Diluted weighted-average shares		816,185		840,352		818,538		841,614

The preliminary allocation of the consideration paid for the acquired assets and assumed liabilities are as follows:

Cash and cash equivalents	$	6,938
Securities		1,053
Loans (contractual amount $17,434)		17,102
Core deposit intangible		287
Other assets		683
Total assets		26,063

Deposits	$	22,971
Other liabilities		38
Total liabilities		23,009

Net assets acquired	$	3,054

Fair value of consideration	$	-
Estimated bargain purchase gain		3,054
Total	$	3,054

The merger is expected to result in a gain because of the legal and financial barriers to completing the merger, including the related transaction costs associated with the conversion merger and stock issuance.

The above allocation assumes the core deposit intangible value is 1.25% of deposits. The fair value of other assets acquired and liabilities assumed are based upon historical carrying amounts. These allocations are not final as valuation procedures to determine their acquisition date fair value have not been completed yet. Final fair value computations are expected to be based on discounted expected cash flows, among other valuation techniques. The amount of bargain purchase gain to be recognized is dependent upon the determination of these fair values.

Stock issuance costs incurred through June 30, 2015 totaled $740. These costs have been deferred and recognized as an other asset. During the third quarter of 2015, total stock issuance costs will be offset against the proceeds of the offering, which will be recognized as paid-in capital.

Table of Contents

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

Forward-Looking Statements

The Company may from time to time make written or oral “forward-looking statements” including statements contained in this report and in other communications by the Company which are made in good faith pursuant to the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements, such as statements of the Company’s plans, objectives, estimates and intentions, involve risks and uncertainties and are subject to change based on various important factors (some of which are beyond the Company’s control). The following factors, among others, could cause the Company’s financial performance to differ materially from the plans, objectives, expectations, estimates and intentions expressed in such forward-looking statements: the strength of the United States economy in general and the strength of the local economies in which the Company conducts operations; the effects of, and changes in, trade, monetary and fiscal policies and laws, including interest rate policies of the Board of Governors of the Federal Reserve System, inflation, interest rate, market and monetary fluctuations; the timely development of and acceptance of new products and services of the Company and the perceived overall value of the products and services by users, including the features, pricing and quality compared to competitor’s products and services; the willingness of users to substitute competitors’ products and services for the Company’s products and services; the success of the Company in gaining regulatory approval of its products and services, when required; the impact of changes in financial services’ laws and regulations (including laws concerning taxes, banking, securities and insurance); technological changes; acquisitions; changes in consumer spending and savings habits; and the success of the Company at managing the risks involved in the foregoing.

The Company cautions that the foregoing list of important factors is not exclusive. The Company does not undertake to update any forward-looking statement, whether written or oral, that may be made from time to time by or on behalf of the Company.

General

The Company’s primary source of income is the Bank’s net income. The Bank’s primary source of net income is its net interest income, which is determined by (i) the difference between yields earned on interest-earning assets and rates paid on interest-bearing liabilities (interest rate spread) and (ii) the relative amounts of interest-earning assets and interest-bearing liabilities. The Bank’s interest rate spread is affected by regulatory, economic, and competitive factors that influence interest rates, loan demand, and deposit flows. In order to maintain interest rate spread and reduce interest rate risk, management has elected to diversify the Bank’s loan portfolio by emphasizing its investment in agriculture and commercial mortgages, agricultural and commercial operating and term loans and consumer loans.

The Bank’s secondary sources of income are, primarily, the gain on sale of loans originated for sale and loan servicing fees. When comparing the first quarter of 2015 with the first quarter of 2014, the volume of loans originated and sold to the secondary market was relatively constant.

The operations of the Bank and the entire banking industry are significantly affected by prevailing economic conditions, competition, and the monetary and fiscal policies of the federal government and governmental agencies. The demand for and supply of housing, competition among lenders, the level of interest rates, and the availability of funds influence lending activities. Deposit flows and costs of funds are influenced by prevailing market rates of interest, primarily on competing investments, account maturities, and the levels of personal income and savings in the Bank's market area.

Table of Contents

Comparison of Financial Condition at June 30, 2015 and December 31, 2014

At June 30, 2015, total assets were $251.3 million, a decrease of $525,000 from $251.8 million at December 31, 2014. Decreases in loans receivable and securities available for sale were partially offset by increases in cash, fed funds sold and loans held for sale.

Securities available for sale decreased from $34.2 million at December 31, 2014 to $32.8 million at June 30, 2015. Maturities and principal repayments of mortgage backed securities and obligations of state and political subdivisions totaling $3,354,000 and $928,000, respectively, were only partially offset by the purchase of $3,124,000 in new securities.

Loans held for sale increased from $1.7 million at December 31, 2014 to $3.6 million at June 30, 2015. On December 31, 2014 and June 30, 2015, the Company had firm commitments to sell the loans that were classified as held for sale. Loans receivable decreased by $4.2 million, or 2.3%, from $182.1 million at December 31, 2014 to $177.9 million at June 30, 2015. The decrease in loans receivable resulted primarily from decreases in commercial construction and agricultural real estate loans.

In accordance with the Bank’s internal classification of assets policy, management evaluates the loan portfolio on a quarterly basis to identify and determine the adequacy of the allowance for loan losses. As of June 30, 2015 and December 31, 2014, the balance in the allowance for loan losses and the allowance for loan losses as a percentage of total loans were $2.2 million and 1.20% and 1.17%, respectively.

Loans on which the accrual of interest had been discontinued amounted to $1.9 million and $1.0 million at June 30, 2015 and December 31, 2014, respectively. The Company considers all nonaccrual loans impaired. The amount of impaired loans at June 30, 2015 and December 31, 2014 was $3.6 million and $4.1 million, respectively and the related allowance for loan loss for these loans was $488,000 and $573,000, respectively.

Foreclosed real estate decreased to $3.2 million at June 30, 2015 from $3.7 million at December 31, 2014, as the Company disposed of three properties during the six months ended June 30, 2015. At June 30, 2015, foreclosed real estate consisted of three residential and eight commercial properties.

Liabilities decreased by $1.1 million, from $225.2 million at December 31, 2014 to $224.1 million at June 30, 2015. This decrease resulted from a $1.1 million decrease in deposits.

Stockholders’ equity increased by $716,000 from $24.1 million at December 31, 2014 to $24.8 million at June 30, 2015. The increase in stockholders’ equity resulted, primarily, from net income of $1,043,000 being partially offset by payments of $266,000 in cash dividends and the purchase of $165,000 in treasury stock.

Table of Contents

Comparison of Operating Results for the Three and Six Months Ended June 30, 2015 and 2014

General. Net income increased by $454,000 and $696,000, or 472.9% and 200.6% for the three and six months ended June 30, 2015, respectively, when compared to the same periods in 2014. Diluted earnings per share increased by $0.62 and $0.96 for the three and six months ended June 30, 2015, respectively, when compared to the three and six months ended June 30, 2014. Net interest income increased by $129,000 and $401,000, or 6.5% and 10.2%, in the three and six months ended June 30, 2015, respectively, when compared to the same periods in 2014. When comparing the three and six months ended June 30, 2015 to the same periods in 2014, the provision for loan loss decreased by $150,000 and $250,000, respectively, and noninterest income increased by $222,000 and $226,000, respectively. Increases in net interest income and noninterest income and the decrease in provision for loan loss were the primary reasons for the increase in earnings.

Interest Income. Interest income increased by $83,000 and $312,000, or 3.9% and 7.3%, for the three and six months ended June 30, 2015 when compared to the three and six months ended June 30, 2014, as an increase in interest income from loans receivable more than offset a decrease in interest income from investments. The changes in interest income from the loan portfolio and investment securities and other interest bearing deposits resulted, primarily, from changes in the average balances and yields on those interest earning assets. For the three months ended June 30, 2015, the average balance of loans receivable increased $15.2 million, or 9.1%, which more than offset a 17 basis point decline in yield. For the same period, average investments decreased $6.9 million, or 11.4%, which offset a one basis point increase in yield. For the six months ended June 30, 2015 the average balance of loans receivable increased $15.8 million, or 9.5%, and the yield decreased by 3 basis points. Average investments decreased $8.6 million, or 14.0%, and the yield on investments increased by 1 basis point. As a result of the increase in loans as a percentage of earning assets, however, the yield on interest-earning assets increased by 15 basis points between the six-month periods.

Interest Expense. Interest expense on deposits decreased by $46,000 and $89,000, or 29.9% and 28.3%, for the three and six months, respectively ended June 30, 2015 when compared to the three and six months ended June 30, 2014. These changes resulted from changes in the average balances and interest rates. Although average interest bearing liabilities increased $6.3 million, or 3.0%, to $220.3 million for the three months ended June 30, 2015 compared to $214.0 million for the three months ended June 30, 2014, the average cost of interest-bearing liabilities decreased 9 basis points to 0.20% for the three months ended June 30, 2015 compared to 0.29% for the three months ended June 30, 2014. Although average interest-bearing liabilities increased $5.2 million to $220.0 million for the six months ended June 30, 2015, compared to $214.8 million for the six months ended June 30, 2014, the average cost of interest-bearing liabilities decreased 9 basis points to 0.20% for the six months ended June 30, 2015 from 0.29% for the six months ended June 30, 2014, reflecting the continued low interest rate environment.

Net Interest Income. Net interest income increased by $129,000 and $401,000, or 13.9% and 10.2%, for the three and six months ended June 30, 2015, respectively, when compared to the same periods in 2014, due to the changes in interest income and interest expense described above. For the three months ended June 30, 2015, the interest rate spread increased by 10 basis points to 3.57% compared to 3.47% for the three months ended June 30, 2014 as a result of a 9 basis point decrease in the average cost of interest-bearing liabilities to 0.20% for the three months ended June 30, 2015, from 0.29% for the three months ended June 30, 2014, and a one basis point increase in the average yield on interest-earning assets to 3.77% for the three months ended June 30, 2015 from 3.76% for the three months ended June 30, 2014. The Company’s net interest margin improved 10 basis points to 3.59% for the three months ended June 30, 2015 compared to 3.49% for the three months ended June 30, 2014. The Company’s interest rate spread increased by 24 basis points to 3.68% for the six months ended June 30, 2015, compared to 3.44% for the six months ended June 30, 2014 as the result of a 15 basis point increase in the average yield on interest-earning assets to 3.88% in the six months ended June 30, 2015 from 3.73% in the six months ended June 30, 2014 and a 9 basis point decrease in the average cost of interest-bearing liabilities to 0.20% in the six months ended June 30, 2015 from 0.29% in the six months ended June 30, 2014. The Company’s net interest margin improved 24 basis points to 3.69% for the six months ended June 30, 2015 compared to 3.45% for the six months ended June 30, 2014.

Table of Contents

Provision for Loan Losses. The provision for loan loss decreased by $150,000 and $250,000 for the three and six months ended June 30, 2015 when compared to the same periods in 2014. The provision reflects management’s monitoring of the allowance for loan losses in relation to the size and quality of the loan portfolio and adjusts the provision for loan losses to adequately provide for loan losses. Due to changes in economic conditions and changes in the composition of the loan portfolio, it is possible that the provision for loan losses may increase in future periods.

Noninterest Income. Noninterest income increased by $222,000 and $226,000 for the three and six months ended June 30, 2015 when compared to the same periods in 2014 due, primarily, to increases in gain on sale of loans. During the first six months of 2015, a higher volume of loans were originated and sold to the secondary market than during the first six months of 2014.

Noninterest Expense. Noninterest expense decreased by $224,000 and $235,000, or 8.8% and 4.9%, for the three and six months ended June 30, 2015 when compared to the three and six months ended June 30, 2014 due, primarily, to decreases in compensation and benefits and expenses related to other real estate owned.

Income Tax Expense. Income tax expense increased by $271,000 and $416,000, or 430.2% and 180.0%, for the three months and six months ended June 30, 2015 when compared to the same periods in 2014 due to the increase in income before income taxes. Income tax expense as a percent of income before taxes was 37.8% and 39.6% for the three months ended June 30, 2015 and 2014, respectively, and 38.3% and 40.0% for the six months ended June 30, 2015 and 2014, respectively.

Table of Contents

Average Balances and Yields

The following table sets forth average balance sheets, average yields and costs, and certain other information at the date and for the periods indicated. All average balances are based on daily averages, unless otherwise noted. The yields set forth below include the effect of deferred fees, discounts and premiums that are amortized or accreted to interest income or expense.

	Six Months Ended June 30,
	2015								2014
	Average Balance			Interest		Average Yield/Cost			Average Balance			Interest		Average Yield/Cost
	(Dollars in thousands)
Interest earning assets:
Loans receivable (1)	$	181,861		$	4,237		4.66	%	$	166,039		$	3,877		4.69	%
Investments (2)		53,220			323		1.21	%		61,860			371		1.20	%
Total interest-earning assets		235,081			4,560		3.88	%		227,899			4,248		3.73	%
Non interest-earning assets		15,940								17,103
Total assets	$	251,021							$	245,002

Interest-bearing liabilities:
Savings, NOW and money market accounts (3)	$	155,607		$	45		0.06	%	$	139,995		$	42		0.06	%
Certificates of deposit		64,385			180		0.56	%		74,774			272		0.73	%
Total interest-bearing liabilities		219,992			225		0.20	%		214,769			314		0.29	%

Non interest-bearing liabilities		4,034								3,906
Total liabilities		224,026								218,675
Equity (4)		26,995								26,327
Total liabilities and equity	$	251,021							$	245,002
Net interest income				$	4,335							$	3,934
Interest rate spread (5)							3.68	%							3.44	%
Net interest margin (6)							3.69	%							3.45	%
Ratio of average interest earning assets to average interest bearing liabilities		1.07	X							1.06	X

(1)

Average balances include non-accrual loans and loans held for sale.

(2)

Includes interest-bearing deposits in other financial institutions.

(3)

Includes $4,982,000 and $5,848,000 in non-interest-bearing deposits for the six months ended June 30, 2015 and 2014, respectively.

(4)

Consists of stockholders’ equity and mezzanine equity.

(5)

Interest-rate spread represents the difference between the average yield on interest-earning assets and the average cost of interest-bearing liabilities.

(6)

Net interest margin represents net interest income as a percentage of average interest-earning assets.

Table of Contents

	Three Months Ended June 30,
	2015								2014
	Average Balance			Interest		Average Yield/Cost			Average Balance			Interest		Average Yield/Cost
	(Dollars in thousands)
Interest earning assets:
Loans receivable (1)	$	181,553		$	2,062		4.54	%	$	166,393		$	1,960		4.71	%
Investments (2)		53,808			158		1.17	%		60,702			177		1.16	%
Total interest-earning assets		235,361			2,220		3.77	%		227,095			2,137		3.76	%
Non interest-earning assets		16,275								17,311
Total assets	$	251,636							$	244,406

Interest-bearing liabilities:
Savings, NOW and money market accounts (3)	$	157,387		$	24		0.06	%	$	140,416		$	23		0.07	%
Certificates of deposit		62,960			84		0.53	%		73,596			131		0.71	%
Total interest-bearing liabilities		220,347			108		0.20	%		214,012			154		0.29	%

Non interest-bearing liabilities		4,133								3,987
Total liabilities		224,480								217,999
Equity (4)		27,156								26,407
Total liabilities and equity	$	251,636							$	244,406
Net interest income				$	2,112							$	1,983
Interest rate spread (5)							3.57	%							3.47	%
Net interest margin (6)							3.59	%							3.49	%
Ratio of average interest earning assets to average interest bearing liabilities		1.07	X							1.06	X

(1)

Average balances include non-accrual loans and loans held for sale.

(2)

Includes interest-bearing deposits in other financial institutions.

(3)

Includes $4,982,000 and $5,848,000 in non-interest-bearing deposits for the three months ended June 30, 2015 and 2014, respectively.

(4)

Consists of stockholders’ equity and mezzanine equity.

(5)

Interest-rate spread represents the difference between the average yield on interest-earning assets and the average cost of interest-bearing liabilities.

(6)

Net interest margin represents net interest income as a percentage of average interest-earning assets.

Table of Contents

Liquidity and Capital Resources

The Bank’s primary sources of funds are deposits, amortization and prepayment of loans, maturities of investment securities and funds provided from operations. While scheduled loan repayments are a relatively predictable source of funds, deposit flows and loan prepayments are significantly influenced by general interest rates, economic conditions and competition. If needed, the Bank’s primary source of funds can be supplemented by wholesale funds obtained through additional advances from the Federal Home Loan Bank system. The Bank invests excess funds in overnight deposits, which not only serve as liquidity, but also earn interest income until funds are needed to meet required loan funding.

The Bank’s most liquid asset is cash, including investments in interest bearing accounts at the United Bankers Bank and the FHLB of Des Moines that have no withdrawal restrictions. The levels of these assets are dependent on the Bank’s operating, financing and investing activities during any given period. At June 30, 2015, the Bank’s noninterest bearing cash was $8.8 million. In addition, at June 30, 2015, the Bank had $10.3 million and $10.6 million invested in interest bearing accounts at the United Bankers Bank and the FHLB of Des Moines, respectively.

At June 30, 2015, the Bank had no outstanding advances from the FHLB of Des Moines. At June 30, 2015, the Bank had the ability to borrow up to $71.2 million based upon the pledged collateral. The Bank has the option of pledging additional collateral which will increase the amount available to borrow.

The Bank is required to maintain specified amounts of capital. The capital standards generally require the maintenance of regulatory capital sufficient to meet a common Tier 1 equity requirement, a leverage capital requirement and a risk-based capital requirement. At June 30, 2015, the Bank’s Tier 1 leverage capital totaled $25.0 million, or 9.94% of adjusted total assets, which substantially exceeded the 4.0% Tier 1 leverage capital requirement at that date by $14.9 million, or 5.94% of adjusted total assets. The Bank’s common equity Tier 1, and total risk-based capital totaled $25.0 million, and $27.2 million at June 30, 2015 or 14.51%, and 15.78% of risk-weighted assets, respectively, which exceeded the current requirements of 4.5% and 8.0% of risk-weighted assets by $17.3 million and $13.4 million or 10.01% and 7.78% of risk-weighted assets, respectively. The Bank will be subject to higher capital requirements in the future as capital conservation buffer rules become fully effective from 2016 through 2019.

The reconciliation of the equity of Wells Federal Bank to each major category of regulatory capital is as follows:

	At June 30,			At December 31,
	2015			2014
	(In thousands)

Equity under generally accepted accounting principles	$	25,095		$	25,662
Unrealized (gains) losses on available for sale securities		(41	)		(93	)
Disallowed intangible assets		(47	)		-
Disallowed servicing assets		-			(189	)
Tier 1 capital		25,007			25,380
Allowance for loan losses included in Tier 2 capital		2,154			2,158
Unrealized gains on available for sale equity securities		35			28
Total risk-based capital	$	27,196		$	27,566

Table of Contents

Off-Balance Sheet Arrangements

As a financial services provider, we routinely are a party to various financial instruments with off-balance-sheet risks in the normal course of business to meet the financing needs of our customers. These financial instruments include primarily commitments to extend credit. Those instruments involve, to varying degrees, elements of credit risk and interest rate risk in excess of the amount recognized in the consolidated balance sheet.

Critical Accounting Policies

The consolidated financial statements include amounts that are based on informed judgments of management. These estimates and judgments are the result of management’s need to estimate the effect of matters that are inherently uncertain. Therefore, actual results could vary significantly from the estimates used. Management considers the following items to be the critical accounting estimates contained in the consolidated financial statements.

Allowance for Loan Loss. The allowance for loan loss is based on management’s periodic review of the loan portfolio. In evaluating the adequacy of the allowance for loan loss, management considers factors including, but not limited to, specific loan impairment, historical loss experience, the size and composition of the loan portfolio and current economic conditions. Although management believes that the allowance for loan loss is maintained at an adequate level, there can be no assurance that further additions will not be made to the allowance and that losses will not exceed the estimated amounts.

Available for Sale Securities. The fair value of equity securities is based on quoted market prices and the fair value of debt securities is generally determined based on matrix pricing utilizing yield curves, credit ratings and prepayment speeds. The Company believes the unrealized losses are temporary because the primary reason for the unrealized losses is changes in market interest rates from the date of purchase to the reporting date.

Mortgage Servicing Rights. Mortgage servicing rights are capitalized and then amortized over the period of estimated servicing income. Management periodically evaluates its capitalized mortgage servicing rights for impairment. The valuation of mortgage servicing rights is based on estimated prepayment speeds, ancillary income received from servicing the loans and current interest rates. Changes in these estimates may have a material effect on the valuation of the mortgage servicing rights. Although management believes that the estimates used to determine the value of the mortgage servicing rights are reasonable, future material adjustments may be necessary if economic conditions vary from those used to estimate the value of the mortgage servicing rights.

Foreclosed Real Estate. Foreclosed real estate is reported at the lower of cost or fair value, less estimated costs to sell. The Company monitors the net fair value of the property on a monthly basis, taking into consideration market and economic factors, including comparison to sales of like properties.

Table of Contents

ITEM 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Not applicable as the Company is a smaller reporting company.

ITEM 4. CONTROLS AND PROCEDURES

Disclosure Controls and Procedures

Evaluation of disclosure controls and procedures. Based on their evaluation of the Company's disclosure controls and procedures (as defined in Rule 15a-15(e) under the Securities Exchange Act of 1934, (the "Exchange Act")), the Company's principal executive officer and principal financial officer have concluded that as of the end of the period covered by this Quarterly Report on Form 10-Q, such disclosure controls and procedures are effective to ensure that information required to be disclosed by the Company in reports that it files or submits under the Exchange Act is recorded, processed, summarized and reported within the required time periods specified in the SEC’s rules and forms.

Internal Controls

Changes in internal control over financial reporting. During the last quarter, there was no change in the Company's internal control over financial reporting 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 was not a party to any material legal proceedings other than routine matters in the ordinary course of business.

ITEM 1A. RISK FACTORS

Not applicable as the Company is a smaller reporting company.

Table of Contents

ITEM 2. UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

(a) Unregistered Sales of Equity Securities. Not applicable.

(b) Use of Proceeds. Not applicable.

(c) Issuer Purchases of Equity Securities.

Period	(a) Total Number Of Shares (or Units) Purchased		(b) Average Price Paid per Share (or Unit)		(c) Total Number of Shares (or Units) Purchased as Part of Publicly Announced Plans or Programs		(d) Maximum Number (or Approximate Dollar Value) of Shares (or Units) that May Yet Be Purchased Under the Plans or Programs
April 1 through 30, 2015		4,241	$	26.50		-		-
May 1 through 31, 2015		1,433	$	26.50		-		-
June 1 through 30, 2015		-		-		-		-
Total		5,674	$	26.50		-		-

ITEM 3. DEFAULTS UPON SENIOR SECURITIES

None.

ITEM 4. MINE SAFETY DISCLOSURES

Not applicable.

Table of Contents

ITEM 5. OTHER INFORMATION

None.

ITEM 6. EXHIBITS

3.1	Articles of Incorporation of Wells Financial Corp. *

3.2	Bylaws of Wells Financial Corp. *

4	Form of Common Stock Certificate of Wells Financial Corp. *

31	Certification of CEO and CFO as required by Rule 15d-14(a).

32	Certification required by 18 U.S.C. §1350.

101.INS	XBRL Instance Document **

101.SCH	XBRL Schema Document **

101.CAL	XBRL Calculation Linkbase Document **

101.LAB	XBRL Labels Linkbase Document **

101.PRE	XBRL Presentation Linkbase Document **

101.DEF	XBRL Definition Linkbase Document **

*	Incorporated by reference from identically numbered exhibit to Registration Statement on Form S-1 (File No. 333-202694).

**	Submitted as Exhibits 101 to this Form 10-Q are documents formatted in XBRL (Extensible Business Reporting Language).

Table of Contents

SIGNATURES

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

	WELLS FINANCIAL CORP.

Date: August 14, 2015	/s/ James D. Moll
	James D. Moll
	President and Chief Executive Officer
	Treasurer and Chief Financial Officer
	(Duly Authorized Officer and Principal Executive
	and Financial Officer)

EX-31 2 t1501886_ex31-1.htm EXHIBIT 31

Exhibit 31

CERTIFICATION

I, James D. Moll, President and Chief Executive Officer, Treasurer and Chief Financial Officer, certify that:

I have reviewed this Form 10-Q of Wells Financial Corp.;

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;

I am responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

(a)

Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

(b)

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

(c)

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

(d)

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

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

(a)

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

(b)

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

Date: August 14, 2015	/s/ James D. Moll
	James D. Moll
	President and Chief Executive Officer
	Treasurer and Chief Financial Officer

EX-32 3 t1501886_ex32.htm EXHIBIT 32

Exhibit 32

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report on Form 10-Q for the quarter ended June 30, 2015 (the "Report") of Wells Financial Corp. (the "Company") as filed with the Securities and Exchange Commission, I, James D. Moll, President and Chief Executive Officer, and Treasurer and Chief Financial Officer, certify, pursuant to 18 U.S.C. §1350, as adopted pursuant to §906 of the Sarbanes-Oxley Act of 2002, that:

(1) The Report fully complies with the requirements of Section 15(d) of the Securities Exchange Act of 1934; and

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

/s/ James D. Moll
James D. Moll
President and Chief Executive Officer
Treasurer and Chief Financial Officer
(Principal Executive and Financial Officer)

August 14, 2015

EX-101.INS 4 wefp-20150630.xml XBRL INSTANCE FILE 0000934739 2014-04-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:ResidentialPortfolioSegmentMember 2014-04-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember 2014-04-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember 2014-04-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:HomeEquityLoanMember 2014-04-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember 2014-04-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember wefp:AgriculturalPortfolioSegmentMember 2014-04-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember 2014-04-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember 2014-04-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember 2014-04-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:AutomobileLoanMember 2014-04-01 2014-06-30 0000934739 us-gaap:ConsumerLoanMember us-gaap:LoansReceivableMember 2014-04-01 2014-06-30 0000934739 wefp:AgreementAndPlanOfConversionMergerMember wefp:StJamesFederalSavingsAndLoanAssociationMember 2014-04-01 2014-06-30 0000934739 2014-01-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:ResidentialPortfolioSegmentMember 2014-01-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember 2014-01-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember 2014-01-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:HomeEquityLoanMember 2014-01-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember 2014-01-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember wefp:AgriculturalPortfolioSegmentMember 2014-01-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember 2014-01-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember 2014-01-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember 2014-01-01 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:AutomobileLoanMember 2014-01-01 2014-06-30 0000934739 us-gaap:CommonStockMember 2014-01-01 2014-06-30 0000934739 us-gaap:AdditionalPaidInCapitalMember 2014-01-01 2014-06-30 0000934739 us-gaap:RetainedEarningsMember 2014-01-01 2014-06-30 0000934739 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2014-01-01 2014-06-30 0000934739 us-gaap:TreasuryStockMember 2014-01-01 2014-06-30 0000934739 wefp:MezzanineEquityRedeemableCommonStockMember 2014-01-01 2014-06-30 0000934739 us-gaap:ConsumerLoanMember us-gaap:LoansReceivableMember 2014-01-01 2014-06-30 0000934739 wefp:AgreementAndPlanOfConversionMergerMember wefp:StJamesFederalSavingsAndLoanAssociationMember 2014-01-01 2014-06-30 0000934739 2014-01-01 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:ResidentialPortfolioSegmentMember 2014-01-01 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember 2014-01-01 2014-12-31 0000934739 us-gaap:LoansReceivableMember 2014-01-01 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:HomeEquityLoanMember 2014-01-01 2014-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember 2014-01-01 2014-12-31 0000934739 wefp:DiscountedCashFlowsMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ServicingContractsMember 2014-01-01 2014-12-31 0000934739 us-gaap:MinimumMember wefp:DiscountedCashFlowsMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ServicingContractsMember 2014-01-01 2014-12-31 0000934739 us-gaap:MaximumMember wefp:DiscountedCashFlowsMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ServicingContractsMember 2014-01-01 2014-12-31 0000934739 us-gaap:ConsumerLoanMember us-gaap:LoansReceivableMember 2014-01-01 2014-12-31 0000934739 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:ResidentialPortfolioSegmentMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:HomeEquityLoanMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember 2014-12-31 0000934739 wefp:DiscountedCashFlowsMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ServicingContractsMember 2014-12-31 0000934739 us-gaap:ResidentialMortgageBackedSecuritiesMember 2014-12-31 0000934739 wefp:SbaPoolsMember 2014-12-31 0000934739 us-gaap:USStatesAndPoliticalSubdivisionsMember 2014-12-31 0000934739 wefp:UsGovernmentSponsoredEnterprisesEquitySecuritiesMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember wefp:AgriculturalPortfolioSegmentMember 2014-12-31 0000934739 wefp:TemporarilyImpairedMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2014-12-31 0000934739 wefp:TemporarilyImpairedMember wefp:SbaPoolsMember 2014-12-31 0000934739 wefp:TemporarilyImpairedMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2014-12-31 0000934739 wefp:TemporarilyImpairedMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember wefp:AgriculturalPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember wefp:AgriculturalPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember wefp:AgriculturalPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:HomeEquityLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:HomeEquityLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:HomeEquityLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:AutomobileLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:AutomobileLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:AutomobileLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConsumerLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConsumerLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConsumerLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:NonperformingFinancingReceivableMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:NonperformingFinancingReceivableMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:NonperformingFinancingReceivableMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:NonperformingFinancingReceivableMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member wefp:RedeemableCommonStockMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member us-gaap:ResidentialMortgageBackedSecuritiesMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member wefp:SbaPoolsMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member us-gaap:USStatesAndPoliticalSubdivisionsMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member wefp:UsGovernmentSponsoredEnterprisesEquitySecuritiesMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member wefp:ForeclosedRealEstateMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member wefp:CollateralDependentImpairedLoansMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member us-gaap:ServicingContractsMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member us-gaap:ResidentialMortgageBackedSecuritiesMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member wefp:SbaPoolsMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member us-gaap:USStatesAndPoliticalSubdivisionsMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member wefp:UsGovernmentSponsoredEnterprisesEquitySecuritiesMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member wefp:ForeclosedRealEstateMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member wefp:CollateralDependentImpairedLoansMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member us-gaap:ServicingContractsMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member wefp:RedeemableCommonStockMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ResidentialMortgageBackedSecuritiesMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member wefp:SbaPoolsMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:USStatesAndPoliticalSubdivisionsMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member wefp:UsGovernmentSponsoredEnterprisesEquitySecuritiesMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member wefp:ForeclosedRealEstateMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member wefp:CollateralDependentImpairedLoansMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ServicingContractsMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember wefp:RedeemableCommonStockMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember wefp:SbaPoolsMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember wefp:UsGovernmentSponsoredEnterprisesEquitySecuritiesMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember wefp:ForeclosedRealEstateMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember wefp:CollateralDependentImpairedLoansMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:ServicingContractsMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:PassMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:SpecialMentionMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:SubstandardMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:DoubtfulMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:PassMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:SpecialMentionMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:SubstandardMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:DoubtfulMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:PassMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:SpecialMentionMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:SubstandardMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:DoubtfulMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember us-gaap:PassMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember us-gaap:SpecialMentionMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember us-gaap:SubstandardMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember us-gaap:DoubtfulMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:PassMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:SpecialMentionMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:SubstandardMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:DoubtfulMember 2014-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:AutomobileLoanMember 2014-12-31 0000934739 us-gaap:ConsumerLoanMember us-gaap:LoansReceivableMember 2014-12-31 0000934739 wefp:WellsFederalBankMember 2014-12-31 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member wefp:RedeemableCommonStockMember 2014-12-31 0000934739 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2014-12-31 0000934739 us-gaap:CommitmentsToExtendCreditMember 2014-12-31 0000934739 2015-04-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:ResidentialPortfolioSegmentMember 2015-04-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember 2015-04-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember 2015-04-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:HomeEquityLoanMember 2015-04-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember 2015-04-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember wefp:AgriculturalPortfolioSegmentMember 2015-04-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember 2015-04-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember 2015-04-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember 2015-04-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:AutomobileLoanMember 2015-04-01 2015-06-30 0000934739 us-gaap:ConsumerLoanMember us-gaap:LoansReceivableMember 2015-04-01 2015-06-30 0000934739 wefp:AgreementAndPlanOfConversionMergerMember wefp:StJamesFederalSavingsAndLoanAssociationMember 2015-04-01 2015-06-30 0000934739 2015-01-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:ResidentialPortfolioSegmentMember 2015-01-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember 2015-01-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember 2015-01-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:HomeEquityLoanMember 2015-01-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember 2015-01-01 2015-06-30 0000934739 wefp:DiscountedCashFlowsMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ServicingContractsMember 2015-01-01 2015-06-30 0000934739 us-gaap:MinimumMember wefp:DiscountedCashFlowsMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ServicingContractsMember 2015-01-01 2015-06-30 0000934739 us-gaap:MaximumMember wefp:DiscountedCashFlowsMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ServicingContractsMember 2015-01-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember wefp:AgriculturalPortfolioSegmentMember 2015-01-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember 2015-01-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember 2015-01-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember 2015-01-01 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:AutomobileLoanMember 2015-01-01 2015-06-30 0000934739 us-gaap:CommonStockMember 2015-01-01 2015-06-30 0000934739 us-gaap:AdditionalPaidInCapitalMember 2015-01-01 2015-06-30 0000934739 us-gaap:RetainedEarningsMember 2015-01-01 2015-06-30 0000934739 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2015-01-01 2015-06-30 0000934739 us-gaap:TreasuryStockMember 2015-01-01 2015-06-30 0000934739 us-gaap:RealEstateLoanMember wefp:AgriculturalPortfolioSegmentMember 2015-01-01 2015-06-30 0000934739 wefp:MezzanineEquityRedeemableCommonStockMember 2015-01-01 2015-06-30 0000934739 us-gaap:ConsumerLoanMember us-gaap:LoansReceivableMember 2015-01-01 2015-06-30 0000934739 wefp:AgreementAndPlanOfConversionMergerMember wefp:StJamesFederalSavingsAndLoanAssociationMember 2015-01-01 2015-06-30 0000934739 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:ResidentialPortfolioSegmentMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:HomeEquityLoanMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember 2015-06-30 0000934739 wefp:DiscountedCashFlowsMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ServicingContractsMember 2015-06-30 0000934739 us-gaap:ResidentialMortgageBackedSecuritiesMember 2015-06-30 0000934739 wefp:SbaPoolsMember 2015-06-30 0000934739 us-gaap:USStatesAndPoliticalSubdivisionsMember 2015-06-30 0000934739 wefp:UsGovernmentSponsoredEnterprisesEquitySecuritiesMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember wefp:AgriculturalPortfolioSegmentMember 2015-06-30 0000934739 wefp:TemporarilyImpairedMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2015-06-30 0000934739 wefp:TemporarilyImpairedMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2015-06-30 0000934739 wefp:TemporarilyImpairedMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember wefp:AgriculturalPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember wefp:AgriculturalPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember wefp:AgriculturalPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:HomeEquityLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:HomeEquityLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:HomeEquityLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:AutomobileLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:AutomobileLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:AutomobileLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConsumerLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConsumerLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConsumerLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:NonperformingFinancingReceivableMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:NonperformingFinancingReceivableMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:NonperformingFinancingReceivableMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:NonperformingFinancingReceivableMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member wefp:RedeemableCommonStockMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member us-gaap:ResidentialMortgageBackedSecuritiesMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member wefp:SbaPoolsMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member us-gaap:USStatesAndPoliticalSubdivisionsMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member wefp:UsGovernmentSponsoredEnterprisesEquitySecuritiesMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member wefp:ForeclosedRealEstateMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member wefp:CollateralDependentImpairedLoansMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member us-gaap:ServicingContractsMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member us-gaap:ResidentialMortgageBackedSecuritiesMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member wefp:SbaPoolsMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member us-gaap:USStatesAndPoliticalSubdivisionsMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member wefp:UsGovernmentSponsoredEnterprisesEquitySecuritiesMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member wefp:ForeclosedRealEstateMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member wefp:CollateralDependentImpairedLoansMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member us-gaap:ServicingContractsMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member wefp:RedeemableCommonStockMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ResidentialMortgageBackedSecuritiesMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member wefp:SbaPoolsMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:USStatesAndPoliticalSubdivisionsMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member wefp:UsGovernmentSponsoredEnterprisesEquitySecuritiesMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member wefp:ForeclosedRealEstateMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member wefp:CollateralDependentImpairedLoansMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ServicingContractsMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember wefp:RedeemableCommonStockMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:ResidentialMortgageBackedSecuritiesMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember wefp:SbaPoolsMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember wefp:UsGovernmentSponsoredEnterprisesEquitySecuritiesMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember wefp:ForeclosedRealEstateMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember wefp:CollateralDependentImpairedLoansMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:ServicingContractsMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:PassMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:SpecialMentionMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:SubstandardMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember us-gaap:DoubtfulMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:PassMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:SpecialMentionMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:SubstandardMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:DoubtfulMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:PassMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:SpecialMentionMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:SubstandardMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember us-gaap:DoubtfulMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember us-gaap:PassMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember us-gaap:SpecialMentionMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember us-gaap:SubstandardMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember us-gaap:DoubtfulMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:PassMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:SpecialMentionMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:SubstandardMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:DoubtfulMember 2015-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:AutomobileLoanMember 2015-06-30 0000934739 us-gaap:ConsumerLoanMember us-gaap:LoansReceivableMember 2015-06-30 0000934739 wefp:WellsFederalBankMember 2015-06-30 0000934739 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member wefp:RedeemableCommonStockMember 2015-06-30 0000934739 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2015-06-30 0000934739 us-gaap:CommitmentsToExtendCreditMember 2015-06-30 0000934739 us-gaap:SubsequentEventMember wefp:AgreementAndPlanOfConversionMergerMember wefp:StJamesFederalSavingsAndLoanAssociationMember 2015-07-16 0000934739 us-gaap:SubsequentEventMember wefp:AgreementAndPlanOfConversionMergerMember wefp:StJamesFederalSavingsAndLoanAssociationMember 2015-07-01 2015-07-16 0000934739 2015-08-12 0000934739 2014-03-31 0000934739 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:ResidentialPortfolioSegmentMember 2014-03-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:ResidentialPortfolioSegmentMember 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember 2014-03-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember 2014-06-30 0000934739 us-gaap:LoansReceivableMember 2014-03-31 0000934739 us-gaap:LoansReceivableMember 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:HomeEquityLoanMember 2014-03-31 0000934739 us-gaap:LoansReceivableMember us-gaap:HomeEquityLoanMember 2014-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember 2014-03-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember wefp:AgriculturalPortfolioSegmentMember 2014-03-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember wefp:AgriculturalPortfolioSegmentMember 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember 2014-03-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember 2014-03-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember 2014-06-30 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember 2014-03-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember 2014-06-30 0000934739 us-gaap:LoansReceivableMember us-gaap:AutomobileLoanMember 2014-03-31 0000934739 us-gaap:LoansReceivableMember us-gaap:AutomobileLoanMember 2014-06-30 0000934739 us-gaap:ConsumerLoanMember us-gaap:LoansReceivableMember 2014-03-31 0000934739 us-gaap:ConsumerLoanMember us-gaap:LoansReceivableMember 2014-06-30 0000934739 2013-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:ResidentialPortfolioSegmentMember 2013-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember 2013-12-31 0000934739 us-gaap:LoansReceivableMember 2013-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:HomeEquityLoanMember 2013-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember 2013-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember wefp:AgriculturalPortfolioSegmentMember 2013-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember 2013-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember 2013-12-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember 2013-12-31 0000934739 us-gaap:LoansReceivableMember us-gaap:AutomobileLoanMember 2013-12-31 0000934739 us-gaap:CommonStockMember 2013-12-31 0000934739 us-gaap:CommonStockMember 2014-06-30 0000934739 us-gaap:AdditionalPaidInCapitalMember 2013-12-31 0000934739 us-gaap:AdditionalPaidInCapitalMember 2014-06-30 0000934739 us-gaap:RetainedEarningsMember 2013-12-31 0000934739 us-gaap:RetainedEarningsMember 2014-06-30 0000934739 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2013-12-31 0000934739 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2014-06-30 0000934739 us-gaap:TreasuryStockMember 2013-12-31 0000934739 us-gaap:TreasuryStockMember 2014-06-30 0000934739 wefp:MezzanineEquityRedeemableCommonStockMember 2013-12-31 0000934739 wefp:MezzanineEquityRedeemableCommonStockMember 2014-06-30 0000934739 us-gaap:ConsumerLoanMember us-gaap:LoansReceivableMember 2013-12-31 0000934739 2015-03-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:ResidentialPortfolioSegmentMember 2015-03-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember us-gaap:CommercialPortfolioSegmentMember 2015-03-31 0000934739 us-gaap:LoansReceivableMember 2015-03-31 0000934739 us-gaap:LoansReceivableMember us-gaap:HomeEquityLoanMember 2015-03-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember us-gaap:CommercialPortfolioSegmentMember 2015-03-31 0000934739 us-gaap:LoansReceivableMember us-gaap:RealEstateLoanMember wefp:AgriculturalPortfolioSegmentMember 2015-03-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:CommercialPortfolioSegmentMember 2015-03-31 0000934739 us-gaap:LoansReceivableMember us-gaap:ConstructionLoansMember us-gaap:ResidentialPortfolioSegmentMember 2015-03-31 0000934739 us-gaap:LoansReceivableMember wefp:OperatingAndTermLoansMember wefp:AgriculturalPortfolioSegmentMember 2015-03-31 0000934739 us-gaap:LoansReceivableMember us-gaap:AutomobileLoanMember 2015-03-31 0000934739 us-gaap:ConsumerLoanMember us-gaap:LoansReceivableMember 2015-03-31 0000934739 us-gaap:CommonStockMember 2014-12-31 0000934739 us-gaap:CommonStockMember 2015-06-30 0000934739 us-gaap:AdditionalPaidInCapitalMember 2014-12-31 0000934739 us-gaap:AdditionalPaidInCapitalMember 2015-06-30 0000934739 us-gaap:RetainedEarningsMember 2014-12-31 0000934739 us-gaap:RetainedEarningsMember 2015-06-30 0000934739 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2014-12-31 0000934739 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2015-06-30 0000934739 us-gaap:TreasuryStockMember 2014-12-31 0000934739 us-gaap:TreasuryStockMember 2015-06-30 0000934739 wefp:MezzanineEquityRedeemableCommonStockMember 2014-12-31 0000934739 wefp:MezzanineEquityRedeemableCommonStockMember 2015-06-30 xbrli:shares iso4217:USD iso4217:USDxbrli:shares wefp:Segment xbrli:pure wefp:Security WELLS FINANCIAL CORP 0000934739 wefp --12-31 Smaller Reporting Company 811478 10-Q 2015-06-30 false 2015 Q2

14373000

19865000

12067000

12625000

4181000

1241000

2000000

3000000

34177000

22545000

1832000

9698000

102000

34177000

32822000

21923000

1680000

9101000

118000

32822000

2079000

2068000

1707000

3567000

182050000

183219000

177859000

177463000

834000

966000

3172000

3079000

1886000 1871000

3656000

3199000

1711000

1764000

251826000

251301000

221972000

215199000

220860000

214033000

2630000

2621000

17000

60000

588000

575000

225207000

224116000

2533000

2383000

209000

17110000

17116000

35552000

36479000

93000

41000

-10000

80000

-264000

216000

28878000

29043000

24086000

24802000

23979000

23741000

209000

17096000

17113000

34893000

35012000

-264000

80000

-28193000

-28435000

2342000

209000

17110000

17116000

35552000

36479000

93000

41000

-28878000

-29043000

2533000

2383000

251826000

251301000

7411000

11037000

2158000

545000

722000

2158000

431000

109000

155000

12000

13000

31000

28000

112000

2184000

528000

786000

2184000

447000

117000

159000

12000

30000

27000

78000

439000

484000

649000

712000

1825000

1934000

249000

314000

92000

93000

127000

142000

9000

1000

4000

18000

10000

14000

32000

30000

214000

126000

433000

624000

1724000

254000

87000

130000

2000

11000

18000

30000

135000

552000

785000

2252000

474000

114000

155000

4000

25000

30000

113000

0.10

95602

89928

500000

0.10

7000000

2091898

1445248

1451478

1960000

3877000

2062000

4237000

177000 371000 158000 323000

2137000

4248000

2220000

4560000

154000

314000

108000

225000

154000

314000

108000

225000

1983000

3934000

2112000

4335000

150000

320000

70000

1833000

3614000

2112000

4265000

174000

350000

359000

524000

207000 432000 215000 430000

151000

292000

169000

341000

112000 217000 123000 229000 222000 453000 222000 446000

866000

1744000

1088000

1970000

1188000 2367000 1145000 2257000

193000

401000

173000

357000

204000

419000

216000

430000

62000

110000

64000

123000

78000

149000

104000

177000

299000 354000 142000 256000

516000

980000

472000

945000

2540000

4780000

2316000

4545000

159000

578000

884000

1690000

63000

231000

334000

647000

96000

347000

550000

1043000

0.13

0.45

0.75

1.41

0.13

0.45

0.75

1.41

89000

344000

-176000

-52000

185000

691000

374000

991000

344000

-52000

228000

266000

17000

6000

242000

15000

-150000

165000

150000

0.30 0.36

10308

6230

48000

63000

150000

124000

2000

15000

-15000

14000

4000

-3000

-102000

320000

54000

81000

320000

200000

7000

12000

-1000

7000

-4000

-3000

-33000

-15000

1000

53000

3000

4000

8000

5000

-4000

-55000

70000

-17000

64000

70000

91000

8000

4000

-12000

-1000

-5000

-61000

11551000

17747000

11898000

16411000

43000

15000

-34000 15000

89000

96000

31000

43000

-102000

-106000

258000 94000

17000

6000

51000

132000

-40000

14000

-247000

30000

850000

-574000

-1308000 4206000 -3671000 2940000

1500000

-1000000

89000

60000

61000

71000

4510000

3124000

10376000

4282000

6000

3000

303000

306000

2628000

7618000

-3550000

-1112000

-16000

-9000

228000

266000

242000 165000

-4036000

-1552000

-558000

5492000

<p style="text-align: justify; widows: 1; text-transform: none; text-indent: -0.5in; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Note 1.  Nature of Operations <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <div style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Operations of Wells Financial Corp. (the Company) primarily consist of banking services through Wells Federal Bank (the Bank), and Wells Insurance Agency, Inc., a property and casualty insurance agency. The Company serves its customers through the Bank’s nine locations in south central Minnesota.</div>

<p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Note 4. Securities Available for Sale <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="14" nowrap="nowrap">June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Gross</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Gross</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Amortized</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Unrealized</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Unrealized</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Cost</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Gains</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Losses</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Fair Value</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in; width: 805px;">Residential mortgage-backed  agencies</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">22,041</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">57</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">(175</td> <td style="text-align: left; width: 15px;">)</td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">21,923</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">SBA pools</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,674</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,680</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Obligations of states and political subdivisions</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,005</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">138</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(42</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,101</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.1in; padding-left: 0.1in;">Government-sponsored enterprise equity</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">40</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">78</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">118</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">32,760</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">279</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">(217</td> <td style="text-align: left; padding-bottom: 2.5pt;">)</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">32,822</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="14" nowrap="nowrap">December 31, 2014</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Gross</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Gross</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Amortized</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Unrealized</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Unrealized</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Cost</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Gains</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Losses</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Fair Value</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in; width: 805px;">Residential mortgage-backed  agencies</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">22,677</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">60</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">(192</td> <td style="text-align: left; width: 15px;">)</td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">22,545</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">SBA pools</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,835</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(9</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,832</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Obligations of states and political  subdivisions</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,474</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">250</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(26</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,698</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.1in; padding-left: 0.1in;">Government-sponsored enterprise equity</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">40</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">62</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">102</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">34,026</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">378</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">(227</td> <td style="text-align: left; padding-bottom: 2.5pt;">)</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">34,177</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">   <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Contractual maturities: The amortized cost and fair value of securities available for sale as of June 30, 2015, by contractual maturity are shown below. Maturities may differ from contractual maturities in residential mortgage-backed securities and Small Business Administration (SBA) pools because the mortgages underlying the securities may be called or repaid without any penalties. In addition, government-sponsored enterprise equity securities have no maturity. Therefore, these securities are not included in the maturity categories in the following maturity summary. <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="6" nowrap="nowrap">June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Amortized Cost</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Fair Value</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 1155px;">Due in one year or less</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 136px;">839</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 136px;">841</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Due in one to five years</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,708</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,736</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Due after five through 10 years</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,456</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,477</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt;">Due after 10 years</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">2,002</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">2,047</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,005</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,101</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Residential mortgage-backed agencies</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">22,041</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">21,923</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">SBA pools</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,674</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,680</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt;">Government-sponsored enterprise equity</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">40</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">118</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">32,760</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">32,822</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Pledged securities: Securities with a carrying value of $22,712 and $20,961 at June 30, 2015 and December 31, 2014, respectively, were pledged to secure borrowed funds and for other purposes as required or permitted by law. <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Changes in other comprehensive income—unrealized gains (loss) on securities available for sale: <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">   <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="6">Three Months Ended June 30,</td> <td style="padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="6">Six Months Ended June 30,</td> <td style="padding-bottom: 1pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">2015</td> <td style="padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">2014</td> <td style="padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">2015</td> <td style="padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">2014</td> <td style="padding-bottom: 1pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td style="text-align: center;" colspan="2"> </td> <td> </td> <td> </td> <td style="text-align: center;" colspan="2"> </td> <td> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 815px;">Balance, beginning</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">216</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">(10</td> <td style="text-align: left; width: 16px;">)</td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">93</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">(264</td> <td style="text-align: left; width: 15px;">)</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Unrealized gains (losses) during the year</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(298</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">153</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(89</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">771</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 10pt;">Deferred tax effect relating to unrealized gain</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">123</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(63</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">37</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(427</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;">Balance, ending</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">41</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">80</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">41</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">80</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">   <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Temporarily impaired securities: <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="22" nowrap="nowrap">June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="6" nowrap="nowrap">Continuous Unrealized</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="6" nowrap="nowrap">Continuous Unrealized</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="6" nowrap="nowrap">Losses Existing</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="6" nowrap="nowrap">Losses Existing</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="6" nowrap="nowrap">12 Months or Less</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="6" nowrap="nowrap">Greater Than 12 Months</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="6" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Fair</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Unrealized</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Fair</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Unrealized</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Fair</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Unrealized</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Value</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Loss</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Value</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Loss</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Value</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Loss</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in; width: 429px;">Residential mortgage-backed agencies</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">5,250</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">33</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">8,829</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">142</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">14,079</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">175</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.1in; padding-left: 0.1in;">Obligations of states and  political subdivisions</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">2,294</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">16</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">911</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">26</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">3,205</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">42</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">7,544</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">49</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">9,740</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">168</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">17,284</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">217</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="22" nowrap="nowrap">December 31, 2014</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="6" nowrap="nowrap">Continuous Unrealized</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="6" nowrap="nowrap">Continuous Unrealized</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="6" nowrap="nowrap">Losses Existing</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="6" nowrap="nowrap">Losses Existing</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="6" nowrap="nowrap">12 Months or Less</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="6" nowrap="nowrap">Greater Than 12 Months</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="6" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Fair</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Unrealized</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Fair</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Unrealized</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Fair</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Unrealized</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Value</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Loss</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Value</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Loss</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Value</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Loss</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -10pt; padding-left: 10pt; width: 425px;">Residential mortgage-backed agencies</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">5,679</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">20</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">10,566</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">171</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">16,245</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">191</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">SBA pools</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,250</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,250</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.1in; padding-left: 0.1in;">Obligations of states and political subdivisions</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">1,495</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">1,180</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">20</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">2,675</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">26</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">7,174</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">26</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">12,996</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">200</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">20,170</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">226</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">There were 32 and 37 securities in unrealized loss positions as of June 30, 2015 and December 31, 2014, respectively. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Unrealized losses are deemed to be temporary. Most of these underlying securities consist of mortgage-backed securities. Market fluctuations are caused primarily by changes in interest rates and prepayments of underlying mortgages. Volatility in economic conditions influences the prices of these securities. There were no sales of available-for-sale securities during the six months ended June 30, 2015 and 2014.

<p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Note 5. Loans Receivable and Loans Held for Sale <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Composition of loans receivable: <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: center;" colspan="2">June 30,</td> <td> </td> <td> </td> <td style="text-align: center;" colspan="2">December 31,</td> <td> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">2015</td> <td style="padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">2014</td> <td style="padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 1155px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 136px;">55,295</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 136px;">56,674</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32,576</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30,653</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">36,745</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">38,128</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,154</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4,035</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,061</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">940</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31,589</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32,741</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,839</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,718</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,825</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,714</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,979</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,671</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,283</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,279</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Total loans</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">180,346</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">184,553</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Net deferred loan origination fees</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(303</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(345</td> <td style="text-align: left;">)</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt;">Allowance for loan loss</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(2,184</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(2,158</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt;">Loans receivable, net</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">177,859</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">182,050</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Loans are made to individuals as well as commercial and tax-exempt entities. Specific loan terms vary as to interest rate, repayment and collateral requirements based on the type of loan requested and the creditworthiness of the prospective borrower. Credit risk tends to be geographically concentrated in that a majority of the loan customers are located in the markets serviced by the Company. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">The Company’s extension of credit is governed by the individual loan policies that were established to control the quality of the Company’s loans. These policies and procedures are reviewed and approved by the Board of Directors on a regular basis. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Residential real estate loans: The Company originates residential real estate loans in its service area and also originates loans throughout Minnesota through its correspondent bank relationships. Currently, the majority of these loan originations are sold to the secondary market. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Commercial real estate loans: The Company’s goal is to create and maintain a high-quality portfolio of commercial real estate loans with customers who meet the credit quality and relationship profitability objectives of the Company. Commercial real estate loans are subject to underwriting standards and processes similar to commercial operating and term loans. These loans are analyzed using projected cash flows, and the repayment of these loans is largely dependent on the successful operation of the property. Loan performance may be adversely affected by factors impacting the general economy or conditions specific to the real estate market, such as geographic location and property type. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Agricultural real estate loans: The Company originates loans secured by agricultural real estate in its service area. Agricultural land in the Company’s service area is considered to be prime agricultural land. These loans are underwritten using both a cash flow analysis and appraised values. These are amortizing loans, and loan-to-value ratios generally do not exceed 60 percent at loan inception. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">   <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Commercial construction real estate loans: The Company defines construction loans as loans where the loan proceeds are controlled by the Company and used exclusively for the improvement of real estate in which the Company holds a mortgage. Due to the inherent risk in this type of loan, they are subject to other industry-specific policy guidelines outlined in the Company’s credit risk policy and are monitored closely. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Residential construction real estate loans: Residential construction loans originated by the Company generally are limited to six-month terms. When construction is completed, these loans are converted to permanent financing or sold to the secondary market. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Commercial operating and term loans: Commercial operating and term loans are originated in the Company’s primary service area. These loans are made to individuals, partnerships, corporations, limited liability partnerships and limited liability companies for the purpose of assisting in the development of a business enterprise. Loans to closely held businesses will generally be guaranteed in full or for a meaningful amount by the businesses’ major owners. Commercial loans are made based primarily on the historical and projected cash flow of the borrower and secondarily on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not perform as forecasted, and collateral securing loans may fluctuate in value due to economic or individual performance factors. Minimum standards and underwriting guidelines have been established for all commercial loan types. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Agricultural operating and term loans: Agricultural operating and term loans are originated in the Company’s primary service area and are generally used to purchase agricultural equipment or crop inputs. These loans are primarily secured by agricultural real estate and agricultural equipment or crops. Agricultural term and operating loans are made based primarily on the historical and projected cash flow of the borrower and secondarily on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not behave as forecasted, and collateral securing loans may fluctuate in value due to economic or individual performance factors. Minimum standards and underwriting guidelines have been established for all agricultural loan types. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Consumer loans, including home equity, home improvement and second mortgages, and vehicle loans: The Company originates direct consumer loans, including home equity lines and loans, credit cards, and vehicle loans, using a scoring-based credit analysis as part of the underwriting process. Each loan type has a separate specified scoring that consists of several factors, including debt to income, type of collateral and loan-to-collateral value, credit history, and Company relationship with the borrower. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Loans receivable: <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="22" nowrap="nowrap">June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Loans Past</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">30–59 Days</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">60–89 Days</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Due 90 Days</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Total</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Current</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Past Due</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Past Due</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">or More</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Past Due</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in; width: 617px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">52,122</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">1,375</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">719</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">1,079</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">3,173</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">55,295</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31,653</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">923</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">923</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32,576</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">36,064</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">117</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">564</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">681</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">36,745</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,154</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,154</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,061</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,061</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31,183</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">262</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">62</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">82</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">406</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31,589</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,659</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">117</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">63</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">180</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,839</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,825</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,825</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.1in; padding-left: 0.1in;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,939</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">35</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">40</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,979</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.1in; padding-left: 0.1in;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,228</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">26</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">29</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">55</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,283</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.1in; padding-left: 0.1in;">Total loans</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">174,888</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,708</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">898</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,852</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">5,458</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">180,346</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.1in; padding-left: 0.1in;">Nonperforming loans</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,852</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,852</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,852</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="22">December 31, 2014</td> <td style="padding-bottom: 1pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td style="text-align: center;" colspan="2">Loans Past</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td style="text-align: center;" colspan="2">30–59 Days</td> <td> </td> <td> </td> <td style="text-align: center;" colspan="2">60–89 Days</td> <td> </td> <td> </td> <td style="text-align: center;" colspan="2">Due 90 Days</td> <td> </td> <td> </td> <td style="text-align: center;" colspan="2">Total</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">Current</td> <td style="padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">Past Due</td> <td style="padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">Past Due</td> <td style="padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">or More</td> <td style="padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">Past Due</td> <td style="padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">Total</td> <td style="padding-bottom: 1pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in; width: 617px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">54,698</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">782</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">507</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">687</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">1,976</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">56,674</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30,653</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30,653</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">37,843</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">285</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">285</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">38,128</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4,035</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4,035</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">940</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">940</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32,291</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">193</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">255</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">450</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32,741</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,569</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">82</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">67</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">149</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,718</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,674</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">40</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">40</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,714</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.1in; padding-left: 0.1in;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,661</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">8</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">10</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,671</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.1in; padding-left: 0.1in;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,243</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">26</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">10</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">36</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,279</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.1in; padding-left: 0.1in;">Total loans</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">181,607</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,416</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">520</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,010</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,946</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">184,553</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.1in; padding-left: 0.1in;">Nonperforming loans</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,010</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,010</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,010</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">   <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Recorded investment in nonaccrual loans and loans past due 90 days or more and still accruing by class of loans as of June 30, 2015 and December 31, 2014, were as follows: <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="6" nowrap="nowrap">June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Loans Past Due</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">90 Days or More</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Nonaccrual</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">and Still Accruing</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 1129px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 204px;">1,079</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">-</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">564</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">82</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">63</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">35</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">29</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,852</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="6" nowrap="nowrap">December 31, 2014</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Loans Past Due</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">90 Days or More</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Nonaccrual</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">and Still Accruing</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 1129px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 204px;">687</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">-</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">255</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">67</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,010</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">No interest income was recognized on nonaccrual loans for the six months ended June 30, 2015 and 2014. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">The Company utilizes an internal asset classification system as a means of reporting problem and potential problem loans. Under the Company’s risk-rating system, the Company classifies problem and potential problem loans as “Special Mention,” “Substandard” and “Doubtful,” which correspond to risk ratings five, six and seven, respectively. Substandard loans include those characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Loans classified as Doubtful, or risk-rated seven, have all the weaknesses inherent in those classified as Substandard, with 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. Loans that do not currently expose the Company to sufficient risk to warrant classification in one of the aforementioned categories, but possess weaknesses that deserve management’s close attention, are deemed to be Special Mention, or risk-rated five. Risk ratings are updated any time the situation warrants. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Loans not meeting the criteria above that are analyzed individually as part of the above-described process are considered to be pass-rated loans. Loans listed as not rated are included in groups of homogeneous loans with similar risk and loss characteristics. The following tables present the risk category of loans by class of loans based on the most recent analyses performed and the contractual aging as of June 30, 2015 and December 31, 2014: <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="18" nowrap="nowrap">June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Special</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Pass</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Mention</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Substandard</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Doubtful</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 627px;">Commercial real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">30,444</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">1,427</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">705</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">-</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">32,576</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,154</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,154</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,629</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">15</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">195</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,839</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt;">Agricultural operating and term</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,792</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">33</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,825</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">45,019</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,475</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">900</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">47,394</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="18" nowrap="nowrap">December 31, 2014</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Special</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Pass</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Mention</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Substandard</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Doubtful</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 627px;">Commercial real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">26,449</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">3,556</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">648</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">-</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">30,653</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4,035</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4,035</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,426</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">292</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,718</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt;">Agricultural operating and term</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">7,714</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">7,714</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">43,624</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">3,556</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">940</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">48,120</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">   <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">For consumer, residential real estate, agricultural real estate, home equity, vehicle and residential construction loan classes, the Company collectively evaluates loans for impairment. The Company evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. Loans where credit quality and aging indicate potential weakness are placed on nonaccrual and are deemed to be nonperforming. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Impaired loans also include loans modified in a troubled debt restructuring where concessions have been granted to borrowers experiencing financial difficulties. These concessions could include a reduction in interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collections. There were no troubled debt restructurings of loans for the three and six months ended June 30, 2015 and 2014. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Payments received on nonaccrual loans are applied as a direct reduction of principal. Nonaccrual loans that are brought current, and do not have additional credit risk factors noted, are returned to accrual status. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">There were no loans modified in a troubled debt restructuring during the previous twelve month period that subsequently defaulted during the three and six months ended June 30, 2015 and 2014. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Loans individually evaluated for impairment by class of loans as of June 30, 2015 and December 31, 2014 are as follows: <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="18" nowrap="nowrap">June 30. 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Unpaid</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Allowance for</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Average</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Interest</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Principal</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Recorded</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Loan Losses</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Recorded</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Income</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Balance</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Investment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Allocated</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Investment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Recognized</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">With no related allowance recorded:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-left: 9pt; width: 615px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">491</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">491</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">-</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">494</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">13</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">With an allowance recorded:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-left: 9pt;">Residential real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">422</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">422</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">80</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">422</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">19</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-left: 9pt;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,619</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,619</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">341</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,622</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">55</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 16.2pt;">Home equity, home improvement and  second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-left: 9pt;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">59</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">59</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">29</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">65</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-left: 9pt;">Consumer</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; padding-left: 9pt;">Vehicle</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">3</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">3</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">3</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">3</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.1in; padding-left: 0.1in;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">3,631</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">3,631</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">488</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">3,663</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">89</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="18" nowrap="nowrap">December 31, 2014</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Unpaid</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Allowance for</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Average</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Interest</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Principal</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Recorded</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Loan Losses</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Recorded</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Income</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Balance</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Investment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Allocated</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Investment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Recognized</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">With no related allowance recorded:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 16.2pt; width: 605px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">461</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">461</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">-</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">505</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">27</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">With an allowance recorded:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 16.2pt;">Residential real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">822</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">822</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">115</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">830</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">34</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 16.2pt;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,637</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,637</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">341</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,690</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">99</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 16.2pt;">Home equity, home improvement and  second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">73</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">73</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">73</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">74</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 16.2pt;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">63</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">63</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.1in; padding-left: 16.2pt;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">16</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">16</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">12</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">16</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">2</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.1in; padding-left: 0.1in;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">4,072</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">4,072</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">573</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">4,115</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">166</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Allowance for loan losses: <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="18" nowrap="nowrap">Three Months Ended June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Balance,</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Balance,</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Beginning</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Charge-offs</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Recoveries</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Provision</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Ending</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in; width: 617px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">552</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">(9</td> <td style="text-align: left; width: 16px;">)</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">-</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">(15</td> <td style="text-align: left; width: 15px;">)</td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">528</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">785</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">786</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">155</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">159</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">8</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">474</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(85</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">53</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">447</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">114</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">117</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">25</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.1in; padding-left: 0.1in;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(4</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">27</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.1in; padding-left: 0.1in;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">113</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(6</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">26</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(55</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">78</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.1in; padding-left: 0.1in;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,252</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">(100</td> <td style="text-align: left; padding-bottom: 2.5pt;">)</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">32</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,184</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="18" nowrap="nowrap">Six Months Ended June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Balance,</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Balance,</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Beginning</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Charge-offs</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Recoveries</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Provision</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Ending</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in; width: 617px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">545</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">(9</td> <td style="text-align: left; width: 16px;">)</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">9</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">(17</td> <td style="text-align: left; width: 15px;">)</td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">528</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">722</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">64</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">786</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">155</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">159</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(12</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">13</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(1</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">431</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(89</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">91</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">447</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">109</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">8</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">117</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(1</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.1in; padding-left: 0.1in;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">28</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(5</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">27</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.1in; padding-left: 0.1in;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">112</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(9</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">36</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(61</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">78</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.1in; padding-left: 0.1in;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,158</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">(107</td> <td style="text-align: left; padding-bottom: 2.5pt;">)</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">63</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">70</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,184</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">   <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="18" nowrap="nowrap">Three Months Ended June 30, 2014</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Balance,</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Balance,</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Beginning</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Charge-offs</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Recoveries</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Provision</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Ending</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in; width: 617px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">439</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">(3</td> <td style="text-align: left; width: 16px;">)</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">-</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">48</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">484</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">649</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">63</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">712</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">127</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">15</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">142</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(15</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">18</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">249</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(93</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">34</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">124</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">314</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">92</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(1</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">93</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">10</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.1in; padding-left: 0.1in;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(3</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.1in; padding-left: 0.1in;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">214</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(1</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">15</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(102</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">126</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.1in; padding-left: 0.1in;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,825</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">(98</td> <td style="text-align: left; padding-bottom: 2.5pt;">)</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">57</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">150</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,934</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">   <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="18" nowrap="nowrap">Six Months Ended June 30, 2014</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Balance,</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Balance,</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Beginning</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Charge-offs</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Recoveries</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Provision</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Ending</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in; width: 617px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">433</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">(3</td> <td style="text-align: left; width: 16px;">)</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">-</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">54</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">484</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">624</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">81</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">712</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">130</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">142</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(1</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">11</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">18</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">254</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(177</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">37</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">200</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">314</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">87</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(1</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">93</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">18</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(4</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.1in; padding-left: 0.1in;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(3</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.1in; padding-left: 0.1in;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">135</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(10</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">34</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(33</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">126</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.1in; padding-left: 0.1in;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,724</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">(191</td> <td style="text-align: left; padding-bottom: 2.5pt;">)</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">81</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">320</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,934</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">   <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">The allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of June 30, 2015 and December 31, 2014, are as follows: <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="10" nowrap="nowrap">June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Individually</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Collectively</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Evaluated for</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Evaluated for</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Impairment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Impairment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Allowance for loan losses:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt; width: 1003px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">80</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">448</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">528</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">341</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">445</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">786</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">159</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">159</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">415</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">447</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">29</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">88</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">117</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: 10pt;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">24</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">27</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: 10pt;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">3</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">75</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">78</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">488</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,696</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,184</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="10" nowrap="nowrap">June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Individually</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Collectively</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Evaluated for</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Evaluated for</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Impairment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Impairment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>Loans:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt; width: 1003px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">913</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">54,382</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">55,295</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,619</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">29,957</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32,576</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">36,745</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">36,745</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,154</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,154</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,061</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,061</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.05pt; padding-left: 12.6pt;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31,558</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31,589</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">59</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,780</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,839</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,825</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,825</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: 10pt;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,976</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,979</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: 10pt;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,277</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,283</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">3,631</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">176,715</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">180,346</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="10" nowrap="nowrap">December 31, 2014</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Individually</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Collectively</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Evaluated for</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Evaluated for</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Impairment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Impairment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Allowance for loan losses:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt; width: 1003px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">115</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">430</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">545</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">341</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">381</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">722</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">155</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">155</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">13</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">13</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">73</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">358</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">431</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">77</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">109</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: 10pt;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">28</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">28</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: 10pt;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">12</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">100</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">112</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">573</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,585</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,158</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="10" nowrap="nowrap">December 31, 2014</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Individually</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Collectively</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Evaluated for</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Evaluated for</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Impairment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Impairment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>Loans:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt; width: 1003px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">1,283</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">55,390</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">56,674</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,637</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">28,016</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30,653</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">38,128</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">38,128</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4,035</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4,035</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">940</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">940</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">73</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32,668</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32,741</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">63</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,655</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,718</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,714</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,714</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: 10pt;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,671</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,671</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: 10pt;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">16</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,263</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,279</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">4,072</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">180,481</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">184,553</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Loans with a carrying value of $95,103 and $96,740 at June 30, 2015 and December 31, 2014, respectively, were pledged to secure borrowed funds. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">   <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Related-party loans: The Company has entered into transactions with its executive officers, directors, significant shareholders, and their affiliates (related parties). The aggregate amounts of loans to such related parties at June 30, 2015 and December 31, 2014, were $134 and $342, respectively. During 2015 and 2014, new loans to such related parties were $34 and $185, respectively, and repayments were $146 and $67, respectively. In the opinion of management, these loans have terms similar to other customer loans and do not present more than normal risk of collection. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Loans held for sale: As of June 30, 2015 and December 31, 2014, the Company’s loans held for sale were $3,567 and $1,707, respectively, and consisted of one- to four-family residential real estate loans. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Interest rate lock commitments related to the origination of mortgage loans that will be sold are considered derivative instruments. The Company estimates the fair value of these derivatives using the difference between the guaranteed interest rate in the commitments and the current market interest rate. To reduce the net interest rate exposure arising from its loan sale activity, the Company enters into a commitment to sell these loans at the same time that the interest rate lock commitment is quoted. The commitments to sell loans are also considered derivative instruments, with offsetting estimated fair values based on changes in current market rates. These commitments are not designated as hedging instruments and, therefore, changes in fair value are recognized immediately into income. The fair values of the Company’s derivative instruments are offsetting and deemed to be immaterial.

<p style="widows: 1; text-transform: none; text-indent: -0.75in; margin: 0pt 0px 0pt 0.75in; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Note 8. Earnings Per Share <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">A reconciliation of the income and common stock share amounts used in the calculation of basic and diluted earnings per share follows: <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="10" nowrap="nowrap">Three Months Ended June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Per Share</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Income</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Shares</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>Basic earnings per share:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: 10pt; width: 862px;">Net income</td> <td style="padding-bottom: 2.5pt; width: 16px;"> </td> <td style="text-align: left; padding-bottom: 2.5pt; width: 16px;">$</td> <td style="text-align: right; padding-bottom: 2.5pt; width: 189px;">550</td> <td style="text-align: left; padding-bottom: 2.5pt; width: 16px;"> </td> <td style="padding-bottom: 2.5pt; width: 16px;"> </td> <td style="text-align: left; padding-bottom: 2.5pt; width: 16px;"> </td> <td style="text-align: right; padding-bottom: 2.5pt; width: 188px;">737,100</td> <td style="text-align: left; padding-bottom: 2.5pt; width: 15px;"> </td> <td style="padding-bottom: 2.5pt; width: 15px;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left; width: 15px;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right; width: 188px;">0.75</td> <td style="text-align: left; padding-bottom: 2.5pt; width: 15px;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Effect of dilutive securities:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 10pt;">Stock options</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;"> </td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">349</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="text-align: right; padding-bottom: 1pt;"> </td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>Diluted earnings per share:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: 10pt;">Net income plus assumed conversions</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">550</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;"> </td> <td style="border-bottom: black 2.5pt double; text-align: right;">737,449</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">0.75</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="10" nowrap="nowrap">Six Months Ended June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Per Share</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Income</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Shares</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>Basic earnings per share:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: 10pt; width: 862px;">Net income</td> <td style="padding-bottom: 2.5pt; width: 16px;"> </td> <td style="text-align: left; padding-bottom: 2.5pt; width: 16px;">$</td> <td style="text-align: right; padding-bottom: 2.5pt; width: 189px;">1,043</td> <td style="text-align: left; padding-bottom: 2.5pt; width: 16px;"> </td> <td style="padding-bottom: 2.5pt; width: 16px;"> </td> <td style="text-align: left; padding-bottom: 2.5pt; width: 16px;"> </td> <td style="text-align: right; padding-bottom: 2.5pt; width: 188px;">739,453</td> <td style="text-align: left; padding-bottom: 2.5pt; width: 15px;"> </td> <td style="padding-bottom: 2.5pt; width: 15px;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left; width: 15px;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right; width: 188px;">1.41</td> <td style="text-align: left; padding-bottom: 2.5pt; width: 15px;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Effect of dilutive securities:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 10pt;">Stock options</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;"> </td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">349</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="text-align: right; padding-bottom: 1pt;"> </td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>Diluted earnings per share:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: 10pt;">Net income plus assumed conversions</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,043</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;"> </td> <td style="border-bottom: black 2.5pt double; text-align: right;">739,802</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1.41</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="10" nowrap="nowrap">Three Months Ended June 30, 2014</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Per Share</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Income</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Shares</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>Basic earnings per share:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: 10pt; width: 862px;">Net income</td> <td style="padding-bottom: 2.5pt; width: 16px;"> </td> <td style="text-align: left; padding-bottom: 2.5pt; width: 16px;">$</td> <td style="text-align: right; padding-bottom: 2.5pt; width: 189px;">96</td> <td style="text-align: left; padding-bottom: 2.5pt; width: 16px;"> </td> <td style="padding-bottom: 2.5pt; width: 16px;"> </td> <td style="text-align: left; padding-bottom: 2.5pt; width: 16px;"> </td> <td style="text-align: right; padding-bottom: 2.5pt; width: 188px;">760,546</td> <td style="text-align: left; padding-bottom: 2.5pt; width: 15px;"> </td> <td style="padding-bottom: 2.5pt; width: 15px;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left; width: 15px;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right; width: 188px;">0.13</td> <td style="text-align: left; padding-bottom: 2.5pt; width: 15px;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Effect of dilutive securities:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 10pt;">Stock options</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;"> </td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">1,070</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="text-align: right; padding-bottom: 1pt;"> </td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>Diluted earnings per share:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: 10pt;">Net income plus assumed conversions</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">96</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;"> </td> <td style="border-bottom: black 2.5pt double; text-align: right;">761,616</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">  0 .13</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="10" nowrap="nowrap">Three Months Ended June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Per Share</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Income</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Shares</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>Basic earnings per share:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: 10pt; width: 862px;">Net income</td> <td style="padding-bottom: 2.5pt; width: 16px;"> </td> <td style="text-align: left; padding-bottom: 2.5pt; width: 16px;">$</td> <td style="text-align: right; padding-bottom: 2.5pt; width: 189px;">347</td> <td style="text-align: left; padding-bottom: 2.5pt; width: 16px;"> </td> <td style="padding-bottom: 2.5pt; width: 16px;"> </td> <td style="text-align: left; padding-bottom: 2.5pt; width: 16px;"> </td> <td style="text-align: right; padding-bottom: 2.5pt; width: 188px;">761,808</td> <td style="text-align: left; padding-bottom: 2.5pt; width: 15px;"> </td> <td style="padding-bottom: 2.5pt; width: 15px;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left; width: 15px;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right; width: 188px;">0.45</td> <td style="text-align: left; padding-bottom: 2.5pt; width: 15px;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Effect of dilutive securities:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 10pt;">Stock options</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;"> </td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">1,070</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="text-align: right; padding-bottom: 1pt;"> </td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>Diluted earnings per share:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: 10pt;">Net income plus assumed conversions</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">347</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;"> </td> <td style="border-bottom: black 2.5pt double; text-align: right;">762,878</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">0.45</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <div style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  </div> <div style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">As of June 30, 2015 and 2014, 7,900 and 15,850 options, respectively, are not included in the dilutive earnings per share computation because their inclusion would be antidilutive.</div>

<p style="text-align: justify; widows: 1; text-transform: none; text-indent: -0.75in; margin: 0pt 0px 0pt 0.75in; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Note 10. Fair Value Measurements <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">ASC Topic 820 defines 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. <div style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"> </div> <div style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">ASC Topic 820 establishes a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows:</div> <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: -0.55in; margin: 0pt 0px 0pt 0.55in; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: -0.55in; margin: 0pt 0px 0pt 0.55in; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: -0.55in; margin: 0pt 0px 0pt 0.55in; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Level 3: Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">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. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Investment securities available for sale: The fair values of exchange-listed equity securities are based on quoted market prices and are categorized as Level 1 of the fair value hierarchy. The fair values of debt securities were generally determined based on matrix pricing. Matrix pricing is a mathematical technique that utilizes observable market inputs including, for example, yield curves, credit ratings and prepayment speeds. Fair values determined using matrix pricing are categorized as Level 2 in the fair value hierarchy. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <div style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Redeemable common stock: The Company has certain shares of common stock outstanding whereby the holder may put its shares to the Company for cash. This redeemable common stock is recorded at its fair value in the mezzanine equity section of our consolidated balance sheets and changes in fair value are recorded in retained earnings. The fair value of a share of common stock was determined by applying a market valuation approach based upon comparative financial and pricing analysis of the Company with a peer group of publicly traded financial institutions. The comparative financial analysis is based on three types of market pricing ratios: price to earnings, price to book (or price to tangible book) and price to assets, with a greater emphasis given to price to earnings and price to book value. Valuations include assumptions not observable in the marketplace, and the related fair value measurements have been categorized as Level 3 measurements.</div> <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">The Company is required, on a nonrecurring basis, to adjust the carrying value of certain assets or provide valuation allowances related to certain assets, using fair value measurements in accordance with generally accepted accounting principles. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Impaired loans: The specific reserves for collateral-dependent impaired loans are based on the fair value of the collateral less estimated costs to sell. The fair value of collateral was determined based on appraisals, with further adjustments made to the appraised values due to various factors, including the age of the appraisal, age of comparables included in the appraisal, and changes in the market and in the collateral. As these significant adjustments are based on unobservable inputs, the resulting fair value measurements have been categorized as Level 3 measurements. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Foreclosed real estate: Foreclosed real estate is recorded at fair value based on property appraisals, less estimated selling costs, at the date of transfer. The carrying value of foreclosed real estate is not remeasured to fair value on a recurring basis, but is subject to fair value adjustments when the carrying value exceeds the fair value, less estimated selling costs. Property appraisals are based on assumptions generally not observable in the marketplace, and the related nonrecurring fair value measurement adjustments have generally been classified as Level 3. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Mortgage servicing rights: Mortgage servicing rights are initially measured at fair value in the Company’s consolidated balance sheet. The Company utilizes the amortization method to subsequently measure its capitalized servicing assets. In accordance with ASC Topic 860, the Company must record impairment charges when the carrying value of certain strata exceeds their estimated fair value. To estimate the fair value of servicing rights, the Company considers market prices for similar assets and the present value of expected future cash flows associated with the servicing rights calculated using assumptions that market participants would use in estimating future servicing income and expense. Such assumptions include estimates of the cost of servicing loans, loan default rates, an appropriate discount rate, and prepayment speeds. For purposes of evaluating and measuring impairment of capitalized servicing rights, the Company stratifies such assets based on the predominant risk characteristics of the underlying financial instruments that are expected to have the most impact on projected prepayments, cost of servicing, and other factors affecting future cash flows associated with the servicing rights. Such factors may include financial asset or loan type, note rate and term. The amount of impairment recognized is the amount by which the carrying value of the capitalized servicing rights for a stratum exceeds estimated fair value. Impairment is recognized through a valuation allowance. The determination of fair value of capitalized servicing rights is considered a Level 3 valuation. <div style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"> </div> <div style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"> The following tables summarize assets and liabilities measured at fair value as of June 30, 2015 and December 31, 2014, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value:</div> <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="14" nowrap="nowrap">June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Level 1</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Level 2</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Level 3</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Total</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Inputs</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Inputs</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Inputs</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Fair Value</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.1in; padding-left: 0.1in;">Recurring:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 16.2pt;">Investment securities available for sale:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.35in; width: 781px;">Residential mortgage-backed securities</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">-</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">21,923</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">-</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">21,923</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.35in;">SBA pools</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,680</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,680</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.35in;">Obligations of states and political subdivisions</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,101</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,101</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.35in;">Government-sponsored enterprise equity securities</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">118</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">118</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 16.2pt;">Redeemable common stock</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(2,383</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(2,383</td> <td style="text-align: left;">)</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -0.1in; padding-left: 0.1in;">Nonrecurring:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 16.2pt;">Foreclosed real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,199</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,199</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 16.2pt;">Collateral-dependent impaired loans</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,143</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,143</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 16.2pt;">Mortgage servicing rights</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">624</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">624</td> <td style="text-align: left;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="14" nowrap="nowrap">December 31, 2014</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Level 1</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Level 2</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Level 3</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Total</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Inputs</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Inputs</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Inputs</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Fair Value</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>Recurring:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-left: 9pt;">Investment securities available for sale:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.25in; width: 791px;">Residential mortgage-backed securities</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">-</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">22,545</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">-</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">22,545</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.25in;">SBA pools</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,832</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,832</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.25in;">Obligations of states and political subdivisions</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,698</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9,698</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.25in;">Government-sponsored enterprise equity securities</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">102</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">102</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.25in;">Redeemable common stock</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(2,533</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(2,533</td> <td style="text-align: left;">)</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td>Nonrecurring:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.25in;">Foreclosed real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,656</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,656</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.25in;">Collateral-dependent impaired loans</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,002</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,002</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.25in;">Mortgage servicing rights</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">646</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">646</td> <td style="text-align: left;"> </td> </tr> </table> <div style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"> </div> <div style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"> The following tables present additional quantitative information about the unobservable inputs used in the fair value measurement of mortgage servicing rights measured on a non-recurring basis that were categorized within Level 3 of the fair value hierarchy:</div> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center; padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">Fair Value at June 30, 2015</td> <td style="text-align: center; padding-bottom: 1pt;"> </td> <td style="text-align: center; padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;">Valuation Technique</td> <td style="text-align: center; padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;">Unobservable Input</td> <td style="text-align: center; padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;">Range</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;" colspan="2">(in thousands)</td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> <td style="text-align: center;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: justify;" colspan="2"> </td> <td> </td> <td> </td> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: justify;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; width: 361px;">Mortgage servicing rights</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 157px;">624</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 329px;">Discounted cash flows(1)</td> <td style="width: 15px;"> </td> <td style="text-align: justify; width: 391px;">Prepayment PSA</td> <td style="width: 15px;"> </td> <td style="text-align: right; width: 235px;">157 – 335</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: left;">Discount rate</td> <td> </td> <td style="text-align: right;">8.50% – 9.25%</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: left;">Maturity (months) WAM</td> <td> </td> <td style="text-align: right;">37 – 325</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: justify;">Costs to service</td> <td> </td> <td style="text-align: right;">$65 - $750</td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: justify;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">Fair Value at December 31, 2014</td> <td style="padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;">Valuation Technique</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;">Unobservable Input</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;">Range</td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: center;" colspan="2">(in thousands)</td> <td> </td> <td> </td> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: justify;"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: justify;" colspan="2"> </td> <td> </td> <td> </td> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: justify;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: justify; width: 361px;">Mortgage servicing rights</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 157px;">646</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: justify; width: 329px;">Discounted cash flows(1)</td> <td style="width: 15px;"> </td> <td style="text-align: justify; width: 391px;">Prepayment PSA</td> <td style="width: 15px;"> </td> <td style="text-align: right; width: 235px;">157- 335</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: justify;">Discount rate</td> <td> </td> <td style="text-align: right;">8.50% – 9.25%</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: justify;">Maturity (months) WAM</td> <td> </td> <td style="text-align: right;">37- 325</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: justify;">Costs to service</td> <td> </td> <td style="text-align: right;">$65 - $750</td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">(1) The estimated fair value on mortgage servicing rights is determined through a cash flow analysis performed at the loan level and is based on the objective attributes of the portfolio (i.e., note rate, loan amount, etc.) and industry assumptions used in the marketplace. <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">There was no change in the fair value of redeemable common stock, which is a recurring fair value measurements using significant unobservable inputs (Level 3), between December 31, 2014 and June 30, 2015. <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">For the three and six months ended June 30, 2015 and 2014 there were no transfers in or out of Levels 1, 2, and 3. <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">ASC Topic 825 requires disclosure of the fair value of financial assets and financial liabilities, including those financial assets and financial liabilities that are not recognized at fair value on a recurring basis or nonrecurring basis. The methodologies for estimating the fair value of financial assets and financial liabilities that are recognized at fair value on a recurring or nonrecurring basis are discussed above. The methodologies for financial assets and financial liabilities are discussed in Note 1 of the consolidated financial statements for the year ended December 31, 2014. <div style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"> </div> <div style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  The estimated fair values of the Company’s financial instruments are as follows:</div> <div style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"> </div> <table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="6" nowrap="nowrap">June 30,</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="6" nowrap="nowrap">December 31,</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="6" nowrap="nowrap">2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="6" nowrap="nowrap">2014</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Level in Fair Value</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Carrying</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Fair</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Carrying</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Fair</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Hierarchy</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Value</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Value</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Financial assets:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-left: 9pt; width: 537px;">Cash and cash equivalents</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;"> </td> <td style="text-align: right; width: 157px;">Level 1</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 157px;">19,865</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 157px;">19,865</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 156px;">14,373</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 156px;">14,373</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-left: 9pt;">Certificates of deposit</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">Level 2</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,241</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,241</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4,181</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4,181</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-left: 9pt;">Federal funds sold</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">Level 2</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,000</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,000</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,000</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,000</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-left: 9pt;">Securities available for sale</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">Level 2</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32,822</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32,822</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">34,177</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">34,177</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-left: 9pt;">Federal Home Loan Bank stock</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">Level 2</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,068</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,068</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,079</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,079</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-left: 9pt;">Loans held for sale</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">Level 2</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,567</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3,567</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,707</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,707</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-left: 9pt;">Loans receivable, net</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">Level 2</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">177,859</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">177,463</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">182,050</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">183,219</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-left: 9pt;">Accrued interest receivable</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">Level 2</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">966</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">966</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">834</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">834</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-left: 9pt;">Mortgage servicing rights</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">Level 3</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,871</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,666</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,886</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,578</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Financial liabilities:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-left: 9pt;">Deposits</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">Level 2</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">220,860</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">214,033</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">221,972</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">215,199</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-left: 9pt;">Advances from borrowers for taxes and insurance</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">Level 2</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,621</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,621</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,630</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,630</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; padding-left: 9pt;">Accrued interest payable</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">Level 2</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">60</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">60</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">17</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">17</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-left: 9pt;">Redeemable common stock</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">Level 3</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,383</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,383</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,533</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,533</td> <td style="text-align: left;"> </td> </tr> </table>

<p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Note 11.  Subsequent Events <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">On November 14, 2014, the Company entered into an agreement and plan of conversion merger with St. James Federal Savings and Loan Association (St. James), a federal mutual savings association.  Under the plan, St. James converted to stock form and merged into the Bank.  On July 16, 2015, the conversion merger was completed by acquiring 100% of the voting shares of St. James.  The Company sold and issued 78,736 shares of its common stock at $27.36 per share.  The Company’s ESOP acquired 8%, 6,299 shares, of the newly issued shares using funds borrowed from the Company.  Since the shares were offered to the prior depositors and borrowers of St. James at a 5% discount to the average bid and ask quotation for 30 trading days prior to the final prospectus, the fair value of the consideration paid was determined to approximate zero.  The Company’s primary reasons for the acquisition are to provide for asset growth, improve capital and competitive position, and increase the limit on loans to one borrower. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">An estimate of the contractual amounts receivable for loans that are not expected to be collected has not been determined yet, since the initial accounting for the acquisition is incomplete, as noted below. <div style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"> </div> <div style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  The following table presents pro forma financial information assuming the acquisition occurred on January 1, 2014:</div> <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-align: justify;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="6" nowrap="nowrap">Three Months Ended June 30,</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="6" nowrap="nowrap">Six Months Ended June 30,</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-align: justify;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">2014</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">2014</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: justify; width: 565px;">Revenues</td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 14px;">$</td> <td style="text-align: right; width: 169px;">3,580</td> <td style="text-align: left; width: 14px;"> </td> <td style="width: 14px;"> </td> <td style="text-align: left; width: 14px;">$</td> <td style="text-align: right; width: 169px;">3,256</td> <td style="text-align: left; width: 14px;"> </td> <td style="width: 14px;"> </td> <td style="text-align: left; width: 14px;">$</td> <td style="text-align: right; width: 169px;">7,082</td> <td style="text-align: left; width: 14px;"> </td> <td style="width: 14px;"> </td> <td style="text-align: left; width: 14px;">$</td> <td style="text-align: right; width: 169px;">6,540</td> <td style="text-align: left; width: 14px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: justify;">Net income</td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">591</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">102</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">1,116</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">386</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: justify;">Diluted net income per share</td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">0.72</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">0.12</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">1.36</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">0.46</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: justify;">Diluted weighted-average shares</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">816,185</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">840,352</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">818,538</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">841,614</td> <td style="text-align: left;"> </td> </tr> </table> <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">The preliminary allocation of the consideration paid for the acquired assets and assumed liabilities are as follows: <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" border="0" cellspacing="0" cellpadding="0"> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: justify; width: 899px;">Cash and cash equivalents</td> <td style="width: 11px;"> </td> <td style="text-align: left; width: 11px;">$</td> <td style="text-align: right; width: 165px;">6,938</td> <td style="text-align: left; width: 10px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: justify;">Securities</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,053</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: justify;">Loans (contractual amount $17,434)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">17,102</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: justify;">Core deposit intangible</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">287</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: justify; padding-bottom: 1pt;">Other assets</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">683</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: justify; padding-bottom: 1pt;">Total assets</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">26,063</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: justify;">Deposits</td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">22,971</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: justify; padding-bottom: 1pt;">Other liabilities</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">38</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: justify; padding-bottom: 1pt;">Total liabilities</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">23,009</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: justify; padding-bottom: 2.5pt;">Net assets acquired</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">3,054</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: justify;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: justify;">Fair value of consideration</td> <td> </td> <td style="text-align: left;">$</td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: justify; padding-bottom: 1pt;">Estimated bargain purchase gain</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">3,054</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: justify; padding-bottom: 2.5pt;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">3,054</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">The merger is expected to result in a gain because of the legal and financial barriers to completing the merger, including the related transaction costs associated with the conversion merger and stock issuance. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">The above allocation assumes the core deposit intangible value is 1.25% of deposits.  The fair value of other assets acquired and liabilities assumed are based upon historical carrying amounts.  These allocations are not final as valuation procedures to determine their acquisition date fair value have not been completed yet.  Final fair value computations are expected to be based on discounted expected cash flows, among other valuation techniques.  The amount of bargain purchase gain to be recognized is dependent upon the determination of these fair values. <p style="text-align: justify; widows: 1; text-transform: none; text-indent: 0px; margin: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <div style="widows: 1; text-transform: none; text-indent: 0px; margin: 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">Stock issuance costs incurred through June 30, 2015 totaled $740.  These costs have been deferred and recognized as an other asset.  During the third quarter of 2015, total stock issuance costs will be offset against the proceeds of the offering, which will be recognized as paid-in capital.</div>

<div>Basis of Financial Statement Presentation: The accompanying unaudited interim financial statements have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission. Certain information and footnote disclosures normally included in annual financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted as permitted by such rules and regulations. The accompanying consolidated balance sheet and related notes as of December 31, 2014 are derived from the audited consolidated financial statements as of that date. These condensed financial statements and related notes should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s audited consolidated financial statements for the year ended December 31, 2014 contained in the Company’s Form S-1. In the opinion of management, all adjustments (which consist of normal recurring accruals) necessary for a fair presentation of the consolidated financial statements have been included. Results for any interim period are not necessarily indicative of results to be expected for the year or any other interim period.</div>

<div>Segment reporting: The Company’s activities are considered to be a single industry segment for financial reporting purposes. The Company is engaged in commercial and retail banking, investment and insurance services with operations in southern Minnesota. Substantially all income is derived from a diverse base of commercial and retail lending activities.</div>

<table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="22" nowrap="nowrap">June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Loans Past</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">30–59 Days</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">60–89 Days</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Due 90 Days</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Total</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Current</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Past Due</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Past Due</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">or More</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Past Due</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in; width: 617px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">52,122</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">1,375</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">719</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">1,079</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">3,173</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">55,295</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31,653</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">923</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">923</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32,576</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">36,064</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">117</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">564</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">681</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">36,745</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,154</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,154</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,061</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,061</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31,183</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">262</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">62</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">82</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">406</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31,589</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,659</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">117</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">63</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">180</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,839</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,825</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,825</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.1in; padding-left: 0.1in;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,939</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">35</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">40</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,979</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.1in; padding-left: 0.1in;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,228</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">26</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">29</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">55</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,283</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.1in; padding-left: 0.1in;">Total loans</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">174,888</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,708</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">898</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,852</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">5,458</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">180,346</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.1in; padding-left: 0.1in;">Nonperforming loans</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,852</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,852</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,852</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="22">December 31, 2014</td> <td style="padding-bottom: 1pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td style="text-align: center;" colspan="2">Loans Past</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td style="text-align: center;" colspan="2">30–59 Days</td> <td> </td> <td> </td> <td style="text-align: center;" colspan="2">60–89 Days</td> <td> </td> <td> </td> <td style="text-align: center;" colspan="2">Due 90 Days</td> <td> </td> <td> </td> <td style="text-align: center;" colspan="2">Total</td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">Current</td> <td style="padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">Past Due</td> <td style="padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">Past Due</td> <td style="padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">or More</td> <td style="padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">Past Due</td> <td style="padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2">Total</td> <td style="padding-bottom: 1pt;"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in; width: 617px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">54,698</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">782</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">507</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 110px;">687</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">1,976</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 109px;">56,674</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30,653</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30,653</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">37,843</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">285</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">285</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">38,128</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4,035</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4,035</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">940</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">940</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32,291</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">193</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">255</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">450</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32,741</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,569</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">82</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">67</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">149</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,718</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,674</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">40</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">40</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,714</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.1in; padding-left: 0.1in;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,661</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">8</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">10</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,671</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.1in; padding-left: 0.1in;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,243</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">26</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">10</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">36</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,279</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.1in; padding-left: 0.1in;">Total loans</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">181,607</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,416</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">520</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,010</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,946</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">184,553</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.1in; padding-left: 0.1in;">Nonperforming loans</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,010</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,010</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,010</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table>

<table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="18" nowrap="nowrap">Three Months Ended June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Balance,</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Balance,</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Beginning</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Charge-offs</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Recoveries</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Provision</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Ending</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in; width: 617px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">552</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">(9</td> <td style="text-align: left; width: 16px;">)</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">-</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">(15</td> <td style="text-align: left; width: 15px;">)</td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">528</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">785</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">786</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">155</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">159</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">8</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">474</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(85</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">53</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">447</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">114</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">117</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">25</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.1in; padding-left: 0.1in;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(4</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">27</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.1in; padding-left: 0.1in;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">113</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(6</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">26</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(55</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">78</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.1in; padding-left: 0.1in;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,252</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">(100</td> <td style="text-align: left; padding-bottom: 2.5pt;">)</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">32</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">-</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,184</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="18" nowrap="nowrap">Six Months Ended June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Balance,</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Balance,</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Beginning</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Charge-offs</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Recoveries</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Provision</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Ending</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in; width: 617px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">545</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">(9</td> <td style="text-align: left; width: 16px;">)</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">9</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">(17</td> <td style="text-align: left; width: 15px;">)</td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">528</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">722</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">64</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">786</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">155</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">159</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(12</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">13</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(1</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">431</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(89</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">91</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">447</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">109</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">8</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">117</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(1</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.1in; padding-left: 0.1in;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">28</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(5</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">27</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.1in; padding-left: 0.1in;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">112</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(9</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">36</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(61</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">78</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.1in; padding-left: 0.1in;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,158</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">(107</td> <td style="text-align: left; padding-bottom: 2.5pt;">)</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">63</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">70</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,184</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <div style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;"> </div> <table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="18" nowrap="nowrap">Three Months Ended June 30, 2014</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Balance,</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Balance,</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Beginning</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Charge-offs</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Recoveries</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Provision</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Ending</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in; width: 617px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">439</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">(3</td> <td style="text-align: left; width: 16px;">)</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">-</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">48</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">484</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">649</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">63</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">712</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">127</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">15</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">142</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(15</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">18</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">249</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(93</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">34</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">124</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">314</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">92</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(1</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">93</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">10</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.1in; padding-left: 0.1in;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(3</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.1in; padding-left: 0.1in;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">214</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(1</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">15</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(102</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">126</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.1in; padding-left: 0.1in;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,825</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">(98</td> <td style="text-align: left; padding-bottom: 2.5pt;">)</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">57</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">150</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,934</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">   <table align="center" style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="18" nowrap="nowrap">Six Months Ended June 30, 2014</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Balance,</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Balance,</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Beginning</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Charge-offs</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Recoveries</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Provision</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Ending</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> <td> </td> <td colspan="2"> </td> <td> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in; width: 617px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">433</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">(3</td> <td style="text-align: left; width: 16px;">)</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">-</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">54</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">484</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">624</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">81</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">712</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">130</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">142</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(1</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">11</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">18</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">254</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(177</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">37</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">200</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">314</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">87</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(1</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">93</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.1in; padding-left: 0.1in;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">18</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(4</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -0.1in; padding-left: 0.1in;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">(3</td> <td style="text-align: left;">)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: -0.1in; padding-left: 0.1in;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">135</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(10</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">34</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">(33</td> <td style="text-align: left; padding-bottom: 1pt;">)</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">126</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt; text-indent: -0.1in; padding-left: 0.1in;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,724</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">(191</td> <td style="text-align: left; padding-bottom: 2.5pt;">)</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">81</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">320</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,934</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table>

<table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="10" nowrap="nowrap">June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Individually</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Collectively</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Evaluated for</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Evaluated for</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Impairment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Impairment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Allowance for loan losses:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt; width: 1003px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">80</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">448</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">528</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">341</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">445</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">786</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">159</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">159</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">415</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">447</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">29</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">88</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">117</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: 10pt;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">24</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">27</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: 10pt;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">3</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">75</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">78</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">488</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,696</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,184</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="10" nowrap="nowrap">June 30, 2015</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Individually</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Collectively</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Evaluated for</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Evaluated for</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Impairment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Impairment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>Loans:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt; width: 1003px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">913</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">54,382</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">55,295</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,619</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">29,957</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32,576</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">36,745</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">36,745</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,154</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,154</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,061</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,061</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -0.05pt; padding-left: 12.6pt;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31,558</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31,589</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">59</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,780</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,839</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,825</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6,825</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: 10pt;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">3</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,976</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,979</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: 10pt;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,277</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,283</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">3,631</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">176,715</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">180,346</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">   <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="10" nowrap="nowrap">December 31, 2014</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Individually</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Collectively</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Evaluated for</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Evaluated for</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Impairment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Impairment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left;">Allowance for loan losses:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt; width: 1003px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">115</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">430</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">545</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">341</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">381</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">722</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">155</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">155</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">13</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">13</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">73</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">358</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">431</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">77</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">109</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">31</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: 10pt;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">28</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">28</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: 10pt;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">12</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">100</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">112</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">573</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">1,585</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">2,158</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table> <p style="widows: 1; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;">  <table style="widows: 1; text-transform: none; text-indent: 0px; width: 100%; border-collapse: collapse; font: 10pt 'times new roman', times, serif; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; font-stretch: normal;" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="10" nowrap="nowrap">December 31, 2014</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Individually</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Collectively</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Evaluated for</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="2" nowrap="nowrap">Evaluated for</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="2" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Impairment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Impairment</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Total</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td>Loans:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt; width: 1003px;">Residential real estate</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">1,283</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 141px;">55,390</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">56,674</td> <td style="text-align: left; width: 15px;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">2,637</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">28,016</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">30,653</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Agricultural real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">38,128</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">38,128</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4,035</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4,035</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Residential construction real estate</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">940</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">940</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Home equity, home improvement and second mortgages</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">73</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32,668</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">32,741</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Commercial operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">63</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,655</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5,718</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: 10pt;">Agricultural operating and term</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,714</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,714</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: 10pt;">Vehicle</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">-</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,671</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">1,671</td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="padding-bottom: 1pt; text-indent: 10pt;">Consumer</td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">16</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,263</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> <td style="padding-bottom: 1pt;"> </td> <td style="border-bottom: black 1pt solid; text-align: left;"> </td> <td style="border-bottom: black 1pt solid; text-align: right;">6,279</td> <td style="text-align: left; padding-bottom: 1pt;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="padding-bottom: 2.5pt;">Total</td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">4,072</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">180,481</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> <td style="padding-bottom: 2.5pt;"> </td> <td style="border-bottom: black 2.5pt double; text-align: left;">$</td> <td style="border-bottom: black 2.5pt double; text-align: right;">184,553</td> <td style="text-align: left; padding-bottom: 2.5pt;"> </td> </tr> </table>

<table align="center" style="font: 10pt/normal 'times new roman', times, serif; width: 100%; text-transform: none; text-indent: 0px; letter-spacing: normal; word-spacing: 0px; border-collapse: collapse; widows: 1; font-size-adjust: none; font-stretch: normal; -webkit-text-stroke-width: 0px;" border="0" cellspacing="0" cellpadding="0"> <tr style="vertical-align: bottom;"> <td style="text-indent: -9pt; padding-left: 9pt;" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="6" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="6" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="6" nowrap="nowrap">Minimum to Be Well</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -9pt; padding-left: 9pt;" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="6" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="6" nowrap="nowrap">Minimum</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="6" nowrap="nowrap">Capitalized Under</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -9pt; padding-left: 9pt;" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td colspan="6" nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="6" nowrap="nowrap">for Capital</td> <td nowrap="nowrap"> </td> <td nowrap="nowrap"> </td> <td style="text-align: center;" colspan="6" nowrap="nowrap">Prompt Corrective</td> <td nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -9pt; padding-left: 9pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="6" nowrap="nowrap">Actual</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="6" nowrap="nowrap">Adequacy Purposes</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="6" nowrap="nowrap">Action Provisions</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="vertical-align: bottom;"> <td style="text-indent: -9pt; padding-left: 9pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Percent</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Percent</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Amount</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> <td style="border-bottom: black 1pt solid; text-align: center;" colspan="2" nowrap="nowrap">Percent</td> <td style="padding-bottom: 1pt;" nowrap="nowrap"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -9pt; padding-left: 9pt;">Bank as of June 30, 2015:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -9pt; padding-left: 9pt; width: 427px;">Tier I capital (to average assets)</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">25,007</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;"> </td> <td style="text-align: right; width: 142px;">9.94</td> <td style="text-align: left; width: 16px;">%</td> <td style="width: 16px;"> </td> <td style="text-align: left; width: 16px;">$</td> <td style="text-align: right; width: 142px;">10,059</td> <td style="text-align: left; width: 16px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;"> </td> <td style="text-align: right; width: 141px;">4.00</td> <td style="text-align: left; width: 15px;">%</td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;">$</td> <td style="text-align: right; width: 141px;">12,574</td> <td style="text-align: left; width: 15px;"> </td> <td style="width: 15px;"> </td> <td style="text-align: left; width: 15px;"> </td> <td style="text-align: right; width: 141px;">5.00</td> <td style="text-align: left; width: 15px;">%</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -9pt; padding-left: 9pt;">Tier I capital common equity (to risk weighted assets)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">25,007</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14.51</td> <td style="text-align: left;">%</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,754</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4.50</td> <td style="text-align: left;">%</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">11,200</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6.50</td> <td style="text-align: left;">%</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -9pt; padding-left: 9pt;">Tier I capital  (to risk weighted assets)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">25,005</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14.51</td> <td style="text-align: left;">%</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">10,338</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6.00</td> <td style="text-align: left;">%</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">13,784</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">8.00</td> <td style="text-align: left;">%</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -9pt; padding-left: 9pt;">Total risk based capital  (to risk weighted assets)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">27,196</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">15.78</td> <td style="text-align: left;">%</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">13,784</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">8.00</td> <td style="text-align: left;">%</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">17,230</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">10.00</td> <td style="text-align: left;">%</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-indent: -9pt; padding-left: 9pt;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-indent: -9pt; padding-left: 9pt;">Bank as of  December 31, 2014:</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;"> </td> <td style="text-align: left;"> </td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -9pt; padding-left: 9pt;">Tier I capital  (to average assets)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">25,380</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">9.90</td> <td style="text-align: left;">%</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">10,255</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4.00</td> <td style="text-align: left;">%</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">12,819</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">5.00</td> <td style="text-align: left;">%</td> </tr> <tr style="background-color: #cceeff; vertical-align: bottom;"> <td style="text-align: left; text-indent: -9pt; padding-left: 9pt;">Tier I capital  (to risk weighted assets)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">25,380</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">13.58</td> <td style="text-align: left;">%</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">7,478</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">4.00</td> <td style="text-align: left;">%</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">11,217</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">6.00</td> <td style="text-align: left;">%</td> </tr> <tr style="background-color: white; vertical-align: bottom;"> <td style="text-align: left; text-indent: -9pt; padding-left: 9pt;">Total capital  (to risk weighted assets)</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">27,566</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14.74</td> <td style="text-align: left;">%</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">14,956</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">8.00</td> <td style="text-align: left;">%</td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">18,695</td> <td style="text-align: left;"> </td> <td> </td> <td style="text-align: left;"> </td> <td style="text-align: right;">10.00</td> <td style="text-align: left;">%</td> </tr> </table>

0.0041 0.0067 Less than one year

34026000

22677000

1835000

9474000

40000

32760000

22041000

1674000

9005000

40000

378000 60000 6000 250000 62000 279000 57000 6000 138000 78000 227000 192000 9000 26000 217000 175000 42000

839000

3708000

2456000

2002000

32760000

22041000

1674000

9005000

40000

841000

3736000

2477000

2047000

153000

771000

-298000

-89000

-63000 -427000 123000 37000

5679000

1495000

7174000

5250000

2294000

7544000

20000 6000 26000 33000 16000 49000

10566000

1250000

1180000

12996000

8829000

911000

9740000

171000 9000 20000 200000 142000 26000 168000

16245000

1250000

2675000

20170000

14079000

3205000

17284000

191000 9000 26000 226000 175000 42000 217000

20961000

22712000

56674000

30653000

184553000

32741000

5718000

38128000

4035000

940000

7714000

1010000

1671000

6279000

55295000

32576000

180346000

31589000

6839000

36745000

1154000

1061000

6825000

1852000

1979000

6283000

345000

303000

54698000

30653000

181607000

32291000

5569000

37843000

4035000

940000

7674000

1661000

6243000

52122000

31653000

174888000

31183000

6659000

36064000

1154000

1061000

6825000

1939000

6228000

1976000

2946000

450000

149000

285000

40000

782000

507000

687000

285000

193000

2000

255000

82000

67000

40000

8000

1000

26000

10000

1416000

520000

1010000

10000

36000

3173000

923000

5458000

406000

180000

681000

1375000

719000

1079000

923000

117000

564000

262000

62000

82000

117000

63000

5000

35000

26000

29000

2708000

898000

1852000

40000

55000

687000

1010000

255000

67000

1000

1079000

1852000

82000

63000

564000

35000

29000

30653000

48120000

5718000

4035000

7714000

26449000

3556000

648000

4035000

5426000

292000

7714000

43624000

3556000

940000

32576000

47394000

6839000

1154000

6825000

30444000

1427000

705000

1154000

6629000

15000

195000

6792000

33000

45019000

1475000

900000

461000

491000

461000

491000

505000

494000

27000

13000

822000

2637000

73000

63000

16000

422000

2619000

31000

59000

3000

6000

822000

2637000

73000

63000

16000

422000

2619000

31000

59000

3000

6000

115000

341000

573000

73000

32000

12000

80000

341000

488000

32000

29000

3000

830000

2690000

74000

16000

422000

2622000

31000

65000

3000

6000

34000

99000

2000

19000

55000

2000

4072000

3631000

4072000

3631000

4115000

3663000

166000

89000

3000

98000

93000

1000

3000

191000

177000

1000

10000

9000

100000

85000

6000

9000

107000

89000

9000

57000

34000

7000

1000

15000

7000

81000

37000

3000

34000

32000

5000

1000

26000

9000

63000

14000

4000

36000

115000

341000

573000

73000

32000

12000

80000

341000

488000

32000

29000

3000

430000

381000

1585000

358000

77000

155000

12000

13000

31000

28000

100000

448000

445000

1696000

415000

88000

159000

12000

30000

24000

75000

1283000

2637000

4072000

73000

63000

16000

913000

2619000

3631000

31000

59000

3000

6000

55390000

28016000

180481000

32668000

5655000

38128000

4035000

940000

7714000

1671000

6263000

54382000

29957000

176715000

31558000

6780000

36745000

1154000

1061000

6825000

1976000

6277000

0.60

96740000

95103000

342000

134000

185000

34000

67000

146000

1886000

1871000

1909000

1952000

107000

162000

150000

177000

332075000 322992000

2347000

2328000

2578000

2666000

15000 15000

25380000

25007000

10255000

10059000

12819000

12574000

0.099

0.0994

0.04

0.05

25007000 7754000 11200000 0.1451 0.045 0.065

25380000

25005000

7478000

10338000

11217000

13784000

0.1358

0.1451

0.04

0.06

0.08

27566000

27196000

14956000

13784000

18695000

17230000

0.1474

0.1578

0.08

0.10

760546

761808

737100

739453

1070

349

761616

762878

737449

739802

15850

7900

22545000

1832000

9698000

102000

-2533000

3656000

3002000

646000

-2533000

22545000

1832000

9698000

102000

3656000

3002000

646000

21923000

1680000

9101000

118000

-2383000

3199000

3143000

624000

-2383000

21923000

1680000

9101000

118000

3199000

3143000

624000

646000

624000

Discounted cash flows

Prepayment PSA, Discount rate, Maturity (months) WAM, Costs to service

1.57 3.35 1.57 3.35

0.0850

0.0925

0.0850

0.0925

P37M P325M P37M P325M 65000 750000 65000 750000 P30D

740000

38110000

44825000

3256000

6540000

3580000

7082000

102000

386000

591000

1116000

0.12

0.46

0.72

1.36

6938000

1053000

17102000

287000

683000

26063000

22971000

38000

23009000

3054000

1.00

78736

27.36

0.08

6299

0.05 3054000 0.0125

28000

17434000

840352

841614

816185

818538

The estimated fair value on mortgage servicing rights is determined through a cash flow analysis performed at the loan level and is based on the objective attributes of the portfolio (i.e., note rate, loan amount, etc.) and industry assumptions used in the marketplace. Level 1 Level 2 Level 3 2666000 2578000

2383000

2533000

19865000

14373000

EX-101.SCH 5 wefp-20150630.xsd XBRL SCHEMA FILE 001 - Document - Document and Entity Information link:presentationLink link:definitionLink link:calculationLink 002 - Statement - Consolidated Balance Sheets link:presentationLink link:definitionLink link:calculationLink 003 - Statement - Consolidated Balance Sheets (Parentheticals) link:presentationLink link:definitionLink link:calculationLink 004 - Statement - Consolidated Statements of Income (unaudited) link:presentationLink link:definitionLink link:calculationLink 005 - Statement - Consolidated Statements of Comprehensive Income (unaudited) link:presentationLink link:definitionLink link:calculationLink 006 - Statement - Consolidated Statements of Stockholders' Equity and Mezzanine Equity (Unaudited) link:presentationLink link:definitionLink link:calculationLink 007 - Statement - Consolidated Statements of Stockholders' Equity and Mezzanine Equity (Unaudited) (Parentheticals) link:presentationLink link:definitionLink link:calculationLink 008 - Statement - Consolidated Statements of Cash Flows (Unaudited) link:presentationLink link:definitionLink link:calculationLink 009 - Disclosure - Nature of Operations link:presentationLink link:definitionLink link:calculationLink 010 - Disclosure - Summary of Significant Accounting Policies link:presentationLink link:definitionLink link:calculationLink 011 - Disclosure - Certificates of Deposit link:presentationLink link:definitionLink link:calculationLink 012 - Disclosure - Securities Available for Sale link:presentationLink link:definitionLink link:calculationLink 013 - Disclosure - Loans Receivable and Loans Held for Sale link:presentationLink link:definitionLink link:calculationLink 014 - Disclosure - Loan Servicing link:presentationLink link:definitionLink link:calculationLink 015 - Disclosure - Stockholders' Equity, Regulatory Capital and Dividend Restrictions link:presentationLink link:definitionLink link:calculationLink 016 - Disclosure - Earnings Per Share link:presentationLink link:definitionLink link:calculationLink 017 - Disclosure - Financial Instruments With Off-Balance-Sheet Risk link:presentationLink link:definitionLink link:calculationLink 018 - Disclosure - Fair Value Measurements link:presentationLink link:definitionLink link:calculationLink 019 - Disclosure - Subsequent Events link:presentationLink link:definitionLink link:calculationLink 020 - Disclosure - Summary of Significant Accounting Policies (Policies) link:presentationLink link:definitionLink link:calculationLink 021 - Disclosure - Securities Available for Sale (Tables) link:presentationLink link:definitionLink link:calculationLink 022 - Disclosure - Loans Receivable and Loans Held for Sale (Tables) link:presentationLink link:definitionLink link:calculationLink 023 - Disclosure - Loan Servicing (Tables) link:presentationLink link:definitionLink link:calculationLink 024 - Disclosure - Stockholders' Equity, Regulatory Capital and Dividend Restrictions (Tables) link:presentationLink link:definitionLink link:calculationLink 025 - Disclosure - Earnings Per Share (Tables) link:presentationLink link:definitionLink link:calculationLink 026 - Disclosure - Fair Value Measurements (Tables) link:presentationLink link:definitionLink link:calculationLink 027 - Disclosure - Summary of Significant Accounting Policies (Detail Textuals) link:presentationLink link:definitionLink link:calculationLink 028 - Disclosure - Certificates of Deposit (Detail Textuals) link:presentationLink link:definitionLink link:calculationLink 029 - Disclosure - Securities Available for Sale (Details) link:presentationLink link:definitionLink link:calculationLink 030 - Disclosure - Securities Available for Sale (Details 1) link:presentationLink link:definitionLink link:calculationLink 031 - Disclosure - Securities Available for Sale (Details 2) link:presentationLink link:definitionLink link:calculationLink 032 - Disclosure - Securities Available for Sale (Details 3) link:presentationLink link:definitionLink link:calculationLink 033 - Disclosure - Securities Available for Sale (Detail Textuals) link:presentationLink link:definitionLink link:calculationLink 034 - Disclosure - Loans Receivable and Loans Held for Sale (Details) link:presentationLink link:definitionLink link:calculationLink 035 - Disclosure - Loans Receivable and Loans Held for Sale (Details 1) link:presentationLink link:definitionLink link:calculationLink 036 - Disclosure - Loans Receivable and Loans Held for Sale (Details 2) link:presentationLink link:definitionLink link:calculationLink 037 - Disclosure - Loans Receivable and Loans Held for Sale (Details 3) link:presentationLink link:definitionLink link:calculationLink 038 - Disclosure - Loans Receivable and Loans Held for Sale (Details 4) link:presentationLink link:definitionLink link:calculationLink 039 - Disclosure - Loans Receivable and Loans Held for Sale (Details 5) link:presentationLink link:definitionLink link:calculationLink 040 - Disclosure - Loans Receivable and Loans Held for Sale (Details 6) link:presentationLink link:definitionLink link:calculationLink 041 - Disclosure - Loans Receivable and Loans Held for Sale (Detail Textuals) link:presentationLink link:definitionLink link:calculationLink 042 - Disclosure - Loan Servicing (Details) link:presentationLink link:definitionLink link:calculationLink 043 - Disclosure - Loan Servicing (Detail Textuals) link:presentationLink link:definitionLink link:calculationLink 044 - Disclosure - Stockholders' Equity, Regulatory Capital and Dividend Restrictions (Details) link:presentationLink link:definitionLink link:calculationLink 045 - Disclosure - Earnings Per Share (Details) link:presentationLink link:definitionLink link:calculationLink 046 - Disclosure - Earnings Per Share (Detail Textuals) link:presentationLink link:definitionLink link:calculationLink 047 - Disclosure - Financial Instruments With Off-Balance-Sheet Risk (Detail Textuals) link:presentationLink link:definitionLink link:calculationLink 048 - Disclosure - Fair Value Measurements (Details) link:presentationLink link:definitionLink link:calculationLink 049 - Disclosure - Fair Value Measurements (Details 1) link:presentationLink link:definitionLink link:calculationLink 050 - Disclosure - Fair Value Measurements (Details 2) link:presentationLink link:definitionLink link:calculationLink 051 - Disclosure - Subsequent Events (Details) link:presentationLink link:definitionLink link:calculationLink 052 - Disclosure - Subsequent Events (Details 1) link:presentationLink link:definitionLink link:calculationLink 053 - Disclosure - Subsequent Events (Parentheticals) (Details 1) link:presentationLink link:definitionLink link:calculationLink 054 - Disclosure - Subsequent Events (Detail Textuals) link:presentationLink link:definitionLink link:calculationLink EX-101.CAL 6 wefp-20150630_cal.xml XBRL CALCULATION FILE EX-101.DEF 7 wefp-20150630_def.xml XBRL DEFINITION FILE EX-101.LAB 8 wefp-20150630_lab.xml XBRL LABEL FILE Document And Entity Information [Abstract] Entity Registrant Name Entity Central Index Key Trading Symbol Current Fiscal Year End Date Entity Filer Category Entity Common Stock, Shares Outstanding Document Type Document Period End Date Amendment Flag Document Fiscal Year Focus Document Fiscal Period Focus Statement of Financial Position [Abstract] Assets [Abstract] Assets Cash and Cash Equivalents, at Carrying Value Cash and cash equivalents Cash and cash equivalents, including interest-bearing accounts, 2015, $11,037; 2014, $7,411 Beginning Ending Certificates of deposit with carrying value Certificates of deposit Certificates of deposit, at cost Federal Funds Sold Federal funds sold Federal funds sold Available-for-sale Securities Securities available for sale Securities available for sale Fair Value Federal Home Loan Bank Stock Federal Home Loan Bank stock Federal Home Loan Bank stock, at cost Loans Receivable Held-for-sale, Amount Loans held for sale Loans held for sale Loans and Leases Receivable, Net Amount Loans receivable, net Loans receivable, net of allowance for loan loss of $2,184 in 2015; $2,158 in 2014; Loans receivable, net Interest Receivable Accrued interest receivable Accrued interest receivable Property, Plant and Equipment, Net Premises and equipment, net Mortgage Servicing Rights Net Mortgage servicing rights Mortgage servicing rights, net Represents net amount of mortgage servicing rights. Real Estate Acquired Through Foreclosure Foreclosed real estate Other Assets Other assets Assets Assets Total assets Liabilities and Equity [Abstract] Liabilities, Mezzanine Equity and Stockholders' Equity Liabilities [Abstract] Liabilities Deposits Advances from borrowers for taxes and insurance Advances from borrowers for taxes and insurance Custodial escrow balance Interest Payable Accrued interest payable Accrued interest payable Accrued Liabilities and Other Liabilities Accrued expenses and other liabilities Liabilities Total liabilities Commitments and Contingencies Commitments, Contingencies and Credit Risk Temporary Equity [Abstract] Mezzanine Equity Temporary Equity, Carrying Amount, Including Portion Attributable to Noncontrolling Interests Redeemable common stock Redeemable common stock held by ESOP, $0.10 par value, 95,602 shares issued, 89,928 outstanding at June 30, 2015; 95,602 outstanding at December 31, 2014 Stockholders' Equity Preferred Stock, Value, Outstanding Preferred stock, no par value; 500,000 shares authorized; none outstanding Common Stock, Value, Outstanding Common stock, $0.10 par value; 7,000,000 shares authorized; 2,091,898 shares issued Additional Paid in Capital, Common Stock Additional paid-in capital Retained Earnings (Accumulated Deficit) Retained earnings, substantially restricted Accumulated Other Comprehensive Income (Loss), Net of Tax Accumulated other comprehensive income Balance, beginning Balance, ending Treasury Stock, Value Treasury stock, 2015, 1,445,804 shares; 2014, 1,445,248 shares Treasury stock, 2015, 1,451,478 shares; 2014, 1,445,248 shares Stockholders' Equity Attributable to Parent Total equity Balance Total stockholders' equity Balance Balance Liabilities and Equity Total liabilities, mezzanine equity and stockholders' equity Interest-bearing Deposits in Banks and Other Financial Institutions Interest-bearing accounts (in dollars) Loans and Leases Receivable, Allowance Allowance for loan loss (in dollars) Net of allowance for loan losses Total Balance, Beginning Balance, Ending Allowance for loan loss Temporary Equity, Par or Stated Value Per Share Redeemable common stock held by ESOP (in dollar per share) Temporary Equity, Shares Issued Redeemable common stock held by ESOP, shares issued Temporary Equity, Shares Outstanding Redeemable common stock held by ESOP, shares outstanding Preferred Stock, No Par Value Preferred stock, par value (in dollars per share) Preferred Stock, Shares Authorized Preferred stock, shares authorized Preferred Stock, Shares Outstanding Preferred stock, shares outstanding Common Stock, Par or Stated Value Per Share Common stock, per value (in dollars per share) Common Stock, Shares Authorized Common stock, shares authorized Common Stock, Shares, Issued Common stock, shares issued Treasury Stock, Shares Treasury stock, shares Income Statement [Abstract] Interest and Dividend Income, Operating [Abstract] Interest income: Interest and Fee Income, Loans and Leases Loans receivable Investment Securities And Interest Bearing Deposits Investment securities and interest-bearing deposits Represents investment securities and interest-bearing deposits. Interest and Dividend Income, Operating Total interest income Total interest income Interest Expense [Abstract] Interest expense: Interest Expense, Deposits Deposits Interest Expense Total interest expense Total interest expense Interest Income (Expense), Net Net interest income Provision for Loan, Lease, and Other Losses Provision for loan losses Interest Income (Expense), after Provision for Loan Loss Net interest income after provision for loan losses Net interest income after provision for loan losses Noninterest Income [Abstract] Noninterest income: Gain (Loss) on Sales of Loans, Net Gain on sale of loans Gain on sale of loans held for sale Gain on sale of loans Loan Servicing Fees Loan servicing fees Amount of fees from providing loan services. Fees and Commissions Insurance commissions Fees And Service Charges Fees and service charges Represents amount of Fees and service charges. Other Noninterest Income Other Represents amount of ATM Income, Commission Income- Annuities, & Securities. Noninterest Income Total noninterest income Total noninterest income Noninterest Expense [Abstract] Noninterest expenses: Compensation And Benefits Compensation and benefits Represents amount of compensation and benefits. Occupancy, Net Occupancy Information Technology and Data Processing Data processing Advertising Expense Advertising Amortization of Mortgage Servicing Rights (MSRs) Amortization of mortgage servicing rights Other Real Estate Owned Other real estate owned Represents amount of Gain/ Loss on Sale of Real Estate Owned Writedown as well as Repair, Taxes, Insurance, other. Other Noninterest Expense Other Noninterest Expense Total noninterest expenses Total noninterest expenses Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Extraordinary Items, Noncontrolling Interest Income before income taxes Income Tax Expense (Benefit) Income tax expense Net Income (Loss) Attributable to Parent Net income Net income Earnings Per Share [Abstract] Earnings per share: Earnings Per Share, Basic Per share amount, basic (in dollars per share) Basic (in dollars per share) Earnings Per Share, Diluted Per share amount, diluted (in dollars per share) Diluted (in dollars per share) Statement of Comprehensive Income [Abstract] Other Comprehensive Income (Loss), Net of Tax [Abstract] Other comprehensive (loss) income: Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Net of Tax Unrealized (loss) gain on securities, net of related taxes Comprehensive Income (Loss), Net of Tax, Attributable to Parent Comprehensive income Statement of Stockholders' Equity [Abstract] Statement [Table] Equity Components [Axis] Common Stock [Member] Common Stock Additional Paid-in Capital [Member] Additional Paid-In Capital Retained Earnings [Member] Retained Earnings AOCI Attributable to Parent [Member] Accumulated Other Comprehensive Income (Loss) Treasury Stock [Member] Treasury Stock Equity Component [Domain] Mezzanine Equity Redeemable Common Stock [Member] Mezzanine equity Redeemable Common Stock Represents mezzanine equity redeemable common stock. Statement [Line Items] Increase (Decrease) in Stockholders' Equity [Roll Forward] Other Comprehensive Income (Loss), Net of Tax Other comprehensive income, net of related taxes Dividends, Cash Cash dividends declared Cash dividends declared ($0.36 and $0.30 per share for June 30, 2015 and 2014 respectively) Stock Issued During Period, Value, Share-based Compensation, Net of Forfeitures Stock-based compensation Treasury Stock, Value, Acquired, Cost Method Treasury stock purchases, 556 shares Treasury stock purchases, 6,230 and 10,308 shares for June 30, 2015 and 2014 respectively Stock Redeemed or Called During Period, Shares Change in fair value related to redeemable common stock Cash Dividends Per Share Cash dividends (in dollars per share) Represents cash dividends per share. Treasury Stock, Shares, Acquired Treasury stock purchases (in shares) Statement of Cash Flows [Abstract] Net Cash Provided by (Used in) Operating Activities, Continuing Operations [Abstract] Cash Flows From Operating Activities Adjustment to reconcile net income to net cash (used in) provided by operating activities: Provision for Loan and Lease Losses Provision Provision for loan losses Increase (Decrease) in Loans Held-for-sale Originations of loans held for sale Originations of loans held for sale Proceeds from Sale of Loans Held-for-sale Proceeds from the sale of loans held for sale Servicing Asset at Fair Value, Additions Net change in mortgage servicing rights Loss (Gain) On Sales Of Foreclosed Real Estate Net Loss (gain) on sales of foreclosed real estate, net Represents amount of loss (gain) on sales of foreclosed real estate, net. Depreciation, Depletion and Amortization Depreciation expense Amortization of Deferred Loan Origination Fees, Net Amortization of net deferred loan origination fees Amortization of net deferred loan origination fees Accretion (Amortization) of Discounts and Premiums, Investments Amortization of securities premiums Amortization of securities premiums Impairment of foreclosed real estate Represents amount of impairment of foreclosed real estate. Share-based Compensation Stock-based compensation expense Increase (Decrease) in Operating Capital [Abstract] Changes in assets and liabilities: Increase (Decrease) in Accrued Interest Receivable, Net Accrued interest receivable Accrued interest receivable Increase (Decrease) in Other Operating Assets Other assets Other assets Increase (Decrease) in Other Accounts Payable and Accrued Liabilities Accrued expenses and other liabilities Net Cash Provided by (Used in) Operating Activities, Continuing Operations Net cash (used in) provided by operating activities Net Cash Provided by (Used in) Investing Activities, Continuing Operations [Abstract] Cash Flows From Investing Activities Net Increase Decrease In Loan Balance Net decrease (increase) in loans Represents net increase/decrease in the beginning and end of period loan balances. Net Increase Decrease In Certificates Of Deposit Net decrease (increase) in certificates of deposit Represents net increase decrease in certificates of deposit. Increase (Decrease) in Federal Funds Sold Net (increase) decrease in federal funds sold Payments for Federal Home Loan Bank Advances Purchase of Federal Home Loan Bank stock Purchase of Federal Home Loan Bank stock Proceeds from Sale of Federal Home Loan Bank Stock Proceeds from sale of Federal Home Loan Bank stock Payments to Acquire Available-for-sale Securities Purchase of securities available-for-sale Purchase of securities available-for-sale Proceeds from Sale and Maturity of Available-for-sale Securities Maturities of available-for-sale securities Payments to Acquire Property, Plant, and Equipment Purchase of premises and equipment Purchase of premises and equipment Payments to Acquire Real Estate Investment in foreclosed real estate Proceeds from Sale of Foreclosed Assets Proceeds from sales of foreclosed real estate Net Cash Provided by (Used in) Investing Activities, Continuing Operations Net cash provided by investing activities Net cash provided by investing activities Net Cash Provided by (Used in) Financing Activities, Continuing Operations [Abstract] Cash Flows From Financing Activities Increase (Decrease) in Time Deposits Net decrease in deposits Increase (Decrease) in Advance Payments by Borrowers for Taxes and Insurance Net decrease in advances from borrowers for taxes and insurance Payments of Dividends Dividends paid Dividends paid Payment For Acquire Treasury Stock Purchase of treasury stock Represents payment for acquire treasury stock. Purchase of treasury stock Net Cash Provided by (Used in) Financing Activities, Continuing Operations Net cash provided by (used in) financing activities Net cash used in by financing activities Cash and Cash Equivalents, Period Increase (Decrease) Net increase (decrease) in cash and cash equivalents Net increase (decrease) in cash and cash equivalents Cash and Cash Equivalents [Abstract] Cash and Cash Equivalents Nature Of Operations [Abstract] Nature of Operations [Text Block] Nature of Operations Accounting Policies [Abstract] Basis of Presentation and Significant Accounting Policies [Text Block] Summary of Significant Accounting Policies Certificates Of Deposit [Abstract] Certificates Of Deposit [Text Block] Certificates of Deposit The entire disclosure for certificates of deposit. Investments, Debt and Equity Securities [Abstract] Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block] Securities Available for Sale Loans and Leases Receivable Disclosure [Abstract] Loans, Notes, Trade and Other Receivables Disclosure [Text Block] Loans Receivable and Loans Held for Sale Loan Servicing [Abstract] Loan Servicing [Text Block] Loan Servicing The entire disclosure for loan servicing. Banking and Thrift [Abstract] Banking and Thrift Disclosure [Text Block] Stockholders' Equity, Regulatory Capital and Dividend Restrictions Earnings Per Share [Text Block] Earnings Per Share Fair Value Disclosures [Abstract] Fair Value Disclosures [Text Block] Fair Value Measurements Subsequent Events [Abstract] Subsequent Events [Text Block] Subsequent Events Basis of Accounting, Policy [Policy Text Block] Basis of Financial Statement Presentation Segment Reporting, Policy [Policy Text Block] Segment reporting Schedule of Available-for-sale Securities Reconciliation [Table Text Block] Summary of amortized cost and fair values of securities with gross unrealized gains and losses Investments Classified by Contractual Maturity Date [Table Text Block] Schedule of amortized cost and fair value by contractual maturity Other than Temporary Impairment, Credit Losses Recognized in Earnings [Table Text Block] Schedule of changes in other comprehensive income-unrealized gains on securities available for sale Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Table Text Block] Schedule of unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] Schedule of composition of loans receivable Past Due Financing Receivables [Table Text Block] Schedule of loans receivable Schedule of Financing Receivables, Non Accrual Status [Table Text Block] Schedule of non-accrual loans Financing Receivable Credit Quality Indicators [Table Text Block] Schedule of credit quality indicators Impaired Financing Receivables [Table Text Block] Schedule of impaired loans Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block] Schedule of allowance for loan losses Allowance for Credit Losses on Financing Receivables [Table Text Block] Schedule of allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method Servicing Asset at Amortized Cost [Table Text Block] Schedule of mortgage servicing rights Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block] Schedule of Bank's compliance with its regulatory capital requirements Schedule of Earnings Per Share, Basic and Diluted [Table Text Block] Schedule of basic and diluted earnings per share Fair Value, Assets Measured on Recurring Basis [Table Text Block] Schedule of assets measured at fair value on a recurring basis segregated by fair value hierarchy level Fair Value Inputs, Assets, Quantitative Information [Table Text Block] Schedule of quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis Fair Value, by Balance Sheet Grouping [Table Text Block] Schedule of estimated fair values of the company's financial instruments Number of Reportable Segments Number of reportable segments EX-101.PRE 9 wefp-20150630_pre.xml XBRL PRESENTATION FILE XML 10 R39.htm IDEA: XBRL DOCUMENT

Loans Receivable and Loans Held for Sale (Details 5) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning			$ 2,158
Provision			70	$ 320
Balance, Ending	$ 2,184		2,184
Loans receivable
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	2,252	$ 1,825	2,158	1,724
Charge-offs	(100)	(98)	(107)	(191)
Recoveries	$ 32	57	63	81
Provision		150	70	320
Balance, Ending	$ 2,184	1,934	2,184	1,934
Loans receivable \| Home equity, home improvement and second mortgages
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	474	249	431	254
Charge-offs	(85)	(93)	(89)	(177)
Recoveries	5	34	14	37
Provision	53	124	91	200
Balance, Ending	447	314	447	314
Loans receivable \| Vehicle
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	$ 30	$ 32	$ 28	$ 30
Charge-offs
Recoveries	$ 1	$ 1	$ 4	$ 3
Provision	(4)	(3)	(5)	(3)
Balance, Ending	27	30	27	30
Loans receivable \| Consumer
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	113	214	112	135
Charge-offs	(6)	(1)	(9)	(10)
Recoveries	26	15	36	34
Provision	(55)	(102)	(61)	(33)
Balance, Ending	78	126	78	126
Loans receivable \| Residential \| Real estate
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	552	439	545	433
Charge-offs	$ (9)	$ (3)	(9)	$ (3)
Recoveries			9
Provision	$ (15)	$ 48	(17)	$ 54
Balance, Ending	528	484	528	484
Loans receivable \| Residential \| Construction real estate
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	$ 4	$ 4	$ 13	$ 11
Charge-offs
Recoveries
Provision	$ 8	$ 14	$ (1)	$ 7
Balance, Ending	12	18	12	18
Loans receivable \| Commercial \| Real estate
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	$ 785	$ 649	$ 722	$ 624
Charge-offs
Recoveries				$ 7
Provision	$ 1	$ 63	$ 64	81
Balance, Ending	$ 786	712	786	712
Loans receivable \| Commercial \| Construction real estate
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning		$ 9	$ 12	$ 2
Charge-offs
Recoveries		$ 7
Provision		(15)	$ (12)	$ (1)
Balance, Ending		1		1
Loans receivable \| Commercial \| Operating and term
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	$ 114	92	$ 109	87
Charge-offs		$ (1)		$ (1)
Recoveries
Provision	$ 3	$ 2	$ 8	$ 7
Balance, Ending	117	93	117	93
Loans receivable \| Agricultural \| Real estate
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	$ 155	$ 127	$ 155	$ 130
Charge-offs
Recoveries
Provision	$ 4	$ 15	$ 4	$ 12
Balance, Ending	159	142	159	142
Loans receivable \| Agricultural \| Operating and term
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	$ 25	$ 10	$ 31	$ 18
Charge-offs
Recoveries
Provision	$ 5	$ 4	$ (1)	$ (4)
Balance, Ending	$ 30	$ 14	$ 30	$ 14

XML 11 R54.htm IDEA: XBRL DOCUMENT

Subsequent Events (Detail Textuals) - USD ($) $ / shares in Units, $ in Thousands	1 Months Ended	6 Months Ended
	Jul. 16, 2015	Jun. 30, 2015
Subsequent Event [Line Items]
Stock issuance costs, recognized as an other asset		$ 740
Subsequent Event \| Agreement and plan of conversion merger \| St. James
Subsequent Event [Line Items]
Percentage of voting shares acquired	100.00%
Number of common stock sold and issued (in shares)	78,736
Share price (in dollars per share)	$ 27.36
Percentage acquired by ESOP	8.00%
Shares issued under Employee Stock Ownership Plan (in shares)	6,299
Percentage of discount on average bid	5.00%
Threshold trading days	30 days
Fair value of consideration
Percentage core deposit intangible value	1.25%

XML 12 R48.htm IDEA: XBRL DOCUMENT

Fair Value Measurements (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Recurring \| Residential mortgage-backed agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ 21,923	$ 22,545
Recurring \| SBA pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	1,680	1,832
Recurring \| Obligations of states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	9,101	9,698
Recurring \| Government-sponsored enterprise equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	118	102
Recurring \| Redeemable common stock
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ (2,383)	$ (2,533)
Recurring \| Level 1 Inputs \| Residential mortgage-backed agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring \| Level 1 Inputs \| SBA pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring \| Level 1 Inputs \| Obligations of states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring \| Level 1 Inputs \| Government-sponsored enterprise equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring \| Level 1 Inputs \| Redeemable common stock
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring \| Level 2 Inputs \| Residential mortgage-backed agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ 21,923	$ 22,545
Recurring \| Level 2 Inputs \| SBA pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	1,680	1,832
Recurring \| Level 2 Inputs \| Obligations of states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	9,101	9,698
Recurring \| Level 2 Inputs \| Government-sponsored enterprise equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ 118	$ 102
Recurring \| Level 2 Inputs \| Redeemable common stock
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring \| Level 3 Inputs \| Residential mortgage-backed agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring \| Level 3 Inputs \| SBA pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring \| Level 3 Inputs \| Obligations of states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring \| Level 3 Inputs \| Government-sponsored enterprise equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring \| Level 3 Inputs \| Redeemable common stock
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ (2,383)	$ (2,533)
Nonrecurring \| Foreclosed real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	3,199	3,656
Nonrecurring \| Collateral-dependent impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	3,143	3,002
Nonrecurring \| Mortgage servicing rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ 624	$ 646
Nonrecurring \| Level 1 Inputs \| Foreclosed real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Nonrecurring \| Level 1 Inputs \| Collateral-dependent impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Nonrecurring \| Level 1 Inputs \| Mortgage servicing rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Nonrecurring \| Level 2 Inputs \| Foreclosed real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Nonrecurring \| Level 2 Inputs \| Collateral-dependent impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Nonrecurring \| Level 2 Inputs \| Mortgage servicing rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Nonrecurring \| Level 3 Inputs \| Foreclosed real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ 3,199	$ 3,656
Nonrecurring \| Level 3 Inputs \| Collateral-dependent impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	3,143	3,002
Nonrecurring \| Level 3 Inputs \| Mortgage servicing rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ 624	$ 646

EXCEL 13 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx M4$L#!!0````(`+UZ#D=XY$XD]0$``#\A```3````6T-O;G1E;G1?5'EP97-= M+GAM;,W:S4[C,!`'\%>IG[_Y"G.=G88X[+J4_+?&(MM3U;'VGD:SRWV@Y%Y6VOO!M#H9-[+M MV!UDG;O5RK34N?;!YBUURJ7I4XY7LSL=THVV.07;#6P*[#]Y7>+L8PI&'TAW ML2=*=JAC>AHH'JN_C[Q4OJ*5?AC2NPH_W[LZT#"MB;WQSZ6N=SE+S+\MJQR- M;ZIPN/%OG1E;AN;']6\[ROD_7LO!3=S:X2KH1W-08'NR,95C;;49CXWJT87- M#^5):%^A-!8Z??_3T*=@9-/AA$B\JP\!TH<$Z4.!]-&`]'$&TL=G MD#Z^@/3Q%:0/OD!I!$54CD(J1S&5HZ#*453E**QR%%@Y'2'4%[L4````K`@``"P```%]R96QS M+RYR96QSK9++;L)`#$5_)9I]<4HE%A%AQ88=0OR`.^,\E,QXY#$B_?N.V(#" M0ZW$TJ][CZZ\#JFL#C2B]AQ2U\=43'X,JQW8OG*\M"_V/Z'D4X$G1H>)%]2-F`Q+M M*;V"^GH`A3&^.R6:E((C-Z."N[_8_`)02P,$%`````@`O7H.1ZKL&"/T`0`` M_R```!H```!X;"]??3,L1DS;''6!=#9!(=+G=Y-'EN&A MR_7J1SHVY=!WN3T,>?'G=.SR:OI^7;6E#*L0\J9-IR;?]$/JIJ>[?CPU9;H= M]V%H-J_-/@6MZV48+^=4CP\?9R^>M^MJ?-Y*M?C9C/M4UM7O?GS-;4HEA_.' MW$P+3(_?AO2=Y?O=[K!)3_WFUREUY8N*\&^!*LP'Z7R04H)L/L@H03X?Y)2@ M.!\4*4'+^:`E)>AV/NB6$G0W'W1'";J?#[JG!$D-9*PY20AKCM8"N!:.UP+` M%H[8`L@6CMD"T!:.V@+8%H[;`N`6CMP"Z!:.W0+P%H[>"O16CMX*]%;27AMM MMCEZ*]!;.7HKT%LY>BO06SEZ*]!;.7HKT%LY>BO06SEZ*]!;.7H;T-LX>AO0 MVSAZ&]#;2&CO0VSEZ.]#;.7H[ MT-LY>D>@=^3H'8'>D:-W!'I'CMX1Z!TY>D>@=R3]5GFA=VZ;,6U?RGCH]OG: M-?\-AT47>.?R=DS73SE/A0T76I=II13.UZN_6^>I?T/"I_\Z/+X#4$L#!!0` M```(`+UZ#D>$F0GC'0,``.T-```0````9&]C4')O<',O87!P+GAM;+U746_: M,!#^*Q8O8]+:T$"[#=%('3!U4KNBP=IGU[D0J\9.;0>5_?I=DL("=5*2A_&" M<_F^\_F^N\.,I.D-9UHEH"T'0UY60IHA&B\[L;7)T/,,BV%%S2E")+Z-E%Y1 MBX]ZZ:DHX@PFBJ4KD-;S>[T+#UXLR!#"DV3GM!.,LEVNDD1P1BU7,KCE3"NC M(DNF+PS$R#L$Y`ST/`>6:FXW0:_`E$TY9LZH@#'N%414&"A0_XPY9JQ6"94; MKWBZX?+)_$X6:D(ME%G[+PKO,=40XJ9[WG?&''.]P7.*C#N.J5Q"6,:^?;G- MQ3UHDYWTS#_MX6>7@JV]\`TTY'(YHUR;8+2VPS4PJ_2K3&O;5J50L4QT<[_` M^$R'/%(#V?*RLZ::4VD[Q/`_^.AWBFT+:[X6B;$Z>%#ZR<0`UHR\G3%?EK'E M-1\$YX,<@:M]I+<[6?":MKUS9Y8%MP+,732CVOZG5.1GVB;B?-`IG7[K@E`9 MDJFT6([DARRV0O'**=FMQDH:)7B(Q162;U10R8#,WZ3P&#SISNC[G+G%KRQ* M0U2$X3'5E),U3E/.W"K6@O.Y<6S4Q$[.3VI3#1GD#GLOU\.=X'FZ6E&]R0/@ M2\FQ-K`:R15C*D5)W0%E(RT#6LBCF$"B#+=N_\6@RL;JU9IR01\%$*P1,L?I MY&3<*"H-^04,^#I'9^55&*]!A)4<,@>]Y@P[QAT(2O(4*Q'B:/E`IL\IENLG MW&:9"HHMY.1,J9;HSY`98,#9Q'/"OG.)=%=G?DEKDMZ)UW9U"NA.PF.[FFOA?FW/Z+;3OG[7@N+6OY_2;UUC? M70/UG/,6G(L6''<=U'.^M."XZZ"6,W#703W'70>'_5R4_+>_DK!I/SHYF MX/T5%S%8G(S-=BFJYLUMNWQM/K@D>_M_[H*_4$L#!!0````(`+UZ#D?05O:D M/P$``&D#```1````9&]C4')O<',O8V]R92YX;6S-DTU/PS`,AO\*ZKU+LS&$ MHJX'0)R8A,00B%N6>%M8\Z'$4]=_3Y9U+0,NNW&K:[^/7\=)*1P3UL.SMPX\ M*@A7>UV;P(2;91M$QP@)8@.:AU&L,#&YLEYSC*%?$\?%EJ^!C(OBAFA`+CER M<@#FKB=F52D%$QXX6M_AI>CQ;N?K!)."0`T:#`9"1Y1DU:O9&MN8D@SZJHR. M:QYP;J5:*9!W[5#V.Q4[(W@=CG*0??OT]T\/*4.RKG(?5%_5-,VHF:2Z.#`E M[_.GEW0VN3(!N1$054$Q;!W,LE/GM\G]P^(QJ\8%G>;%;4ZO%W3*QI1-)Q^' MR<[\#89U-\2_=7PRF+:+"FNX<+=)(]-RTV<"20C"*X?*FHMP"?--G&!AM_P$ M@9>#.F&Z;%MH&^MEJ-+]&J+#RXDK6UO?'E,_HK-757T!4$L#!!0````(`+UZ M#D>97)PC$`8``)PG```3````>&PO=&AE;64O=&AE;64Q+GAM;.U:6W/:.!1^ M[Z_0>&?V;0O&-H&VM!-S:7;;M)F$[4X?A1%8C6QY9)&$?[]'-A#+E@WMDDVZ MFSP$+.G[SD5'Y^@X>?/N+F+HAHB4\GA@V2_;UKNW+][@5S(D$4$P&:>O\,`* MI4Q>M5II`,,X? M+&A`T%116F]?(+3E'S/X%/F7/Z3H=,H%N M,!M8('_.;Z?D3EJ(X53"Q,!J9S]6:\?1TDB`@LE]E`6Z2?:CTQ4(,@T[.IU8 MSG9\]L3MGXS*VG0T;1K@X_%X.+;+THMP'`3@4;N>PIWT;+^D00FTHVG09-CV MVJZ1IJJ-4T_3]WW?ZYMHG`J-6T_3:W?=TXZ)QJW0>`V^\4^'PZZ)QJO0=.MI M)B?]KFNDZ19H0D;CZWH2%;7E0-,@`%AP=M;,T@.67BGZ=90:V1V[W4%<\%CN M.8D1_L;%!-9ITAF6-$9RG9`%#@`WQ-%,4'RO0;:*X,*2TER0UL\IM5`:")K( M@?5'@B'%W*_]]9>[R:0S>IU].LYKE']IJP&G[;N;SY/\<^CDGZ>3UTU"SG"\ M+`GQ^R-;88C'(C MN]WV6'WV3T=N(]>IP+,BUY1&)$6?R"VZY!$XM4D-,A,_")V&F&I0'`*D"3&6 MH8;XM,:L$>`3?;>^",C?C8CWJV^:/5>A6$G:A/@01AKBG'/F<]%L^P>E1M'V M5;SOX%^9PU"AR1&QT" M9QNS1B&$:;OP'J\DCIJMPA$K0CYB&38:CFED)O816:I^JAS0^J!XR"@7QN1X^ MY7IX"C>6QKQ0KH)[`?_1VC?"J_B"P#E_+GW/I>^Y]#VATK\>WZV22$KYI9+2,6D$N! MLT$DN/R+RO`JQ`GH9%LE"0AMNZ5/U2I77Y:^Y*+@\6^3IKZ%T M/BS/^3Q?Y[3-"S-#MW)+ZK:4OK4F.$KTL@'37[]EUV MY".E,%.70[@:0KX#;;J=W#HXGIB1N0K34I!OP_GIQ7@:XCG9!+E]F%=MY]C1 MT?OGP5&PH^\\EAW'B/*B(>ZAAIC/PT.'>7M?F&>5QE`T%&ULK"0L1K=@N-?Q M+!3@9&`MH`>#KU$"\E)58#%;Q@,KD*)\3(Q%Z'#GEUQ?X]&2X]NF9;5NKREW M&6TB4CG":9@39ZO*WF6QP54=SU5;\K"^:CVT%4[/_EFMR)\,$4X6"Q)(8Y07 MIDJB\QE3ON>;G*YZ(G;ZEW?!8/+]<,E'#^4[YU_T74.N?O;=X_IN MDSM(3)QYQ1$!=$4"(Y4U#VT%SU&\Z.9X!ZS MAW.;>KC"1:S_6-8>^3+?.7#;.MX#7N83+$.D?L%]BHJ`$:MBOKJO3_DEG#NT M>_&!()O\UMND]MW@#'S4JUJE9"L1/TL'?!^2!F.,6_0T7X\48JVFL:W&VC$, M>8!8\PRA9CC?AT6:&C/5BZPYC0IO0=5`Y3_;U`UH]@TT')$%7C&9MC:CY$X* M/-S^[PVPPL2.X>V+OP%02P,$%`````@`O7H.1^`]]\!,`@``X`D```T```!X M;"]S='EL97,N>&ULS59M:]LP$/XK0AVCA1';*4W9:AM&(3#HRJ#YT&]%ML^. M0"^>+&=)?_WTXMA.6$B7=:7^HM.CN^<>G>2SXT9O&#PL`31:K9$>H[6`$[H'F\]D?=UY8\Z`J4QJ440YVFV`-IW#RC%6'&/[+N MN612(6T.PJAPB"`Y2QW>T9((UKHC4H,3<3U-F+36TV)Z0`+]+Y'?&N%-E$ MTZM1@!M,WDRJ`E2?.<);*(T9E-H$*%HM[:AE;:5+K24W1D%))05AEG(;T1F& M-@?&'NR;\ECN<*]+Y'WL&8<8615;TQ2B,X=KX(H:C-D\]Y@V/(D7K!@71Y2>.J6_Z>FUZ_:H,97W\R-S; MB?=DONVM.4'"*Q3'?MC>K;39^Y7VKW15E+F:9BJX'8;_*] MUG8/BG2W\#4$L#!!0````(`+UZ#D<>TCX78P0``,\1```/````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`P@V4X0LG?)`40!1'\#6CG_$XJT1%>^ND(#B`&([00Z MUDT'H!Q`^4Z@E=,%@!8`6NP*V@?0/H#V=RN-VQI`!P`Z>`WZREUO1&AWT0DS M9@2T/H36AZ];K_JFX>;G,'YYVTH?/-S[^+$H=.]]1`/GJ.`\4E%8*Z&]$T,9 M)Z+35CI$;%@N)A=5]1>BT-HTHNT9EX9<<]4+\D5PZ\T;8(A`7].(L*O^QHH??8B] MT_7+QJAKNJNOV1S##GW-(KY.RD;V$(7>9A%O)W7+,D1M9/`614>$^F81?;=8\\1"%+J<15R>%@`#.$.7LU@$ MQP.+[)T(YWU`%#J=Q9R>:MZXZBZ11-IQ'3IU$YHM!V&K%]&K5`%-I.([9/H]!V MBK;3B.W3J`-$H>TT8OLT"FVG:#N-V#Z)8F@[0]M9Q/9I%-K.T':V)<\QA,=` MV,@\AIJS-P3YR"!7XL'U7&'F,=2<[1KH##5G&QOJ-P9ZK#ITG+UI0[)1(:+0 M<;;K[H2AXPP=9V_?G402G:'C+.+X)(JAXPP=9Q'')U$Y.IZCXWDLT5_NG:)/ M+T>_\UB:;\60=`.$DN>Q+'\-NO0NM*X6X;T942AY'I-\VYC&)8,HE#QGCZ_; MSV_8I:AD*\KP_<$.W?@7^")\E/`_X]L#R\-&,QQ_T:7O.WQ-2$C5*W7LSUVT M?NT.[]PC^>DSQ(?_`%!+`P04````"`"]>@Y'(VA\O4P"``#Q!P``&````'AL M+W=OD[PV9!:&L$X3J,6-UU8%F;OA9<%NTG: M=.2%!^+6MIC_.Q#*AET(PL?&:W.MI=Z(RB*:>>>F)9UH6!=P_!\!(F& M&,3OA@QB,0^T\R?&WO3BYWD7QMH'0DDEM0FLACLY$DJU):7\=S+ZH:F)R_G# M^G<3KG+_A`4Y,OJG.1N'P9E<\(W*5S;\(%,,&VVP8E28;U#=A&3M@Q(& M+7X?QZ8SXS#^2=!$\Q/@1(`S`:9?$M!$0#-A/+IH],S$]0U+7!:<#0$?+Z/' M^L[!,U(G5^E->.F)H2<+^L8Z`!>1^@4V7H&-0\\L@1&Q,8C.('*4 M9"CWJZ1>E=11V5HJ+F)%(/,*9`X=V)GB@:RDRM8KL77Y5JX0-=" M;JNX&!BOJ/C+&"#7`K!5D',W,%Z@Y'0)[K4MX# M``#3$@``&````'AL+W=OR-R2(K4PFL@=E&TAP)!#NU9:]-K(9+H2-IU^N^KKW7DF6%[L3[\#OD.13X< M:7L+[;?NXGV?_*BKIGO>7/K^^I2FW?'BZZ+[%*Z^&?XYA[8N^N&R?4V[:^N+ MTQ145RD(D:5U43:;W7:Z]Z7=;<-;7Y6-_](FW5M=%^T_>U^%V_-&;CYN?"U? M+_UX(]UMTWO_'%Z MWHC1@Z_\L1^;*(;#NS_XJAI;&GK^OC3ZL\\Q<'W^T?IO4[J#_9>B\X=0_5V> M^LO@5FR2DS\7;U7_-=Q^]TL.9FSP&*IN^DV.;UT?ZH^035(7/^9CV4S'V_R/ M$TL8'P!+`-P#I/[/`+4$*!20SLZFO'XM^F*W;<,M:>>'<2W&9RZ?U#!RQ_'F M-%#3?T-FW7#W?0=ZF[Z/[2R2_2R!M>11<6`4YBY)A_[O)H`U`5.\6L=G?+QB MX]44K]?Q%B4Q2^PD:2:)S%UF4"*,2BNK>"^:]:*I%X>\S!*S[@6T1%:H2$LG M>2>&=6*HDQPY,:03)81`3J@(UJ(')QGK)"-.%.IDGU$GX`!/-$:EI;6\%\MZ ML=0+&OJ]91+.T$,\<"*;\TXLJS#'.)BMRJI42%B)N>%!*H&XR[`:89V`Q7EB5BU!7\MB5E+L*'!*REY%2:O9-!K,XW=<"H98:_DX2LI?16FKV3(:J02Y%FQ.A?;(R4/89F1 M75;'UB6/3DG9B;>MO62X",)E>%-A=3*/K@<>H9(R5&.&2LI'R(",,:=2L?'A M,2HI1S7FJ*2$I&/#P3923_$$!4I0C0D*%([&XH*($SD7\<(3%"A!-2;HHK$/ MLT%+B8'.Z@S$=CN(E)N4HCJREH`G'RBZEF(>>%H!I97&M%HT#]DJI_"8,"JC M(C4K\+0"0_.)U#+`TP5HC1?;]8&G"U"Z&$R71?.0J\";R?^('KWP7`'*%8.Y M`ES=Q4Q97A8;&YXL0,EB,%F`4D-EFI0AG,P8$^&NXOFB*%\,YHNBZ"`O.8PF MC\Q8S0=6YYR-\$[Q=%&4+@;7:(I67Z"=P*\[K$S$ MJC05>3FF59HA;\?TQ9>M1'@=K432U>>':_'J_RS:U[+IDI?0]Z&>OC><0^C] MT*;X-*1W\<7I?E'YVN&\G;^YS!=]N'Y\0KI_Q]K]"U!+`P04````"`"] M>@Y'LQZMCG4"```,"0``&````'AL+W=O[$" M?M\YOX/F8#ZP_HV7E`KOO:E;OO%+(;IU$/!#21O"5ZRCK;QS8GU#A)SVYX!W M/25';6KJ``&0!`VI6G^;Z[67?INSBZBKEK[T'K\T#>G_[FC-AHT/_=O":W4N MA5H(MGEP]QVKAK:\8JW7T]/&_P+7!8R41"M^573@L[&GX/>,O:G)C^/&!XJ! MUO0@5`@B+U=:T+I6D63F/U/0_SF5<3Z^1?^FRY7X>\)IP>K?U5&4DA;XWI&> MR*46KVSX3J<:8A7PP&JN_WN'"Q>LN5E\KR'OX[5J]748[V`PV=P&-!G0W3#N MQ$-#.!E"PQ",9+JNKT20;=ZSP>O'A]$1]J/T/5D9EZO7;9SF MP57%F22[48)F$K14%`Y%?)<$,O\=`CDAD/:'S)+$AB)TELDQC/;3=* MTED2L#)HBX\U"X[$R9'8'*'!,4KB68XL3@!R9\'.+-C.8FSI#EM9TBQ#QMM> MV*H/6%(G2VJS//@Y9$Y_9OL3HY;,HHR!^C.*^52VH%']SM4B@,V#'T1XT&2@ M'<'J,O")E_$3T9+%W6L@LEDRDP59^X:!:W^?$"Z9W/T+V@T,FPULTLQ3(9#! M-#-?X">$2R9W(X-V)\-F)YLT\U0PBF&$+2:7,(I19#(%LW.K(V?ZD_3GJN7> MG@EY!.J#ZL28H#(H6,EPI?PTN4]J>A)JB.6X'P_K<2)8=_OVN'\`;?\!4$L# M!!0````(`+UZ#D=VW?EC*04``!(<```8````>&PO=V]R:W-H965T&ULC9G14/"*@E`4HYKHJ-IV8?MFIJ'G:?B4UBUX#Q`(EG M_WX!$P=W7\WD);;)::&K%GTEM#A7]8]FG^?M[%=9')N'^;YM3_=!T&SW>9DU M=]4I/W;_>:[J,FN[G_5+T)SJ/-L-06414!A&09D=CO/E8KCVK5XNJM>V.!SS M;_6L>2W+K/YOE1?5^6&NYN\7OA]>]FU_(5@N@FO<[E#FQ^90'6=U_OPP?U3W M&VUZ9"#^.>3G9O)]UG?^J:I^]#_^VCW,P[X/>9%OV[Z)K/MXR]=Y4?0M=7?^ M.3;Z<<\^`ZWUP@!X#]$>` M^6V`&0/,9^]@QP#+[A!YMEYMM?W%(Q?"_ M;NR:[NK;,J9%\-:W,R*K"T)31-\BJ434E0BZ^U\[0:@3*Q+AK`]K2<2&]>&/ MC6Q^V\A--S4<*SW$ZVF\Q?$&QILAWDSC(S;6%R0>D.-%1!CQP9"0%/)60L3^0&0&02K"F&FF(Y;QV.3V!\(L;$*#8FBQXJXJ%4 MQ#,T,C>E12E>6D;J1I1+1+F7E-&:ZP*4=MJGS&-/2BH3?58@$;P<`BCF3QI@ M].3!ONTO=+)'1;*_FF>"/I4)DJH2+3(A*4.1R(2D=.2=8]C\E'2_Q-<"MC\E M_2^Q?&R,[*EU?&@DI,1R`$"6#!\8=#M?QK$!*NF`"7=U)6V)E.6J`!1RQP"0 MT6(>(X@\JK`-*NF#"?=U)9U)12)7`+**JY*0YA:S`1`YGRILA"J6JKB[C\Q- MA_DR8XT@_@2G`")R7!6`E&<%IK`]*^G/B>.JD+&*DO,)*`60,1%7!2"K/:JP M22OITHZ[M((VS7T:4$D4<5F@*2<=`E"Q\91!PF9-H2BDSK=;PJ9(TA0=W[01 M,$5E>,V!%!_`%%#=*H;O)1"E(\]4)FR?).W3LD+549KDJ#.A!Q50`*Q3Y80M(B$*0\FP+"=D[2SAVWQ5>1+6`.+[R!0UQ#>]&P097Z*PEY/T] MG(!-&_$2!CFPXZH`9+D_`$A;7QG%7D[`R[GKD317PU]OK0%D^9.7`LCQ:KI! M4.*;@-C+27JYXRL4`C:M9:T`E#5\6P0H8Z4P0,5>9=C/"?BYR!=PZD0\6FC? M+68A@"*^?M@`RL:>5RL:N[F66V\5\G6*!CMAS74!*.*.A1C#2P:`NOGA4857 M&%JN,%3(WRB,T'0?:_F^>PT@7E%3P'05E9=W0&GC65YHO+S0))9>*O1L(;3G M';#T)1Y_3(<-36S;?5Z;/N,3ZY>C[,>J3\P8==7ZGZMP/54 MW6\NAU4?S2\7I^PE_SNK7P['9O94M6U5#H[ZH\B? MV_YKW'VO+T=6EQ]M=7H_@;L>`R[_!U!+`P04````"`"]>@Y'#?@5BDD"``!. M!P``&````'AL+W=O;. M>U.W;.N6G'<;`%A1X@:Q)]+A5NR<"6T0%TMZ`:RC&)T4J:E!X'DQ:%#5NEFJ M;"\T2\F5UU6+7ZC#KDV#Z)\=KDF_=7WW;GBM+B67!I"E8.*=J@:WK"*M0_%Y MZS[[FT,B$0KPL\(]F\T=&?N1D#>Y^'[:NIX,`=>XX%(!B>&&BF`]USGA,[K6_)7TW_"8`I2"!:F9^CK% ME7'2W"FNTZ#W8:Q:-?;#SLH;:79",!*"B3#YL1/"D1`^"-&GA&@D1/_K`8X$ MJ'D`0^ZJ\`D"M,J#(2>5@T3LXZU:I@0WXNT8SN8H#!*[`E! M:T+04I$/!&*K0&RIR$JKR("!LRB_^(F6;VZ"5FNM)!8=J%\1$Q-&']R1Q)I0 M8DE("V27F&77;W-N8OR5]F/N3@J>`]EM-/O.W^2^Q;X73\?0Z1_R6=JA"_Z!Z*5JF7,D7/0XU8G.A'`L M0O>>Q#&4XG&;%C4^@Y' M-E[M%)(#``"+$```&````'AL+W=OR*/9#I0=?/S4ZIUGLKBZJYG>S:=G_C^\UZI\JLN=9[59E?MKHNL]8JT(?;"9N\ MG_B5/^W:[H0_F_K'N$U>JJK)=>75:GL[^<9N5BSMD)[XG:M#\V'?Z\0_:OW< M'7S?W$Z"3H,JU+KM4F1F\ZKN55%TFRG:7_JP4N,]B"[A6A=-_]=;OS2M+M]#)EZ9O0W;O.JW MA^&7)!C#<$`X!H3'`,8O!O`Q@!\#0GDQ(!H#HM,5DHL!8@P0QX`HOA@0CP'Q MZ0KB8H`<`^0IX'*5DC$@.4D:VCNTHV_F/&NSV;36!Z\>5N`^ZQ8ZNTG,"8.4%,]EF`Q2(G?N4CQ* M4EI`E[H*8UI!!"6,YEH"[5Q&I/4K1$4AKB.'=>1]!F[5,<4)(I@@PF>`")$.D+./:P)E)$`&63!+Q)0D8AH77X"65)2*"4% M4LYTMS->-+8#D(+,P+L1NCQ[`,2D,Y?G`.,BH"/^`6`)6?\+P)CI$W%GA`/Y M/)7D!E80.]@%DF7(FDC[( M(%<8!8ECB@`3G)\I)_9%%GY]H#-L"8Q_8:2/D%7L(*(N]AEER\$&PX##.(-] MA*Q.T)8NF>LQ'R%;##89AES&J8UK(>9%(*9J/J%L.=AJ&/(:.N"9:S:.%M=J MS@G!1L.0TSB##%B-<$:4"UVQV!E0B!+T>8)0<.;&L'4QY%WG#`-;#D.>(^F$ M2[\RX5RHFW#T;15@/([H]'X`&'W!7`#F*DS!@P[D1TD0THX`C"=T'O@?OJ#V MV9/ZD=5/>=5XC[HU'V/])]-6ZU:9C,&U6;,[E6V.!X7:MMVN-/OU\*T\'+1Z M__[I?_S_P^P_4$L#!!0````(`+UZ#D?@>#,QWP$``,X$```8````>&PO=V]R M:W-H965T&UL;53;;J,P$/T5Q`?$8$B:C0A20[5J'U:J^K#[ M[,!P47UA;2=T_WYM0P@E?L'V^)PS9XS'V2#DIVH!=/#%*%?'L-6Z/R"DRA88 M41O1`S<[M9",:+.4#5*]!%(Y$J,(1]$.,=+Q,,]<[%WFF;AHVG%XEX&Z,$;D MOQ-0,1S#.+P%/KJFU3:`\@S-O*ICP%4G>""A/H;/\:'86H0#_.Y@4(MY8+V? MA?BTB[?J&$;6`E`HM54@9KA"`91:(9/X[Z1Y3VF)R_E-_:>KUK@_$P6%H'^Z M2K?&;!0&%=3D0O6'&%YA*L$Y+`55[AN4%Z4%NU'"@)&O<>RX&X=Q9Q]--#\! M3P0\$^8\?D(R$9([(765CLY<72]$DSR38@CD^"]Z8G]Y?$C,R94VZ`[*[9G* ME(E>\QCO,W2U0A/F-&+P$C,CD%&?4V!?BA-^H./O"8I'Q%/JSY!XBT@K>(GT[ICI]UE\JPG M#?PBLNFX"LY"FUOL[EHMA`9C,MH8?ZUY7.8%A5K;Z9.9R['?QH46_>WUF)^P M_#]02P,$%`````@`O7H.1U##(;>N!```-Q@``!@```!X;"]W;W)KCV8>51O.P^^Q`$]#8 MF+6=,/OOUQ="2-5I:5X"-J>[3]^^JNZL+G7SLSUXW\U^5>6I?9P?NN[\L%RV MVX.OBO9+??:G_I=]W51%US\V+\OVW/AB-Q:JRB5%4;RLBN-IOEZ-[[XWZU7] MVI7'D__>S-K7JBJ:_S:^K"^/<@M#Y)1\??17]J[[[/!_'-=_QP>_MP]SJ/!@R_]MANJ*/J/-Y_[LAQJ MZEO^]UKI1YM#P?OO[[5_';O;VW\N6I_7Y3_'77?HW4;SV<[OB]>R^U%?OOEK M']Q0X;8NV_'O;/O:=G7U7F0^JXI?T^?Q-'Y>IE_2Z%H,%Z!K`;H5N+6#"_"U M`'\4L&-/)V=CO_XHNF*]:NK+K)DFXUP,N!^Y[?!R'*CQM[YG;?_V;6V8 M5LNWH:*K9C-IZ%YS4RS[VF]-$&IB0ZJX:"#7BL3B%AAV@L?R_*D3C"NPL`([ M5F#O*XB,&(5)DXR:TU5C6?1$B]@FV(F#3ASH2F`L8EA!K+J2ROF<).[.9!*) M?F@)4X1M)-!&HD>4G?"1J$86CJQP`D3L`E92:"4%5F)A)=6MF"2YF[K)#)(9 MYP+;(8-V,F!'M+/)5#LFMD:LR!RH3)JEV,P`,[3_(V`GE0"(=$MB,G.@L8$] M:`(H,L!*)JV8W["B-8O0)C*064^&M!<;22^DVLEBZ45KTBQ@!JR@A,2<6#M&@Q*`TAI5;RP>HXB-3!(1`$SF)7&`3,LS3@]29(Q0$,NM(\P M=HWFKK%6>M%85<.B)2800`PFKTET"+$N4`4FIM'(9-47Q$*9.N1(%<*EP;PT M&I@:4!J%"Z-F68ML()`0AB5I6*HY)LU!EM$5:!84RA,(TY(`+:T,:P1(Z!(Y M,$"5AD(L85X2@447ZA#F'"'.R8DFC3!+BBU`U:_-*+"C":..$.ID.")-,T(T,[)D$2:9`L31!?-/)J$2`BVQ4\HMDUIG01&&`$L@X MG<(6@"/)DT,.5";B),9^&%.40Q/..AE?FRV(Z6D!'V?.-U>1S-I-^@&KA0N<:BPEIC=Z=<:A'&'X6P"^6\+.::_U9 M+E'W:T#6$R=PO+$8@!8`,)8`O(H^W?=EJ5J#2-8GI#+U7=[=QU:^>1GOJ=O9 MMGX]=+]QCSDTXWV1S7KU;EX\7\5SZZZKJ_%. M=U_7G>]=1E_Z`3OX8G=[*/V^&[XF_?=FNM>>'KKZ_'Y-?_M?P?I_4$L#!!0` M```(`+UZ#D?4F31'H0$``+$#```8````>&PO=V]R:W-H965T&UL?5/!;MP@$/T5Q`<$+[O)MBNOI6RJ*#U4BG)HSZP]ME&`<0&OD[\/8*]C MI58OP`SSWKP9AGQ`^^I:`$_>M#+N2%OONP-CKFQ!"W>#'9AP4Z/5P@?3-LQU M%D250%HQGF5W3`MI:)$GW[,M+7&]UL*^GT#A<*0;>G6\R*;UT<&* MG,VX2FHP3J(A%NHCO=\<3KL8D0)^2QC:10F@H/21083M M`@^@5"0*B?].G)\I(W!YOK(_IFJ#^K-P\(#JCZQ\&\1FE%10BU[Y%QR>8"KA M-A*6J%Q:2=D[C_H*H42+MW&7)NW#>+/E$VP=P"<`GP'?LB1\3)1D_A!>%+G% M@=BQM9V(+[@Y\-"(,CI3W>DN"'7!>RDV=]]S=HE$4\QIC.'+F#F"!?8Y!5]+ M<>+_P/DZ?+NJ<)O@VV7V?;9.L%LEV"6"W7]+7(G9?RV2+7JJP39I=!PIL3=I M4!?>>3KOTR.RS_`B[T0#OX1MI''DC#Z\;.I_C>@A2,EN;BEIP_^9#06UC\=] M.-MQI$;#8W?](/,O+3X`4$L#!!0````(`+UZ#D?FUHH?GP$``+$#```9```` M>&PO=V]R:W-H965TQUW-;J!9AAWILWPU!.:%]=#^#)FU;&G6CO M_7!DS-4]:.'N<``3;EJT6OA@VHZYP8)H$D@KQK/L`]-"&EJ5R?=LJQ)'KZ2! M9TOCN1F@V/P^V#K+^T^@U02P,$%`````@` MO7H.1[3>@6*?`0``L0,``!D```!X;"]W;W)K&UL M?5-1;]L@$/XKB!]0')(T4^18:CI5V\.DJ@_;,['/-BIP+N"X^_<#'+ON9NT% MN..^[[X[CGQ`^^I:`$_>M3+N1%OONR-CKFQ!"W>''9AP4Z/5P@?3-LQU%D25 M0%HQGF7W3`MI:)$GW[,M+7&]UL+^/H/"X40W='*\R*;UT<&*G,VX M2FHP3J(A%NH3?=@:10F@H/21083M"H^@ M5"0*B=]NG!\I(W!YGMB?4K5!_44X>$3U2U:^#6(S2BJH1:_\"P[?X%;"/A*6 MJ%Q:2=D[CWJ"4*+%^[A+D_9AO-E.L'4`OP'X#/B2)>%CHB3SJ_"BR"T.Q(ZM M[41\P:[$Y['-VC42WF/,8PYKQ/L5@EVB6#WWQ+78@Y_)6&+GFJP31H=1TKL31K4A7>> MS@>>WN0CO,@[T<`/81MI'+F@#R^;^E\C>@A2LKL])6WX/[.AH/;Q>`AG.X[4 M:'CLI@\R_]+B#U!+`P04````"`"]>@Y'(/3%6Z$!``"Q`P``&0```'AL+W=O M67MLHP#C`%ZG?Q_`7L=MK5Z`&>:]>3,,^8#FS;8`CGPHJ>V1MLYU!\9L MV8+B]@8[T/ZF1J.X\Z9IF.T,\"J"E&19DGQCB@M-BSSZGDV18^^DT/!LB.V5 MXN;W"20.1YK2J^-%-*T+#E;D;,950H&V`C4Q4!_I77HX;4-$#'@5,-C%F03M M9\2W8#Q51YH$"2"A=(&!^^T"]R!E(/*)WR?.KY0!N#Q?V7_$:KWZ,[=PC_*7 MJ%SKQ2:45%#S7KH7'!YA*F$7"$N4-JZD[*U#=850HOC'N`L=]V&\V:43;!V0 M38!L!NR3*'Q,%&4^<,>+W.!`S-C:CH<73`^9;T09G+'N>.>%6N^]%.GM/F>7 M0#3%G,:8;!DS1S#//J?(UE*&UL?5/! M;MP@$/T5Q`<$F]UMHY774C95U1XJ13FT9]8>VRC`N(#7Z=\7L-=Q4[<78(9Y M;]X,0S&B?7$=@">O6AEWHIWW_9$Q5W6@A;O#'DRX:=!JX8-I6^9Z"Z).(*T8 MS[(/3`MI:%DDWY,M"QR\D@:>+'&#UL+^.H/"\41S>G,\R[;ST<'*@BVX6FHP M3J(A%IH3?4$;@^W]@_IVJ#^HMP\(CJAZQ]%\1FE-30B$'Y9QR_P%S"(1)6J%Q: M234XC_H&H42+UVF7)NWC='/(9M@V@,\`O@#N$X!-B9+,3\*+LK`X$CNUMA?Q M!?,C#XVHHC/5G>Z"4!>\US*_SPMVC41SS'F*X>N8)8(%]B4%WTIQYG_!^39\ MMZEPE^"[/Q3^@V"_2;!/!/O_EK@5LWN7A*UZJL&V:70@Y''.G'ZJ`!``"Q`P``&0```'AL+W=OPX[JMM1=@AGEOW@Q#-J!YM0V`(^]:M?9(&^>Z`V.V:$`+ M>X,=M/ZF0J.%\Z:IF>T,B#*"M&(\2?9,"]G2/(N^1Y-GV#LE6W@TQ/9:"_/W M!`J'(]W0J^-)UHT+#I9G;,:54D-K);;$0'6D=YO#*0T1,>!9PF`79Q*TGQ%? M@_&[/-(D2``%A0L,PF\7N`>E`I%/_#9Q?J0,P.7YROX0J_7JS\+"/:H76;K& MBTTH*:$2O7)/./R"J81=("Q0V;B2HK<.]15"B1;OXR[;N`_C#=]/L'4`GP!\ M!MPF4?B8*,K\*9S(,X,#,6-K.Q%><'/@OA%%<,:ZXYT7:KWWDF]NTXQ=`M$4 M?4[!UU*<^#%NG2!=)4@C0?K?$M=B]E^2 ML$5/-9@ZCHXE!?9M'-2%=Y[..Q[?Y",\SSI1PQ]A:ME:@Y'HY:( MPZ$!``"Q`P``&0```'AL+W=OX+C[]P/LN.YF[06XX[[OOCN. M?$#[ZEH`3]ZT,NY$6^^[(V.N;$$+=X<=F'!3H]7"!],VS'461)5`6C&>90], M"VEHD2??LRUR[+V2!IXM<;W6POX^@\+A1#?TYGB13>NC@Q4YFW&5U&"<1$,L MU"?ZN#F>=S$B!?R0,+C%F43M%\37:'RK3C2+$D!!Z2.#"-L5GD"I2!02_YHX MWU-&X/)\8_^2J@WJ+\+!$ZJ?LO)M$)M14D$M>N5?Z"4!>\UV)SV.?L&HFFF/,8PYU@EVJP2[1+#[;XEK,9_^2L(6/=5@FS0ZCI38FS2H"^\\G8\\O)%WHH'OPC;2.')!'UXV];]&]!"D9'?WE+3A_\R&@MK'XSZ<[3A2H^&QNWV0 M^9<6?P!02P,$%`````@`O7H.1S5]:C*>`0``L0,``!D```!X;"]W;W)K&UL?5/!;MP@$/T5Q`<$+[M)VY774C91E!PJ13FT9]8> MVRC`.(#7Z=\7L-=Q6K<78(9Y;]X,0SZ@?74M@"?O6AEWH*WWW9XQ5[:@A;O" M#DRXJ=%JX8-I&^8Z"Z)*(*T8S[(;IH4TM,B3[]D6.?9>20//EKA>:V%_'4'A M<*`;>G&\R*;UT<&*G,VX2FHP3J(A%NH#O=WLC[L8D0)^2!C MJ@/-H@104/K((,)VACM0*A*%Q&\3YT?*"%R>+^P/J=J@_B0AT:4T9GJ3G=!J`O><['YEN7L'(FFF.,8 MPY2<:^"YL(XTC)_3A95/_:T0/04IV=4U) M&_[/;"BH?3Q^"6<[CM1H>.PN'V3^I<5O4$L#!!0````(`+UZ#D<#;'A^H`$` M`+$#```9````>&PO=V]R:W-H965T6_>#$,^HGFQ M+8`CKUIU]DA;Y_H#8[9L00M[@SUT_J9&HX7SIFF8[0V(*H*T8CQ);ID6LJ-% M'GU/ILAQ<$IV\&2(';06YN\)%(Y'FM*KXUDVK0L.5N1LP5520V&4A8@8\$O":%=G$K2?$5^"\5@=:1(D@(+2!0;AMPO<@U*!R"?^,W.^I0S` M]?G*_B-6Z]6?A85[5+]EY5HO-J&D@EH,RCWC^`!S"?M`6**R<27E8!WJ*X02 M+5ZG779Q'Z>;VW2&;0/X#.`+X&L2A4^)HLSOPHDB-S@2,[6V%^$%TP/WC2B# M,]8=[[Q0Z[V7(OVVR]DE$,TQIRF&KV.6".;9EQ1\*\6)?X+S;?AN4^$NPG?O M%&;;!-DF018)LO^6N!6S_Y"$K7JJP31Q="PI<>CBH*Z\RW3>\?@F;^%%WHL& M?@K3R,Z2,SK_LK'_-:(#+R6YV5/2^O^S&`IJ%XY?_-E,(S49#OOK!UE^:?$/ M4$L#!!0````(`+UZ#D>6;9(XH`$``+$#```9````>&PO=V]R:W-H965TVF?6'MLHP+B` MU^G?%[#7<5JK+\`,<\Z<&89B1/OJ.@!/WK0R[D@[[_L#8Z[J0`MW@SV8<-.@ MU<('T[;,]19$G4!:,9YE=TP+:6A9)-^S+0L)%MYZ.#E05;<+748)Q$0RPT1_JX.YSR&)$"?D@8W>I,HO8SXFLTOM5'FD4) MH*#RD4&$[0)/H%0D"HE_S9SO*2-P?;ZR?TG5!O5GX>`)U4]9^RZ(S2BIH1&# M\B\X?H6YA-M(6*%R:275X#SJ*X02+=ZF79JTC]/-/I]AVP`^`_@">,B2\"E1 MDOE9>%$6%D=BI];V(K[@[L!#(ZKH3'6GNR#4!>^EW'VZ*]@E$LTQIRF&KV.6 M"!;8EQ1\*\6)_P/GV_#]IL)]@N\_*+S?)L@W"?)$D/^WQ*V8A[^2L%5/-=@V MC8XC%0XF#>K*NTSG(T]O\AY>%KUHX;NPK32.G-&'ETW];Q`]!"G9S2TE7?@_ MBZ&@\?%X'\YV&JG)\-A?/\CR2\L_4$L#!!0````(`+UZ#D?)9H%MH0$``+$# M```9````>&PO=V]R:W-H965T0/""R[ M2;,KKZ5LJBH]5(IR:,^L/;91@'$!K]._#V"O8R56+\`,\]Z\&89\0/OJ6@!/ MWK0R[IBUWG<'2EW9@A;N!CLPX:9&JX4/IFVHZRR(*H&THIRQ.ZJ%-%F1)]^S M+7+LO9(&GBUQO=;"_CN!PN&8;;*KXT4VK8\.6N1TQE52@W$2#;%0'[.'S>&T MBQ$IX+>$P2W.)&H_([Y&XV=US%B4``I*'QE$V"[P"$I%HI#X[\3YD3("E^4?V1E6^#6):1"FK1*_^"PQ-,)=Q&PA*52RLI>^=17R$9T>)M MW*5)^S#>\/T$6P?P"9WX4616QR('5O;B?B"FP,/C2BC,]6= M[H)0%[R78K/?Y_02B::8TQC#ES%S!`WLB@5_" M-M(X@Y'>7LR<:T!```6!```&0```'AL+W=OP)(/)0=S2GIKQR.EINY!0.)^20W(KO(FN MM[Y`JY)NO$8H&(S`@6AH3\GSX7@N/"(`?@J8S6Y.?/8+XKM??&].2>HC@(3: M>@7NABN\@)1>R!G_7C4_+3UQ/[^I?PW=NO07;N`%Y2_1V-Z%31/20,LG:=]P M_@9K"R%AC=*$7U)/QJ*Z41*B^,CETX[*I:RD5R^T8LX+ANTPAPU!G?IF MP6(69_8?G<7I631A%NC9WOTIBPOD48$\".3_M)C=M1C#Y'&3(FI21`2*.Y,8 MYO'.A.X.3H'NPOTTI,9I"*]A5]V>P#,+!_\)K\J1=_"#ZTX,AES0NNL3#KE% MM."BI`\N2^\>Z;:0T%H_?7)SO=S;96%QO+W"[:^@^@M02P,$%`````@`O7H. M1RQD^RS(`0``X`0``!D```!X;"]W;W)K&UL=51; M;Z0@%/XKQ!]0E+G8G3@FG6Z:]F&3I@_=9T:/EY2+!1R[_[Z`CG4M?1$X?)=S MD$,V2/6F&P"#/C@3^A@UQG0'C'71`*?Z1G8@[$XE%:?&+E6-=:>`EI[$&29Q MO,>\-:`<\*Z9YSJOZ=@,GA&"71-?#2UHUQ`9QG>.:5+0>A M6RF0@NH8W26'4^H0'O#:PJ`7<^1R/TOYYA9/Y3&*70K`H#!.@=KA`O?`F!.R MQN^3YI>E(R[G5_4'7ZW-_DPUW$OVMRU-8Y.-(U1"17MF7N3P"%,).R=82*;] M%Q6]-I)?*1'B]&,<6^''8=RYC2=:F$`F`ED1\&CDT_Q-#DQJ/MJ/N# MR8'8@RA+LJ,83YP607--E]%TCBE4D(\\-)[H,F^X`` M69F$,)NP21HT20,"VY5)"+-;F>#%%>2@:M]I&A6R%[ZO%]&YF>^(O\)?\#SK M:`U_J*I;H=%9&ML(_KI64AJPJ<0W]E0;^]S,"P:5<=/4SM78@>/"R.[ZGLR/ M6OX)4$L#!!0````(`+UZ#D>SATNR\`$``!,&```9````>&PO=V]R:W-H965T M0/6&RMV M2J4EMVZI*VHZ#?P22%)0%L<;*GG31GD68J\ZS]35BJ:%5TW,54JN_YQ`J/X8 M)=$]\-94M?4!FF=TXET:":UI5$LTE,?H.3F:953_1PMQWW3Y@2]2XZ"UGR2:C-R\T8DX# MALTPR82@3GVR8)C%B?U'9S@]13-,`SV=N^\>"*Q0@5406/USQ.WBB!AFAYNL M49,U(K!?F"`8%N,F&]1D@P@D"Q,,\^"ZMJC)%A%(%R889H6;[%"3'2*P7IA@ MF`UNLD=-]HC`\N$QS(.']]6-55",2"R?'@.ER[>GLZ*5H*O0FPPIU+4-K7`6 MG?K?,PM%_PG/LXY7\(/KJFD-.2OK6D%@-+ZZ=;- M]="SAH55W;T%3]^!_"]02P,$%`````@`O7H.1[R>^"^B`0``L0,``!D```!X M;"]W;W)K&UL;5/!;N,@$/T5Y`\H#DYVH\BQU+1: M[1Y6JGIHS\0>VZC`N(#C]N\+V'&\75^`&>:]>3,,^8#FS;8`CGPHJ>TQ:9WK M#I3:L@7%[1UVH/U-C49QYTW34-L9X%4$*4E9FOZ@B@N=%'GT/9DBQ]Y)H>') M$-LKQ0,A#YQ.\3YRUE`"[/5_9?L5JO_LPM M/*!\%95KO=@T(174O)?N&8??,)6P"X0E2AM74O;6H;I"$J+XQ[@+'?=AO,GV M$VP=P"8`FP'[-`H?$T69C]SQ(CL.]YYH=9[+P7+ M-CF]!*(IYC3&L$7,+8)Z]CD%6TMQ8O_!V3H\6U6817BVS+[?K1-L5PFVD6#[ M3XGL6XEK,=FW)'314P6FB:-C28F]CH.Z\,[3><_BF]S"B[SC#?SEIA':DC,Z M_[*Q_S6B`R\EO=LEI/7_9S8DU"X@Y'GY5'\Z,!``"Q`P``&0```'AL+W=ON.E-JR!<7M'7:@_4V-1G'G3=-0VQG@ M500I25F:[JGB0B=%'GTOILBQ=U)H>#'$]DIQ\^<,$H=3LDENCE?1M"XX:)'3 M&5<)!=H*U,1`?4H>-L=S%B)BP)N`P2[.)&B_('X$XZDZ)6F0`!)*%QBXWZ[P M"%(&(I_X]\3YE3(`E^<;^\]8K5=_X18>4;Z+RK5>;)J0"FK>2_>*PR^82M@% MPA*EC2LI>^M0W2`)4?QSW(6.^S#>W.\GV#J`30`V`PYI%#XFBC)_<,>+W.!` MS-C:CH<7W!R9;T09G+'N>.>%6N^]%FR;Y?0:B*:8\QC#%C&;.8)Z]CD%6TMQ M9O_!V3I\NZIP&^';9?;#89T@6R7((D'V3XF[;R6NQ>R_):&+GBHP31P=2TKL M=1S4A7>>S@<6W^0KO,@[WL`S-XW0EES0^9>-_:\1'7@IZ=TN(:W_/[,AH7;A M>._/9ARIT7#8W3[(_$N+OU!+`P04````"`"]>@Y'.7`*P*0!``"Q`P``&0`` M`'AL+W=O."@^49FW&EU-!:B2TQ4!WHW69_3$-$#'B6 M,-C%F03M)\378/PN#S0)$D!!X0*#\-L9[D&I0.03OTV<7RD#<'F^L#_$:KWZ MD[!PC^I%EJ[Q8A-*2JA$K]P3#K]@*N$Z$!:H;%Q)T5N'^@*A1(OW<9=MW(?Q M)MU-L'4`GP!\!MPF4?B8*,K\*9S(,X,#,6-K.Q%><+/GOA%%<,:ZXYT7:KWW MG//M3<;.@6B*.8XQ?!&SF2.89Y]3\+441_X/G*_#MZL*MQ&^76;?_2=_NDJ0 M1H+TKQ)OOY6X%K/[EH0M>JK!U'%T+"FP;^.@+KSS=-[Q^"9?X7G6B1K^"%/+ MUI(3.O^RL?\5H@,O);FZIJ3Q_VP0``!D```!X;"]W;W)K&UL=53=;J0@%'X5X@,491R[.W%,.FV:[L4F32]VKQD]*BF(!1R[;[^` MCK66W@@D/&.NR!4'UC>RALSNU5((:NU0- MUKT"6GF2X)C$<88%95U4Y#[VK(I<#H:S#IX5TH,05/T[`9?C,4JB:^"%-:UQ M`5SD>.%53$"GF>R0@OH8W26'4^80'O"'P:A7<^1R/TOYZA:_JF,4NQ2`0VF< M`K7#!>Z!R=82J[]%Y6#-E)<*1$2]'T:6>?'<=KY$<^T,(',!+(AX,G(I_E`#2UR M)4>DIJ/MJ?N#R8'8@RA=T-?M]VRBVD8O!4GC'%^@Y'FISN2:8!``"Q`P``&0```'AL+W=ODD<5%SHIBYA[-F6!@Y-"P[,A=E"*F_<32!R/299<$R^B M[5Q(T+*@"Z\6"K05J(F!YIC<9X=3'A`1\%O`:%=K$KR?$5]#\+,^)FFP`!(J M%Q2XGR[P`%(&(5_X[ZSY63(0U^NK^F/LUKL_;)J0&AH^2/>" MXQ/,+=P&P0JEC2.I!NM072D)4?QMFH6.\SCMW&4S;9O`9@);"&PR/A6*-G]P MQ\O"X$C,=+0]#S>8'9@_B"HD8]]QSQNU/GLI6;XOZ"4(S9C3A&$K3+8@J%=? M2K"M$B?V'YWEW[8%=IL>=U%@MZZ_WVT+Y)L">13(OSCX_D^3$^8V8O1FDW1U MI@I,&Y^.)14..C[4579YG? M0^?_SQ)(:%Q8[OW:3$]J"ASVUP^R_-+R`U!+`P04````"`"]>@Y'=X#1(.$! M```9!0``&0```'AL+W=OGW/FS&`[F[AX ME2V`0N^,]O+DM4H-1]^790N,R`<^0*]W:BX847HI&E\.`DAE28SZ.`A2GY&N M]_+,QIY%GO%1T:Z'9X'DR!@1?\Y`^73R0N\6>.F:5IF`GV?^RJLZ!KWL>(\$ MU"?O,3P6J4%8P*\.)KF9(^/]POFK6?RH3EY@+`"%4AD%HHTI#W,YOZM]LM=K]A4@H./W=5:K59@,/55"3D:H7/GV'I83$"):<2OM%Y2@5 M9S>*AQAYG\>NM^,T[Z2'A>8FX(6`5T+X];^$:"%$=T)L*YV=V;J>B")Y)OB$ MQ/PO!F)^>7B,=.=*$[2-LGNZ,JFCUQPG0>9?C="".<\8O,&$*\+7ZFL*[$IQ MQI_H^&."PH%(W!DB9Q&1Y4=;@X?4+1`[!6(K$'\P$.ZZ,&,.%M//27"\`Q6? M07'XY1_=2IQ6$H>57;_.+DRT<^+"Q&XCJ=-(ZA!(=D9T4E M*OG8VP=A$UU?@4=LC_(=GF<#:>`G$4W72W3A2E$>VQKSA5H*\&#+KC5[]2Z MH%`K,SWHN9BO[KQ0?+@]1.MKF/\%4$L#!!0````(`+UZ#D=9,O/=4P,``,T/ M```9````>&PO=V]R:W-H965TVBTF@6[9I)G`0-X!3(9/KV-3])@WT\HIL$R+G7Q^;P!2\OLGYM MCD*TSGM95,UJ<6S;TZ/K-MNC*+/F09Y$I7[9R[K,6G5:']SF5(MLUQ>5A4N> MQ]TRRZO%>ME?>ZK72WENB[P23[73G,LRJ_]L1"$OJP5;7"\\YX=CVUUPUTOW M5K?+2U$UN:R<6NQ7B\_L,?6]3M(K?N;BTMP=.YWY%RE?NY/ON]7"ZSR(0FS; MKD6FOMY$*HJBZZ1&_CTV_3=F5WA_?.W^M9^NLO^2-2*5Q:]\UQZ56V_A[,0^ M.Q?ML[Q\$^,M:S1J-H.&[C5310H4X4WB*@,W%P1=4%_O3^ICW,"'#?R^03!ID&C3 MKZEZC4\1][2I`%7@$<=F`F@F,,WHPVP&37@W#$6:X=34^)%E54)H)`1& MF&8D-`;Y1$Q+0(I$%&$K'%KAP(J6H@TWYTLQZ5D#JH!%%C,1-!,!,SYN$,,& M\?R$K!!,B.OB1D1\@+M_J5(Q6W+T1$-0<";D=A1=#^23HH4:.[Z3*U8>,1F M9'843?+(HE`W@U0)6>Q@,#&:D=M1-+D':B!?]P-D%`864#(,.@9(QP-+"XPG M%LQ/+\-@88`L1GZ920W&HT!?%:"*?=NB8+@P1!]F&RQ@)]AL#!$ M%OV)'4637":683!^6#PGE;$Q7\9C_>]N5&G+;WM(,,P8H!FW_?]C`I$W/Y.$ MR4&`'$8FR61"XGDZ.9`JB"Q/&5E>:1`Y]$R2B03FQ[H;P(W00E7"U"!$#9VJ MHVB2RT#_]T4BV]L18?X0>C_2TTOFRT_"//U10BJ>V'*#64;H+[?Q.F4'\2.K#WG5."^R57NX?J>UE[(5JJ'WH&[2 M4>VM;R>%V+?=8:2.ZV&W.9RT\G3=/-]V\.N_4$L#!!0````(`+UZ#D>B9&&PO=V]R:W-H965TU%I=5>M-=LXB1H`:?@;+9O7QM(FN#?%7L3P)F39^;S M87%6[6MWD%('[W75=,OPH/7Q(8JZS4'61?=)'65C_MFIMBZT^6SW47=L9;'M ME>HJ8H2D45V43;A:]&-/[6JA3KHJ&_G4!MVIKHOVSZ.LU'D9TO`R\%SN#]H. M1*M%=-7;EK5LNE(U02MWR_`S?5AS;D5ZB9^E/'YU0<3+0F# MK=P5ITH_J_,W.`:!8-1L%Z?W^GGV`"'!GAO(/88 M&*8QR(A>INEE.!,IP6YBZ"9VXTP9-I!``XD;9SI)YN,@D]S%F;%IRA-W-C$5 M`@>3PF!2$(RG;`(:$//+ED$#&8@@FZ0C<]*1<8^3'#K)@9-I;^1NS@7)L!>[ M+""2B.M'D"E*Q''$XB3U./(@2X$C.G5$74>$>'J58BHIFT'5*'3K*"?$TT84 MTTOY?*XH)I/&,UII%+KKI9AZ_&"`*2+8R0E`6'!?E3&<%-#IME,*VLFW"%`, M,15SVDF`=HI]CC#L%-$^7?RHBWM."9WN-T`JS7V\XF6!HG6!>W8MC#PC\Q=` MAF%F`&:',09@-NGW="[S[+%@D_5!QC"G#&RS3@5'H;M@:<[XI(1(C"6Q[]B` MJ6>(^MAC`@/-D@_4$*/*`*IN#5U4:2I\L6)4&=APO27$$+(Y$#(7+YIF9%I! M()5Q7S@80H8@]"R4'$/(/P`AQQ#R.1!R%\+8R%:R3DG`^BFVO$L=C+'T6[+YLN>%':W$CZ>\-.*2V-0?+)9.9@;HK7CTKN MM'T5YKT=[D[#AU;'RU7P>A]=_0502P,$%`````@`O7H.1R]!&YM8`@``VP<` M`!D```!X;"]W;W)K&ULC55=DYHP%/TK#.^[0/B( M.LC,HG;:A\[L[$/['#$*LT!H$F7[[YL/1`Q9MR\FN9QS1XK2MP@]DPZW(HO1T(;Q,62GCS648P.BM34'O#]Q&M0U;I9 MJF*O-$O)F==5BU^IP\Y-@^C?'->D7[N!>PV\5:>2RX"7I=[(.U0-;EE%6H?B MX]I]"58[*!$*\*O"/9O,'9G[GI!WN?AQ6+N^3`'7N.!2`8GA@C>XKJ60V/C/ MH'G;4A*G\ZOZ-^569+]'#&](_;LZ\%(DZ[O.`1_1N>9OI/^.!PNQ%"Q(S=2O M4YP9)\V5XCH-^M!CU:JQUU\2.-#L!#`0P$@8][$3PH$0W@C10T(T$*+_W2$> M"+&Q@Z>]J\IM$4=92DGO4'W:'9*7*EC%XFP*&51'H;Z)VC$1O60`@M2[2*$! MDVL,F&!@>`_9SB'!B/!$`F,6P)9%#F9T(X?-'`$C(X[2#*W%"A4_ MG+J$2[M`9!6(E$!T5VVCE+G&0(5I-29(C&K,,4^!;Y1CCED:6^TL,B#YI"*Q MU5!L,62<2ZXQ\=TNRX7A:`X*8O.268062\/2'`/A)U).GJ\'TI)H&&PO=V]R:W-H965T'URWV1QDF36? MU%%6W9V=JLNL[2[KO=L<:YEMAZ"R<-GS0K?,\FJQ7@YC3_5ZJ4YMD5?RJ7:: M4UEF]9]'6:CS:D&+R\!SOC^T_8"[7KK7N&U>RJK)5>74=BO99G;_)J8:@3[A113/\.IM3TZKR M$K)PRNQ]/.;5<#R/=V)O"L,!/`7P-8#\#P/$%""T`'=D-M3U)6NS];)69Z<> M7\8QZ]\Y/8CNR6WZP>%!#?>ZRIIN]&W-4;1TW_I$$^9QQ/`<!"&I?0 MG";4WF!J8CH[PD0B2"0"1+2U_!B91"*.]75BHMBCR$(FAF1B0$9H9&)S&M+D MF0*,;:DDD$AB$@D%3M!;(G(1[WX!D\6(Z`X)3Z!YK0$'^HI%J'"FP5LZV)&( M[Y#Q!)I/)(1.QL2P99D0]C8"YF9(>0+-IXECUDT%H,@+0LMJ(6QP!!S.D#.9 M_D6^T38`*"(+&6QSA'Q.ES0!#_,]_76F"!:R;^EDA+V.D-GILB;@=E&@TPF- M7D2)[>E@OR-@>*&EFQ%V*8K_0]K87P@83&1)P=A@V/M0CKLC9=,6;.5@5V#D"KK`&.C=7@Z6.R.YZR['II)MY6`= M,]!Q:-M#8N5Q>/]*9:P7!GHQFA"#WL^)OD$`*/(36T58>PRV"$838K/_4ZB3 M,3$6SVO\1YH9$L*?[/4!Q&%E6C,#>(Y#WZ-UG`LU-SFC-`&-L*MW91^8QV\L? M6;W/J\9Y46WWO3I\5>Z4:F67S_O4E760V?9Z4[O&PO=V]R:W-H M965TXTWK8(Z3J#CA1 M#V*`WJRT0G*B32C/2`T22.-(G"&<)%O$">WCJG2Y5UF5XJ(9[>%51NK".9'_ MGH")\1"G\2WQ1L^=M@E4E6CF-91#KZCH(PGM(?Z1[H^Y13C`.X51+>:1]7X2 MXL,&+\TA3JP%8%!KJT#,<(4C,&:%S,9_)\W_6UKBY/1,%1L#^T MT9TQF\11`RVY,/TFQF>82MA8P5HPY;Y1?5%:\!LECCCY]"/MW3CZE6TVT<($ M/!'P3,"[;PG91,A6!.2=N;I^$DVJ4HHQDKX7`[$M3_>9.;G:)MU!N353F3+9 M:X4?\Q)=K="$>?(8?(?9W&..(1W M#HI5)1Y3.$SO,;A(\:J6`"K9;=.PF3QH)@^8>5R9\9C-8IML[20`*58VT*+3 M`SG#;R+/M%?126AS:5QK6R$T&+GDP2AUYBW/`8-6VVEAYM)?;Q]H,=P>Z_S' MJ+X`4$L#!!0````(`+UZ#D>Y.9@Y/P4``-T>```9````>&PO=V]R:W-H965T M-U'J[)1;GLOI1[XUI9K^*_%@_S/=-<[H/ M@OIY;XJL_E*>S+']STM9%5G3_JQ>@_I4F6S7&Q5YP,,P"HKL<)PO%_VU;]5R M4;XU^>%HOE6S^JTHLNK?1Y.7YXS>>IO?//P>GO>W:&X^\?WC?]X[;A/V6U697Y/X==LV^C#>>SG7G)WO+F>WG^ M:H9G4)W#YS*O^[^SY[>Z*8L/D_FLR'Y=/@_'_O-\^8^.!C-LP`<#?C5@\E,# M,1@(7P,Y&$A?`S48*%^#:#"(?`WT8*")07`9W7YNTJS)EHNJ/,^J2T*=LBYO MV;UN9_^YN]A/=O^_=G;J]NK[DL?)(GCO'`W,XX7A8V9*K`"1A%,F!8R:(FL; MT7**;-"=V)39(N9WQ$$['M=!X7!0>.]`3!P([$!`!Z)W("<.R),\7AC=,\>> MN>,L)E0**17C8"0,1H)@R,@_7A@UN@W3.E8D$U*`Q3Q4(0Y'P7"4%8Z.L'T$ M[2/_R='0@0;C$9'QT.!!0R$)EB),*N4()X;AQ"`<3<*)K?OQTW:5@+3EBLA&"GV-DONB"L`72P05!D3%5&&VB-)NT'T&%8]AF2/KJP!&C^P:.?<&A>` M<2V9(R"L?`Q)'TUH9HO:G91D!:X@1:M3"BE!ZM,:48)9E0Y07))QVD)*N1(: M*S*S)9DGB<,%%F5V@RHS+,O,1Y<94-Q$6\D#J$B[<@?+,D.Z;.4.T%QNI0Y4 M;QHR\D25T,?3!D*0XF24-HCB5):VT)=P MM!D<%PIN%PH1.I8GQ]+.Y0VI@V6/(]FS4D=9CZN45>Y3A$61=N@PQR+*(Y_D MB>SQ5U0I5I"R^B](2;HK0Y2D'=\&4H*6*TRYY@T7"FX7"A&Z]G=8W'E\0_9@ M^>.H6;:RQ^YP61@Q.@TVE4B'D@JLI`+UI-:.T^XU[ZA6K!!D;4J1(R)-:PB1 M/-UXW&T+'3G40N`J(>PJ,=X_35U@91>W'`HX3@5\^F.!&E^EZ5B:HV)T^5L MOKJYOSV\]W%]?]M_V2[FJ^[C>K+YLES.UO_^U"WZM[L;N3F]\I]5\.X]WU_]-L MTSWTB[_F3]N777?-S>2I>YY]66S_Z-]^[89!A'V#C_UB<_@Y>?RRV?;+TR,W MD^7LV_'W?'7X_7;\3S;#8_@!.SQ@WQ\0?_4!-SS@J@>FQYX=QO7S;#N[OUWW M;Y/U<39>9_M)EP]N%[G'_9N'0!W^MQO99O?NUWMG\NWTZ[ZA`?/3$6//,/82 M\0`0X1TRW77@O1<6]L(>GG?GSQ>'&W"P`7=HP%\,HU3#.&+2`;,Z8"3YG*O1 M/@!8EF@2[HZ'W?&Z.V*J[APQX>QS@@]U9S3(%A]Q5P+L2E!=$8E55X+Z%,G& M^0KV@&`^!#)1$78G@L@(;B#!!M+XI9)A`WG$W&0=]E33XD&#Q`N9FP*[4D!7 M+&Y@GXL0?]T!*-H=B[EL#8@.DU',92OCI]D2*48,9`/!#+1`C5EB MM)B!UC<,!+/&(M:P@6#66*169"-@,6ML@UY9S!H[AC5V%&L0BB]3S!J+5"OC M)AQ>Z:Y!M1Q>Z0ZHEM[Q:4':[3:RJZ*"8-86LBUQF#?N.F^&#EGU2=[4VRP$ M"F2.'-D.:P;JS#:`+J,318=S&>'%)6(A\-\=J%AT6`^.\1G-4=1 M;_YB320`$MH9G!DR)\E MJ\SCI.`;Y,]C&OLQ-/::H;F.!\#80-3<8Q9[H*.6!94<1!MTU&/>>:"C*M-Z M<#8LKDXE"!4CFV/,83^&PU[3TYNZ,X#"A'X>,]AK!NLL.X`N(Y-49``J)A89 MG`T\V"=8-M`J1G&4',`G4^]4W,/ MJ$EZ@ID9D+:RLAEF4VC0UH#9%("VJLP9D+;:NK0"49Y5WC`SXQAF1DV[4$\/ MP#@2W(BY&34W=>:,>EL>K=J\0U0B6\N(>1Z!Z%MRSHN8Y[&AZA0QB>.8JE/4 M]21;'R`BJ!JS^<')(`+-MR3]1E+H;:@X1.4EU0@*HW8:/\"]A_J4QMS9)[Z9#L*7.U@@68R([ MH839G("T.W9O0RYN&BIA"3,UC:F$)7`OXY**BD:E3,Y6"9,^`7EWI(F,29\; M"F$9$SJ/N;[)6B23U&<0``KLVC/CU)"!D#HV'IP:8:%3Q1$(RN8.]3N3+ M)C#[\IC+FXRN9?2`-(H.J&`B%Z#>CAS`"B9R:2A>%4R_TG!W4S#]"E!FMKDO MF'ZEH>94,&=*P]U-P9PI2+$(FE8Z(68!)#,D-V-&&83:/$) M&&(4,&/N7$ZHBP.^Q%!ODR#.1.8F$4,,`V9,P?:$.L_CA=7&Q!!C@1ESJW)" M7=Z7A%0?TDZXT>,G5@4#Q,ZQ:WE##`:FH?BS2Z"DD3'EGQ,JC9L)8D4P0,U8 MQA9#S`BFH<(CAE@(S/7[D\J`0]@I0#W8!9M0&T^#?@BSWT#_#1T.X8D`#?', MU\0L.-*@(L*,,\@YHS/6@+K8)4CP-6$!S!LF\L*,.'*=)54C9/T#+P[(1`*V M33$QU(AM40EBJ1'HJ:'#(>O?HOQ/=JE";#5B6_(_,<,( M#5`=G*Z?U@ MS.H*68!9)R3F/Q)BUA'DUO'D="#$9".NQ6E*C#$"G3%Z'G39GU6KA/AGQ`$Q M]#1PA+ZNQ4A*G"^"K"]@A2+YHG-$2.Z0+-$%3$CN6F2)V%L$^5N`J5@3+JJC MD]?7`)$%AEAEQ`.!8RXS(689\2T"1UPN@FPN.H5Z<*R*)JK=#,*E3'X<`38<$`2!0X;%Y.OJ]\0EX5=\0GQX@@RXP1V<"$N M&O$-918AWA=!YAI923L'1J"OS17*&!QN#P%(V\=)(:"G;$!^,(",, M_P8"87H`@DEK%<0+(Z%%,(G519#71<]TT((9(MN_$TN,!*"8@39".!):%)/X M60096G2.#%HQ8[:*_`"6Z(6@$'^,A!&,>SBAB!.O^B1")>"C`:DO@#TV&KQV MTJ3$OTU#B(F\-,S=*<0$([&E8D.L*X*\*WH:!E0:,PW$X2(1Z'1@AR[B<9'8 M4M8A[A1!]A2:T8@_12+2+K:+(@X5B2W:1?PG@@PH:CC3LV_TOLX^=[_/UI_G MJ\WD4[_=]LN[_5=XG_M^V^U:-#_LXO/2S9[>7RRZY^W^S[T78'W\&O/QQ;9_ MO1N^EOW^W?#[_P!02P,$%`````@`O7H.1\K'(I`'`P``RP\``!D```!X;"]W M;W)K&ULE5?1DIHP%/T5A@]82&Y`W%%GNG8Z[4-G M=O:A?4:-RBP0"W'=_GT#J%4X<9ZS@F9G53U7N^EU-YGD9?UW-]K M?7@.@GJ]ET5:/ZF#+,V3K:J*5)MAM0OJ0R7339M4Y`$/PS@HTJST%[-V[K5: MS-11YUDI7RNO/A9%6OU]D;DZS7WF7R;>LMU>-Q/!8A9<\S99(W< M_\*>ET(T(6W$KTR>ZIM[KRE^I=1[,_BQF?MA4X/,Y5HW$*FY?,BES/,&R;SY MSQGT_SN;Q-O["_JW=KFF_%5:RZ7*?V<;O3?5AKZWD=OTF.LW=?HNSVN(&L"U MRNOVUUL?:ZV*2XKO%>EG=\W*]GKJGB3A.0TG\',"OR8P\3"!S@G42PBZRMIU M?4UUNIA5ZN15W9]Q2)O_G#V3Z=RZF6P;U3XS*ZO-[,>"HF06?#1`YYB7+H;? MQ/#[B"6(B*XA@2G@6@6'5?`VGV[SIX0!"`)0"R#NEC'M+:.+F;0Q91O#DJB_ M$A`4LA"7(F`I8EA*;`&(($`T!&`)!H@A0#R^FQ,(,!G1S#B^K1QKB@--D;!`6/8--XQX"$YT[^#W'1.>`Z,+B M^(3920Z.3YB=]-CQ[R$P.\G!JLGR3038*2Q639B=YA-E)8ZR:AE8=4\]X M4(S%=PBSG!SLG##+";'N0[N3/M-IE9>VME#8GN/:%R=+Z>WQ?_`%!+`P04````"`"]>@Y' MEL[%RGH$``#L&@``&0```'AL+W=OU6;1O554T_WYV M97UZ7(KEQXEO^]==-YQ(UJODTFZ[K]RAW=>'1>->'I>_B8_%D/QS77\?#O[R^U:<_W-2',<--7;;CYV+SUG9U M]=%DN:B*G^?O_6'\/IW_R=*I&6X@IP;RTD#HNPW4U$#-&B3GS,9^_5YTQ7K5 MU*=%<[X9QV*XY^)!]97;#"?'0HW_]3UK^[/O:T5BE;P/@2;-Y[-&7FGDK>() M*,Q%DO0)7+*0,`LYME?7[7.%`R@80(T!]%4`(6C6C;/&CIK#J-%6Y7K6%:#* MA$QQ,AHFH[UD%$DCAP&R`/*D7L=%=J:635\D3*&<"K#[(&`2T$YF'H*AED17A"!@1,R MH"23Z)J%/$WGZ`.19G`1&%[ATZN(F3\$1D[HB))@Z(2Y6Y+;$!@[X7.G5,:$ MP+`(&]$1C(O(0NYMYMTV)8VE^=T%LI0,EQ#&3_C\*6(J*S$U,@TOB\342!%0 MEDET0WBJ]7R1`#))6N=,0LRBYS.HR#(A,#E2190%DR/]U0J418/94=IY57P5 M/SU*3*'T*53$("0QA9(BBH(IE/Z:!8IB/39L.E\Q@(@TUQ_,L_1Y5L0--4R@ MS",,%B90^>L6.STJ3*#R"52:,48*,Z-BG")C%8.\HF\#A3">5P1F,57,RJ4P M?PJX18VITA-O3F!I]W^W=AL#4:.#1+)<%\U@4X=$T'NDZPJ-I M/-(U\&B:"X%'IX[P:!J/3AWBT;1OOBA3\RZ MB7!H!H]T$^+0C&^]B.2\*)/JIBA:,K?98&H,\&>6F<<,IL9$^#.#J3$A_LP` M?\9ERFPY`-]EN7IALDR$[S*8+!/BNXQOJ40^]UU`)'-N$P8S:H#OLHP_-Y@K M$^&["'-%$;Z+,%<$?)=AZ";,`D7X+L(L4(CO(M]142;G-Q>HK!5-0A30Q&^BS`U%+)? M-XEN=B:8RUA,E@7>+&.'=O%<=UU=C2\B7NJZ*[>6@="_=\'.X M4G-^&7,^Z.KCQ[NERPNN]7]02P,$%`````@`O7H.1Z7#H:U4!0``GB```!D` M``!X;"]W;W)K&ULE9K;4/:-`52#FN MBCW5U?,P55W],/-,;/E2#<8#..[Y^P%,'%MG'[?R$M^VQ);$7HA#9N>J_MGL MG&LGO\KBT#Q/=VU[?(JB9K5S9=Y\J8[NT/VRJ>HR;[N/]39JCK7+UT.CLHAD M'-NHS/>'Z7PV?/>]GL^J4UOL#^Y[/6E.99G7_RU<49V?IV+Z_L6/_7;7]E]$ M\UET;;?>E^[0[*O#I':;Y^F+>%K:K)<,BK_W[MS7-+5Q1]3]V1_QT[_3AFW_#V_7OO7X?A=O9?\\8MJ^*?_;K= M=6[CZ63M-OFI:']4YV]N'(/I.UQ513/\G:Q.35N5[TVFDS+_=7G='X;7\^67 M-!Z;X09R;""O#:['P0W4V$!]-+##2"_.AG']D;?Y?%97YTE]68QCWJ^Y>%+= MS*WZ+X>)&G[K1M9TW[[-52IGT5O?T:A97#3R1B/N%4NJ4*FZ:J+.P=6&1#86 MDG3@F5@"A<%'4'"@:FBO[BQJW(&&'>BA`WW7@?%FZJ))!LUAT.@T]09"-29A MYLI`(X:,1`B+.["P`PM&8KV17#3FQJ6RRE]V*M)Q(K&5!%I)@)7$LY*$6*$B MWDH*K:0!ZYO2HY#UI1IV?3-H)`-&O(,L,C`G5GE.J$@+P82F9QW"0PS,9#X? M8G(@7[,$&F&9LU8PJ!+4BTB9+B!F7H0,IX#`'!$J(#VCZ&Y]"#.IACM/!":2 M0$CRTS.*'ENA&M8*9I(P`>D917=6?,P##6L%TTT@O/GY&47)PUFA>$NX,HE!H64`2D?1;>#]21+(.&61F+>2,0;/^22LH0XH1+6"<:-#-D!28`;WPF5 M".:,EY@V$M'&C_@H2A[-"84-.R<8-A+!QD^XI"#AQHLY(I/PA$L,"1FRO1E% MR:/%H]L;=O$P:R1@C62Z4)@1*@X/N,*,4&`S00(^BO#)?'\4C!&%,.*'5U%& M<$=A;FT0(ORU56!+PAP%QU^A^/NA4_3NACL*CK9"TJ[:MRN'1 M\::J6M=9B;]TD[YS^?KZH7";MG^;=._KR^/SRX>V.K[_-\#U7Q+F_P-02P,$ M%`````@`O7H.1ZG)JO*8!P``>S$``!D```!X;"]W;W)K&ULE9M+<^)&%(7_"L7>@_HMN3!5@U`J6:1J*HMDK;%EFQI`#LCCR;\/ M`HS1N:>1O+&-?/JH;TO]W7XQ?:NW/W;/5=6,?JU7F]W=^+EI7FXGD]W]<[4N M=U_JEVJS_\]CO5V7S?[C]FFR>]E6Y<.AT'HUT4GB)^MRN1G/IH=KW[:S:?W: MK):;ZMMVM'M=K\OM?_-J5;_=C=7X_<)?RZ?GIKTPF4TGYW(/RW6UV2WKS6A; M/=Z-OZK;(C6MY*#X>UF][2[^'K65_U[7/]H/?SS5 M5ZM5Z[2_\[\GTX][M@4O_WYW_^T0[K[ZW\M=E=>K?Y8/S?.^MLEX]%`]EJ^K MYJ_Z[??J%(-K#>_KU>[P1G:W32S(\:?:$)IBM92,F'R61? M@7,M-*O%7(OBNGN#7"J"A3KTFA1733K5-+2QS*&\Z326Y@:6&MB#@>T88%,> M->&@V1S#4"[E=W'T+H[U,/!N^5)M"E6 MUHO*=D2=J@1:E2"J$CPOG]+RZ?`GGU&#K/_)SS,9IG;8$3+18"K5T*H+XG3Y M#AV?KQ2IH".MVL*6T2,A87G$1R)N=*,2>-MRILI2Q`RU"A`85641(*D(%Q6) M+&!DBG01C$N)RKB`84F--QB4U*2QD"ADORK=SX7\).J\%2[!^DJ1H`?11/&A M.&Z5&0"0D^@Z0?*3JA-69I`S1"6]BCZO;F@\$2B9"706@;SBE%=N.),4![1B MA$8J*4E?B[DW)R)M,VQ>XF04MBYQ<"S68%D=&IYKE` MLR$_DD'+`;W"1NF5+(@$N4`D)A(.STN:Y27$@I:)X@;3$M,@OIG&8417?;HA M\9RD64X24)!)0@LF2`V^VXL!/L5UGVY(/!UIDHZBJ.3\U]EP(!A.6\-HBT`P M$G]*80XA(BUH2YUPG8&)C(N$Q6EKV/P#QS!&S@EN/$9%--BGF08',-0G\K0- MQ[]A$Q"DE)'S!BUB8I,4C(G,/SS&1#2Q!:'(BA!+1T@J(R<,-PX'94RD$LQ( M3.5Q#,-$)H(KPW.283D)<742=::!*88E-0J?YV*`4=%CU`V*9TE#LF02F4,; MGIF,_P2P>"8P+!,(8$DZ.[$41$36X*2+.5G,;]0I]L;P;Y$0`*Q4C`P1- MSC28LXV<>4A@7?7IAL2SDV&S$UR[,612$5D2Y@G,L@2&"#F).L$@\G(BLKB" M9MG:&(X-B%%L"FYY^K(L?2$_+%D:P_%U3D16+!`/<2IZG+IA\0QF209+8CL` M/&/8SVPB1'81!FPCS*W<1\#1<;]D020X;BJ8)D)5R\%LV?0EPG;+P6S9E"&R M&&$YF"T#L^B(000KWE@I$<-(HL%164$TL8`XDBU#LNB$9*$'$PW3"+#T^Q37 M?;HA<21;@N0D0G7'>>N2X1W0<;HY1C?L@$YN#@2QP$A$7JR;,B>-;QEY)3V85/ M=%?.0<+HA]*B4`$,@>[*T@#6Y)NE6A$/2$T@FD>4A MSPGH[?!>X3ER/$,.)C%/%H1Q,)-["8H,B<.,$IRR$:,T]E)&CIRP82`BTLM# M)V+P=5W3K0H'EV?#R5@T'%R>@0OSG)?$0;81B7@^4H+S)R*)A89(Q`B!:2)3FY33+1UROBT=<):!:,2*TP"?XKK/,:3) MQW)=+@^5[>Y(M<7ZK8X?BO@PWXV M?2F?JC_+[=-RLQM]KYNF7A].K3_6=5/MJYY\V8/CN2H?SA]6U6/3_MG2&PO=V]R:W-H965T/G?=R\?9;'__W&SJ_8?VI=GV_WEL=YNZZU_NGF;[EUU3/QP; M;=8SHU28;>K5=GIS=7SOT^[FJOW:K5?;YM-NLO^ZV=2[_VZ;=?MZ/=73'V_\ MM7IZ[@YOS&ZN9F_M'E:;9KM?M=O)KGF\GOZF/RZU,@?-4?+WJGG=G_T].63_ MN6V_'%[\\7`]58;^OOI]VI[_/UZ^D],0S/=DG$`"P/88P!W%D#K0'KUI(E'S?:4I4[DXU9( MY!-.Q<%4'$LE!MS>P_:^O"\"#!!8`DZ1VK@]:?S9QW2)5&'%-3Y:G$B$B420 M""F=V\@NHD,F=ZX"(I\\3B7!5%)!?21V%5X?\\3KPW@R.BL4R9/NO>.1=+9T M]`%1HJ-X"431.-P]&79/9C7GE#"`#\\9A#554'6#Z+QC;+":^%\:DQ-37'ILD" M[#2FG7;EN-(8>-J7E([GI4.''=!(P-(8G1JQDY4-@">O&2ZRTG-$8WQJSD]0 M,)R-SD4Z6P`B^J"OD(B.S3L@LII-&;C(N$R@A41>@);&4-?I'=C"X-.YI/8R M^-"T][A&JCV#"6H006GM&4!0[>FSI4(R$X)0?P8SU'"&\OHSG(U]0BG3A#1[ M1ED3G4!0(\P2.4&-Q!J#B6=L.:X,)I[A$SQ>,H-HU"W"53`4#8(BJP8./$.' M]:`9S5BD.L!0-!R*H`XX[PS%$-!8NF@9-$*Z)P@5Q%D@#7E>+"_'&7<-1K2) MY00R&&*&3TU!.?$9I51.F',&<8Z5$V>8SI%./0;5:+K93YJ$U1IFG>6L`^LU M#K$^'4H6I)+3P:2SG'16"95@,9OL>Y:PPAJ6S\9X)0PB7`E#CW")%FK28L19 MA#A:+98C+M)9$-!HL6,Q""T'(2@5,/,CU)@#C=:L[Y"(<.,.B0Q):0%$ALZ4 MEBB2%1:V%M/9AG($64PQBQ;JK/#X?(V2`4BT8'U8#$.+8,@*C\,PF!AI,D@5 M!&I:3$W+J0EJCU,SF,0*"ZFB``B'J>DX-:T22.J#16BA^AY'I$#)IO3C.0^?HC!F)I,F`$XP_3DU>+8X3T=,)SAR)F,F$ M1(X:O$#DJ*>U0")+UVM0)`PGAU'NN+4IHLIAVKD2<]/Q>5UFI`8H(X3U$JW MW&/J>56.+(^IYY$;*/2LQ]3SB'KT5@^BT=28WF>D$:K.8^CYDLT.SS(B> M+W.U"M14`JKLI&PPHGR)B>C!Q`UDPU5R-IA/GO/)*JGZ,5$\WZN0]\N+Q3,=Z.Q]R+!3L,U2`2)@[CRV"BQ8)]@RKR#0'FLT2P M[TK&/9#040\DTN?!4(SMO7$(C(U8XLD-HE&O:D\G=4#EE&0[ M18R-6&++1>2F\72XZD(Z&!J10\,J*81P6H5[^>(8C7B8QQ(O/X+3(13L0&.E MBL.XB"6&?^2F%#L%!#11>,(DC)U48O8G8.-KNH&4`)NHIUJA2(IT\!T09;*N M62`-W4("FB3U#J9EXHZ<2)>$`95*'+G$)S^>EAW02(YIPJ!+)89.G4%X9F*K'D$L=A2-3_JH#*1RWLI"8,S<2AV4]'A!`8=(G;_2*E$@9= MNFSWCT,(Q^E*?/H$SJ7QDD,BZ29CU*42ESZ!74N:S#R!#5!/%RTP$O5=421' M%RU(1#?-ET@D&=,9`SAS!TU$3,:4RN]PT#*F5"YQT#)?-MH0V5(7R9*6SC5D MS*I!H9$RJ7.*(9PXAFLH<:.A!W`K%H2?H@(8=H$,:DL\2::1R$P[] MONO4KW3L][*71H((AW55T6E=Q9>,@1V&KI`L1BV=+%3"85U5=%I7<0[!E(`9 MQE.:G7V%Y*5^:OZL=T^K[7[RN>VZ=G/\SLACVW9-'U)]Z,?Y&ULC97;;J,P$(9?!?$` M!6-.B0A2PZKJ7JQ4]6+WVB%.0`7,VD[HOOW:AA!J)E)OXM/_SWRVPS@;&/\0 M%:72^6R;3NS<2LI^ZWFBK&A+Q!/K::=63HRW1*HA/WNBYY0?FF9E[XWG&+K*I._K&'7%I6\+_[6G#AIV+W-O$>WVNI)[P\LR;?<>ZI9VH M6>=P>MJYSVA;(",QBM\U'<2B[VCX`V,?>O#SN'-]S4`;6DH=@JCF2@O:-#J2 MROQW"GK/J8W+_BWZB]FNPC\000O6_*F/LE*TONLV[DP[C"NI/]E@0S`9@MDPYX$->#+@NR$V.QW)S+Y^ M$$GRC+/!X>-E]$3?.=IB=7*EGC0'9=;4SH2:O>:ACS/OJ@--FOVH"18:]%51 MK!4XO4?Q%,&,$4`8^V`5(+!2`(H(SH#!C6+CQTO_Y@%B"`8(38#PRTF%UDF- MFL1H.J/91,@^SP)0Q4GHPS`1"!,!,)$%,VJB11J$+>!BK<%A`(/$($@,@,06 M2`PDL3C6$I0^N-X$Y$@`CL3B2-9)0HNU6&OB!.9(08YTQ8&M?_(^75T_CF*+ MM5B+4.(_(-F`)!O@1%(X@"YT4&WPO__-H`?E!0$4&[N^`")D?P[>HJ*UE)]- MI1=.R2Z=>5@6L_-K\AR8BGB7YUE/SO07X>>Z$\Z!25573?4[,2:I8O&?U-57 MZKV;!PT]2=U-5)^/+\`XD*R_/6CSJYK_!U!+`P04````"`"]>@Y'%NPB23_@-^Z("Z6(_ZTP8=/!#=Q;X+T_=U('O++P%E[;4SR(G@T. MQZ>#^QKLZUPC#.!7CR>QFCO:^Y&Q#[WXT1Y<7UO`!#=2*R`U7'&-"=%"*O&? M6?.>4A/7\YOZ-U.M,_.Y;V2FSONNT^(0N1+ZSZ3N>2TBT8,.(,+]. M0@V`=OYN8\5;/3Z*^=DT)>$T[#)( M_3=?19>^]QKJQ[N)5ZH?VO9UERF+$9WQ3\3/_2"<(Y.J-9@'?&),8N71?U&7 MWJF.O2P(/DD]S=2@Y'2>JD[>,! M``!2!0``&0```'AL+W=O/1#_U[X*6[M,H$4)&CQ5=W#'K9\=X3 MT!S]+^&A3(W""GYU,,K5W#/L9\Y?S>)'??0#@P`4*F4R$#W3T=U>K5L,&OE=#0ZY4O?#Q.\PE)"9AQ:FT3Z^Z M2L79W>)[C+Q-8]?;<9QVLFRVN0UX-N#%$,:?&J+9$&T,:"*S=7TEBA2YX*,G MIG9H&V4W=.521V]%7&XR]'-))HUITF#5QK\7E$Z%,DB01I@ MHB^F?GQ:*#_<;;+E&BW]02P,$%`````@`O7H.1YDEC;]'`P`` MC@\``!D```!X;"]W;W)K&ULA5?;CILP$/T5Q`]454& M/`SCH,J+VE\M^K&G9K70YZXL:O74>.VYJO+F[UJ5^K+TF?\Q\%P6@2K7M MK(O289B05!`J2D-,1D`R`I")"9D!(V_"L#"4&2%PZIE9",A*0(3FO MY2QGQF4B"!F$2EF&R<203`S(I(0,PM!Y`9C(L40)))(`!XP001A:^/V@[),.FH2QZHD$)P2!:'>,H-O"3Q+IR(B69EW"4I%0@$(QQYFI>K%8,R(R8]132(JK@T)-K=K!B,2!9 M(J-D`$B&E`P2/X>,%C&`BDRY"6$HY4$E).YW/SX(LX1&M'@1+X\QU M`,::RX&<2MKJ$$0/L!#DZ"R.A9D#8:9GTS4$S8KY/FA*!HLR!Z(&ULC5;;CILP$/T5Q`<$&\PM(DB; M2]4^5%KUH7WV)DZ"%G"*G^] MJ5NQ\(]2GN9!(+9'UE`QXR?6JC=[WC54JL?N$(A3Q^C..#5U$"*4!`VM6K\L MC.VY*PM^EG75LN?.$^>FH=V_):OY9>%C_VKX51V.4AN"L@A&OUW5L%94O/4Z MME_X3WB^P:&&&,3OBEW$Y-[3P;]P_JH??NP6/M(QL)IMI::@ZO+&5JRN-9-: M^>]`^K&F=IS>7]F_&;DJ_!_MV)Z>:_F+7[ZS04.L";>\ M%N;?VYZ%Y,W5Q?<:^MY?J]9<+_V;].H&.X2#0S@ZX,<.T>`0?3B0APYD<"!? M72$>'&)KA:#7;C*WII*61<7^T3UKL+S6-5FJXVF%.:=RIU0UK>2)&$1 MO&FB`;/L,>$$DT:WD+4+P2,B4`&,4810%,O0<;=B6+F(E%@Q?$JR>4AR$V8$ M)BLR_M%-LB*8@(`$Q!"0:9H0MK+=8U*#:0TFCI&5#1>3)U8V7`A&Q"K;Q@5% M)(4%Q:"@V!%$$JLNRQX33Q9)HQ0C6Q,`2U!,;%T06TYB6QG$AC.4P>(24%P" MB(LM<3TFFZR#9JD%6D$@;+>0"$S8FV.#<1$8EA4"HI*@3VP`];FT` MY/0V@`&:&T#=[6Y\YW3`0+%S6Q:&&IPX!8=P"58_6QW$EV?(_IJ#?&&6WJL< M>/0\X="5:&_#Y0#ZI,U!E-/G``IH=)#+Z?1@'FNVEOE5CEM?U@UK_(/GI.G>.PV_Y'U!+`P04````"`"]>@Y'BBWX MS\D!``!$!```&0```'AL+W=O#/'.Q%YEG8M"TX_`BD1H8(_)?`52,AR`*+H'7KFFU#>`\PS.OZAAPU0F. M)-2'X#G:'U.+<("W#D:UF"/K_23$AUW\K@Y!:"T`A5);!6*&,QR!4BMD$O^= M-*\I+7$YOZC_=-4:]R>BX"CH>U?IUI@-`U1!30:J7\7X"Z82-E:P%%2Y+RH' MI06[4`+$R*\\[B;:.B&>"/%,F/.L$Y*)D%P)KG78.W-U_2":Y)D4 M(Y+^+'IBCSS:)Z9SI0VZ1KD]4YDRT7.>;J,,GZW0A"D$EY@K@ALU.<4\5J* M(KZCQ]\3'.\1VW0]0[):1.+XR=+@[C\6TU6!U`FDW[IP8[+PF(W#<&]R%X8W ME=R#HLW3)KSQ@A>GPT`V[M8J5(J!:]N'171^&,^Q/=V;>&$>C+_?5YD\ZTD# M?XAL.J[026AS=]P)UT)H,";#!^.O-4]Z7E"HM9UNS5SZ6^X76O27-SO_./(O M4$L#!!0````(`+UZ#D?I'@)NIP$``/0#```9````>&PO=V]R:W-H965T'LKE@.2K^:#L"B=\&EV>'.VGY+B*D[$-3!06Z]`W7*&/7#NA=S%;Z/F_RL]<;Z_J#^&:IW[`S6P5_PO:VSGS"88-=#2 M$[?/:O@%8PDK+U@K;L(7U2=CE;A0,!+T/:Y,AG6()YMDI"T3LI&0382T^):0 MCX3\AD"BLU#73VII56HU(!UGT5,_\G2;N\[5/AD:%@Y';9=+ M?/$$``"R(```&0```'AL+W=O'+&LVNU#FS:?J&`[=)R]57>9M=UB_ M9LVQ#OEV&%06F6#,9&6^/RS7J^'?W/EU!4I\5Q^9D_/'G;APP1?^W#J;EXO^B+ M?ZZJ[_W!']O')>MK"$78M'V*O'MY#T^A*/I,W3?_F)+^]YW]P,OW']E_&Z;; ME?^<-^&I*O[>;]M=5RU;+K;A)7\KVF_5Z?P-7=`7(:(&\&9&-EP[Q^S=M\O:JKTZ(> M+\8Q[Z\Y?Y!=YS;]R:%1PV?=S)KN[/M:6;O*WOM$4\R7,49'55A<,))$P@AP3R*H''"11,H.85.';3AS'&#C&'<9;<"WG3 M"Q`EM"+:H6$Q&A3#<0(#$YCX=EB8P$:T8XS1%Q/EYC;H"00Y*7`I#I;B0"E$ M`@\3^/AF](Y')F$1[9B"+J?J.>.W3@%1QA-:YX1G.2A'$BFPX;A(:`JV')P;"7SCJ138-S*!JQ3VC8KA*A7%52B* MY"J%/:B`!SVQX2KL097`50I[4,5PU11TZ8PY5Z$@BJL4<5L$W.P)KE+8?RJ! MJQ3VG[K/5=P_F\!4%OO/WF>JZQ38?W;N/\T($K+8,S:!A"SVC$T@(4O\M#OWC&8$ M"5FLEC2,C/$0=L^2B*W/(]5KH'',2)OGJL=)_`01XKW<=PD$<<--OR412YY7OL M&@\XB!,>P:'\-!4]#]+1\%S;;\[.+I\C%_#7_F]>O^T"R>J[:M MRN%Q\DM5M:%+R#YU#=J%?'L^*,)+V[_M=\-Z?*0^'K35\>,_!,[_IK#^%U!+ M`P04````"`"]>@Y'PH*O[LH"``#N"P``&0```'AL+W=OK%3U8O?:29P$%7!J.TWW M[=./SN>8;(KXV_B1*ET/NNJ$2OW).5YZ7EB=Z(U$4_L3!OU MYL!X3:1ZY$=/G#DE>Q-45Q[V_=BK2=FX>6;&7GB>L8NLRH:^<$=O*1>YMX+4\GJ0>\/+,Z^/V94T;4;+&X?2PMK!EK1G=061%T^:$&K2CNIF=\[TZ\Y=>#P_N;^PRQ7X6^)H`6K M_I9[>5*TONOLZ8%<*OG*KC]IMX9(&^Y8)I;B.O4Y+.]EHVY7MLW MJ=^%P0&X"\"/!@1=0-`')&@V(.P"0BO`:Y=B-F)#),DSSJX.;_^],]&'!"U# MM=4[/6AVUKQ36R'4Z$<>(9QY']JHTQ2M!@\T:*S83!5!&O0:3Q'T&!C"*/#$ MP(+8`(H(GB$`%QJ8^&`0'R8+V"`$#4)C$`X!8GNG6DUB-(W1Q#BT%@)HPA@& MB4"0:`(2H6`\R1K26"`%I(DLV'G-"#8&86/`(+9`($UB@,':`$:+`""A;45@`;[UE;,:T8@NN1!2>\#%LC.>DAD9^4=T1CFFPJ$ M`(O`AH%$=F;=$8UAP#KTC#!@$=DP>)K"=N+,:\8H<,%"`8#R3:%`<,E"X>-G M%L'%!D$5P#ZUD`C;&7Q'-(:!BPD"JL#TW$*BU(:9%XUAX(*"@(HR/;>0:&'# MS(O&,'!Q0NDCYS:=G,DDLJO+'=$8!BYT>K@+GG[^X8J$@3IB?[#6D"BPT;Q! MYU-3?C0MI'!V[-)(G0J#T;Y-76/=.4W&%\M"+67Z1H$LB[:S];ZFR+,S.=+? MA!_+1CA;)E7/9CJK`V.2*G[_267`237?_4-%#U+?)NJ>M^UH^R#9^=9=]RU^ M_A]02P,$%`````@`O7H.1QV[^'Z0!```JA<``!D```!X;"]W;W)K&ULC5C;T9OT2@]1':AV)/ATMKW7SHST:TWF_RJ)JGQ?'KCL_^7Z[ M/9HR;[_49U/9GGW=E'EG7YN#WYX;D^^&H++P91!HO\Q/U6*U'-J^-:ME?>F* M4V6^-5Y[*E>\B`^/MDKNWDV>O)O]7UC_[ES]WS(N@YF,)LNWZ(W/Z\F[4IBGXD._// M<=#/.?O`Z?/'Z*_#C1`CP&:!/BW9`VIWN1=OEHV]=5K;N?CG/?'4#QINYG;OG'8 MNZ'/)KNUK>^K2(FE_]X/-&+6-XR<8.0P2CIYTR^7<=] M,1(N1@X#J-EB'`,H.(`:!@AG`RB2C1LF'C#5@!%IHLER-P`5JIB,]0)0,M`Q MR0M"Z4F"9PL+X<)"L#"2_O4-$\VF"$"P+% M*::20"H)3PM9\#KA"X[HL=UPD(@#1U)2R"0%1X4F)06SQ$E$CM0&P!(91([S MTA8^Z8L*1)+FG,&600 M1(NVY)H&_`-`N0V$Q-(GN?11"Y$!#*#,A0\8#8!R.PWI<*;R?[U&!C"`LGS( MD2"8VY)(+,@2V>&(LD8@QAK(,;-04]%%N$39^NC@C:N`!/Z9*0>J%(PVKP'<,@&0TS)) M7""E40"OAU!.KZ<<-S3J'LU#<$E00.ZI MY\I&4#K-IH,85G'U@$!G(V@ZB^M^"FNN`GI*=R,;0=-9:)+]R?U@:9K#<)7; M>MOZ4G7]F9JTWJ^+L^%2E;8K]?1B-X7WV)3:GA#V1+8G@CW:]@RWTOXGK=7R MG!_,7WES.%6M]U9W75T.=Y;[NNZ,77'PQ>;U:/+=_:4P^ZY_C.US<[M*OKUT M]?GC9OQ^/;_Z#U!+`P04````"`"]>@Y'HW(*?6<"``#S!P``&0```'AL+W=O MW:($]`"IK:S;/^^MB&$&.^VEV`/[[V9-R:>=*#LE5>$".>];3J^8;VI-.OCE3UF(AM^SB\9X1?-*DMO%\`"*OQ77G9JF./;,LI5?1U!UY M9@Z_MBUF?W+2T&'G0O<6>*DOE5`!+TN]F7>J6]+QFG8.(^>=^P2WAU@A-.!G M30:^6#NJ]B.EKVKS_;1S@2J!-*042@'+QQLI2-,H(9GX]Z1Y3ZF(R_5-_:MV M*ZL_8DX*VORJ3Z*2Q0+7.9$SOC;BA0[?R&0!*<&2-ES_.N65"]K>**[3XO?Q M67?Z.8QO$C#1[`1_(O@S8(?LU MY"[BR0+F*GQ;%;F_HON/"8HU(@Z-&OXIDT)D`),-IA`?DH,AJR!L4@,7NR!D4H!'93R&H*K4Q!8'Y" M:)4%?3$PQ1H#@5'MWH*!T/!]6(.")+([BJR.(LLQ&5];/F*211*PB"4G\+QIR%FH92S7;!Q*XT;0_C9B MYSF?_0502P,$%`````@`O7H.1W!LV#Y#`@``Z@<``!D```!X;"]W;W)K&ULC97;CILP$(9?!?$`BPV80T20FJVJ]J+2:B_::XV`M'_<^]N\;K\VE5F8C*(O@X7=J.M;+AO>>8.>]_P7O#I@8$VOQJV&C M7,P]$_R1\S>S^'':^\C$P%I6*2-!]7!CSZQMC9(F_YE%/YC&<3F_JW^SZ>KP MCU2R9][^;DZJUM$BWSNQ,[VVZI6/W]F<@XVPXJVTOUYUE8IW=Q??Z^C[-#:] M'AOH?*;-JT[9F. M4^K=6TGBI`AN1FBV.4PVX<(&XP^;0.L_("$(":U`]!\DA`4B4""R`O%2((I6 M44XVJ;7IK4V21QE,B4%*[%+B=$69;,B"@A&)8`H!*02@9"L*<2DI1AM7EH"8 M!,#D*TSB8,(LA2$I"$D=2+1.)7482;9Q7QG(R%S&.H_,S2-!R08E!RFY0XGQ MBI*[E#!/,4PQG0`J-^1^%H+6]88V$\J+DTOO2-7^D6PC?O,N6):$3UIQ5H_O(]%R\[*3%,]%]-3-"T4 M'^XOZ^-Y+_\!4$L#!!0````(`+UZ#D>&*BZ)D@$``'P#```9````>&PO=V]R M:W-H965TK# M[K,#0[#J"[6=D/W[]86P:<0+]HS/.7-FC.M)FT\[`#ATE4+9/1Z<&W>$V'8` MR>R3'D'YDUX;R9P/S8G8T0#K(DD*0K-L2R3C"C=US+V;IM9G)[B"=X/L64IF M_AY`Z&F/!V7H"S7"AGH]_@YWQV*@(B`WQPF>[='P?M1 MZ\\0_.SV.`L60$#K@@+SRP5>0(@@Y`M_S9K_2P;B_?ZF_A:[]>Z/S,*+%G]X MYP9O-L.H@YZ=A?O0TP^86RB#8*N%C5_4GJW3\D;!2+)K6KF*ZY1.JGRFK1/H M3*`+@2;CJ5"T^VG*LJC))0C- MF$/"T&^8VDR8 M*F)4Q.15L2D>RI"[R8[L!+^8.7%ET5$[?TEQE+W6#KQB]E1B-/BGL`0">A>V ME=^;]'>DP.GQ]J\O#Z[Y!U!+`P04````"`"]>@Y'=13B0%0"```L"```&0`` M`'AL+W=O[%X[Q`FH@%G;"=VW7]L02F"0>E-LI67OC M62VD7G"RU!GCSF5-&U&RQN+TLK/W M:'M$@988Q>^2=F(RMK3Y$V,?>O+SO+-=[8%6-)=8Z%IKDP$E&:$ MYE8AT9SC3"[GFO*K:5K"RMFM,3URLCHVQCTVE_N7/$M;)Q6]2#V,U)CWS:R?2-8^>O/X`R'[#U!+`P04```` M"`"]>@Y'>-#O\/="``"O2@$`%````'AL+W-H87)E9%-T&UL[7W; M#SP5=4.,9QR(@&U/<&1CZ*H#@S]GA',_1P9,>&8A^:0)-L"T##W0`Y M5/A!_^#SLA&[/Z;9;;__K-T'D_>:KWQ7I5[_;?O4JF^]6R7HKXO5"O%YO MT^V#>+OF/M-L+<:BN(WSI/C=%]NO?O<%MN%VH?@F6V]O"VBS2!;U7_^X6T^$ M9UO"M9V@_N/9[F8B'+?]1SV?L_;Y?'=V56SS>+[]7_66\N&/R4V*3T`7[^-5 M4G_J+Z_?O;L4;]Z^/WM__O;LG3C_\/&BHZ=SF$8>+V'X1?)9_(_DH?[ MI.L;.RX8\_I MF-R;=)GDXAS:W61Y8V:7JWB)OW],-EF^Q3F>9ZM-O&X\J)::K58`W,MM-O_> M$I>TX^+#;EML`2V@>>F03YF_@RP9*UY^44VU]]D]N8VNS=9$MTP4L:B&^CI?Q M>IX`).$D%G"(OKU\)4Y>G(H7(EV+3[?9K@#`-F>0S&'U#IT,O['VHH"^&L/& MQ2V=W3F^2?ZV2^_B)2RBL&"D^7)'")JNMPGLZ'9\!8O'+^+Y'$E!P6?0$B\< MQ[*]Z$L:&#Y&EN\T,.\\`52Z3N>PPD)DUV(!R%6D6TO$6S'/BFW]^3?)(L'S M<[V#I0H`3H-,7";S79YN4^@OOHO397RU3`2<=5'`&KJZ^T.V2L2[+%X#E-?? MBX)QMF,.^%PA;I/EHK-??B1/Y@F`#B9@B76RQ?7!$WMSBKK8\_2:#06'^,`W@$4L!TV@Y?Q^VMT`V MXE94^Y1MH5W[;^_2^"I=TE8VD9K0I/']V>(.@5N(ZSQ;B:LLS[/[)"\(V-OX MLP1!NBYV.3ZW%Z:;^*$-H.JYY#.P2P78C):Y[)XTK[7G`:28Z7;%)PW./A+9 M9#U/Y0#G>;)(M^)C6GS?V+;DAQ_B=;I.Q&O8WFV#)'\$/`?^CD=ASF294)R1 M^.I!O+[\<`%'U)XX-JPY%W#>=X"TL\`*;5=R:Y$6!2S:$M.9-7.G(BM).9X4 MH+*)9L]?JJ:UAX`8):LK`%,702)N<0O'&G;M/SL6`^A\G0#/6ZASNL[*27\I M`MNV;-M6LXYWV]LL3W](%E_"@S#'K)L%G1NP:8#C2Q%AOUU]NY8]QYO4L",YIYM0SKI=2EZ#M_Y@>7ZTPYACK&]J.QGTKJ?C7-AB97&9VY"^#^DKSZ.>7(1HZ!T MFVR!WRR+T\$L]!*I&G%Q(--OTC5TFB(O1Q+4+S^^[6*2X@0&7&3+99P7IXWM MZV`2?6V&G'"C`[$!I*"-.ZHGJQ_)#^JBYSPV3KH^C"8L>M;2Z*!Q<(>V&$PU M<#*'3+':>N_\6A]OWX7Z>6X_IY43HS&=))*W1";$R6X=@\P'OP\_,M[@JUR# M!:@S(ZG4RWVR5;/]';2FXUH8LN!ZT119%QUB!%.DM#J1SGE**:`QT5HO\K'Z M4^^3[;Z1+O+L+BV0TE3H07,O6_H2\35\%IO!763K=,\&_![8DD`ZL<`^$"@) MKP$$O/O"+ZQ`P!E=)>ODN@67/@`OAEORO,&JX*H:X[Z`N%JT4!409?%NU/K3 M"B_@/_#8L`&K+J&]71(W1'61W:];"$<#4`H,S4TC'+M*8..56,&"=L>3\%O_ M06C;D-=2`"JI:&,[OHZ+=#Z0XKY*ESLD=D/IO%$G6M-+?6'-$Q8C6S?U?(!4V0._-F&?SE+] M.B-.OMT/5$N\1_$>OD)-"Y$9@!<0I+00XYGK>E[DVEXX#?PH"MQ9V,%9:5(] M4OL%2NUOU^)\C]2ND+9/-N>]:T>C=[@SG2R]=99T;KNOAE*4-H2SOB4KX9EO M;5J%Y+4<;)P4S!@>HW>(>.U[^]U'.&[B39;?Q_EB$"8S3@W$1M16+=*[=)&@ M=N)7E8LK/852"=ZN-LE\"Y-8/C3V@58WOHI1 M\S$W.$&_""8VNQP85H''*[1M7W3TXD6NYZ+\07'2)PA?RV(VXG^:TAW3">TH46 MU)SG>!`?PCF\@3MC,8A0MBZ!F[]!M=D'F'A,"OXSQ+965=79XJ\[*603=LTS MN!,#TK&DI& MNQ;&5*Y`F+/*F`B!H3EJ8,_[PS%PW_'@^V7_\7A/$%>,,5T;C+$5?WN>G[=; M2-IZ,!KJSI`C[+697$@"1/JM'I-(_QE2Y^>@'HR1BQ;+S1@0:=QV`K^)M^IA M-*LTGC=ZZQMSTVH:Z5$II.N!N-V$3<]1[T1;$UE3C7C#D55J*X#7R=`;]A2.U,` M6\VSWQ>4L#]:M+@8;L5`.*!1,?T9DVD&EU-6-&/T+@`L6W>)D,U'^G> M/_37>5ELXGGR7[\!HD4K^PUOJCL1PR/^"Z^2:$ MYG7'"Q6%68&7`*Q%(4TV!V#TF<-Y&N9)5G M%2>'RQ9667(ON'>^2JZD7Q;?;(R>]FR&/Q&]PXXJP!S]/D=AEUY'4IP$\FSH MGLJWH_,,Z`<*^H5X1UII\09OL7_&O1M]3`KD$VCTU)(VR(SS[Z&/6-G'7PC7 MM6R`^`L11/!RXD2!P(N/ZU@SUQM=?GTF-ED&%,:QPL@7(=R.X-W4'GVX6J8W M)>TC=LR<:Y.A4(E>.\7N"J]XI)(6,\NV`^%X4W'BNS#&S')L9_3[#%!AC4`> M%QN\JJ&LG:#^%"AEH94OOBVB*8[M3$>+,7`:J:P5^4`'JU`L`J"-<0,;X!`27,/9 M]`"XAB["U781KKYE0Q_P!H"-<'4E7.'@PW+.6X_>RQH"E_`E2!K`>[4C^4>= M3H$6%3RS+\34PWV<^H[Y#%R$KU&7A<\6PK,B>XJO7D@/L7V&'E"1_M=K/XZYJ+T>?;O,DJ=A22RA>.)GB^8\B0'^E;B"#S_4U[`BK M(ZEI)FH0$8X+K4,/6GL1TE4XK^6,$_8?>B&(OD]MX]VG9`6R"0NB*6D@JNA6 M.]/L5+7+=H5)-%N_'4FB^?ISRI>NVN<1X*>$/NS6NX3H6$A2X4CBYD[A6"*%T4*!;P+"#X2;Y\ MX&NJGJ=QB:UO5?D4=!7GWR=;<;W MK#EW8ZO66:F0ZE6=F<2^`':SX@.35!E1Q4S5N*NPO\Y'[:]#3_*7?U`Z]K9K M"S]"#R=D'#&Z>)46J$1#5K[GUA),Q-`)D-I`(F=I!R@=C0QF8F)HR6TK)][T MLH!##F1XA@Z&]0=!;@JB$(<(`V]T=@/;N5N"@%I_+`2:&@AO M:CGNU.P+T7B;`W+B$LP6<,@#7P"]]X+*+'L:V"!TS7Q[1&IW/N@$0 MIPA@_>?D-ITO<:*S:$92*XZT+G8P%EI7IQZ^1K.1="^ES01*9WD^T+RI;P4` MX?=[+2/BQ+-1+#GQ`."GHT[73';>/Z4W`$6@%R=?Z`[:EG@Q(A695$2*HDEF@P9FPCN9?I$QMH`"!(!K8/&VTEH\>@ M-V1H."'X>4Y.ZO>`"K?I.BD4+4+UG:+@6E4\42[M<)GX'N:*HCA3[YLDN\GC MS2UR+58QLB)NRQK>[2W4.M6=$>DEXP^;Q%89X)`J\-_4ENZ&)4MB\WC">Q4=HVFBG17#Q7P**+6V91 MI/[)EM3Z;]#.6(8Y/J$M30NHN>Z5&4@&"]CEDOGER5V:W,N-B#=T0/7TOL[B M?$':,]A3](DI<#=C:'2S0V?@*]0)3D07^:))O!0=-$O^VDFLFJT[B8Y\=!"! M:G;;0C#:YM;]F"8?]-D,=KH]F`:RDN].$BDY0)TFU*\G_/M%7&Q'GOW3C_\` M,O$J?BA$B!^F\@,J`F8VOV?)544`8D/Z6;\!&O4->N;I+[A!#Y\"\N72W<#R M(N17D4.D2EX4/!#]/,W..KF8@^Q+S.!.AY(J_F7&ULO1;+AW.DX$#0)X%TX= MR>8.X&]C^1]].H3/E0WATY$T]+A`HRR M.+'$@*= MS265%=P>9W2#`_;ETKW%#^@S\]31^VP-D\2H6IRFZF5L_%,M*W];+H&_@F/@ MH_(1T7]*2[5)!SJ-:-*S*-POR)$$IW=GKT`',H$/Z#/E#<6_!PAW)-;IL0X0 M\D"\T\V.%?50#>#`_11F+UQ`)1\DFD&"7P`WW1D>%4#>2#C^4"$P(@6EG#GJ MTVOB8`CG>2H<_,]ND0L1S"'^!+L2MHB(B-#0RN:]]DE!%O#=W+(=NO=:,Y_N MQ4J('(#XW++Z%VXD6;X@X<1T+UAGZQCC"_6,R,>%WFT0?Q>,^`M$?$#L%2(V MAT>E*"9B4YP'WD"7<6&X0QUPW2:))493/LJ[#35:>4#Q-(W4,93'#`&B5H#] M7]+$SN3$>DZ=XC+CKE,%.]Y]AI!KC`>=%^QFT/G`!X\X$XC3^ZB^5U]*RT,X MO,)K/.`E'@/5'DNL+4/NE.,2D\;I_&OY)=0F*U=YNB`[?),7=I7-DD M/OIC\=ZXA4E7R7NR-,RSFS7IM+(6(D!.-0=H82I^$#M4(OU`%P<>>ZV"KIE& ML"$=X5H\P&UNA4(K2NI5MS*G5'?RLO*MZC+:MQD\(XW MEJ#C42SS&3T1[Y;TU#WLURW@5(Z:140,=&/%:RA/L2"+G$7@9NRY2]9U-:0QC)P5 MWQC0DI<5')P4SP'K_ M/HF_Q\L[:2]1;MA!O$#4+-<%HB5YWNR7.G>_Q5\J)9W,+3I+;`@`ZE#R1R<84?%?AHNHN,86L,@[;!REZA67%WS3NB=!D9 MG.F<$L;4#IBT"$"XOR$$@SH8X!=[#;L=4Z+35>))$12`ZY66BC` M(KE*%BI@CK7NJ+0'6J.7!_)1(9<6MXE1[+*&,\=TMR*/"*9$;)ZD2#[ M(-M=*8VE.N"A*FR5STI]L5+O5LXS'TZ<]ZXP]=>6E$Q0)-R@4A>H$$Q`$A!, MOT+!Q@]"*^[9P?E!T;I[,O/5AB:E\`VG;5J0TZ0A6"GN0B1QLXSG#1&4FM=Y MR=J\]D[$6^5](>6S99%I<8B_6F4+%AO0=UQL@=X";5Q`IU=;SF6"1E4R-\HU MH-:?X\!9/+E*$J33\5H&M94NYQ@ODI-`A`*`=FR%\:X)590!M*CV.L]VRX6> M)>K#%Q(OZD9;M6V\10KVVCH`N`.`N`%D43:/#2QDGF[B)?V""0?(:J2=C.*Y M,N!N68Z']:SBS\!C?C`%H8;=M@=L!NM0MX4MN0^1`#OTWG"AK-*LINZXCA#_ MWFR64@J,`=0Y^_@H")HPF(CW]0ZT%'!%/F]:Q&+\EF(7"Z5E[.W<,!=Q<"]Q M=#H59`,!0*P9EFHT/F%U*!Z*D(897!U*L;U/EBB#(5"1$V->-UH59NE!NQC) MBR"JQX"`V&W9QQ';\D[>+PQ)21&:18T*B,"#IH*._Y%!GY>?07%,C6F8YP M+=.JY;+SESW:"W_FZ%=B/S.23CSN%B9Z2'>^Z]*_J4U_G%D7%W>M$.0'?O70 M\Q+8H2N"X#AS`_WOXNL^'48PP_]!%@H#X1JJ4/C/0S_H4L4D_RN5%L"Q/@)B_\<.'13SX;-[T$1+Y*O M$D5FMIC-CD&1R%/_^[3M>[21(=KH4-8K,<0)Z7\77]U2C+/LR#7^!F00]"U< M'3JLA:+#1P*],?O<68G`:)]/]6:D(Z?0VS:_2<;9]35CR!VR_$*4V7$XEJK7 M"P=G3$[JO*\G#D<)!%5+B]DJDC89!][U&#"=@!_SX=ULJ'Z3_QNFY62A>@K[ M<0PVH&O]R107&XC`$[X?[4$)1TKQ'AHF]TK]TA`9P$:6Y,0FJ)V@5XP;&6CE MH*LO?AF*DP"G%$TU=KF6RWODV+8,A9!;10XVHTZ?YW\*^I`KID0?"MB0\1I] MZ..Z?)GTGQI_'.[XQ,&8C(%(Y'BR#3IL'X=(P`C8S1L0!#CH`$RR9PIU!V"2 MYY0S-)#)G1)L3H(&,KF\(1X@4^C4D0/H<^@A'5$L'W=R.1&3+,"]/0>A$W8<23IH7,(10(T<*9' MV5]@,2PC3SX](7A61`G\/(KD^[??4V8-( M'H,0A8"!B.0:%&8@4>(C'QV+1P'N7!1Q[`CZJ.]'I&FD$"D:A$A37I1/9*_* MX;PF+CE>(&-J`+-//*^!2Q'IP4ZEVYLU8^ MC8P,(L9;UHSVR)3=QX(CA8BH]G!H%+1]X.R][!EIZ>PPT6ZH\1K/UE&L&$B9 M#SNTGP/#W6\ZC/NBIU)%A@,J7>&WP'@"D\7RC="!>TJHN>K/C0ND"NG;]YGC ML0^7Q]Y;OY*8ZUZ_UPUT1IKCC$*5$Z(C[&'9&<#T'Z&>2# M"*@-ZQGL>2A-(S6?0T^ZQM5]#"@?GF*-T(FRJ%7PDUX0NN M[]E\$^@C)Q[R5;>'KXY)WH=_0S&(:,10W/%0EW6*5L#(;XX=+#0-K%!!O`R7$_U.P8B]=<2BJA`B*-[/W M^H!*;<[4LIW](3UCZ?!YB-^GM.(=XO%)?I['^GI&Y,<=AM.!D3T>QC8"G@^S M'$I[85DHPDSRB$*A&;]DI@8V MK"[D6W254":PNA\%O*9W\9:CUQ&%:)":@;/8IBLR<.*`1KY)'798]E*(7:&L M'FB-0U^B.5KRMO=HS,.O;W8QF?221F:\T>P]52A@ M2V^G(D:/&7:;D5^E?5N*\45_VV7DR/6IMGXUC&&$0SOKW@V4KEEXQ4RV=.S4 M)BZ,#31<3HS@U1JL*82U-*8:>R/]T!9`AV[6L72XN86#P'9G/1G<10)K3FFC M+7,P`YO8HJ>=(E,@-8L4NL5(_S6%LJ%M0#K<&&MHB:)J!PJ-8("$#(^FA1N& MC,ES:=D:U"HN5;K'_E_WA:B&;-TS&GQ3/;4Z6DWGJ"BA;;HPD5_!?,X+QW[F M9L[0*VE$H4IN\DCOV%JC#;7J(2.$^#C?\1>>BU'C,H6'!_S"CH*.-$@J\#I; M)V-*EI+M\O%UO$JYQDEW2)K"PO(T:$B5D=C*%-[,2JBAC/G-,LY_9G5E+\2Y MJI_>Q](>K7LX*XI,)N6V M5!(E(E9KI!!5_IY0`@G\OJRO(I+!X_3=F",LD?PAR$C!FQSD>K)D]H]/8 M1I-[\_N3E]`+%,E"M:5!-#UR2\\&ML(MO--++]54-!?9[(53.^S-#&8M:98M M++2(J='1,5+F5^=9R%21&!E*)8_:\B%^+9,/8H-/MWEZO3>]7#2I9'L&5G'4 M1&COB$@`YRYV5W]%1QB@8W=P!-!1)"_[DIA6#:^.%ZMTC1ZJ>>DEKG*VJHR* M*E_(!-.0+%%V07\A(.0"VZYVJ_:NY^3PGVZ1;U(F670G7Z'S(4[GIQ__FUWL MT1$=76]+3YM%"J0KH0_\G%SJU4.Y'!8G+71*I_05V_A[]"1GIRIVW5%N08J/ MJE1`TIO*Y-&EUU:ADUNK6`*UMG@!BXOG#R`SPC8L,<#SF6I`(*PN0`*)Z>4V MD@L=/GZO M9W42%Q26L2Y%L7(5Q:D*+QFKU)$J@;713B9"A;&[^Z:.5-;)EBXP18V*"0#& MN$R3.\*WIOAFE=<1/@-4(PTC0+H`K:\@[*'*F1`DW@#[:!^BZKD.$FN)>_*P M**E*9?8L4\`:K>?,04"4'L/@X1C>L],Q2)UTX8+IPGE)%\[F+,!] M(NG?'+%](`HDJA&1.OXQ&M'6T^7*ZD`IN>7F@P:6+1.YY8S"RIV1+P%FJ`NL M"^-Y,,5%NI[+*V<%ZO3-JHDD3+%9?BE!+.D(!RNT!C>4PEY1:P7@!:)'H@&* MM^EV+RM\.?I&@TU\G5!.8/W5N2&E$5L8X2XJ[MS8S=$91T&<*2R^4&G]>)M+ M^RJETMQQ'6'"TMZ/(X5Y=6Q_.:H=VQ?"#2S;CL1L,O/%;P5E][*#F?`GMLV? M45[S14"?Z\VK>"*[ MI2DXGA5-?3&5$]"X*A4!NH_(U5I31S;.A8^[$`$]+B$ES*()?]NM;4F74`1S9TO$DP)7!@@4K5$,"!R13,11DKP?QJ`(T(MP3D MV5D0ZI5,K7`6J)5T5J$"1.!RUON?V">!3B>BI=&94`4UT@JE5!7=Z-ILE%7D M6C:*TZDTZ*0GDP*$[.2*JF21GD/6P$H:I;5*F^Y>9ST]XY$L6B2+?/.!&7%- MKN8(+T=EJ2_2IMLB\@##*)[&GD3!Z+64$J]YGDB;S9R.)+2+;,,DS_-GHU>= MRZD,MEGN2"#;H8X'(`Q$E0,!REEPF`W-8H^OV=.LWK%L']TT9Y8?D-ECXCN_ MQ/K+>4QM5\UCKW_4T\``2$L4VE9`617LB>,=!@!,&V`_`0AH&HX54LH'6^`\ M_DE'`/4P./24TJS8$__`(_!4$.!Y`-V-U#S:Q#JMH;&`[F(4''X&:6\*1TC. MJ*'IZ]!6ZK6UT"&4'W:5,4&DV+,#=N.*+VT MZLM4;RN5?^UV2?Q=PG^=Y2L2-78YE]JX0G,-Y9^7Z@6Z'NEJ&FNJ:`+/54HJ M*#UL^S14>)59,:)BT:`HJH4,[L&^LB*I]4!W;DLJ54BUO4ANX&@"HB7+LA"6 M&1_$VD_3SJ(6GGR>&XGIF&U6+`W*[M2E/&]+$RS4R98,51HF?)LH>]5&-T"3')-: MKQ&E\D3'&:JYF0'%>(\@[9"$&4&PMEFUQ!.%O!60$4Q"1J>Q(UW4]VRHJ-KX M](T&3<5&8ML8BWF(128+Y67KNN;$G,AY#ZA$IASEZ(*6R)QYGTG_"BCZPO?) MQ87-%U/+<8ZS!^^9!^NS0K)3N. M6)5`JZA32FRF?:Q.",/<<_*@H-O?=?H9^%&30GXI)NHI3$0IZYNMD0]>MS:<2FT?G*B.JEJX1.>Q[? MK\5NH[1VI7)&VDR5\"L#!]<)'G&F-AJIQ?5NRXJDXK9R[>R*WTUB3!$BMX'O MM(WLEFMR)RB2\=7#&/^J7(J?2M*"A[#,K)E=L06(]*:L0Y%&1S7IAUI62EIW M6R9*"QMKDVT]&01C6%*JZC7P=Y3!'\G-A#QGY,S([P"5UF@(WFTEQXK4_L>5PT';F^B8U1Q=GDN/F4; M$,FFKBUU9D7%YFRD49;.$DK"T.&PR@8?RR)T5!H`K:A(NH&H%M=X9K6^EU(W M4V)9RO#,C[`&6KM!2-,Z;DF*=EC"R3-S8JMR&5)V*TK]G=FEX8A03D]/BT*8 M]<2R.0B4FDF51F`Y'66OT]T8+7-+&YRO"G+IH/->[\/0`)*]<@L8BB:1O2/P M`>)]:,SOA-*>U?H\59W2_9?$EYA94#QK8C+2;.@-=S:L/-JU7. MRL#J7:%"]YF$(6&I+4:)5I2*8`?$KKVJXI>23B%H8NP#+>Q&-SHONHG`'-R] M>R!G!?(F6RZ3'FS3\SY)L0;;(MF@<1@#PD]2^.;[=79/3E6<2QF^@R])_ZB. M'YW MZ^P*21XMGV=5=X,Q%I$6IJ>^>`?"Z%(X+\6?*I/$LN42Y4\'S:^Y*DV/L.$6 M18I"4@B9Y(JB\BG1A):^&PC.TW-?5NJ8L?316+222K":@UR67(ZET+FV%>15 M)_/XM"[+:NY=97GJ(LM+MTK1R$0.\BLJ)XM2>[PFDP)Z:5QEG(`(RX^6#\E3 M`#"(Y5J\*@Q:-IU'RY-K]'VE]!4J3QOO`,D!V?V:Z8_4%;#53I)`_:VT"C1/ M,?._'5=\1*"PB;V-?IX)3M.T,:6-\OAPD$FVS&[21&HI"<^,BY[$A@6*VB4N M6V8.=/(89*FU;LO$JA>XZV:/&V!P:'%4!+6HNLJ0%]R8FV/EQBEGN\9;Y4MDJ7;FLC9'GU M%&2C1<*7G#:Y05GLVV'!?@\@C.Z66\XH4HZJ/'NH`JPA;LJ,8/K<+LA_U2GQL+^O^LJXK4F6L++ZPK+-UCAU30A*ZL)!NA5%!&@[J'M)J\279E+5I MVYR!*F[)U9:6]`AN%VXE7T&,*BV'Y2T5^<>&K.>F]P-)$DMT?Z@F(7J)&:5: MJNV^['9?>]F>OTW;.#LDI`[*=8C;9($*K9O84+TLB0TTZ*BD_0@9Y;[0QO9E MSL^**%P^V,CH*]FG9+^*!R6@JH_^I3%WE M0Z4>$M6K$X^HZ>C8&(5Z4"U'8Y)4T)%?1QUGDB-(7EPFA-Y@!MZ\A%X[ MOG(B!LN9S?AU5%[:QUI.+LN?L5Y+MO$]?NUQ?Z2(N2=O-[$&+GFW"K&FW[M!\]/K":A*L6-RXQN-$68S% M].V1A%3AM:2W;33UY-R03*':UK) MX;K5*08E[R<;5BT1;$;^=N3&NMWFZ=5N6_J=EA'_)^DDF5B4'$^6>J)N62-M MB60[GYQ*$]D"9#ZJ#U7*P>919-&:TD+J+'J42%?YNC>/+*4,;R5T*KLEJ50,5**F\(&]K6\ M;57#81A$JS*MK!Q5):VP[.:E@I52U1L7<[=*ZML^3,IK`# MNP+1GA).=\W\@,E5>P7,8.M$:84QK,MMON]:.4Y%=AD=&V@]Z:1/K;[HW9?X MUEP>'54.^;C!BL[5)9&80^73Z`_Z(B+=)YEWF!]&;VK0?#DZ1_I(UWQ\@\<# M%D.35&(HED*UIF%0>>-;'L>,TYO1.5PX62W$8%A(SV(EPCJ6ZSORU;>?COQZ.KX0NCH7B0":.VJ)()@-#C*/UK9_-J$`L@E%1#`7.!_!V`>=0K] M:O%\%52O*/KS:R-D2N>5%:_OVJRHC0?VN2$Y#A>QJ#;Z@+3JCD\^:B;*L*]* M�O/R-EL')AX)O4,F8CM?8M`TJ:WT!OI,VYW$[$'V,TARG4OXSO=+@(G0`C MG%*6]4) M@6/S2?PK$-&BJ15YH=&.'+!,;`+&]\*-)O"0=J%K^BF]OOQP(6<&G4Y_:V'^ MA-E,]FNI6:Z3>S3[\]!R3*FU(])8)C/`XV1@AG+V()AGHB7;^^[@JW6>F[Y#X(&8#<-*K7J=21L5EJ:XW]Y:*D%'&:##CN";!(N_WB6ZLK8.%L;1 M$FGT7U6=GJ@*25F(]6Q=T5'7/;^4>XU![%7FG)K8:+KR7.E,YLF"K(%L6P?Y MW`#?`WH)%!IK.%IQ:2IXVV"5%NS.2N?-DI4]\."Q]:8M3D5J*JB\$)WZN"(/ M&6H*O`DIX=0DS@)>32G+ M@--2@83(LBF!56@%OEUSFJ?DU0Z[:EL.N2Q[TU#[`*\-?U_M44M^[2[[6+./ MM\<>UW[94,6GC=7YDL=X"@30F09BZMN6%[CP>0I,:@J?T6/:E^X:">+9FLH- MF"SRQ0F1<*,9)+SRJ.F3@8^D_ M11;YUDW6UE<'=4C&):+I:8&9*TQT*)&Y9B-2&$V.,:51]S:%6>>D>=96-TEO ME6-U.?G27LP,+#:MIT9):`!ZQ9*9YA5*1JX6IHH3O3\U=2[EF`=T=GY#(QE/ M&Y[Y3?_-JZ345RU*59Y^I-3I6;A,O)43],IE;)5*L>%&V8[+/*CIP(W\6:F^ M"<84:Y"8[JLZOXEQ99;I`#3^2/0#-&6RK_1X5:V02Y&4VHKJ"2?@3X3\'9'J,N4I8Y&BF<2##*)6Q,IU5SDKN?:&\ MO4_4N]-FY@99S:V\[ETJ/0@J?9%MTZX-\@(=W-O+Y@U+YDG5!OE!`S9:M76L MV=!914UPB3?VDT]D2VG`Q0!NS.E(*&*GX&M63==C6)S8:)YC`,)NC;8B:DBX MP$2)58(4"L;58Y1O2;$N?D]CRJH.%;-@MX5/I;I@MFG[ MCDJW?.)$G*V_8?]UJ"1P^!C[+\7(@CQSXF/JYX/LP%B#6!E_J:19%%**<:IE M>^+*'/&L_&DQL/X"0`TCJF=M1H[3A^? MO.%;6SLM4C?:MXU&FCCFF"B'Y,DMAD7CH<8/BH8:D3TL[:*/[`D$[XX1; M[WLZ$WR9M@HI6LAU"KBT!&5S=T-?G(Z^K2_GA*GWJ5E/BG#JQ*7<]$[@R0(- M$=PX7BG!8QM_5LEW2-"6SM$U:`G'Q>(<'N=2/\%RC:?EC!/*0X]I-AV=75N^ MZ]LW8PPC@WG%O_/&]'TRTIGK,IG$MI+U#44T&MD4RX)8YB:7@A==6?!XI^L= M!A[4YJ)5)D><]O.R5V.36K\=26+]6M6HK7T>P75<8A`@Y;N$^$&"7AP@3\:X M*^IG]KHARF(,NN?SB&TO.*AH?3N4=0262R4/J-S`%`XLU(IVX-KPX_T!GYMRZ))%3&4RE'9!PKQ!V7Q MZI>?3>:!::J4'D^5Q2O5F8>=_P[#:%_A*4Q!OS=C-*>?WYLK6N6@'YXIFC/0 M'Y`GFO//'YDGFG/.#TP2C1GG!V:(YJSSU?S0E&V^GAV:CRQ[TR;Y[6'/HM,/*^D+;5U]H MRVH?UCX.3=FSE[JXB(OMR+-_^O$?,/8KM(:$^&$J/Z"H.+/YO2Q%++/^8D/Z M6;^!A7^#6C/]!3?H07Z`BRCC(S#`](@+>W3`/@%)P)@4[`2+'P M[[YB#1ZJ87VL>X&ER>!=.'6&%&X8M52<5C6G#S@\9<.CBS@`4GE`-UV\!TU= MD)K#8?4<@,@$,[J11H)L^$,K._`)4S.OUG?`TC1P4M%U-"`!OE;GP7(QM3_7 MBX;-K!1\8#Q&[/>M*94,<>E2@T4DN8#(E,J^!7!]F8JR&,1[L\:P[F5L_%,M M*W_;W)A_^6/@DR,QH#]7);'I#CZ-.`5L%.[G#L06].[LY1)`:'Q`'UF_$/\> MP#',6N'C0S@'UA=0S8[E'R@..B"G>.B"@1G!@$P.XB8!2#PS/"J`O)@L;2AG MB>@**V>.^IP:CPGA/$^%@__9+AFE/U(*,#^*FR#.C]1AD8=A]+Y:,_QRBTIE,&X"_)7MKK;7NZ5B"B MB\($L`,LC\<]'Y(47G>^U_7>7^'FWZ>:Y9_URS_KEF_7/-^G*&SS7K:TV>:]8_ MUZQ_KEG_KU^S_B@!S*C>]+2U[(_0FOQ*RDP_%ZU_+EJ_UQKZ7+3^N6C]<]'Z MYZ+UST7K_Z6+UN^I*SW$[ZTS1]%A$M*_007>IZ]0.VB#,,W`?QY5+:_>ZW/M MO.?:>?_?U,X;=#:&U*M[&AW^S(V*Z3I2M-:S8RY MOZ!'9X;F'@K]G&[Y.=WROUNZY;XCVYOS=!?QL6$E9[\:>A%%#H0472J?Q9>>`+?EETH;WZ5>45H"*V:D\,0>FD6(@'P!< MDZ'H#L?0X9AHB#'<=^\PD=S;;;(J&JF$JVEOZK]R>B,C]P&E+]K[U+LV!UU# M(*S_,B1!0F/YZJ)1_^'0>T9C-8.N&QRJ9A]J>ZTD^U/UX MUQ,#5^P.7W$SNT[]B<$)=1K+.2R53N?,.(O.D:#P$!2?DA508B[^I^^&E3OK M0-K:FB"EG@JED?K$$MW'\.@N:T\?UV][3I;'S[>KWSV39O-)]^#\^YY.!B&& MP5C[M[S"\266R!$:]`@$_XG6).UY]H)J\U:PL)\YEV*%T01FWI6@J1!_%UV# M#T\4MEONU]0 M.Y!J`G\[1K8%ZGVU/U?*OA%A!P_WWQC0J?2Z&/"D\L08\*@I3^`GK;([N.UY MAUO+H/EJ5Y5#YU!I^E13^-!P@!G00\6%YM!EU!H/G<`!M(#EJ<;0@WDH)PAI M/T@;C+Y?-(F?9X]5_A$5H%]_)+3'TSV/5"/\12W"OUGPHY%18L`C`/,!DVUO M.&`)[0T/6]CC:RH:&M3H&%#U]'0R7 MGKX.1>%A7+[KN:$HWMEZ$,IWMG[$8H@PM*M'`&B_O+/G\2.` MTMK)H>!H[>0P0`R7&[N?'+;\WO8#5M[;_E&+WK__>QLR>]H]K0:MJ(>N[UU>3]M#UMK7S<"%]W0Q"`JM!WGO^EM;';+R M]@X&KKFU<==JAQ"NMO4.:;=GQ8.ZZ%[SD.9=JSZ<(OF/HDBEWI\L\4,KEL3&ZM!L/>%1EGY)9I8QL4:VK M[T\>]?C]"X:KOEM`3-U334D)[.\^9L#PWF3Y/6!F0S-=)I#H,L;I.*+.IJ]; MK65&^HFV[>-L%(^'5G@LM,SHW"9&&#&@U;#/,KJS2=G*6-'!C3@V]+%@.,9I MHV+Z*1.9;Z25B/S_YECNOJPDNVL#JJH+H@N0ZJZVY4'9Q'F;.\798L'I_K%` MZV,Z^JC<((U69B%4=";:VX7)&'%5T;/068I!5P_ND'AQZN#>( M;GM&96=C"M\S7#MT)IAAY[X[,K1A2!L2&-K8WY;XT(96L3-`M&?.S5C18:`^ MXJ!(GK31/.E*3@.+2DIWC&R7B^MXA<;^O"/*NU6;?[XKMMDBI:?F<,A4W_7G MJJ5$A\8+]^Q96/0_U?=@^Z0-9ZTVW+)M)ZV_V"YCWK(P/!(>*IW+01`Q&PV`22>25.[I M/'I#MP!W;`U*!:GD\WRY0VTO:7PPQG+'A>0I'G-?8IJORBBVMT:$-&E]/UQ? MCZ4"8GQYFR1;\1$/W",4<"!DI5L>`0XGM,?[,]>8:;W__YD+\>)$E`JBG`@< M&XSY7688RPVS+^/#^^Z\?7/`Z%JE?MLVE6"=F3D.UFGI#`8UM]RA(4(F<,XX MYP>I2\LX1#5#BA@NA\.GS`P`XFM*`M('L,98XD2-\]!`;W-AG7%,YD./C6DR M^SHXC4+_MK0&1O8U46'`,F/%<5O;V^$@D#9:/26,&YT_*=!;('CD+KA/O0ON M4;O@_IR[X/ZLN^`^P2YX3[T+WE&[X/VX65/HP'Y M7O;TT*F'W].N00&.FG^CE\9(7>TZ_0.V*% M^T0_#M>I##>N#S?N'@Y^:T]X,U2@;$G%4W_D.Z%OJ'4O4<^XT+'E\B^\?K*G,B-JNYI49-;57+0K7UDG7'_(BP;\V M+QE[UA9_;EN;Y[7:0"B#4>-9-^@8_#E944^RHKT'^8"H_D:*H`8:=&4,:CS8 MGJ*C,6!/.I[!AO#N59AI;)J2R2#AXSNW062^\QI?H=\@0`//\.N[QA7Z["9/ MRI@QV$;29)1Y-,4JR6^HFNWE=B+^&*]JN04.5J_5I]-['?X(:+[>-44WI95: M&WE`M:YHF&Y(=:$TFF.EM9+KZ5%+=4.4.=,?=\N)<$(.&$?(U9?\>+#W^_!T M2;SLX75BIJ+A$R]>.)'E>WYCJ>?HUJ[R[:3K;;R^2:^:,8$?@!+D)DHW9`/T M)9*ZDSFY4C1\>:H^*%@((%V0'VO3,_"U)KA7<8Z)-L1FE\]OT2FQ+>U&RWY= MQ!BQ>YO0'00.@KF!^[(G&)LK-V0OCO]]\(;_O=SPUMVK)A**6\T6G?C9H44\ M^`P[O2Z\%0BU*YY38":D8)PC[[;(NY4]8C'U.<*&$(HPID4IC&8"/*H`P;N, M')WE`KIPR[%;C0AE`HI*.B[*]\:\M=CU:ZA9J0P7SOE0NF-,7\T6O5YME]I`D@@'YX7X-^'.;;L0%HE2_+MT`VT+):.BA)0G?5=J` M&R:,+M!'2P#*H=I>+.*'!CIX=NO7QHCS=C+2GA;$J4I@7Q3%]JO_!U!+`0(4 M`Q0````(`+UZ#D=XY$XD]0$``#\A```3``````````````"``0````!;0V]N M=&5N=%]4>7!E&UL4$L!`A0#%`````@`O7H.1TAU!>[%````*P(```L` M`````````````(`!)@(``%]R96QS+RYR96QS4$L!`A0#%`````@`O7H.1ZKL M&"/T`0``_R```!H``````````````(`!%`,``'AL+U]R96QS+W=O,=`P``[0T``!`````````` M`````(`!0`4``&1O8U!R;W!S+V%P<"YX;6Q02P$"%`,4````"`"]>@Y'T%;V MI#\!``!I`P``$0``````````````@`&+"```9&]C4')O<',O8V]R92YX;6Q0 M2P$"%`,4````"`"]>@Y'F5R<(Q`&``"<)P``$P``````````````@`'Y"0`` M>&PO=&AE;64O=&AE;64Q+GAM;%!+`0(4`Q0````(`+UZ#D?@/??`3`(``.`) M```-``````````````"``3H0``!X;"]S='EL97,N>&UL4$L!`A0#%`````@` MO7H.1Q[2/A=C!```SQ$```\``````````````(`!L1(``'AL+W=O@Y' M0)[K4MX#``#3$@``&```````````````@`'#&0``>&PO=V]R:W-H965T&UL4$L!`A0#%`````@`O7H.1[,>K8YU`@``#`D``!@````````` M`````(`!UQT``'AL+W=O@Y'#?@5BDD"``!.!P``&``` M````````````@`'A)0``>&PO=V]R:W-H965T&UL4$L!`A0# M%`````@`O7H.1S9>[122`P``BQ```!@``````````````(`!8"@``'AL+W=O M#,QWP$``,X$ M```8``````````````"``2@L``!X;"]W;W)K@Y'4,,AMZX$```W&```&```````````````@`$]+@`` M>&PO=V]R:W-H965T&UL4$L!`A0#%`````@`O7H.1]29-$>A M`0``L0,``!@``````````````(`!(3,``'AL+W=O&UL4$L!`A0#%`````@`O7H. M1[3>@6*?`0``L0,``!D``````````````(`!SC8``'AL+W=O@Y'(/3%6Z$!``"Q`P``&0`````` M````````@`&D.```>&PO=V]R:W-H965T&UL4$L!`A0#%`````@`O7H.1QSIQ^J@`0``L0,` M`!D``````````````(`!4CP``'AL+W=O@Y'HY:(PZ$!``"Q`P``&0``````````````@`$I/@`` M>&PO=V]R:W-H965T&UL4$L!`A0#%`````@`O7H.1P-L>'Z@`0``L0,``!D````````````` M`(`!UD$``'AL+W=O@Y'EFV2.*`!``"Q`P``&0``````````````@`&M0P``>&PO=V]R:W-H965T M&UL4$L!`A0# M%`````@`O7H.1WE[,G&M`0``%@0``!D``````````````(`!7$<``'AL+W=O M@Y'+&3[+,@!``#@ M!```&0``````````````@`%`20``>&PO=V]R:W-H965TSATNR\`$``!,&```9``````````````"``3]+ M``!X;"]W;W)K&UL4$L!`A0#%`````@`O7H.1[R> M^"^B`0``L0,``!D``````````````(`!9DT``'AL+W=O@Y'GY5'\Z,!``"Q`P``&0`````````` M````@`$_3P``>&PO=V]R:W-H965T&UL4$L!`A0#%`````@`O7H.1PW!$H:Z`0``>P0``!D` M`````````````(`!]%(``'AL+W=O@Y'FISN2:8!``"Q`P``&0``````````````@`'E5```>&PO M=V]R:W-H965T&UL4$L!`A0#%`````@`O7H.1UDR\]U3`P``S0\``!D``````````````(`! MVE@``'AL+W=O@Y' MHF1G*!D#``";#@``&0``````````````@`%D7```>&PO=V]R:W-H965T&UL4$L!`A0#%``` M``@`O7H.1U6S?E2``P``N1```!D``````````````(`!0V(``'AL+W=O&PO=V]R:W-H965TY.9@Y/P4``-T>```9``````````````"``>9G``!X M;"]W;W)K&UL4$L!`A0#%`````@`O7H.1[7GES_% M"```)SX``!D``````````````(`!7&T``'AL+W=O@Y'RL&PO=V]R:W-H965T6SL7*>@0``.P:```9``````````````"``99Y``!X;"]W;W)K&UL4$L!`A0#%`````@`O7H.1Z7#H:U4!0``GB```!D````` M`````````(`!1WX``'AL+W=O@Y'J&PO=V]R M:W-H965T&UL M4$L!`A0#%`````@`O7H.1_X=4"E!`@``80<``!D``````````````(`![),` M`'AL+W=O@Y'&PO=V]R:W-H965T&UL4$L!`A0#%`````@` MO7H.1YDEC;]'`P``C@\``!D``````````````(`!QYH``'AL+W=O&PO=V]R:W-H965T*+?C/R0$``$0$```9``````````````"``4VA``!X;"]W M;W)K&UL4$L!`A0#%`````@`O7H.1^D>`FZG`0`` M]`,``!D``````````````(`!3:,``'AL+W=O@Y';9=+?/$$``"R(```&0``````````````@`$K MI0``>&PO=V]R:W-H965T&UL4$L!`A0#%`````@`O7H.1QV[^'Z0!```JA<``!D````````` M`````(`!5*T``'AL+W=O@Y'HW(*?6<"``#S!P``&0``````````````@`$;L@``>&PO=V]R:W-H M965T&UL4$L! M`A0#%`````@`O7H.1X8J+HF2`0``?`,``!D``````````````(`!,[<``'AL M+W=O@Y'=13B0%0" M```L"```&0``````````````@`'\N```>&PO=V]R:W-H965T[``!X;"]S:&%R9613=')I;F=S+GAM;%!+!08`````/P`_`"L1``"P_@`` "```` ` end XML 14 R46.htm IDEA: XBRL DOCUMENT v3.2.0.727

Earnings Per Share (Detail Textuals) - shares
6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Earnings Per Share [Abstract]

Antidilutive options excluded from computation of earnings per share 7,900 15,850

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Antidilution

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Diluted Earnings Per Share

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Contingent Stock Agreement

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (c)

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

+ Details

Name: us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_EarningsPerShareAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 15 R33.htm IDEA: XBRL DOCUMENT v3.2.0.727

Securities Available for Sale (Detail Textuals)
$ in Thousands

Jun. 30, 2015

USD ($)

Security

Dec. 31, 2014

USD ($)

Security

Investments, Debt and Equity Securities [Abstract]

Pledged securities carrying value $ 22,712 $ 20,961

Number of securities in unrealized loss positions | Security 32 37

X

- Definition
The fair value of available-for-sale securities that serve as collateral for borrowings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5086-111524

+ Details

Name: us-gaap_AvailableForSaleSecuritiesPledgedAsCollateral

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Number of investment positions in available-for-sale investments in a continuous unrealized loss position for which an other-than-temporary impairment (OTTI) has not been recognized in the income statement.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 6

-Subparagraph (b)(3)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

+ Details

Name: us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1

Namespace Prefix: us-gaap_

Data Type: xbrli:integerItemType

Balance Type: na

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 16 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 17 R25.htm IDEA: XBRL DOCUMENT v3.2.0.727

Earnings Per Share (Tables)
6 Months Ended

Jun. 30, 2015

Earnings Per Share [Abstract]

Schedule of basic and diluted earnings per share

Three Months Ended June 30, 2015

Per Share

Income Shares Amount

Basic earnings per share:

Net income $ 550 737,100 $ 0.75

Effect of dilutive securities:

Stock options 349

Diluted earnings per share:

Net income plus assumed conversions $ 550 737,449 $ 0.75

Six Months Ended June 30, 2015

Per Share

Income Shares Amount

Basic earnings per share:

Net income $ 1,043 739,453 $ 1.41

Effect of dilutive securities:

Stock options 349

Diluted earnings per share:

Net income plus assumed conversions $ 1,043 739,802 $ 1.41

Three Months Ended June 30, 2014

Per Share

Income Shares Amount

Basic earnings per share:

Net income $ 96 760,546 $ 0.13

Effect of dilutive securities:

Stock options 1,070

Diluted earnings per share:

Net income plus assumed conversions $ 96 761,616 $ 0 .13

Three Months Ended June 30, 2015

Per Share

Income Shares Amount

Basic earnings per share:

Net income $ 347 761,808 $ 0.45

Effect of dilutive securities:

Stock options 1,070

Diluted earnings per share:

Net income plus assumed conversions $ 347 762,878 $ 0.45

X

- References
No definition available.
+ Details

Name: us-gaap_EarningsPerShareAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of an entity's basic and diluted earnings per share calculations, including a reconciliation of numerators and denominators of the basic and diluted per-share computations for income from continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

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

+ Details

Name: us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 18 R50.htm IDEA: XBRL DOCUMENT v3.2.0.727

Fair Value Measurements (Details 2) - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Jun. 30, 2014

Dec. 31, 2013

Financial assets:

Cash and cash equivalents $ 19,865 $ 14,373 $ 12,067 $ 12,625

Certificates of deposit 1,241 4,181

Federal funds sold 3,000 2,000

Securities available for sale 32,822 34,177

Federal Home Loan Bank stock 2,068 2,079

Loans held for sale 3,567 1,707

Loans receivable, net 177,859 182,050

Accrued interest receivable 966 834

Mortgage servicing rights 1,871 1,886

Financial liabilities:

Deposits 220,860 221,972

Advances from borrowers for taxes and insurance 2,621 2,630

Accrued interest payable 60 17

Redeemable common stock 2,383 2,533

Fair Value

Financial assets:

Cash and cash equivalents ^[1] 19,865 14,373

Certificates of deposit ^[2] 1,241 4,181

Federal funds sold ^[2] 3,000 2,000

Securities available for sale ^[2] 32,822 34,177

Federal Home Loan Bank stock ^[2] 2,068 2,079

Loans held for sale ^[2] 3,567 1,707

Loans receivable, net ^[2] 177,463 183,219

Accrued interest receivable ^[2] 966 834

Mortgage servicing rights ^[3] 2,666 2,578

Financial liabilities:

Deposits ^[2] 214,033 215,199

Advances from borrowers for taxes and insurance ^[2] 2,621 2,630

Accrued interest payable ^[2] 60 17

Redeemable common stock ^[3] $ 2,383 $ 2,533

[1] Level 1

[2] Level 2

[3] Level 3

X

- Definition
Carrying amount of accumulated prepayments received by financial institutions from borrowers for taxes (for example, property taxes) and insurance (for example, property and catastrophe) which will periodically be remitted to the appropriate governmental agency or vendor on behalf of the borrower.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.15(5))

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

+ Details

Name: us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_AssetsFairValueDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=51813488&loc=d3e22054-111558

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=49167202&loc=d3e26610-111562

+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash

-URI http://asc.fasb.org/extlink&oid=6506951

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section 45

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=28358313&loc=d3e6676-107765

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3044-108585

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash Equivalents

-URI http://asc.fasb.org/extlink&oid=6507016

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.1)

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

+ Details

Name: us-gaap_CashAndCashEquivalentsAtCarryingValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
A savings certificate entitling the Entity (that is, bearer) to receive interest at an established maturity date, based upon a fixed interest rate. A certificate of deposit may be issued in any denomination. Certificates of deposit are generally issued by commercial banks and, therefore, insured by the FDIC (up to the prescribed limit). Certificates of deposit generally restrict holders from withdrawing funds on demand without the incurrence of penalties. Generally, only certificates of deposit with original maturities of three months or less qualify as cash equivalents. Original maturity means original maturity to the entity holding the investment. As a related example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three-years ago does not become a cash equivalent when its remaining maturity is three months.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash Equivalents

-URI http://asc.fasb.org/extlink&oid=6507016

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.1)

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

+ Details

Name: us-gaap_CertificatesOfDepositAtCarryingValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

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

+ Details

Name: us-gaap_Deposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The amount outstanding of funds lent to other depository institutions, securities brokers, or securities dealers in the form of Federal Funds sold; for example, immediately available funds lent under agreements or contracts that mature in one business day or roll over under a continuing contract, regardless of the nature of the transaction or the collateral involved, excluding overnight lending for commercial and industrial purposes. Also include Federal Funds sold under agreements to resell on a gross basis, excluding (1) sales of term Federal Funds, (2) due bills representing purchases of securities or other assets by the reporting bank that have not yet been delivered and similar instruments, (3) resale agreements that mature in more than one business day involving assets other than securities, and (4) yield maintenance dollar repurchase agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.3)

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

+ Details

Name: us-gaap_FederalFundsSold

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 325

-Section 45

-Paragraph 1

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

+ Details

Name: us-gaap_FederalHomeLoanBankStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of interest payable on debt, including, but not limited to, trade payables.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.15(5))

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-03.15(a))

-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

+ Details

Name: us-gaap_InterestPayableCurrentAndNoncurrent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Carrying amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.8)

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

+ Details

Name: us-gaap_InterestReceivable

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_LiabilitiesFairValueDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7)

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

+ Details

Name: us-gaap_LoansAndLeasesReceivableNetReportedAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The face amount of loans that will be sold to other entities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

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

+ Details

Name: us-gaap_LoansReceivableHeldForSaleAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Carrying amount, attributable to parent and noncontrolling interests, of an entity's issued and outstanding stock which is not included within permanent equity. Temporary equity is a security with redemption features that are outside the control of the issuer, is not classified as an asset or liability in conformity with GAAP, and is not mandatorily redeemable. Includes any type of security that is redeemable at a fixed or determinable price or on a fixed or determinable date or dates, is redeemable at the option of the holder, or has conditions for redemption which are not solely within the control of the issuer. Includes stock with a put option held by an ESOP and stock redeemable by a holder only in the event of a change in control of the issuer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.27(b))

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

+ Details

Name: us-gaap_TemporaryEquityCarryingAmountIncludingPortionAttributableToNoncontrollingInterests

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Represents net amount of mortgage servicing rights.
+ References
No definition available.
+ Details

Name: wefp_MortgageServicingRightsNet

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 19 R42.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loan Servicing (Details) - USD ($)
$ in Thousands
6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Servicing Asset at Amortized Cost, Balance [Roll Forward]

Balance at beginning of year, net $ 1,886 $ 1,952

Mortgage servicing rights capitalized 162 107

Amortization expense $ (177) $ (150)

Valuation provision change

Balance at end of period, net $ 1,871 $ 1,909

X

- Definition
Amortized amount of contract to service financial assets under which the benefits of servicing are expected to more than adequately compensate the servicer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 25

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=7524895&loc=d3e120260-111741

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6469459&loc=d3e122492-111745

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6469459&loc=d3e122501-111745

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 50

-Paragraph 4

-Subparagraph (a)(1)

-URI http://asc.fasb.org/extlink&oid=56950315&loc=d3e122739-111746

+ Details

Name: us-gaap_ServicingAssetAtAmortizedValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of additions from purchases, assumption or transfer to contract to service financial assets under which the benefits of servicing are expected to more than adequately compensate the servicer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 50

-Paragraph 4

-Subparagraph (a)(2)

-URI http://asc.fasb.org/extlink&oid=56950315&loc=d3e122739-111746

+ Details

Name: us-gaap_ServicingAssetAtAmortizedValueAdditions

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of amortization of contract to service financial assets under which the benefits of servicing are expected to more than adequately compensate the servicer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 50

-Paragraph 4

-Subparagraph (a)(4)

-URI http://asc.fasb.org/extlink&oid=56950315&loc=d3e122739-111746

+ Details

Name: us-gaap_ServicingAssetAtAmortizedValueAmortization1

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

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

Name: us-gaap_ServicingAssetAtAmortizedValueBalanceRollForward

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of valuation allowance applied to contract to service financial assets under which the benefits of servicing are expected to more than adequately compensate the servicer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 50

-Paragraph 4

-Subparagraph (a)(5)

-URI http://asc.fasb.org/extlink&oid=56950315&loc=d3e122739-111746

+ Details

Name: us-gaap_ServicingAssetAtAmortizedValueValuationAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

XML 20 R37.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loans Receivable and Loans Held for Sale (Details 3) - Loans receivable - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total $ 47,394 $ 48,120

Pass

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total 45,019 43,624

Special Mention

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total 1,475 3,556

Substandard

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total $ 900 $ 940

Doubtful

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total

Commercial | Real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total $ 32,576 $ 30,653

Commercial | Real estate | Pass

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total 30,444 26,449

Commercial | Real estate | Special Mention

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total 1,427 3,556

Commercial | Real estate | Substandard

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total $ 705 $ 648

Commercial | Real estate | Doubtful

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total

Commercial | Construction real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total $ 1,154 $ 4,035

Commercial | Construction real estate | Pass

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total $ 1,154 $ 4,035

Commercial | Construction real estate | Special Mention

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total

Commercial | Construction real estate | Substandard

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total

Commercial | Construction real estate | Doubtful

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total

Commercial | Operating and term

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total $ 6,839 $ 5,718

Commercial | Operating and term | Pass

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total 6,629 $ 5,426

Commercial | Operating and term | Special Mention

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total 15

Commercial | Operating and term | Substandard

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total $ 195 $ 292

Commercial | Operating and term | Doubtful

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total

Agricultural | Operating and term

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total $ 6,825 $ 7,714

Agricultural | Operating and term | Pass

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total 6,792 $ 7,714

Agricultural | Operating and term | Special Mention

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total $ 33

Agricultural | Operating and term | Substandard

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total

Agricultural | Operating and term | Doubtful

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total

X

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

Name: us-gaap_AccountsNotesAndLoansReceivableLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.3)

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

+ Details

Name: us-gaap_NotesReceivableNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_LoansReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=wefp_OperatingAndTermLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=wefp_AgriculturalPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 21 R52.htm IDEA: XBRL DOCUMENT v3.2.0.727

Subsequent Events (Details 1) - Jul. 16, 2015 - Subsequent Event - Agreement and plan of conversion merger - St. James - USD ($)
$ in Thousands

Total

Subsequent Event [Line Items]

Cash and cash equivalents $ 6,938

Securities 1,053

Loans (contractual amount $17,434) 17,102

Core deposit intangible 287

Other assets 683

Total assets 26,063

Deposits 22,971

Other liabilities 38

Total liabilities 23,009

Net assets acquired $ 3,054

Fair value of consideration

Estimated bargain purchase gain $ 3,054

Total $ 3,054

X

- Definition
In a business combination in which the amount of net identifiable assets acquired and liabilities assumed exceeds the aggregate consideration transferred or to be transferred (as defined), this element represents the amount of gain recognized by the entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 30

-Section 25

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6911189&loc=d3e6393-128476

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 30

-Section 30

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=6911251&loc=d3e6527-128477

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 30

-Section 50

-Paragraph 1

-Subparagraph (f)(1)

-URI http://asc.fasb.org/extlink&oid=35744584&loc=d3e6927-128479

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 30

-Section 30

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=6911251&loc=d3e6571-128477

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 30

-Section 25

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6911189&loc=d3e6387-128476

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 30

-Section 25

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=6911189&loc=d3e6396-128476

+ Details

Name: us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of assets acquired at the acquisition date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=56956791&loc=d3e4845-128472

+ Details

Name: us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of currency on hand as well as demand deposits with banks or financial institutions, acquired at the acquisition date. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=56956791&loc=d3e4845-128472

+ Details

Name: us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of investments in debt and equity securities, including, but not limited to, held-to-maturity, trading and available-for-sale expected to be converted to cash, sold or exchanged within one year or the normal operating cycle, if longer, acquired at the acquisition date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=56956791&loc=d3e4845-128472

+ Details

Name: us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsMarketableSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount due from customers or clients for goods or services, including trade receivables, that have been delivered or sold in the normal course of business, and amounts due from others, including related parties expected to be converted to cash, sold or exchanged within one year or the normal operating cycle, if longer, acquired at the acquisition date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=56956791&loc=d3e4845-128472

+ Details

Name: us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsReceivables

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of intangible assets, excluding goodwill, acquired at the acquisition date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=56956791&loc=d3e4845-128472

+ Details

Name: us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of liabilities assumed at the acquisition date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=56956791&loc=d3e4845-128472

+ Details

Name: us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount recognized as of the acquisition date for the identifiable assets acquired in excess of (less than) the aggregate liabilities assumed.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 10

-Section 55

-Paragraph 37

-URI http://asc.fasb.org/extlink&oid=35744172&loc=d3e2207-128464

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=56956791&loc=d3e4845-128472

+ Details

Name: us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of long-term debt due after one year or the normal operating cycle, if longer, assumed at the acquisition date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=56956791&loc=d3e4845-128472

+ Details

Name: us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesLongTermDebt

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of other liabilities due after one year or the normal operating cycle, if longer, assumed at the acquisition date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=56956791&loc=d3e4845-128472

+ Details

Name: us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesOther

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of other assets expected to be realized or consumed after one year or the normal operating cycle, if longer, acquired at the acquisition date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=56956791&loc=d3e4845-128472

+ Details

Name: us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherNoncurrentAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value at acquisition-date of the equity interest in the acquiree held by the acquirer, immediately before the acquisition date for businesses combined in stages.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (g)(1)

-URI http://asc.fasb.org/extlink&oid=56956515&loc=d3e1392-128463

+ Details

Name: us-gaap_BusinessCombinationStepAcquisitionEquityInterestInAcquireeFairValue1

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Detail information of subsequent event by type. User is expected to use existing line items from elsewhere in the taxonomy as the primary line items for this disclosure, which is further associated with dimension and member elements pertaining to a subsequent event.
+ References
No definition available.
+ Details

Name: us-gaap_SubsequentEventLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Represents fair value of total consideration.
+ References
No definition available.
+ Details

Name: wefp_BusinessCombinationStepAcquisitionFairValueOfConsiderationTotal

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Details

Name: us-gaap_SubsequentEventTypeAxis=us-gaap_SubsequentEventMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: wefp_AgreementAxis=wefp_AgreementAndPlanOfConversionMergerMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_BusinessAcquisitionAxis=wefp_StJamesFederalSavingsAndLoanAssociationMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 22 R47.htm IDEA: XBRL DOCUMENT v3.2.0.727

Financial Instruments With Off-Balance-Sheet Risk (Detail Textuals) - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Commitments to extend credit

Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]

Commitments to extend credit on loans total $ 44,825 $ 38,110

X

- Definition
The fair value of financial liabilities, which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 10

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13433-108611

+ Details

Name: us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

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

Name: us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_FinancialInstrumentAxis=us-gaap_CommitmentsToExtendCreditMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 23 R9.htm IDEA: XBRL DOCUMENT v3.2.0.727

Nature of Operations
6 Months Ended

Jun. 30, 2015

Nature Of Operations [Abstract]

Nature of Operations
Note 1. Nature of Operations

Operations of Wells Financial Corp. (the Company) primarily consist of banking services through Wells Federal Bank (the Bank), and Wells Insurance Agency, Inc., a property and casualty insurance agency. The Company serves its customers through the Bank’s nine locations in south central Minnesota.

X

- Definition
The entire disclosure for the nature of an entity's business, major products or services, principal markets including location, and the relative importance of its operations in each business and the basis for the determination, including but not limited to, assets, revenues, or earnings. For an entity that has not commenced principal operations, disclosures about the risks and uncertainties related to the activities in which the entity is currently engaged and an understanding of what those activities are being directed toward.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 275

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=51801978&loc=d3e6003-108592

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 275

-SubTopic 10

-Section 50

-Paragraph 2A

-URI http://asc.fasb.org/extlink&oid=51801978&loc=SL51803626-108592

+ Details

Name: us-gaap_NatureOfOperations

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: wefp_NatureOfOperationsAbstract

Namespace Prefix: wefp_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 24 R43.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loan Servicing (Detail Textuals) - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Loan Servicing [Abstract]

Unpaid principal balance of one to four family residential real estate loans $ 322,992 $ 332,075

Custodial escrow balance 2,328 2,347

Fair value of mortgage servicing rights 2,666 2,578

Mortgage servicing rights valuation allowance $ 15 $ 15

X

- Definition
The designation of funds furnished by a borrower to a lender to assure future payments of the borrower's real estate taxes and insurance obligations with respect to a mortgaged property. Escrow deposits may be made for a variety of other purposes such as earnest money and contingent payments. This element excludes replacement reserves which are an escrow separately provided for within the US GAAP taxonomy.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.10)

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

+ Details

Name: us-gaap_EscrowDeposit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of a liability representing servicing arrangements under which the estimated future revenue from contractually specified servicing fees, late charges, and other ancillary revenues are not expected to adequately compensate the servicer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6469459&loc=d3e122492-111745

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 50

-Paragraph 3

-Subparagraph (a)(1)

-URI http://asc.fasb.org/extlink&oid=56950315&loc=d3e122625-111746

+ Details

Name: us-gaap_ServicingLiabilityAtFairValueAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: wefp_LoanServicingAbstract

Namespace Prefix: wefp_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Represents mortgage servicing rights valuation allowance.
+ References
No definition available.
+ Details

Name: wefp_MortgageServicingRightsValuationAllowance

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Represents unpaid principal balance.
+ References
No definition available.
+ Details

Name: wefp_UnpaidPrincipalBalance

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

XML 25 R29.htm IDEA: XBRL DOCUMENT v3.2.0.727

Securities Available for Sale (Details) - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Schedule of Available-for-sale Securities [Line Items]

Amortized Cost $ 32,760 $ 34,026

Gross Unrealized Gains 279 378

Gross Unrealized Losses (217) (227)

Fair Value 32,822 34,177

Residential mortgage-backed agencies

Schedule of Available-for-sale Securities [Line Items]

Amortized Cost 22,041 22,677

Gross Unrealized Gains 57 60

Gross Unrealized Losses (175) (192)

Fair Value 21,923 22,545

SBA pools

Schedule of Available-for-sale Securities [Line Items]

Amortized Cost 1,674 1,835

Gross Unrealized Gains $ 6 6

Gross Unrealized Losses (9)

Fair Value $ 1,680 1,832

Obligations of states and political subdivisions

Schedule of Available-for-sale Securities [Line Items]

Amortized Cost 9,005 9,474

Gross Unrealized Gains 138 250

Gross Unrealized Losses (42) (26)

Fair Value 9,101 9,698

Government-sponsored enterprise equity

Schedule of Available-for-sale Securities [Line Items]

Amortized Cost 40 40

Gross Unrealized Gains $ 78 $ 62

Gross Unrealized Losses

Fair Value $ 118 $ 102

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=51813488&loc=d3e22054-111558

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=49167202&loc=d3e26610-111562

+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This item represents the cost of debt and equity securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2)

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

+ Details

Name: us-gaap_AvailableForSaleSecuritiesAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

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

Name: us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Represents the amount of accumulated pre-tax unrealized gains before deducting pre-tax unrealized losses on investments in available-for-sale securities impacting investments.
+ References
No definition available.
+ Details

Name: wefp_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInInvestments

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Represents the amount of accumulated pre-tax unrealized loss before deducting pre-tax unrealized gain on investments in available-for-sale securities impacting investments.
+ References
No definition available.
+ Details

Name: wefp_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInInvestments

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_ResidentialMortgageBackedSecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=wefp_SbaPoolsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USStatesAndPoliticalSubdivisionsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=wefp_UsGovernmentSponsoredEnterprisesEquitySecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 26 R28.htm IDEA: XBRL DOCUMENT v3.2.0.727

Certificates of Deposit (Detail Textuals) - USD ($)
$ in Thousands
6 Months Ended

Jun. 30, 2015

Dec. 31, 2014

Certificates Of Deposit [Abstract]

Certificates of deposit with carrying value $ 1,241 $ 4,181

Certificates of deposit, weighted average yield percent 0.67% 0.41%

Certificates of deposit, contractual maturities Less than one year

X

- Definition
A savings certificate entitling the Entity (that is, bearer) to receive interest at an established maturity date, based upon a fixed interest rate. A certificate of deposit may be issued in any denomination. Certificates of deposit are generally issued by commercial banks and, therefore, insured by the FDIC (up to the prescribed limit). Certificates of deposit generally restrict holders from withdrawing funds on demand without the incurrence of penalties. Generally, only certificates of deposit with original maturities of three months or less qualify as cash equivalents. Original maturity means original maturity to the entity holding the investment. As a related example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three-years ago does not become a cash equivalent when its remaining maturity is three months.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash Equivalents

-URI http://asc.fasb.org/extlink&oid=6507016

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.1)

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

+ Details

Name: us-gaap_CertificatesOfDepositAtCarryingValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: wefp_CertificatesOfDepositAbstract

Namespace Prefix: wefp_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Represents contractual maturities of certificates of deposit.
+ References
No definition available.
+ Details

Name: wefp_CertificatesOfDepositContractualMaturities

Namespace Prefix: wefp_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Represents percentage of weighted-average yield of certificates of deposit.
+ References
No definition available.
+ Details

Name: wefp_CertificatesOfDepositWeightedAverageYieldPercent

Namespace Prefix: wefp_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

XML 27 R44.htm IDEA: XBRL DOCUMENT v3.2.0.727

Stockholders' Equity, Regulatory Capital and Dividend Restrictions (Details) - Wells Federal Bank - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]

Tier I capital (to average assets), Actual Amount $ 25,007 $ 25,380

Tier I capital (to average assets), Minimum for Capital Adequacy Purposes, Amount 10,059 10,255

Tier I capital (to average assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount $ 12,574 $ 12,819

Tier I capital (to average assets), Actual Percent 9.94% 9.90%

Tier I capital (to average assets), Minimum for Capital Adequacy Purposes, Percent 4.00% 4.00%

Tier I capital (to average assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Percent 5.00% 5.00%

Tier I capital common equity (to risk weighted assets), Actual Amount $ 25,007

Tier I capital common equity (to risk weighted assets), Minimum for Capital Adequacy Purposes, Amount 7,754

Tier I capital common equity (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount $ 11,200

Tier I capital common equity (to risk weighted assets), Actual Percent 14.51%

Tier I capital common equity (to risk weighted assets), Minimum for Capital Adequacy Purposes, Percent 4.50%

Tier I capital common equity (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Percent 6.50%

Tier I capital (to risk weighted assets), Actual Amount $ 25,005 $ 25,380

Tier I capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Amount 10,338 7,478

Tier I capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount $ 13,784 $ 11,217

Tier I capital (to risk weighted assets), Actual Percent 14.51% 13.58%

Tier I capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Percent 6.00% 4.00%

Tier I capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Percent 8.00% 6.00%

Total risk based capital (to risk weighted assets), Actual Amount $ 27,196 $ 27,566

Total risk based capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Amount 13,784 14,956

Total risk based capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount $ 17,230 $ 18,695

Total risk based capital (to risk weighted assets), Actual Percent 15.78% 14.74%

Total risk based capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Percent 8.00% 8.00%

Total risk based capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Percent 10.00% 10.00%

X

- Definition
The amount of total capital as defined in the regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 948

-SubTopic 10

-Section 50

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=6490092&loc=d3e47304-110998

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 948

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=6490092&loc=d3e47080-110998

+ Details

Name: us-gaap_Capital

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The minimum amount of Total Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_CapitalRequiredForCapitalAdequacy

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The minimum Total risk based capital ratio (total capital divided by risk weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1B

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

+ Details

Name: us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The amount of Total Capital required to be categorized as well as capitalized under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_CapitalRequiredToBeWellCapitalized

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The Total risk based capital ratio (total capital divided by risk weighted assets) required to be categorized as "well capitalized", in the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Total Capital divided by risk weighted assets as defined in the regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_CapitalToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

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

Name: us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tier 1 Leverage Capital as defined in the regulations. Also called Core Capital.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

+ Details

Name: us-gaap_TierOneLeverageCapital

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The minimum amount of Tier 1 Leverage Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The minimum amount of Tier 1 Leverage Capital for capital adequacy purposes divided by average assets as defined in the regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1B

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

+ Details

Name: us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The amount of Tier 1 Leverage Capital required to be categorized as well capitalized under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The amount of Tier 1 Leverage Capital required to be categorized as well capitalized divided by average assets as defined in the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Tier 1 Leverage Capital divided by average assets as defined in the regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

+ Details

Name: us-gaap_TierOneLeverageCapitalToAverageAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Tier 1 Risk Based Capital as defined in the regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

+ Details

Name: us-gaap_TierOneRiskBasedCapital

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The minimum amount of Tier 1 Risk Based Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The minimum Tier One Capital Ratio (Tier one capital divided by risk-weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1B

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

+ Details

Name: us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The amount of Tier 1 Risk Based Capital required to be categorized as well capitalized under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The Tier 1 capital ratio (Tier 1 capital divided by risk weighted assets) required to be categorized as "well capitalized" under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

+ Details

Name: us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Tier 1 capital divided by risk weighted assets as defined by regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

+ Details

Name: us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Definition : Tier 1 risk based capital common equity as defined in the regulations.
+ References
No definition available.
+ Details

Name: wefp_TierOneRiskBasedCapitalCommonEquity

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The minimum amount of Tier 1 risk based capital common equity required for capital adequacy purposes under the regulatory framework for prompt corrective action.
+ References
No definition available.
+ Details

Name: wefp_TierOneRiskBasedCapitalCommonEquityRequiredForCapitalAdequacy

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The Tier 1 capital common equity ratio (Tier 1 capital divided by risk weighted assets) required to be categorized as "well capitalized" under the regulatory framework for prompt corrective action.
+ References
No definition available.
+ Details

Name: wefp_TierOneRiskBasedCapitalCommonEquityRequiredForCapitalAdequacyToRiskWeightedAssets

Namespace Prefix: wefp_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The amount of Tier 1 Risk Based Capital common equity required to be categorized as well capitalized under the regulatory framework for prompt corrective action.
+ References
No definition available.
+ Details

Name: wefp_TierOneRiskBasedCapitalCommonEquityRequiredToBeWellCapitalized

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The Tier 1 capital common equity ratio (Tier 1 capital divided by risk weighted assets) required to be categorized as "well capitalized" under the regulatory framework for prompt corrective action.
+ References
No definition available.
+ Details

Name: wefp_TierOneRiskBasedCapitalCommonEquityRequiredToBeWellCapitalizedToRiskWeightedAssets

Namespace Prefix: wefp_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Tier 1 capital common equity divided by risk weighted assets as defined by regulations.
+ References
No definition available.
+ Details

Name: wefp_TierOneRiskBasedCapitalCommonEquityToRiskWeightedAssets

Namespace Prefix: wefp_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Details

Name: dei_LegalEntityAxis=wefp_WellsFederalBankMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 28 R30.htm IDEA: XBRL DOCUMENT v3.2.0.727

Securities Available for Sale (Details 1) - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Amortized Cost

Amortized Cost $ 32,760

Fair Value

Fair Value 32,822 $ 34,177

Obligations of states and political subdivisions

Amortized Cost

Due in one year or less 839

Due in one to five years 3,708

Due after five through 10 years 2,456

Due after 10 years 2,002

Amortized Cost 9,005

Fair Value

Due in one year or less 841

Due in one to five years 3,736

Due after five through 10 years 2,477

Due after 10 years 2,047

Fair Value 9,101 9,698

Residential mortgage-backed agencies

Amortized Cost

Amortized Cost 22,041

Fair Value

Fair Value 21,923 22,545

SBA pools

Amortized Cost

Amortized Cost 1,674

Fair Value

Fair Value 1,680 1,832

Government-sponsored enterprise equity

Amortized Cost

Amortized Cost 40

Fair Value

Fair Value $ 118 $ 102

X

- Definition
This item represents the cost of debt securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2)

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

+ Details

Name: us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=51813488&loc=d3e22054-111558

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=49167202&loc=d3e26610-111562

+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after adjustments of available-for-sale debt securities at cost, maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of available-for-sale debt securities maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 3

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after adjustments of available-for-sale debt securities at cost, maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of available-for-sale debt securities maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 3

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after adjustments of available-for-sale debt securities at cost, maturing after the tenth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2)

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

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of available-for-sale debt securities maturing after the tenth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 3

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount after adjustments of available-for-sale debt securities at cost, maturing in the next fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.2)

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

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of available-for-sale debt securities maturing in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 3

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 3

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USStatesAndPoliticalSubdivisionsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_ResidentialMortgageBackedSecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=wefp_SbaPoolsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=wefp_UsGovernmentSponsoredEnterprisesEquitySecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 29 R31.htm IDEA: XBRL DOCUMENT v3.2.0.727

Securities Available for Sale (Details 2) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Investments, Debt and Equity Securities [Abstract]

Balance, beginning $ 216 $ (10) $ 93 $ (264)

Unrealized gains (losses) during the year (298) 153 (89) 771

Deferred tax effect relating to unrealized gain 123 (63) 37 (427)

Balance, ending $ 41 $ 80 $ 41 $ 80

X

- Definition
Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e681-108580

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14A

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669686-108580

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 31

-Article 5

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Article 3

+ Details

Name: us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of unrealized gain (loss) on investments in debt and equity securities classified as available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27357-111563

+ Details

Name: us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGainLoss1

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Represents Deferred tax effect relating to unrealized gain during the period.
+ References
No definition available.
+ Details

Name: wefp_DeferredTaxEffectRelatingToUnrealizedGain

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

XML 30 R8.htm IDEA: XBRL DOCUMENT v3.2.0.727

Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Cash Flows From Operating Activities

Net income $ 1,043 $ 347

Adjustment to reconcile net income to net cash (used in) provided by operating activities:

Provision for loan losses 70 320

Gain on sale of loans (524) (350)

Originations of loans held for sale (17,747) (11,551)

Proceeds from the sale of loans held for sale 16,411 11,898

Net change in mortgage servicing rights 15 43

Loss (gain) on sales of foreclosed real estate, net 15 (34)

Depreciation expense 96 89

Amortization of net deferred loan origination fees (43) (31)

Amortization of securities premiums 106 102

Impairment of foreclosed real estate 94 258

Stock-based compensation expense 6 17

Changes in assets and liabilities:

Accrued interest receivable (132) (51)

Other assets (14) 40

Accrued expenses and other liabilities 30 (247)

Net cash (used in) provided by operating activities (574) 850

Cash Flows From Investing Activities

Net decrease (increase) in loans 4,206 (1,308)

Net decrease (increase) in certificates of deposit 2,940 (3,671)

Net (increase) decrease in federal funds sold (1,000) 1,500

Purchase of Federal Home Loan Bank stock (60) (89)

Proceeds from sale of Federal Home Loan Bank stock 71 61

Purchase of securities available-for-sale (3,124) (4,510)

Maturities of available-for-sale securities 4,282 10,376

Purchase of premises and equipment (3) (6)

Investment in foreclosed real estate (28)

Proceeds from sales of foreclosed real estate 306 303

Net cash provided by investing activities 7,618 2,628

Cash Flows From Financing Activities

Net decrease in deposits (1,112) (3,550)

Net decrease in advances from borrowers for taxes and insurance (9) (16)

Dividends paid (266) (228)

Purchase of treasury stock (165) (242)

Net cash used in by financing activities (1,552) (4,036)

Net increase (decrease) in cash and cash equivalents 5,492 (558)

Cash and Cash Equivalents

Beginning 14,373 12,625

Ending $ 19,865 $ 12,067

X

- Definition
The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

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

+ Details

Name: us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The net increase(decrease) in interest income during the period representing the allocation of deferred loan origination fees less deferred loan origination costs using the effective interest method over the term of the debt arrangement to which they pertain taking into account the effect of prepayments.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.1)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Direct Loan Origination Costs

-URI http://asc.fasb.org/extlink&oid=6510860

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 20

-Section 30

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6378273&loc=d3e8446-111530

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 20

-Section 25

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6962437&loc=d3e7402-111529

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 20

-Section 35

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=27723605&loc=d3e8622-111531

+ Details

Name: us-gaap_AmortizationOfDeferredLoanOriginationFeesNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_CashAndCashEquivalentsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash

-URI http://asc.fasb.org/extlink&oid=6506951

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section 45

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=28358313&loc=d3e6676-107765

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3044-108585

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash Equivalents

-URI http://asc.fasb.org/extlink&oid=6507016

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.1)

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

+ Details

Name: us-gaap_CashAndCashEquivalentsAtCarryingValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of increase (decrease) in cash and cash equivalents. Cash and cash equivalents are the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Includes effect from exchange rate changes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 24

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3521-108585

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 830

-SubTopic 230

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=49171198&loc=d3e33268-110906

+ Details

Name: us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The aggregate expense recognized in the current period that allocates the cost of tangible assets, intangible assets, or depleting assets to periods that benefit from use of the assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (b)

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

+ Details

Name: us-gaap_DepreciationDepletionAndAmortization

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The net gain (loss) resulting from a sale of loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loan held for investment purposes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.3(a))

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.13(h))

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (b)

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

+ Details

Name: us-gaap_GainLossOnSalesOfLoansNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in the amount due from borrowers for interest payments.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

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

+ Details

Name: us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of increase (decrease) in prepayments received from borrowers for taxes and insurance remitted to the appropriate tax authority or insurer on behalf of the borrower.
+ References
No definition available.
+ Details

Name: us-gaap_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The net cash inflow or outflow from the fund lent to other financial institution arising from the excess in reserve deposited at Federal Reserve Bank to meet legal requirement. This borrowing is usually contracted on an overnight basis at an agreed rate of interest.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 24

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3521-108585

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 26

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3574-108585

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 230

-Section 45

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6477933&loc=d3e60009-112784

+ Details

Name: us-gaap_IncreaseDecreaseInFederalFundsSold

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in the value of loans or securitized loans that are held with the intention to sell in the near future.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 21

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3461-108585

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 230

-Section 55

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=34726456&loc=d3e60097-112785

+ Details

Name: us-gaap_IncreaseDecreaseInLoansHeldForSale

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_IncreaseDecreaseInOperatingCapitalAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in other obligations or expenses incurred but not yet paid.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

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

+ Details

Name: us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in other assets used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current assets, other noncurrent assets, or a combination of other current and noncurrent assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

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

+ Details

Name: us-gaap_IncreaseDecreaseInOtherOperatingAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Net cash inflow (outflow) of time deposits.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 230

-Section 45

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6477933&loc=d3e60009-112784

+ Details

Name: us-gaap_IncreaseDecreaseInTimeDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of cash inflow (outflow) of financing activities, excluding discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 26

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3574-108585

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 24

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3521-108585

+ Details

Name: us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of cash inflow (outflow) of investing activities, excluding discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 26

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3574-108585

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 24

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3521-108585

+ Details

Name: us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of cash inflow (outflow) from operating activities, excluding discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 24

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3521-108585

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 25

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3536-108585

+ Details

Name: us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Net Income

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.18)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.22)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Other Comprehensive Income

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 19

-Article 5

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 20

-Article 9

+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of cash outflow from payments for Federal Home Loan Bank (FHLBank) advances.
+ References
No definition available.
+ Details

Name: us-gaap_PaymentsForFederalHomeLoanBankAdvances

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Cash outflow in the form of capital distributions and dividends to common shareholders, preferred shareholders and noncontrolling interests.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Financing Activities

-URI http://asc.fasb.org/extlink&oid=6513228

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 15

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3291-108585

+ Details

Name: us-gaap_PaymentsOfDividends

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash outflow to acquire debt and equity securities not classified as either held-to-maturity securities or trading securities which would be classified as available-for-sale securities and reported at fair value, with unrealized gains and losses excluded from earnings and reported in a separate component of shareholders' equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 13

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3213-108585

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=49167202&loc=d3e26853-111562

+ Details

Name: us-gaap_PaymentsToAcquireAvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 13

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3213-108585

+ Details

Name: us-gaap_PaymentsToAcquirePropertyPlantAndEquipment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash outflow from the acquisition of a piece of land, anything permanently fixed to it, including buildings, structures on it and so forth; includes real estate intended to generate income for the owner; excludes real estate acquired for use by the owner.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 13

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3213-108585

+ Details

Name: us-gaap_PaymentsToAcquireRealEstate

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash inflow associated with the sale or maturity (principal being due) of securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 12

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3179-108585

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=49167202&loc=d3e26853-111562

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Investing Activities

-URI http://asc.fasb.org/extlink&oid=6516133

+ Details

Name: us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of cash inflow from sale of Federal Home Loan Bank (FHLB) stock.
+ References
No definition available.
+ Details

Name: us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow from the sale assets received in full or partial satisfaction of a receivable including real and personal property; equity interests in corporations, partnerships, and joint ventures; and beneficial interests in trusts. Foreclosed assets also include loans that are treated as if the underlying collateral had been foreclosed because the institution has taken possession of the collateral, even though legal foreclosure or repossession proceedings have not taken place.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3179-108585

+ Details

Name: us-gaap_ProceedsFromSaleOfForeclosedAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow resulting from the sale of loans classified as held-for-sale, including proceeds from loans sold through mortgage securitization.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 16

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3337-108585

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 21

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3461-108585

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 230

-Section 55

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=34726456&loc=d3e60097-112785

+ Details

Name: us-gaap_ProceedsFromSaleOfLoansHeldForSale

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of expense related to estimated loss from loan and lease transactions.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.11)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(2)

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

+ Details

Name: us-gaap_ProvisionForLoanAndLeaseLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The value of new servicing assets, subsequently measured at fair value, acquired or created during the current period through purchases or from transfers of financial assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 50

-Paragraph 3

-Subparagraph (a)(2)

-URI http://asc.fasb.org/extlink&oid=56950315&loc=d3e122625-111746

+ Details

Name: us-gaap_ServicingAssetAtFairValueAdditions

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

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

+ Details

Name: us-gaap_ShareBasedCompensation

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Represents amount of impairment of foreclosed real estate.
+ References
No definition available.
+ Details

Name: wefp_ImpairmentOfForeclosedRealEstate

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Represents amount of loss (gain) on sales of foreclosed real estate, net.
+ References
No definition available.
+ Details

Name: wefp_LossGainOnSalesOfForeclosedRealEstateNet

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Represents net increase decrease in certificates of deposit.
+ References
No definition available.
+ Details

Name: wefp_NetIncreaseDecreaseInCertificatesOfDeposit

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Represents net increase/decrease in the beginning and end of period loan balances.
+ References
No definition available.
+ Details

Name: wefp_NetIncreaseDecreaseInLoanBalance

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Represents payment for acquire treasury stock.
+ References
No definition available.
+ Details

Name: wefp_PaymentForAcquireTreasuryStock

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

XML 31 R32.htm IDEA: XBRL DOCUMENT v3.2.0.727

Securities Available for Sale (Details 3) - Temporarily impaired securities - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Schedule of Available-for-sale Securities [Line Items]

Continuous Unrealized Losses Existing 12 Months or Less, Fair Value $ 7,544 $ 7,174

Continuous Unrealized Losses Existing 12 Months or Less, Unrealized Loss 49 26

Continuous Unrealized Losses Existing Greater Than 12 Months, Fair Value 9,740 12,996

Continuous Unrealized Losses Existing Greater Than 12 Months, Unrealized Loss 168 200

Total Fair Value 17,284 20,170

Total Unrealized Loss 217 226

Residential mortgage-backed agencies

Schedule of Available-for-sale Securities [Line Items]

Continuous Unrealized Losses Existing 12 Months or Less, Fair Value 5,250 5,679

Continuous Unrealized Losses Existing 12 Months or Less, Unrealized Loss 33 20

Continuous Unrealized Losses Existing Greater Than 12 Months, Fair Value 8,829 10,566

Continuous Unrealized Losses Existing Greater Than 12 Months, Unrealized Loss 142 171

Total Fair Value 14,079 16,245

Total Unrealized Loss 175 $ 191

SBA pools

Schedule of Available-for-sale Securities [Line Items]

Continuous Unrealized Losses Existing 12 Months or Less, Fair Value

Continuous Unrealized Losses Existing 12 Months or Less, Unrealized Loss

Continuous Unrealized Losses Existing Greater Than 12 Months, Fair Value $ 1,250

Continuous Unrealized Losses Existing Greater Than 12 Months, Unrealized Loss 9

Total Fair Value 1,250

Total Unrealized Loss 9

Obligations of states and political subdivisions

Schedule of Available-for-sale Securities [Line Items]

Continuous Unrealized Losses Existing 12 Months or Less, Fair Value 2,294 1,495

Continuous Unrealized Losses Existing 12 Months or Less, Unrealized Loss 16 6

Continuous Unrealized Losses Existing Greater Than 12 Months, Fair Value 911 1,180

Continuous Unrealized Losses Existing Greater Than 12 Months, Unrealized Loss 26 20

Total Fair Value 3,205 2,675

Total Unrealized Loss $ 42 $ 26

X

- Definition
This item represents the aggregate fair value of investments in debt and equity securities in an unrealized loss position which are categorized neither as held-to-maturity nor trading securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 6

-Subparagraph (a)(1)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for less than twelve months.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27337-111563

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 6

-Subparagraph (a)(1)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for twelve months or longer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 6

-Subparagraph (a)(1)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27337-111563

+ Details

Name: us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

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

Name: us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of accumulated pre-tax unrealized loss on investments in available for sale securities that have been in a loss position for twelve months or longer impacting investments.
+ References
No definition available.
+ Details

Name: wefp_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of accumulated pre-tax unrealized loss on securities classified as available-for-sale impacting investments.
+ References
No definition available.
+ Details

Name: wefp_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of accumulated pre-tax unrealized loss on investments in available for sale securities that have been in a loss position for less than twelve months impacting investments.
+ References
No definition available.
+ Details

Name: wefp_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Details

Name: us-gaap_InformationByCategoryOfDebtSecurityAxis=wefp_TemporarilyImpairedMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_ResidentialMortgageBackedSecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=wefp_SbaPoolsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USStatesAndPoliticalSubdivisionsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 32 R40.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loans Receivable and Loans Held for Sale (Details 6) - USD ($)
$ in Thousands

Jun. 30, 2015

Mar. 31, 2015

Dec. 31, 2014

Jun. 30, 2014

Mar. 31, 2014

Dec. 31, 2013

Allowance for loan losses:

Total $ 2,184 $ 2,158

Loans receivable

Allowance for loan losses:

Individually Evaluated for Impairment 488 573

Collectively Evaluated for Impairment 1,696 1,585

Total 2,184 $ 2,252 2,158 $ 1,934 $ 1,825 $ 1,724

Loans:

Individually Evaluated for Impairment 3,631 4,072

Collectively Evaluated for Impairment 176,715 180,481

Total 180,346 184,553

Loans receivable | Home equity, home improvement and second mortgages

Allowance for loan losses:

Individually Evaluated for Impairment 32 73

Collectively Evaluated for Impairment 415 358

Total 447 474 431 314 249 254

Loans:

Individually Evaluated for Impairment 31 73

Collectively Evaluated for Impairment 31,558 32,668

Total 31,589 $ 32,741

Loans receivable | Vehicle

Allowance for loan losses:

Individually Evaluated for Impairment 3

Collectively Evaluated for Impairment 24 $ 28

Total 27 30 $ 28 30 32 30

Loans:

Individually Evaluated for Impairment 3

Collectively Evaluated for Impairment 1,976 $ 1,671

Total 1,979 1,671

Loans receivable | Consumer

Allowance for loan losses:

Individually Evaluated for Impairment 3 12

Collectively Evaluated for Impairment 75 100

Total 78 113 112 126 214 135

Loans:

Individually Evaluated for Impairment 6 16

Collectively Evaluated for Impairment 6,277 6,263

Total 6,283 6,279

Loans receivable | Residential | Real estate

Allowance for loan losses:

Individually Evaluated for Impairment 80 115

Collectively Evaluated for Impairment 448 430

Total 528 552 545 484 439 433

Loans:

Individually Evaluated for Impairment 913 1,283

Collectively Evaluated for Impairment 54,382 55,390

Total $ 55,295 $ 56,674

Loans receivable | Residential | Construction real estate

Allowance for loan losses:

Individually Evaluated for Impairment

Collectively Evaluated for Impairment $ 12 $ 13

Total $ 12 4 $ 13 18 4 11

Loans:

Individually Evaluated for Impairment

Collectively Evaluated for Impairment $ 1,061 $ 940

Total 1,061 940

Loans receivable | Commercial | Real estate

Allowance for loan losses:

Individually Evaluated for Impairment 341 341

Collectively Evaluated for Impairment 445 381

Total 786 $ 785 722 712 649 624

Loans:

Individually Evaluated for Impairment 2,619 2,637

Collectively Evaluated for Impairment 29,957 28,016

Total $ 32,576 $ 30,653

Loans receivable | Commercial | Construction real estate

Allowance for loan losses:

Individually Evaluated for Impairment

Collectively Evaluated for Impairment $ 12

Total $ 12 1 9 2

Loans:

Individually Evaluated for Impairment

Collectively Evaluated for Impairment $ 1,154 $ 4,035

Total 1,154 4,035

Loans receivable | Commercial | Operating and term

Allowance for loan losses:

Individually Evaluated for Impairment 29 32

Collectively Evaluated for Impairment 88 77

Total 117 $ 114 109 93 92 87

Loans:

Individually Evaluated for Impairment 59 63

Collectively Evaluated for Impairment 6,780 5,655

Total $ 6,839 $ 5,718

Loans receivable | Agricultural | Real estate

Allowance for loan losses:

Individually Evaluated for Impairment

Collectively Evaluated for Impairment $ 159 $ 155

Total $ 159 155 $ 155 142 127 130

Loans:

Individually Evaluated for Impairment

Collectively Evaluated for Impairment $ 36,745 $ 38,128

Total $ 36,745 $ 38,128

Loans receivable | Agricultural | Operating and term

Allowance for loan losses:

Individually Evaluated for Impairment

Collectively Evaluated for Impairment $ 30 $ 31

Total $ 30 $ 25 $ 31 $ 14 $ 10 $ 18

Loans:

Individually Evaluated for Impairment

Collectively Evaluated for Impairment $ 6,825 $ 7,714

Total $ 6,825 $ 7,714

X

- References
No definition available.
+ Details

Name: us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (g)

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

+ Details

Name: us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (g)

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

+ Details

Name: us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (h)

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

+ Details

Name: us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (h)

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

+ Details

Name: us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (g)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(1)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(d))

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 30

-Section 50

-Paragraph 2

-Subparagraph (b)(1)(ii)

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

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

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 6

-Section L

-Subsection 1

+ Details

Name: us-gaap_LoansAndLeasesReceivableAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

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

+ Details

Name: us-gaap_LoansAndLeasesReceivableGrossCarryingAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: wefp_FinancingReceivableAllowanceForLoanLossesAndRecordedInvestmentAbstract

Namespace Prefix: wefp_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_LoansReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_AutomobileLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ResidentialPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=wefp_OperatingAndTermLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=wefp_AgriculturalPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 33 R53.htm IDEA: XBRL DOCUMENT v3.2.0.727

Subsequent Events (Parentheticals) (Details 1)
$ in Thousands

Jul. 16, 2015

USD ($)

Subsequent Event | Agreement and plan of conversion merger | St. James

Subsequent Event [Line Items]

Loans, contractual amount $ 17,434

X

- Definition
For receivables acquired in a business combination, excluding certain loans and debt securities acquired in a transfer (as defined), this element represents the gross contractual amounts receivable, by major class of receivable, such as loans, direct finance leases (as defined), and any other class of receivables.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 20

-Section 50

-Paragraph 1

-Subparagraph (b)(2)

-URI http://asc.fasb.org/extlink&oid=56956791&loc=d3e4845-128472

+ Details

Name: us-gaap_BusinessCombinationAcquiredReceivablesGrossContractualAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Detail information of subsequent event by type. User is expected to use existing line items from elsewhere in the taxonomy as the primary line items for this disclosure, which is further associated with dimension and member elements pertaining to a subsequent event.
+ References
No definition available.
+ Details

Name: us-gaap_SubsequentEventLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_SubsequentEventTypeAxis=us-gaap_SubsequentEventMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: wefp_AgreementAxis=wefp_AgreementAndPlanOfConversionMergerMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_BusinessAcquisitionAxis=wefp_StJamesFederalSavingsAndLoanAssociationMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 34 R2.htm IDEA: XBRL DOCUMENT v3.2.0.727

Consolidated Balance Sheets - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Assets

Cash and cash equivalents, including interest-bearing accounts, 2015, $11,037; 2014, $7,411 $ 19,865 $ 14,373

Certificates of deposit, at cost 1,241 4,181

Federal funds sold 3,000 2,000

Securities available for sale 32,822 34,177

Federal Home Loan Bank stock, at cost 2,068 2,079

Loans held for sale 3,567 1,707

Loans receivable, net of allowance for loan loss of $2,184 in 2015; $2,158 in 2014; 177,859 182,050

Accrued interest receivable 966 834

Premises and equipment, net 3,079 3,172

Mortgage servicing rights, net 1,871 1,886

Foreclosed real estate 3,199 3,656

Other assets 1,764 1,711

Total assets 251,301 251,826

Liabilities

Deposits 220,860 221,972

Advances from borrowers for taxes and insurance 2,621 2,630

Accrued interest payable 60 17

Accrued expenses and other liabilities 575 588

Total liabilities $ 224,116 $ 225,207

Commitments, Contingencies and Credit Risk

Mezzanine Equity

Redeemable common stock held by ESOP, $0.10 par value, 95,602 shares issued, 89,928 outstanding at June 30, 2015; 95,602 outstanding at December 31, 2014 $ 2,383 $ 2,533

Stockholders' Equity

Preferred stock, no par value; 500,000 shares authorized; none outstanding

Common stock, $0.10 par value; 7,000,000 shares authorized; 2,091,898 shares issued $ 209 $ 209

Additional paid-in capital 17,116 17,110

Retained earnings, substantially restricted 36,479 35,552

Accumulated other comprehensive income 41 93

Treasury stock, 2015, 1,451,478 shares; 2014, 1,445,248 shares (29,043) (28,878)

Total stockholders' equity 24,802 24,086

Total liabilities, mezzanine equity and stockholders' equity $ 251,301 $ 251,826

X

- Definition
Amount of obligations incurred and payable, pertaining to costs that are statutory in nature, incurred on contractual obligations, or accumulate over time and for which invoices have not yet been received or will not be rendered. Examples include, but not limited to, taxes, interest, rent and utilities. Also includes the aggregate carrying amount of liabilities not separately disclosed.
+ References
No definition available.
+ Details

Name: us-gaap_AccruedLiabilitiesAndOtherLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e681-108580

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 14A

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669686-108580

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 31

-Article 5

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Article 3

+ Details

Name: us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Value received from shareholders in common stock-related transactions that are in excess of par value or stated value and amounts received from other stock-related transactions. Includes only common stock transactions (excludes preferred stock transactions). May be called contributed capital, capital in excess of par, capital surplus, or paid-in capital.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.30(a)(1))

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 31

-Article 5

+ Details

Name: us-gaap_AdditionalPaidInCapitalCommonStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Carrying amount of accumulated prepayments received by financial institutions from borrowers for taxes (for example, property taxes) and insurance (for example, property and catastrophe) which will periodically be remitted to the appropriate governmental agency or vendor on behalf of the borrower.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.15(5))

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

+ Details

Name: us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.18)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 12

-Article 7

+ Details

Name: us-gaap_Assets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_AssetsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 25

-Paragraph 1

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=51813488&loc=d3e22054-111558

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-Subparagraph (aa)

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=49167202&loc=d3e26610-111562

+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash

-URI http://asc.fasb.org/extlink&oid=6506951

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section 45

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=28358313&loc=d3e6676-107765

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3044-108585

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash Equivalents

-URI http://asc.fasb.org/extlink&oid=6507016

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.1)

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

+ Details

Name: us-gaap_CashAndCashEquivalentsAtCarryingValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
A savings certificate entitling the Entity (that is, bearer) to receive interest at an established maturity date, based upon a fixed interest rate. A certificate of deposit may be issued in any denomination. Certificates of deposit are generally issued by commercial banks and, therefore, insured by the FDIC (up to the prescribed limit). Certificates of deposit generally restrict holders from withdrawing funds on demand without the incurrence of penalties. Generally, only certificates of deposit with original maturities of three months or less qualify as cash equivalents. Original maturity means original maturity to the entity holding the investment. As a related example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three-years ago does not become a cash equivalent when its remaining maturity is three months.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash Equivalents

-URI http://asc.fasb.org/extlink&oid=6507016

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.1)

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

+ Details

Name: us-gaap_CertificatesOfDepositAtCarryingValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Represents the caption on the face of the balance sheet to indicate that the entity has entered into (1) purchase or supply arrangements that will require expending a portion of its resources to meet the terms thereof, and (2) is exposed to potential losses or, less frequently, gains, arising from (a) possible claims against a company's resources due to future performance under contract terms, and (b) possible losses or likely gains from uncertainties that will ultimately be resolved when one or more future events that are deemed likely to occur do occur or fail to occur.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-03.(a),19)

-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 450

-SubTopic 20

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=25496072&loc=d3e14326-108349

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.17)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.25)

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

+ Details

Name: us-gaap_CommitmentsAndContingencies

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Value of all classes of common stock held by shareholders. May be all or portion of the number of common shares authorized. These shares exclude common shares repurchased by the entity and held as treasury shares.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29)

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 30

-Article 5

+ Details

Name: us-gaap_CommonStockValueOutstanding

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

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

+ Details

Name: us-gaap_Deposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The amount outstanding of funds lent to other depository institutions, securities brokers, or securities dealers in the form of Federal Funds sold; for example, immediately available funds lent under agreements or contracts that mature in one business day or roll over under a continuing contract, regardless of the nature of the transaction or the collateral involved, excluding overnight lending for commercial and industrial purposes. Also include Federal Funds sold under agreements to resell on a gross basis, excluding (1) sales of term Federal Funds, (2) due bills representing purchases of securities or other assets by the reporting bank that have not yet been delivered and similar instruments, (3) resale agreements that mature in more than one business day involving assets other than securities, and (4) yield maintenance dollar repurchase agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.3)

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

+ Details

Name: us-gaap_FederalFundsSold

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 325

-Section 45

-Paragraph 1

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

+ Details

Name: us-gaap_FederalHomeLoanBankStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of interest payable on debt, including, but not limited to, trade payables.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.15(5))

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-03.15(a))

-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

+ Details

Name: us-gaap_InterestPayableCurrentAndNoncurrent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Carrying amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.8)

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

+ Details

Name: us-gaap_InterestReceivable

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.19-26)

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

+ Details

Name: us-gaap_Liabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_LiabilitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.32)

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 25

-Article 7

+ Details

Name: us-gaap_LiabilitiesAndStockholdersEquity

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7)

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

+ Details

Name: us-gaap_LoansAndLeasesReceivableNetReportedAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The face amount of loans that will be sold to other entities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

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

+ Details

Name: us-gaap_LoansReceivableHeldForSaleAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.17)

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 10

-Article 7

+ Details

Name: us-gaap_OtherAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Value of all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by shareholders, which is net of related treasury stock. May be all or a portion of the number of preferred shares authorized. These shares represent the ownership interest of the preferred shareholders.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.28)

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29

-Article 5

+ Details

Name: us-gaap_PreferredStockValueOutstanding

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.13)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 360

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 13

-Subparagraph a

-Article 5

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 8

-Article 7

+ Details

Name: us-gaap_PropertyPlantAndEquipmentNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Carrying amount as of the balance sheet date of land and buildings obtained through foreclosure proceedings or defeasance in full or partial satisfaction of a debt arrangement.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5162-111524

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4437-111522

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 28

-Article 12

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph c

-Subparagraph Schedule III

-Article 5

+ Details

Name: us-gaap_RealEstateAcquiredThroughForeclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The cumulative amount of the reporting entity's undistributed earnings or deficit.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.31(a)(3))

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Article 3

+ Details

Name: us-gaap_RetainedEarningsAccumulatedDeficit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SAB TOPIC 4.E)

-URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74512-122707

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29-31)

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

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

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 4

-Section E

+ Details

Name: us-gaap_StockholdersEquity

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_StockholdersEquityAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_TemporaryEquityAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Carrying amount, attributable to parent and noncontrolling interests, of an entity's issued and outstanding stock which is not included within permanent equity. Temporary equity is a security with redemption features that are outside the control of the issuer, is not classified as an asset or liability in conformity with GAAP, and is not mandatorily redeemable. Includes any type of security that is redeemable at a fixed or determinable price or on a fixed or determinable date or dates, is redeemable at the option of the holder, or has conditions for redemption which are not solely within the control of the issuer. Includes stock with a put option held by an ESOP and stock redeemable by a holder only in the event of a change in control of the issuer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.27(b))

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

+ Details

Name: us-gaap_TemporaryEquityCarryingAmountIncludingPortionAttributableToNoncontrollingInterests

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 30

-Section 50

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=6405834&loc=d3e23315-112656

+ Details

Name: us-gaap_TreasuryStockValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Represents net amount of mortgage servicing rights.
+ References
No definition available.
+ Details

Name: wefp_MortgageServicingRightsNet

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

XML 35 R45.htm IDEA: XBRL DOCUMENT v3.2.0.727

Earnings Per Share (Details) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Basic earnings per share:

Net income $ 550 $ 96 $ 1,043 $ 347

Weighted average number of shares outstanding, basic (in shares) 737,100 760,546 739,453 761,808

Per share amount, basic (in dollars per share) $ 0.75 $ 0.13 $ 1.41 $ 0.45

Effect of dilutive securities:

Stock options (in shares) 349 1,070 349 1,070

Diluted earnings per share:

Net income $ 550 $ 96 $ 1,043 $ 347

Weighted average number of shares outstanding, diluted (in shares) 737,449 761,616 739,802 762,878

Per share amount, diluted (in dollars per share) $ 0.75 $ 0.13 $ 1.41 $ 0.45

X

- References
No definition available.
+ Details

Name: us-gaap_DilutiveSecuritiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.21)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 55

-Paragraph 52

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 2

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.23)

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 18

-Article 7

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 20

-Article 5

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 21

-Article 9

+ Details

Name: us-gaap_EarningsPerShareBasic

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_EarningsPerShareBasicAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.21)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 2

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 18

-Article 7

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 20

-Article 5

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 21

-Article 9

+ Details

Name: us-gaap_EarningsPerShareDiluted

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_EarningsPerShareDilutedAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 28A

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

+ Details

Name: us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Net Income

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.18)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.22)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Other Comprehensive Income

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 19

-Article 5

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 20

-Article 9

+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 16

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (a)

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

+ Details

Name: us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (a)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 10

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Weighted-Average Number of Common Shares Outstanding

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

+ Details

Name: us-gaap_WeightedAverageNumberOfSharesOutstandingBasic

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

XML 36 R6.htm IDEA: XBRL DOCUMENT v3.2.0.727

Consolidated Statements of Stockholders' Equity and Mezzanine Equity (Unaudited) - USD ($)
$ in Thousands, None in scaling factor is -9223372036854775296

Common Stock

Additional Paid-In Capital

Retained Earnings

Accumulated Other Comprehensive Income (Loss)

Treasury Stock

Total

Mezzanine equity Redeemable Common Stock

Balance at Dec. 31, 2013 $ 209 $ 17,096 $ 34,893 $ (264) $ (28,193) $ 23,741 $ 2,342

Increase (Decrease) in Stockholders' Equity [Roll Forward]

Net income 347 347

Other comprehensive income, net of related taxes $ 344 344

Cash dividends declared ($0.36 and $0.30 per share for June 30, 2015 and 2014 respectively) $ (228) (228)

Stock-based compensation $ 17 17

Treasury stock purchases, 6,230 and 10,308 shares for June 30, 2015 and 2014 respectively $ (242) $ (242)

Change in fair value related to redeemable common stock

Balance at Jun. 30, 2014 $ 209 $ 17,113 $ 35,012 $ 80 $ (28,435) $ 23,979 $ 2,342

Balance at Dec. 31, 2014 $ 209 17,110 35,552 93 $ (28,878) 24,086 2,533

Increase (Decrease) in Stockholders' Equity [Roll Forward]

Net income 1,043 1,043

Other comprehensive income, net of related taxes $ (52) (52)

Cash dividends declared ($0.36 and $0.30 per share for June 30, 2015 and 2014 respectively) (266) (266)

Stock-based compensation $ 6 6

Treasury stock purchases, 6,230 and 10,308 shares for June 30, 2015 and 2014 respectively $ 150 $ (165) $ (15) $ (150)

Change in fair value related to redeemable common stock

Balance at Jun. 30, 2015 $ 209 $ 17,116 $ 36,479 $ 41 $ (29,043) $ 24,802 $ 2,383

X

- Definition
Amount of paid and unpaid cash dividends declared for classes of stock, for example, but not limited to, common and preferred.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.3-04)

-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 405

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6957935&loc=d3e64057-112817

+ Details

Name: us-gaap_DividendsCash

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

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

Name: us-gaap_IncreaseDecreaseInStockholdersEquityRollForward

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Net Income

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.18)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.22)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Other Comprehensive Income

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 19

-Article 5

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 20

-Article 9

+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount after tax and reclassification adjustments of other comprehensive income (loss).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 1A

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669619-108580

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 1B

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669625-108580

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 55

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=51821188&loc=d3e1436-108581

+ Details

Name: us-gaap_OtherComprehensiveIncomeLossNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Value of stock (or other type of equity) issued during the period as a result of any equity-based compensation plan other than an employee stock ownership plan (ESOP), net of stock value of such awards forfeited. Stock issued could result from the issuance of restricted stock, the exercise of stock options, stock issued under employee stock purchase plans, and/or other employee benefit plans.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5047-113901

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (d)(1)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.3-04)

-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29, 30, 31

-Article 5

+ Details

Name: us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Number of stock bought back by the entity at the exercise price or redemption price.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

+ Details

Name: us-gaap_StockRedeemedOrCalledDuringPeriodShares

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SAB TOPIC 4.E)

-URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74512-122707

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29-31)

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

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

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 4

-Section E

+ Details

Name: us-gaap_StockholdersEquity

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Equity impact of the cost of common and preferred stock that were repurchased during the period. Recorded using the cost method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 30

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6405813&loc=d3e23239-112655

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.3-04)

-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

+ Details

Name: us-gaap_TreasuryStockValueAcquiredCostMethod

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedOtherComprehensiveIncomeMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_TreasuryStockMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=wefp_MezzanineEquityRedeemableCommonStockMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 37 R35.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loans Receivable and Loans Held for Sale (Details 1) - Loans receivable - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Accounts, Notes, Loans and Financing Receivable [Line Items]

Current $ 174,888 $ 181,607

Total past due 5,458 2,946

Total 180,346 184,553

30-59 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due 2,708 1,416

60-89 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due 898 520

Loans Past Due 90 Days or More

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due $ 1,852 $ 1,010

Nonperforming loans

Accounts, Notes, Loans and Financing Receivable [Line Items]

Current

Total past due $ 1,852 $ 1,010

Total $ 1,852 $ 1,010

Nonperforming loans | 30-59 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due

Nonperforming loans | 60-89 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due

Nonperforming loans | Loans Past Due 90 Days or More

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due $ 1,852 $ 1,010

Home equity, home improvement and second mortgages

Accounts, Notes, Loans and Financing Receivable [Line Items]

Current 31,183 32,291

Total past due 406 450

Total 31,589 32,741

Home equity, home improvement and second mortgages | 30-59 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due 262 193

Home equity, home improvement and second mortgages | 60-89 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due 62 2

Home equity, home improvement and second mortgages | Loans Past Due 90 Days or More

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due 82 255

Vehicle

Accounts, Notes, Loans and Financing Receivable [Line Items]

Current 1,939 1,661

Total past due 40 10

Total 1,979 1,671

Vehicle | 30-59 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due $ 5 8

Vehicle | 60-89 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due 1

Vehicle | Loans Past Due 90 Days or More

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due $ 35 1

Consumer

Accounts, Notes, Loans and Financing Receivable [Line Items]

Current 6,228 6,243

Total past due 55 36

Total 6,283 6,279

Consumer | 30-59 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due $ 26 26

Consumer | 60-89 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due $ 10

Consumer | Loans Past Due 90 Days or More

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due $ 29

Residential | Real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Current 52,122 $ 54,698

Total past due 3,173 1,976

Total 55,295 56,674

Residential | Real estate | 30-59 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due 1,375 782

Residential | Real estate | 60-89 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due 719 507

Residential | Real estate | Loans Past Due 90 Days or More

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due 1,079 687

Residential | Construction real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Current $ 1,061 $ 940

Total past due

Total $ 1,061 $ 940

Residential | Construction real estate | 30-59 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due

Residential | Construction real estate | 60-89 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due

Residential | Construction real estate | Loans Past Due 90 Days or More

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due

Commercial | Real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Current $ 31,653 $ 30,653

Total past due 923

Total 32,576 $ 30,653

Commercial | Real estate | 30-59 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due $ 923

Commercial | Real estate | 60-89 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due

Commercial | Real estate | Loans Past Due 90 Days or More

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due

Commercial | Construction real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Current $ 1,154 $ 4,035

Total past due

Total $ 1,154 $ 4,035

Commercial | Construction real estate | 30-59 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due

Commercial | Construction real estate | 60-89 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due

Commercial | Construction real estate | Loans Past Due 90 Days or More

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due

Commercial | Operating and term

Accounts, Notes, Loans and Financing Receivable [Line Items]

Current $ 6,659 $ 5,569

Total past due 180 149

Total $ 6,839 5,718

Commercial | Operating and term | 30-59 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due $ 82

Commercial | Operating and term | 60-89 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due $ 117

Commercial | Operating and term | Loans Past Due 90 Days or More

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due 63 $ 67

Agricultural | Real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Current 36,064 37,843

Total past due 681 285

Total 36,745 38,128

Agricultural | Real estate | 30-59 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due $ 117 $ 285

Agricultural | Real estate | 60-89 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due

Agricultural | Real estate | Loans Past Due 90 Days or More

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due $ 564

Agricultural | Operating and term

Accounts, Notes, Loans and Financing Receivable [Line Items]

Current $ 6,825 $ 7,674

Total past due 40

Total $ 6,825 7,714

Agricultural | Operating and term | 30-59 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due $ 40

Agricultural | Operating and term | 60-89 Days Past Due

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due

Agricultural | Operating and term | Loans Past Due 90 Days or More

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total past due

X

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

Name: us-gaap_AccountsNotesAndLoansReceivableLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7A

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

+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentCurrent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7A

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

+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentPastDue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

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

+ Details

Name: us-gaap_LoansAndLeasesReceivableGrossCarryingAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_LoansReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables30To59DaysPastDueMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables60To89DaysPastDueMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancialInstrumentPerformanceStatusAxis=us-gaap_NonperformingFinancingReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_AutomobileLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ResidentialPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=wefp_OperatingAndTermLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=wefp_AgriculturalPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 38 R22.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loans Receivable and Loans Held for Sale (Tables)
6 Months Ended

Jun. 30, 2015

Loans and Leases Receivable Disclosure [Abstract]

Schedule of composition of loans receivable

June 30, December 31,

2015 2014

Residential real estate $ 55,295 $ 56,674

Commercial real estate 32,576 30,653

Agricultural real estate 36,745 38,128

Commercial construction real estate 1,154 4,035

Residential construction real estate 1,061 940

Home equity, home improvement and second mortgages 31,589 32,741

Commercial operating and term 6,839 5,718

Agricultural operating and term 6,825 7,714

Vehicle 1,979 1,671

Consumer 6,283 6,279

Total loans 180,346 184,553

Net deferred loan origination fees (303 ) (345 )

Allowance for loan loss (2,184 ) (2,158 )

Loans receivable, net $ 177,859 $ 182,050

Schedule of loans receivable

June 30, 2015

Loans Past

30–59 Days 60–89 Days Due 90 Days Total

Current Past Due Past Due or More Past Due Total

Residential real estate $ 52,122 $ 1,375 $ 719 $ 1,079 $ 3,173 $ 55,295

Commercial real estate 31,653 923 - - 923 32,576

Agricultural real estate 36,064 117 - 564 681 36,745

Commercial construction real estate 1,154 - - - - 1,154

Residential construction real estate 1,061 - - - - 1,061

Home equity, home improvement and second mortgages 31,183 262 62 82 406 31,589

Commercial operating and term 6,659 - 117 63 180 6,839

Agricultural operating and term 6,825 - - - - 6,825

Vehicle 1,939 5 - 35 40 1,979

Consumer 6,228 26 - 29 55 6,283

Total loans $ 174,888 $ 2,708 $ 898 $ 1,852 $ 5,458 $ 180,346

Nonperforming loans $ - $ - $ - $ 1,852 $ 1,852 $ 1,852

December 31, 2014

Loans Past

30–59 Days 60–89 Days Due 90 Days Total

Current Past Due Past Due or More Past Due Total

Residential real estate $ 54,698 $ 782 $ 507 $ 687 $ 1,976 $ 56,674

Commercial real estate 30,653 - - - - 30,653

Agricultural real estate 37,843 285 - - 285 38,128

Commercial construction real estate 4,035 - - - - 4,035

Residential construction real estate 940 - - - - 940

Home equity, home improvement and second mortgages 32,291 193 2 255 450 32,741

Commercial operating and term 5,569 82 - 67 149 5,718

Agricultural operating and term 7,674 40 - - 40 7,714

Vehicle 1,661 8 1 1 10 1,671

Consumer 6,243 26 10 - 36 6,279

Total loans $ 181,607 $ 1,416 $ 520 $ 1,010 $ 2,946 $ 184,553

Nonperforming loans $ - $ - $ - $ 1,010 $ 1,010 $ 1,010

Schedule of non-accrual loans

June 30, 2015

Loans Past Due

90 Days or More

Nonaccrual and Still Accruing

Residential real estate $ 1,079 $ -

Commercial real estate - -

Agricultural real estate 564 -

Commercial construction real estate - -

Residential construction real estate - -

Home equity, home improvement and second mortgages 82 -

Commercial operating and term 63 -

Agricultural operating and term - -

Vehicle 35 -

Consumer 29 -

Total $ 1,852 $ -

December 31, 2014

Loans Past Due

90 Days or More

Nonaccrual and Still Accruing

Residential real estate $ 687 $ -

Commercial real estate - -

Agricultural real estate - -

Commercial construction real estate - -

Residential construction real estate - -

Home equity, home improvement and second mortgages 255 -

Commercial operating and term 67 -

Agricultural operating and term - -

Vehicle 1 -

Consumer - -

Total $ 1,010 $ -

Schedule of credit quality indicators

June 30, 2015

Special

Pass Mention Substandard Doubtful Total

Commercial real estate $ 30,444 $ 1,427 $ 705 $ - $ 32,576

Commercial construction real estate 1,154 - - - 1,154

Commercial operating and term 6,629 15 195 - 6,839

Agricultural operating and term 6,792 33 - - 6,825

Total $ 45,019 $ 1,475 $ 900 $ - $ 47,394

December 31, 2014

Special

Pass Mention Substandard Doubtful Total

Commercial real estate $ 26,449 $ 3,556 $ 648 $ - $ 30,653

Commercial construction real estate 4,035 - - - 4,035

Commercial operating and term 5,426 - 292 - 5,718

Agricultural operating and term 7,714 - - - 7,714

Total $ 43,624 $ 3,556 $ 940 $ - $ 48,120

Schedule of impaired loans

June 30. 2015

Unpaid Allowance for Average Interest

Principal Recorded Loan Losses Recorded Income

Balance Investment Allocated Investment Recognized

With no related allowance recorded:

Residential real estate $ 491 $ 491 $ - $ 494 $ 13

With an allowance recorded:

Residential real estate 422 422 80 422 19

Commercial real estate 2,619 2,619 341 2,622 55

Home equity, home improvement and second mortgages 31 31 32 31 -

Commercial operating and term 59 59 29 65 2

Consumer 6 6 3 6 -

Vehicle 3 3 3 3 -

Total $ 3,631 $ 3,631 $ 488 $ 3,663 $ 89

December 31, 2014

Unpaid Allowance for Average Interest

Principal Recorded Loan Losses Recorded Income

Balance Investment Allocated Investment Recognized

With no related allowance recorded:

Residential real estate $ 461 $ 461 $ - $ 505 $ 27

With an allowance recorded:

Residential real estate 822 822 115 830 34

Commercial real estate 2,637 2,637 341 2,690 99

Home equity, home improvement and second mortgages 73 73 73 74 2

Commercial operating and term 63 63 32 - 2

Consumer 16 16 12 16 2

Total $ 4,072 $ 4,072 $ 573 $ 4,115 $ 166

Schedule of allowance for loan losses

Three Months Ended June 30, 2015

Balance, Balance,

Beginning Charge-offs Recoveries Provision Ending

Residential real estate $ 552 $ (9 ) $ - $ (15 ) $ 528

Commercial real estate 785 - - 1 786

Agricultural real estate 155 - - 4 159

Commercial construction real estate - - - - -

Residential construction real estate 4 - - 8 12

Home equity, home improvement and second mortgages 474 (85 ) 5 53 447

Commercial operating and term 114 - - 3 117

Agricultural operating and term 25 - - 5 30

Vehicle 30 - 1 (4 ) 27

Consumer 113 (6 ) 26 (55 ) 78

Total $ 2,252 $ (100 ) $ 32 $ - $ 2,184

Six Months Ended June 30, 2015

Balance, Balance,

Beginning Charge-offs Recoveries Provision Ending

Residential real estate $ 545 $ (9 ) $ 9 $ (17 ) $ 528

Commercial real estate 722 - - 64 786

Agricultural real estate 155 - - 4 159

Commercial construction real estate 12 - - (12 ) -

Residential construction real estate 13 - - (1 ) 12

Home equity, home improvement and second mortgages 431 (89 ) 14 91 447

Commercial operating and term 109 - - 8 117

Agricultural operating and term 31 - - (1 ) 30

Vehicle 28 - 4 (5 ) 27

Consumer 112 (9 ) 36 (61 ) 78

Total $ 2,158 $ (107 ) $ 63 $ 70 $ 2,184

Three Months Ended June 30, 2014

Balance, Balance,

Beginning Charge-offs Recoveries Provision Ending

Residential real estate $ 439 $ (3 ) $ - $ 48 $ 484

Commercial real estate 649 - - 63 712

Agricultural real estate 127 - - 15 142

Commercial construction real estate 9 - 7 (15 ) 1

Residential construction real estate 4 - - 14 18

Home equity, home improvement and second mortgages 249 (93 ) 34 124 314

Commercial operating and term 92 (1 ) - 2 93

Agricultural operating and term 10 - - 4 14

Vehicle 32 - 1 (3 ) 30

Consumer 214 (1 ) 15 (102 ) 126

Total $ 1,825 $ (98 ) $ 57 $ 150 $ 1,934



Six Months Ended June 30, 2014

Balance, Balance,

Beginning Charge-offs Recoveries Provision Ending

Residential real estate $ 433 $ (3 ) $ - $ 54 $ 484

Commercial real estate 624 - 7 81 712

Agricultural real estate 130 - - 12 142

Commercial construction real estate 2 - - (1 ) 1

Residential construction real estate 11 - - 7 18

Home equity, home improvement and second mortgages 254 (177 ) 37 200 314

Commercial operating and term 87 (1 ) - 7 93

Agricultural operating and term 18 - - (4 ) 14

Vehicle 30 - 3 (3 ) 30

Consumer 135 (10 ) 34 (33 ) 126

Total $ 1,724 $ (191 ) $ 81 $ 320 $ 1,934

Schedule of allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method

June 30, 2015

Individually Collectively

Evaluated for Evaluated for

Impairment Impairment Total

Allowance for loan losses:

Residential real estate $ 80 $ 448 $ 528

Commercial real estate 341 445 786

Agricultural real estate - 159 159

Commercial construction real estate - - -

Residential construction real estate - 12 12

Home equity, home improvement and second mortgages 32 415 447

Commercial operating and term 29 88 117

Agricultural operating and term - 30 30

Vehicle 3 24 27

Consumer 3 75 78

Total $ 488 $ 1,696 $ 2,184

June 30, 2015

Individually Collectively

Evaluated for Evaluated for

Impairment Impairment Total

Loans:

Residential real estate $ 913 $ 54,382 $ 55,295

Commercial real estate 2,619 29,957 32,576

Agricultural real estate - 36,745 36,745

Commercial construction real estate - 1,154 1,154

Residential construction real estate - 1,061 1,061

Home equity, home improvement and second mortgages 31 31,558 31,589

Commercial operating and term 59 6,780 6,839

Agricultural operating and term - 6,825 6,825

Vehicle 3 1,976 1,979

Consumer 6 6,277 6,283

Total $ 3,631 $ 176,715 $ 180,346



December 31, 2014

Individually Collectively

Evaluated for Evaluated for

Impairment Impairment Total

Allowance for loan losses:

Residential real estate $ 115 $ 430 $ 545

Commercial real estate 341 381 722

Agricultural real estate - 155 155

Commercial construction real estate - 12 12

Residential construction real estate - 13 13

Home equity, home improvement and second mortgages 73 358 431

Commercial operating and term 32 77 109

Agricultural operating and term - 31 31

Vehicle - 28 28

Consumer 12 100 112

Total $ 573 $ 1,585 $ 2,158

December 31, 2014

Individually Collectively

Evaluated for Evaluated for

Impairment Impairment Total

Loans:

Residential real estate $ 1,283 $ 55,390 $ 56,674

Commercial real estate 2,637 28,016 30,653

Agricultural real estate - 38,128 38,128

Commercial construction real estate - 4,035 4,035

Residential construction real estate - 940 940

Home equity, home improvement and second mortgages 73 32,668 32,741

Commercial operating and term 63 5,655 5,718

Agricultural operating and term - 7,714 7,714

Vehicle - 1,671 1,671

Consumer 16 6,263 6,279

Total $ 4,072 $ 180,481 $ 184,553

X

- Definition
Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

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

+ Details

Name: us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 55

-Paragraph 19

-URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 29

-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953659-111524

+ Details

Name: us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of impaired financing receivables.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

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

+ Details

Name: us-gaap_ImpairedFinancingReceivablesTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_LoansAndLeasesReceivableDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7A

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

+ Details

Name: us-gaap_PastDueFinancingReceivablesTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.3,4)

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

+ Details

Name: us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the activity in the total allowance for credit losses related to financing receivables (such as loans or lease receivables) for entities that have an unclassified balance sheet, including the balance in the allowance at the beginning and end of each period, additions charged to operations, direct write-downs charged against the allowance, and recoveries of amounts previously charged off.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)

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

+ Details

Name: us-gaap_ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

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

+ Details

Name: us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 39 R36.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loans Receivable and Loans Held for Sale (Details 2) - Loans receivable - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Accounts, Notes, Loans and Financing Receivable [Line Items]

Nonaccrual $ 1,852 $ 1,010

Loans Past Due 90 Days or More and Still Accruing

Home equity, home improvement and second mortgages

Accounts, Notes, Loans and Financing Receivable [Line Items]

Nonaccrual $ 82 $ 255

Loans Past Due 90 Days or More and Still Accruing

Vehicle

Accounts, Notes, Loans and Financing Receivable [Line Items]

Nonaccrual $ 35 $ 1

Loans Past Due 90 Days or More and Still Accruing

Consumer

Accounts, Notes, Loans and Financing Receivable [Line Items]

Nonaccrual $ 29

Loans Past Due 90 Days or More and Still Accruing

Residential | Real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Nonaccrual $ 1,079 $ 687

Loans Past Due 90 Days or More and Still Accruing

Residential | Construction real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Nonaccrual

Loans Past Due 90 Days or More and Still Accruing

Commercial | Real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Nonaccrual

Loans Past Due 90 Days or More and Still Accruing

Commercial | Construction real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Nonaccrual

Loans Past Due 90 Days or More and Still Accruing

Commercial | Operating and term

Accounts, Notes, Loans and Financing Receivable [Line Items]

Nonaccrual $ 63 $ 67

Loans Past Due 90 Days or More and Still Accruing

Agricultural | Real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Nonaccrual $ 564

Loans Past Due 90 Days or More and Still Accruing

Agricultural | Operating and term

Accounts, Notes, Loans and Financing Receivable [Line Items]

Nonaccrual

Loans Past Due 90 Days or More and Still Accruing

X

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

Name: us-gaap_AccountsNotesAndLoansReceivableLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-Subparagraph (d)

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

+ Details

Name: us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-Subparagraph (d)

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

+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_LoansReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_AutomobileLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ResidentialPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=wefp_OperatingAndTermLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=wefp_AgriculturalPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 40 R24.htm IDEA: XBRL DOCUMENT v3.2.0.727

Stockholders' Equity, Regulatory Capital and Dividend Restrictions (Tables)
6 Months Ended

Jun. 30, 2015

Banking and Thrift [Abstract]

Schedule of Bank's compliance with its regulatory capital requirements

Minimum to Be Well

Minimum Capitalized Under

for Capital Prompt Corrective

Actual Adequacy Purposes Action Provisions

Amount Percent Amount Percent Amount Percent

Bank as of June 30, 2015:

Tier I capital
(to average assets) $ 25,007 9.94 % $ 10,059 4.00 % $ 12,574 5.00 %

Tier I capital common equity
(to risk weighted assets) 25,007 14.51 % 7,754 4.50 % 11,200 6.50 %

Tier I capital
(to risk weighted assets) 25,005 14.51 % 10,338 6.00 % 13,784 8.00 %

Total risk based capital
(to risk weighted assets) 27,196 15.78 % 13,784 8.00 % 17,230 10.00 %

Bank as of December 31, 2014:

Tier I capital
(to average assets) 25,380 9.90 % 10,255 4.00 % 12,819 5.00 %

Tier I capital
(to risk weighted assets) 25,380 13.58 % 7,478 4.00 % 11,217 6.00 %

Total capital
(to risk weighted assets) 27,566 14.74 % 14,956 8.00 % 18,695 10.00 %

X

- References
No definition available.
+ Details

Name: us-gaap_BankingAndThriftAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1B

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1G

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958577-112826

+ Details

Name: us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 41 Show.js IDEA: XBRL DOCUMENT /** * Rivet Software Inc. * * @copyright Copyright (c) 2006-2011 Rivet Software, Inc. All rights reserved. * Version 2.4.0.3 * */ var Show = {}; Show.LastAR = null, Show.hideAR = function(){ Show.LastAR.style.display = 'none'; }; Show.showAR = function ( link, id, win ){ if( Show.LastAR ){ Show.hideAR(); } var ref = link; do { ref = ref.nextSibling; } while (ref && ref.nodeName != 'TABLE'); if (!ref || ref.nodeName != 'TABLE') { var tmp = win ? win.document.getElementById(id) : document.getElementById(id); if( tmp ){ ref = tmp.cloneNode(true); ref.id = ''; link.parentNode.appendChild(ref); } } if( ref ){ ref.style.display = 'block'; Show.LastAR = ref; } }; Show.toggleNext = function( link ){ var ref = link; do{ ref = ref.nextSibling; }while( ref.nodeName != 'DIV' ); if( ref.style && ref.style.display && ref.style.display == 'none' ){ ref.style.display = 'block'; if( link.textContent ){ link.textContent = link.textContent.replace( '+', '-' ); }else{ link.innerText = link.innerText.replace( '+', '-' ); } }else{ ref.style.display = 'none'; if( link.textContent ){ link.textContent = link.textContent.replace( '-', '+' ); }else{ link.innerText = link.innerText.replace( '-', '+' ); } } }; XML 42 R7.htm IDEA: XBRL DOCUMENT v3.2.0.727

Consolidated Statements of Stockholders' Equity and Mezzanine Equity (Unaudited) (Parentheticals) - $ / shares
6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Statement of Stockholders' Equity [Abstract]

Cash dividends (in dollars per share) $ 0.36 $ 0.30

Treasury stock purchases (in shares) 6,230 10,308

X

- References
No definition available.
+ Details

Name: us-gaap_StatementOfStockholdersEquityAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of shares that have been repurchased during the period and are being held in treasury.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 505

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29, 30

-Article 5

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Article 3

+ Details

Name: us-gaap_TreasuryStockSharesAcquired

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Represents cash dividends per share.
+ References
No definition available.
+ Details

Name: wefp_CashDividendsPerShare

Namespace Prefix: wefp_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

XML 43 R3.htm IDEA: XBRL DOCUMENT v3.2.0.727

Consolidated Balance Sheets (Parentheticals) - USD ($)
$ in Thousands

Jun. 30, 2015

Dec. 31, 2014

Statement of Financial Position [Abstract]

Interest-bearing accounts (in dollars) $ 11,037 $ 7,411

Allowance for loan loss (in dollars) $ 2,184 $ 2,158

Redeemable common stock held by ESOP (in dollar per share) $ 0.10 $ 0.10

Redeemable common stock held by ESOP, shares issued 95,602

Redeemable common stock held by ESOP, shares outstanding 89,928 95,602

Preferred stock, par value (in dollars per share)

Preferred stock, shares authorized 500,000 500,000

Preferred stock, shares outstanding

Common stock, per value (in dollars per share) $ 0.10 $ 0.10

Common stock, shares authorized 7,000,000 7,000,000

Common stock, shares issued 2,091,898 2,091,898

Treasury stock, shares 1,451,478 1,445,248

X

- Definition
Face amount or stated value per share of common stock.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29)

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 30

-Article 5

+ Details

Name: us-gaap_CommonStockParOrStatedValuePerShare

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
The maximum number of common shares permitted to be issued by an entity's charter and bylaws.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29)

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 30

-Article 5

+ Details

Name: us-gaap_CommonStockSharesAuthorized

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.29)

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 30

-Article 5

+ Details

Name: us-gaap_CommonStockSharesIssued

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
For banks and other depository institutions (including Federal Reserve Banks, if applicable): Interest-bearing deposits in other financial institutions for relatively short periods of time including, for example, certificates of deposits, which are presented separately from cash on the balance sheet.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.2)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section 45

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=6476743&loc=d3e59706-112781

+ Details

Name: us-gaap_InterestBearingDepositsInBanks

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (g)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(1)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(d))

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 30

-Section 50

-Paragraph 2

-Subparagraph (b)(1)(ii)

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

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

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 6

-Section L

-Subsection 1

+ Details

Name: us-gaap_LoansAndLeasesReceivableAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Face amount per share of no-par value preferred stock nonredeemable or redeemable solely at the option of the issuer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.28)

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29

-Article 5

+ Details

Name: us-gaap_PreferredStockNoParValue

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
The maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.28)

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29

-Article 5

+ Details

Name: us-gaap_PreferredStockSharesAuthorized

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Aggregate share number for all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by stockholders. Does not include preferred shares that have been repurchased.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.28)

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29

-Article 5

+ Details

Name: us-gaap_PreferredStockSharesOutstanding

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_StatementOfFinancialPositionAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Per share amount of par value or stated value of stock classified as temporary equity. Temporary equity is a security with redemption features that are outside the control of the issuer, is not classified as an asset or liability in conformity with GAAP, and is not mandatorily redeemable.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (27)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 480

-SubTopic 10

-Section S99

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=27011957&loc=d3e177068-122764

+ Details

Name: us-gaap_TemporaryEquityParOrStatedValuePerShare

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
The number of securities classified as temporary equity that have been sold (or granted) to the entity's shareholders. Securities issued include securities outstanding and securities held in treasury. Temporary equity is a security with redemption features that are outside the control of the issuer, is not classified as an asset or liability in conformity with GAAP, and is not mandatorily redeemable. Includes any type of security that is redeemable at a fixed or determinable price or on a fixed or determinable date or dates, is redeemable at the option of the holder, or has conditions for redemption which are not solely within the control of the issuer. If convertible, the issuer does not control the actions or events necessary to issue the maximum number of shares that could be required to be delivered under the conversion option if the holder exercises the option to convert the stock to another class of equity. If the security is a warrant or a rights issue, the warrant or rights issue is considered to be temporary equity if the issuer cannot demonstrate that it would be able to deliver upon the exercise of the option by the holder in all cases. Includes stock with put option held by ESOP and stock redeemable by holder only in the event of a change in control of the issuer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.27(b))

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 28

-Subparagraph b

-Article 5

+ Details

Name: us-gaap_TemporaryEquitySharesIssued

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
The number of securities classified as temporary equity that have been issued and are held by the entity's shareholders. Securities outstanding equals securities issued minus securities held in treasury. Temporary equity is a security with redemption features that are outside the control of the issuer, is not classified as an asset or liability in conformity with GAAP, and is not mandatorily redeemable. Includes any type of security that is redeemable at a fixed or determinable price or on a fixed or determinable date or dates, is redeemable at the option of the holder, or has conditions for redemption which are not solely within the control of the issuer. If convertible, the issuer does not control the actions or events necessary to issue the maximum number of shares that could be required to be delivered under the conversion option if the holder exercises the option to convert the stock to another class of equity. If the security is a warrant or a rights issue, the warrant or rights issue is considered to be temporary equity if the issuer cannot demonstrate that it would be able to deliver upon the exercise of the option by the holder in all cases. Includes stock with put option held by ESOP and stock redeemable by holder only in the event of a change in control of the issuer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.27(b))

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 28

-Subparagraph b

-Article 5

+ Details

Name: us-gaap_TemporaryEquitySharesOutstanding

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Number of common and preferred shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.28,29)

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 29, 30

-Article 5

+ Details

Name: us-gaap_TreasuryStockShares

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

XML 44 R17.htm IDEA: XBRL DOCUMENT v3.2.0.727

Financial Instruments With Off-Balance-Sheet Risk
6 Months Ended

Jun. 30, 2015

Financial Instruments With Off Balance Sheet Risk [Abstract]

Financial Instruments With Off-Balance-Sheet Risk
Note 9. Financial Instruments With Off-Balance-Sheet Risk

The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include primarily commitments to extend credit. Those instruments involve, to varying degrees, elements of credit risk and interest rate risk in excess of the amount recognized in the consolidated balance sheet.

The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit, standby letters of credit, and financial guarantees written is represented by the contractual notional amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments.

Commitments to extend credit on loans totaled approximately $44,825 and $38,110 at June 30, 2015 and December 31, 2014, respectively.

Commitments to extend credit are agreements to lend to a customer as long as 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 Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if it is deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the counterparty. Collateral held varies but normally includes real estate and personal property.

X

- References
No definition available.
+ Details

Name: wefp_FinancialInstrumentsWithOffBalanceSheetRiskAbstract

Namespace Prefix: wefp_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Represents the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined) which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition.
+ References
No definition available.
+ Details

Name: wefp_FinancialInstrumentsWithOffBalanceSheetRiskTextBlock

Namespace Prefix: wefp_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 45 R1.htm IDEA: XBRL DOCUMENT v3.2.0.727

Document and Entity Information - shares
6 Months Ended

Jun. 30, 2015

Aug. 12, 2015

Document And Entity Information [Abstract]

Entity Registrant Name WELLS FINANCIAL CORP

Entity Central Index Key 0000934739

Trading Symbol wefp

Current Fiscal Year End Date --12-31

Entity Filer Category Smaller Reporting Company

Entity Common Stock, Shares Outstanding 811,478

Document Type 10-Q

Document Period End Date Jun. 30, 2015

Amendment Flag false

Document Fiscal Year Focus 2015

Document Fiscal Period Focus Q2

X

- Definition
If the value is true, then the document is an amendment to previously-filed/accepted document.
+ References
No definition available.
+ Details

Name: dei_AmendmentFlag

Namespace Prefix: dei_

Data Type: xbrli:booleanItemType

Balance Type: na

Period Type: duration

X

- Definition
End date of current fiscal year in the format --MM-DD.
+ References
No definition available.
+ Details

Name: dei_CurrentFiscalYearEndDate

Namespace Prefix: dei_

Data Type: xbrli:gMonthDayItemType

Balance Type: na

Period Type: duration

X

- Definition
This is focus fiscal period of the document report. For a first quarter 2006 quarterly report, which may also provide financial information from prior periods, the first fiscal quarter should be given as the fiscal period focus. Values: FY, Q1, Q2, Q3, Q4, H1, H2, M9, T1, T2, T3, M8, CY.
+ References
No definition available.
+ Details

Name: dei_DocumentFiscalPeriodFocus

Namespace Prefix: dei_

Data Type: dei:fiscalPeriodItemType

Balance Type: na

Period Type: duration

X

- Definition
This is focus fiscal year of the document report in CCYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.
+ References
No definition available.
+ Details

Name: dei_DocumentFiscalYearFocus

Namespace Prefix: dei_

Data Type: xbrli:gYearItemType

Balance Type: na

Period Type: duration

X

- Definition
The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented. If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.
+ References
No definition available.
+ Details

Name: dei_DocumentPeriodEndDate

Namespace Prefix: dei_

Data Type: xbrli:dateItemType

Balance Type: na

Period Type: duration

X

- Definition
The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word "Other".
+ References
No definition available.
+ Details

Name: dei_DocumentType

Namespace Prefix: dei_

Data Type: dei:submissionTypeItemType

Balance Type: na

Period Type: duration

X

- Definition
A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation 12B

-Number 240

-Section 12b

-Subsection 1

+ Details

Name: dei_EntityCentralIndexKey

Namespace Prefix: dei_

Data Type: dei:centralIndexKeyItemType

Balance Type: na

Period Type: duration

X

- Definition
Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.
+ References
No definition available.
+ Details

Name: dei_EntityCommonStockSharesOutstanding

Namespace Prefix: dei_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Indicate whether the registrant is one of the following: (1) Large Accelerated Filer, (2) Accelerated Filer, (3) Non-accelerated Filer, (4) Smaller Reporting Company (Non-accelerated) or (5) Smaller Reporting Accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.
+ References
No definition available.
+ Details

Name: dei_EntityFilerCategory

Namespace Prefix: dei_

Data Type: dei:filerCategoryItemType

Balance Type: na

Period Type: duration

X

- Definition
The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation 12B

-Number 240

-Section 12b

-Subsection 1

+ Details

Name: dei_EntityRegistrantName

Namespace Prefix: dei_

Data Type: xbrli:normalizedStringItemType

Balance Type: na

Period Type: duration

X

- Definition
Trading symbol of an instrument as listed on an exchange.
+ References
No definition available.
+ Details

Name: dei_TradingSymbol

Namespace Prefix: dei_

Data Type: xbrli:normalizedStringItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: wefp_DocumentAndEntityInformationAbstract

Namespace Prefix: wefp_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 46 R18.htm IDEA: XBRL DOCUMENT v3.2.0.727

Fair Value Measurements
6 Months Ended

Jun. 30, 2015

Fair Value Disclosures [Abstract]

Fair Value Measurements
Note 10. Fair Value Measurements

ASC Topic 820 defines 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.

ASC Topic 820 establishes a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows:

Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date

Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data

Level 3: Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability

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

In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date.

Investment securities available for sale: The fair values of exchange-listed equity securities are based on quoted market prices and are categorized as Level 1 of the fair value hierarchy. The fair values of debt securities were generally determined based on matrix pricing. Matrix pricing is a mathematical technique that utilizes observable market inputs including, for example, yield curves, credit ratings and prepayment speeds. Fair values determined using matrix pricing are categorized as Level 2 in the fair value hierarchy.

Redeemable common stock: The Company has certain shares of common stock outstanding whereby the holder may put its shares to the Company for cash. This redeemable common stock is recorded at its fair value in the mezzanine equity section of our consolidated balance sheets and changes in fair value are recorded in retained earnings. The fair value of a share of common stock was determined by applying a market valuation approach based upon comparative financial and pricing analysis of the Company with a peer group of publicly traded financial institutions. The comparative financial analysis is based on three types of market pricing ratios: price to earnings, price to book (or price to tangible book) and price to assets, with a greater emphasis given to price to earnings and price to book value. Valuations include assumptions not observable in the marketplace, and the related fair value measurements have been categorized as Level 3 measurements.

The Company is required, on a nonrecurring basis, to adjust the carrying value of certain assets or provide valuation allowances related to certain assets, using fair value measurements in accordance with generally accepted accounting principles.

Impaired loans: The specific reserves for collateral-dependent impaired loans are based on the fair value of the collateral less estimated costs to sell. The fair value of collateral was determined based on appraisals, with further adjustments made to the appraised values due to various factors, including the age of the appraisal, age of comparables included in the appraisal, and changes in the market and in the collateral. As these significant adjustments are based on unobservable inputs, the resulting fair value measurements have been categorized as Level 3 measurements.

Foreclosed real estate: Foreclosed real estate is recorded at fair value based on property appraisals, less estimated selling costs, at the date of transfer. The carrying value of foreclosed real estate is not remeasured to fair value on a recurring basis, but is subject to fair value adjustments when the carrying value exceeds the fair value, less estimated selling costs. Property appraisals are based on assumptions generally not observable in the marketplace, and the related nonrecurring fair value measurement adjustments have generally been classified as Level 3.

Mortgage servicing rights: Mortgage servicing rights are initially measured at fair value in the Company’s consolidated balance sheet. The Company utilizes the amortization method to subsequently measure its capitalized servicing assets. In accordance with ASC Topic 860, the Company must record impairment charges when the carrying value of certain strata exceeds their estimated fair value. To estimate the fair value of servicing rights, the Company considers market prices for similar assets and the present value of expected future cash flows associated with the servicing rights calculated using assumptions that market participants would use in estimating future servicing income and expense. Such assumptions include estimates of the cost of servicing loans, loan default rates, an appropriate discount rate, and prepayment speeds. For purposes of evaluating and measuring impairment of capitalized servicing rights, the Company stratifies such assets based on the predominant risk characteristics of the underlying financial instruments that are expected to have the most impact on projected prepayments, cost of servicing, and other factors affecting future cash flows associated with the servicing rights. Such factors may include financial asset or loan type, note rate and term. The amount of impairment recognized is the amount by which the carrying value of the capitalized servicing rights for a stratum exceeds estimated fair value. Impairment is recognized through a valuation allowance. The determination of fair value of capitalized servicing rights is considered a Level 3 valuation.

The following tables summarize assets and liabilities measured at fair value as of June 30, 2015 and December 31, 2014, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value:

June 30, 2015

Level 1 Level 2 Level 3 Total

Inputs Inputs Inputs Fair Value

Recurring:

Investment securities available for sale:

Residential mortgage-backed securities $ - $ 21,923 $ - $ 21,923

SBA pools - 1,680 - 1,680

Obligations of states and political subdivisions 9,101 - 9,101

Government-sponsored enterprise equity securities - 118 - 118

Redeemable common stock - - (2,383 ) (2,383 )

Nonrecurring:

Foreclosed real estate - - 3,199 3,199

Collateral-dependent impaired loans - - 3,143 3,143

Mortgage servicing rights - - 624 624

December 31, 2014

Level 1 Level 2 Level 3 Total

Inputs Inputs Inputs Fair Value

Recurring:

Investment securities available for sale:

Residential mortgage-backed securities $ - $ 22,545 $ - $ 22,545

SBA pools - 1,832 - 1,832

Obligations of states and political subdivisions - 9,698 - 9,698

Government-sponsored enterprise equity securities - 102 - 102

Redeemable common stock - - (2,533 ) (2,533 )

Nonrecurring:

Foreclosed real estate - - 3,656 3,656

Collateral-dependent impaired loans - - 3,002 3,002

Mortgage servicing rights - - 646 646

The following tables present additional quantitative information about the unobservable inputs used in the fair value measurement of mortgage servicing rights measured on a non-recurring basis that were categorized within Level 3 of the fair value hierarchy:

Fair Value at
June 30,
2015 Valuation Technique Unobservable Input Range

(in thousands)

Mortgage servicing rights $ 624 Discounted cash flows⁽¹⁾ Prepayment PSA 157 – 335

Discount rate 8.50% – 9.25%

Maturity (months) WAM 37 – 325

Costs to service $65 - $750

Fair Value at
December 31,
2014 Valuation Technique Unobservable Input Range

(in thousands)

Mortgage servicing rights $ 646 Discounted cash flows⁽¹⁾ Prepayment PSA 157- 335

Discount rate 8.50% – 9.25%

Maturity (months) WAM 37- 325

Costs to service $65 - $750

(1) The estimated fair value on mortgage servicing rights is determined through a cash flow analysis performed at the loan level and is based on the objective attributes of the portfolio (i.e., note rate, loan amount, etc.) and industry assumptions used in the marketplace.

There was no change in the fair value of redeemable common stock, which is a recurring fair value measurements using significant unobservable inputs (Level 3), between December 31, 2014 and June 30, 2015.

For the three and six months ended June 30, 2015 and 2014 there were no transfers in or out of Levels 1, 2, and 3.

ASC Topic 825 requires disclosure of the fair value of financial assets and financial liabilities, including those financial assets and financial liabilities that are not recognized at fair value on a recurring basis or nonrecurring basis. The methodologies for estimating the fair value of financial assets and financial liabilities that are recognized at fair value on a recurring or nonrecurring basis are discussed above. The methodologies for financial assets and financial liabilities are discussed in Note 1 of the consolidated financial statements for the year ended December 31, 2014.

 The estimated fair values of the Company’s financial instruments are as follows:

June 30, December 31,

2015 2014

Level in
Fair
Value Carrying Fair Carrying Fair

Hierarchy Amount Value Amount Value

Financial assets:

Cash and cash equivalents Level 1 $ 19,865 $ 19,865 $ 14,373 $ 14,373

Certificates of deposit Level 2 1,241 1,241 4,181 4,181

Federal funds sold Level 2 3,000 3,000 2,000 2,000

Securities available for sale Level 2 32,822 32,822 34,177 34,177

Federal Home Loan Bank stock Level 2 2,068 2,068 2,079 2,079

Loans held for sale Level 2 3,567 3,567 1,707 1,707

Loans receivable, net Level 2 177,859 177,463 182,050 183,219

Accrued interest receivable Level 2 966 966 834 834

Mortgage servicing rights Level 3 1,871 2,666 1,886 2,578

Financial liabilities:

Deposits Level 2 220,860 214,033 221,972 215,199

Advances from borrowers for taxes and insurance Level 2 2,621 2,621 2,630 2,630

Accrued interest payable Level 2 60 60 17 17

Redeemable common stock Level 3 2,383 2,383 2,533 2,533

X

- References
No definition available.
+ Details

Name: us-gaap_FairValueDisclosuresAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 820

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 30

-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14172-108612

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14064-108612

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 21

-URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13537-108611

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 16

-URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13504-108611

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 10

-URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13433-108611

+ Details

Name: us-gaap_FairValueDisclosuresTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 47 R4.htm IDEA: XBRL DOCUMENT v3.2.0.727

Consolidated Statements of Income (unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Interest income:

Loans receivable $ 2,062 $ 1,960 $ 4,237 $ 3,877

Investment securities and interest-bearing deposits 158 177 323 371

Total interest income 2,220 2,137 4,560 4,248

Interest expense:

Deposits 108 154 225 314

Total interest expense 108 154 225 314

Net interest income $ 2,112 1,983 4,335 3,934

Provision for loan losses 150 70 320

Net interest income after provision for loan losses $ 2,112 1,833 4,265 3,614

Noninterest income:

Gain on sale of loans held for sale 359 174 524 350

Loan servicing fees 215 207 430 432

Insurance commissions 169 151 341 292

Fees and service charges 123 112 229 217

Other 222 222 446 453

Total noninterest income 1,088 866 1,970 1,744

Noninterest expenses:

Compensation and benefits 1,145 1,188 2,257 2,367

Occupancy 173 193 357 401

Data processing 216 204 430 419

Advertising 64 62 123 110

Amortization of mortgage servicing rights 104 78 177 149

Other real estate owned 142 299 256 354

Other 472 516 945 980

Total noninterest expenses 2,316 2,540 4,545 4,780

Income before income taxes 884 159 1,690 578

Income tax expense 334 63 647 231

Net income $ 550 $ 96 $ 1,043 $ 347

Earnings per share:

Basic (in dollars per share) $ 0.75 $ 0.13 $ 1.41 $ 0.45

Diluted (in dollars per share) $ 0.75 $ 0.13 $ 1.41 $ 0.45

X

- Definition
Amount charged to advertising expense for the period, which are expenses incurred with the objective of increasing revenue for a specified brand, product or product line.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 720

-SubTopic 35

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6420018&loc=d3e36677-107848

+ Details

Name: us-gaap_AdvertisingExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The periodic amortization (in proportion to and over the period of estimated net servicing income or loss) of capitalized servicing rights, which contractually entitle the servicer to receive fees and ancillary revenues for performing billing, collection, disbursement and recordkeeping services in connection with a mortgage portfolio. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 50

-Paragraph 4

-Subparagraph (a)(4)

-URI http://asc.fasb.org/extlink&oid=56950315&loc=d3e122739-111746

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (b)

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

+ Details

Name: us-gaap_AmortizationOfMortgageServicingRightsMSRs

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_EarningsPerShareAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.21)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 55

-Paragraph 52

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 2

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.23)

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 18

-Article 7

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 20

-Article 5

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 21

-Article 9

+ Details

Name: us-gaap_EarningsPerShareBasic

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.21)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 2

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 18

-Article 7

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 20

-Article 5

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 21

-Article 9

+ Details

Name: us-gaap_EarningsPerShareDiluted

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of fees and commissions from financial services and banking activities and correspondent clearing. Includes fees from depositor accounts, credit cards, merchant discounts, and fiduciary and trust activities, guarantee fees, investment advisory, management, and administrative fees, transfer agent fees, and insurance commissions.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.13)

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

+ Details

Name: us-gaap_FeesAndCommissions

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net gain (loss) resulting from a sale of loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loan held for investment purposes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.3(a))

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.13(h))

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (b)

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

+ Details

Name: us-gaap_GainLossOnSalesOfLoansNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.4-08.(h)(1)(i))

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

+ Details

Name: us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 9

-Subparagraph (a),(b)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

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

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Income Tax Expense (or Benefit)

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

+ Details

Name: us-gaap_IncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount of expenses incurred in the period for information technology and data processing products and services.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.6)

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

+ Details

Name: us-gaap_InformationTechnologyAndDataProcessing

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.1-5)

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

+ Details

Name: us-gaap_InterestAndDividendIncomeOperating

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_InterestAndDividendIncomeOperatingAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.1)

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

+ Details

Name: us-gaap_InterestAndFeeIncomeLoansAndLeases

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of the cost of borrowed funds accounted for as interest expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 835

-SubTopic 20

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6450988&loc=d3e26243-108391

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.9)

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

+ Details

Name: us-gaap_InterestExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_InterestExpenseAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Aggregate amount of interest expense on all deposits.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.6)

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

+ Details

Name: us-gaap_InterestExpenseDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.12)

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

+ Details

Name: us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net amount of operating interest income (expense).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.10)

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

+ Details

Name: us-gaap_InterestIncomeExpenseNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Net Income

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.18)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.22)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Other Comprehensive Income

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 19

-Article 5

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 20

-Article 9

+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Total aggregate amount of all noninterest expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.14)

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

+ Details

Name: us-gaap_NoninterestExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NoninterestExpenseAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.13)

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

+ Details

Name: us-gaap_NoninterestIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NoninterestIncomeAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.14(b))

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.6)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 30

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6455398&loc=d3e45280-112737

+ Details

Name: us-gaap_OccupancyNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Other noninterest expenses that are not separately presented in any other noninterest expense category.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.14)

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

+ Details

Name: us-gaap_OtherNoninterestExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(2)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-04.11)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

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

+ Details

Name: us-gaap_ProvisionForLoanLeaseAndOtherLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Represents amount of compensation and benefits.
+ References
No definition available.
+ Details

Name: wefp_CompensationAndBenefits

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Represents amount of Fees and service charges.
+ References
No definition available.
+ Details

Name: wefp_FeesAndServiceCharges

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Represents investment securities and interest-bearing deposits.
+ References
No definition available.
+ Details

Name: wefp_InvestmentSecuritiesAndInterestBearingDeposits

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of fees from providing loan services.
+ References
No definition available.
+ Details

Name: wefp_LoanServicingFees

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Represents amount of ATM Income, Commission Income- Annuities, & Securities.
+ References
No definition available.
+ Details

Name: wefp_OtherNoninterestIncome

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Represents amount of Gain/ Loss on Sale of Real Estate Owned Writedown as well as Repair, Taxes, Insurance, other.
+ References
No definition available.
+ Details

Name: wefp_OtherRealEstateOwned

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

XML 48 R12.htm IDEA: XBRL DOCUMENT v3.2.0.727

Securities Available for Sale
6 Months Ended

Jun. 30, 2015

Investments, Debt and Equity Securities [Abstract]

Securities Available for Sale
Note 4. Securities Available for Sale

June 30, 2015

Gross Gross

Amortized Unrealized Unrealized

Cost Gains Losses Fair Value

Residential mortgage-backed agencies $ 22,041 $ 57 $ (175 ) $ 21,923

SBA pools 1,674 6 - 1,680

Obligations of states and political subdivisions 9,005 138 (42 ) 9,101

Government-sponsored enterprise equity 40 78 - 118

$ 32,760 $ 279 $ (217 ) $ 32,822

December 31, 2014

Gross Gross

Amortized Unrealized Unrealized

Cost Gains Losses Fair Value

Residential mortgage-backed agencies $ 22,677 $ 60 $ (192 ) $ 22,545

SBA pools 1,835 6 (9 ) 1,832

Obligations of states and political subdivisions 9,474 250 (26 ) 9,698

Government-sponsored enterprise equity 40 62 - 102

$ 34,026 $ 378 $ (227 ) $ 34,177



Contractual maturities: The amortized cost and fair value of securities available for sale as of June 30, 2015, by contractual maturity are shown below. Maturities may differ from contractual maturities in residential mortgage-backed securities and Small Business Administration (SBA) pools because the mortgages underlying the securities may be called or repaid without any penalties. In addition, government-sponsored enterprise equity securities have no maturity. Therefore, these securities are not included in the maturity categories in the following maturity summary.

June 30, 2015

Amortized Cost Fair Value

Due in one year or less $ 839 $ 841

Due in one to five years 3,708 3,736

Due after five through 10 years 2,456 2,477

Due after 10 years 2,002 2,047

9,005 9,101

Residential mortgage-backed agencies 22,041 21,923

SBA pools 1,674 1,680

Government-sponsored enterprise equity 40 118

$ 32,760 $ 32,822

Pledged securities: Securities with a carrying value of $22,712 and $20,961 at June 30, 2015 and December 31, 2014, respectively, were pledged to secure borrowed funds and for other purposes as required or permitted by law.

Changes in other comprehensive income—unrealized gains (loss) on securities available for sale:



Three Months Ended June 30, Six Months Ended June 30,

2015 2014 2015 2014

Balance, beginning $ 216 $ (10 ) $ 93 $ (264 )

Unrealized gains (losses) during the year (298 ) 153 (89 ) 771

Deferred tax effect relating to unrealized gain 123 (63 ) 37 (427 )

Balance, ending $ 41 $ 80 $ 41 $ 80



Temporarily impaired securities:

June 30, 2015

Continuous Unrealized Continuous Unrealized

Losses Existing Losses Existing

12 Months or Less Greater Than 12 Months Total

Fair Unrealized Fair Unrealized Fair Unrealized

Value Loss Value Loss Value Loss

Residential mortgage-backed agencies $ 5,250 $ 33 $ 8,829 $ 142 $ 14,079 $ 175

Obligations of states and political subdivisions 2,294 16 911 26 3,205 42

$ 7,544 $ 49 $ 9,740 $ 168 $ 17,284 $ 217

December 31, 2014

Continuous Unrealized Continuous Unrealized

Losses Existing Losses Existing

12 Months or Less Greater Than 12 Months Total

Fair Unrealized Fair Unrealized Fair Unrealized

Value Loss Value Loss Value Loss

Residential mortgage-backed agencies $ 5,679 $ 20 $ 10,566 $ 171 $ 16,245 $ 191

SBA pools - - 1,250 9 1,250 9

Obligations of states and political subdivisions 1,495 6 1,180 20 2,675 26

$ 7,174 $ 26 $ 12,996 $ 200 $ 20,170 $ 226

There were 32 and 37 securities in unrealized loss positions as of June 30, 2015 and December 31, 2014, respectively.

Unrealized losses are deemed to be temporary. Most of these underlying securities consist of mortgage-backed securities. Market fluctuations are caused primarily by changes in interest rates and prepayments of underlying mortgages. Volatility in economic conditions influences the prices of these securities. There were no sales of available-for-sale securities during the six months ended June 30, 2015 and 2014.

X

- References
No definition available.
+ Details

Name: us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for investments in certain debt and equity securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-Glossary Debt Security

-URI http://asc.fasb.org/extlink&oid=6509901

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 6

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 30

-Section 50

-Paragraph 2

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-Glossary Equity Security

-URI http://asc.fasb.org/extlink&oid=6511694

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 320

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62557-112803

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 9

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27357-111563

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 10

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27405-111563

+ Details

Name: us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 49 R11.htm IDEA: XBRL DOCUMENT v3.2.0.727

Certificates of Deposit
6 Months Ended

Jun. 30, 2015

Certificates Of Deposit [Abstract]

Certificates of Deposit
Note 3. Certificates of Deposit

Certificates of deposit with a carrying value of $1,241 and $4,181 at June 30, 2015 and December 31, 2014, respectively, had weighted-average yields of 0.67 and 0.41 percent, respectively, and contractual maturities of less than one year.

X

- References
No definition available.
+ Details

Name: wefp_CertificatesOfDepositAbstract

Namespace Prefix: wefp_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for certificates of deposit.
+ References
No definition available.
+ Details

Name: wefp_CertificatesOfDepositTextBlock

Namespace Prefix: wefp_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 50 R23.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loan Servicing (Tables)
6 Months Ended

Jun. 30, 2015

Loan Servicing [Abstract]

Schedule of mortgage servicing rights

June 30, June 30,

2015 2014

Balance at beginning of year, net $ 1,886 $ 1,952

Mortgage servicing rights capitalized 162 107

Amortization expense (177 ) (150 )

Valuation provision change - -

Balance at end of period, net $ 1,871 $ 1,909

X

- Definition
Tabular disclosure of activity in the balance of servicing assets subsequently measured at amortized cost. Includes, but is not limited to, beginning and ending balances, additions, disposals, and amortization.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 50

-Paragraph 4

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=56950315&loc=d3e122739-111746

+ Details

Name: us-gaap_ScheduleOfServicingAssetsAtAmortizedValueTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: wefp_LoanServicingAbstract

Namespace Prefix: wefp_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 51 R19.htm IDEA: XBRL DOCUMENT v3.2.0.727

Subsequent Events
6 Months Ended

Jun. 30, 2015

Subsequent Events [Abstract]

Subsequent Events
Note 11. Subsequent Events

On November 14, 2014, the Company entered into an agreement and plan of conversion merger with St. James Federal Savings and Loan Association (St. James), a federal mutual savings association. Under the plan, St. James converted to stock form and merged into the Bank. On July 16, 2015, the conversion merger was completed by acquiring 100% of the voting shares of St. James. The Company sold and issued 78,736 shares of its common stock at $27.36 per share. The Company’s ESOP acquired 8%, 6,299 shares, of the newly issued shares using funds borrowed from the Company. Since the shares were offered to the prior depositors and borrowers of St. James at a 5% discount to the average bid and ask quotation for 30 trading days prior to the final prospectus, the fair value of the consideration paid was determined to approximate zero. The Company’s primary reasons for the acquisition are to provide for asset growth, improve capital and competitive position, and increase the limit on loans to one borrower.

An estimate of the contractual amounts receivable for loans that are not expected to be collected has not been determined yet, since the initial accounting for the acquisition is incomplete, as noted below.

 The following table presents pro forma financial information assuming the acquisition occurred on January 1, 2014:

Three Months Ended
June 30, Six Months Ended
June 30,

2015 2014 2015 2014

Revenues $ 3,580 $ 3,256 $ 7,082 $ 6,540

Net income $ 591 $ 102 $ 1,116 $ 386

Diluted net income per share $ 0.72 $ 0.12 $ 1.36 $ 0.46

Diluted weighted-average shares 816,185 840,352 818,538 841,614

The preliminary allocation of the consideration paid for the acquired assets and assumed liabilities are as follows:

Cash and cash equivalents $ 6,938

Securities 1,053

Loans (contractual amount $17,434) 17,102

Core deposit intangible 287

Other assets 683

Total assets 26,063

Deposits $ 22,971

Other liabilities 38

Total liabilities 23,009

Net assets acquired $ 3,054

Fair value of consideration $ -

Estimated bargain purchase gain 3,054

Total $ 3,054

The merger is expected to result in a gain because of the legal and financial barriers to completing the merger, including the related transaction costs associated with the conversion merger and stock issuance.

The above allocation assumes the core deposit intangible value is 1.25% of deposits. The fair value of other assets acquired and liabilities assumed are based upon historical carrying amounts. These allocations are not final as valuation procedures to determine their acquisition date fair value have not been completed yet. Final fair value computations are expected to be based on discounted expected cash flows, among other valuation techniques. The amount of bargain purchase gain to be recognized is dependent upon the determination of these fair values.

Stock issuance costs incurred through June 30, 2015 totaled $740. These costs have been deferred and recognized as an other asset. During the third quarter of 2015, total stock issuance costs will be offset against the proceeds of the offering, which will be recognized as paid-in capital.

X

- References
No definition available.
+ Details

Name: us-gaap_SubsequentEventsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for significant events or transactions that occurred after the balance sheet date through the date the financial statements were issued or the date the financial statements were available to be issued. Examples include: the sale of a capital stock issue, purchase of a business, settlement of litigation, catastrophic loss, significant foreign exchange rate changes, loans to insiders or affiliates, and transactions not in the ordinary course of business.
+ References
No definition available.
+ Details

Name: us-gaap_SubsequentEventsTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 52 R15.htm IDEA: XBRL DOCUMENT v3.2.0.727

Stockholders' Equity, Regulatory Capital and Dividend Restrictions
6 Months Ended

Jun. 30, 2015

Banking and Thrift [Abstract]

Stockholders' Equity, Regulatory Capital and Dividend Restrictions
Note 7. Stockholders’ Equity, Regulatory Capital and Dividend Restrictions

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

Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the following table) of total common equity Tier I, and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined). Management believes, as of June 30, 2015, that the Bank meets all capital adequacy requirements to which it is subject.

As of June 30, 2015, the most recent notification of the Federal Deposit Insurance Corporation categorized the Bank as “well capitalized” under the regulatory framework for Prompt Corrective Action. To be categorized as “well capitalized,” the Bank must maintain minimum total risk-based, common equity Tier I, Tier I risk-based, and Tier I leverage ratios. There are no conditions or events since that notification that management believes have changed the Bank’s category.



The following table summarizes the Bank’s compliance with its regulatory capital requirements:

Minimum to Be Well

Minimum Capitalized Under

for Capital Prompt Corrective

Actual Adequacy Purposes Action Provisions

Amount Percent Amount Percent Amount Percent

Bank as of June 30, 2015:

Tier I capital
(to average assets) $ 25,007 9.94 % $ 10,059 4.00 % $ 12,574 5.00 %

Tier I capital common equity
(to risk weighted assets) 25,007 14.51 % 7,754 4.50 % 11,200 6.50 %

Tier I capital
(to risk weighted assets) 25,005 14.51 % 10,338 6.00 % 13,784 8.00 %

Total risk based capital
(to risk weighted assets) 27,196 15.78 % 13,784 8.00 % 17,230 10.00 %

Bank as of December 31, 2014:

Tier I capital
(to average assets) 25,380 9.90 % 10,255 4.00 % 12,819 5.00 %

Tier I capital
(to risk weighted assets) 25,380 13.58 % 7,478 4.00 % 11,217 6.00 %

Total capital
(to risk weighted assets) 27,566 14.74 % 14,956 8.00 % 18,695 10.00 %

X

- References
No definition available.
+ Details

Name: us-gaap_BankingAndThriftAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for financial services specifically banking and thrift entities at the end of the reporting period.
+ References
No definition available.
+ Details

Name: us-gaap_BankingAndThriftDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 53 R13.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loans Receivable and Loans Held for Sale
6 Months Ended

Jun. 30, 2015

Loans and Leases Receivable Disclosure [Abstract]

Loans Receivable and Loans Held for Sale
Note 5. Loans Receivable and Loans Held for Sale

Composition of loans receivable:

June 30, December 31,

2015 2014

Residential real estate $ 55,295 $ 56,674

Commercial real estate 32,576 30,653

Agricultural real estate 36,745 38,128

Commercial construction real estate 1,154 4,035

Residential construction real estate 1,061 940

Home equity, home improvement and second mortgages 31,589 32,741

Commercial operating and term 6,839 5,718

Agricultural operating and term 6,825 7,714

Vehicle 1,979 1,671

Consumer 6,283 6,279

Total loans 180,346 184,553

Net deferred loan origination fees (303 ) (345 )

Allowance for loan loss (2,184 ) (2,158 )

Loans receivable, net $ 177,859 $ 182,050

Loans are made to individuals as well as commercial and tax-exempt entities. Specific loan terms vary as to interest rate, repayment and collateral requirements based on the type of loan requested and the creditworthiness of the prospective borrower. Credit risk tends to be geographically concentrated in that a majority of the loan customers are located in the markets serviced by the Company.

The Company’s extension of credit is governed by the individual loan policies that were established to control the quality of the Company’s loans. These policies and procedures are reviewed and approved by the Board of Directors on a regular basis.

Residential real estate loans: The Company originates residential real estate loans in its service area and also originates loans throughout Minnesota through its correspondent bank relationships. Currently, the majority of these loan originations are sold to the secondary market.

Commercial real estate loans: The Company’s goal is to create and maintain a high-quality portfolio of commercial real estate loans with customers who meet the credit quality and relationship profitability objectives of the Company. Commercial real estate loans are subject to underwriting standards and processes similar to commercial operating and term loans. These loans are analyzed using projected cash flows, and the repayment of these loans is largely dependent on the successful operation of the property. Loan performance may be adversely affected by factors impacting the general economy or conditions specific to the real estate market, such as geographic location and property type.

Agricultural real estate loans: The Company originates loans secured by agricultural real estate in its service area. Agricultural land in the Company’s service area is considered to be prime agricultural land. These loans are underwritten using both a cash flow analysis and appraised values. These are amortizing loans, and loan-to-value ratios generally do not exceed 60 percent at loan inception.



Commercial construction real estate loans: The Company defines construction loans as loans where the loan proceeds are controlled by the Company and used exclusively for the improvement of real estate in which the Company holds a mortgage. Due to the inherent risk in this type of loan, they are subject to other industry-specific policy guidelines outlined in the Company’s credit risk policy and are monitored closely.

Residential construction real estate loans: Residential construction loans originated by the Company generally are limited to six-month terms. When construction is completed, these loans are converted to permanent financing or sold to the secondary market.

Commercial operating and term loans: Commercial operating and term loans are originated in the Company’s primary service area. These loans are made to individuals, partnerships, corporations, limited liability partnerships and limited liability companies for the purpose of assisting in the development of a business enterprise. Loans to closely held businesses will generally be guaranteed in full or for a meaningful amount by the businesses’ major owners. Commercial loans are made based primarily on the historical and projected cash flow of the borrower and secondarily on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not perform as forecasted, and collateral securing loans may fluctuate in value due to economic or individual performance factors. Minimum standards and underwriting guidelines have been established for all commercial loan types.

Agricultural operating and term loans: Agricultural operating and term loans are originated in the Company’s primary service area and are generally used to purchase agricultural equipment or crop inputs. These loans are primarily secured by agricultural real estate and agricultural equipment or crops. Agricultural term and operating loans are made based primarily on the historical and projected cash flow of the borrower and secondarily on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not behave as forecasted, and collateral securing loans may fluctuate in value due to economic or individual performance factors. Minimum standards and underwriting guidelines have been established for all agricultural loan types.

Consumer loans, including home equity, home improvement and second mortgages, and vehicle loans: The Company originates direct consumer loans, including home equity lines and loans, credit cards, and vehicle loans, using a scoring-based credit analysis as part of the underwriting process. Each loan type has a separate specified scoring that consists of several factors, including debt to income, type of collateral and loan-to-collateral value, credit history, and Company relationship with the borrower.

Loans receivable:

June 30, 2015

Loans Past

30–59 Days 60–89 Days Due 90 Days Total

Current Past Due Past Due or More Past Due Total

Residential real estate $ 52,122 $ 1,375 $ 719 $ 1,079 $ 3,173 $ 55,295

Commercial real estate 31,653 923 - - 923 32,576

Agricultural real estate 36,064 117 - 564 681 36,745

Commercial construction real estate 1,154 - - - - 1,154

Residential construction real estate 1,061 - - - - 1,061

Home equity, home improvement and second mortgages 31,183 262 62 82 406 31,589

Commercial operating and term 6,659 - 117 63 180 6,839

Agricultural operating and term 6,825 - - - - 6,825

Vehicle 1,939 5 - 35 40 1,979

Consumer 6,228 26 - 29 55 6,283

Total loans $ 174,888 $ 2,708 $ 898 $ 1,852 $ 5,458 $ 180,346

Nonperforming loans $ - $ - $ - $ 1,852 $ 1,852 $ 1,852

December 31, 2014

Loans Past

30–59 Days 60–89 Days Due 90 Days Total

Current Past Due Past Due or More Past Due Total

Residential real estate $ 54,698 $ 782 $ 507 $ 687 $ 1,976 $ 56,674

Commercial real estate 30,653 - - - - 30,653

Agricultural real estate 37,843 285 - - 285 38,128

Commercial construction real estate 4,035 - - - - 4,035

Residential construction real estate 940 - - - - 940

Home equity, home improvement and second mortgages 32,291 193 2 255 450 32,741

Commercial operating and term 5,569 82 - 67 149 5,718

Agricultural operating and term 7,674 40 - - 40 7,714

Vehicle 1,661 8 1 1 10 1,671

Consumer 6,243 26 10 - 36 6,279

Total loans $ 181,607 $ 1,416 $ 520 $ 1,010 $ 2,946 $ 184,553

Nonperforming loans $ - $ - $ - $ 1,010 $ 1,010 $ 1,010



Recorded investment in nonaccrual loans and loans past due 90 days or more and still accruing by class of loans as of June 30, 2015 and December 31, 2014, were as follows:

June 30, 2015

Loans Past Due

90 Days or More

Nonaccrual and Still Accruing

Residential real estate $ 1,079 $ -

Commercial real estate - -

Agricultural real estate 564 -

Commercial construction real estate - -

Residential construction real estate - -

Home equity, home improvement and second mortgages 82 -

Commercial operating and term 63 -

Agricultural operating and term - -

Vehicle 35 -

Consumer 29 -

Total $ 1,852 $ -

December 31, 2014

Loans Past Due

90 Days or More

Nonaccrual and Still Accruing

Residential real estate $ 687 $ -

Commercial real estate - -

Agricultural real estate - -

Commercial construction real estate - -

Residential construction real estate - -

Home equity, home improvement and second mortgages 255 -

Commercial operating and term 67 -

Agricultural operating and term - -

Vehicle 1 -

Consumer - -

Total $ 1,010 $ -

No interest income was recognized on nonaccrual loans for the six months ended June 30, 2015 and 2014.

The Company utilizes an internal asset classification system as a means of reporting problem and potential problem loans. Under the Company’s risk-rating system, the Company classifies problem and potential problem loans as “Special Mention,” “Substandard” and “Doubtful,” which correspond to risk ratings five, six and seven, respectively. Substandard loans include those characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Loans classified as Doubtful, or risk-rated seven, have all the weaknesses inherent in those classified as Substandard, with 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. Loans that do not currently expose the Company to sufficient risk to warrant classification in one of the aforementioned categories, but possess weaknesses that deserve management’s close attention, are deemed to be Special Mention, or risk-rated five. Risk ratings are updated any time the situation warrants.

Loans not meeting the criteria above that are analyzed individually as part of the above-described process are considered to be pass-rated loans. Loans listed as not rated are included in groups of homogeneous loans with similar risk and loss characteristics. The following tables present the risk category of loans by class of loans based on the most recent analyses performed and the contractual aging as of June 30, 2015 and December 31, 2014:

June 30, 2015

Special

Pass Mention Substandard Doubtful Total

Commercial real estate $ 30,444 $ 1,427 $ 705 $ - $ 32,576

Commercial construction real estate 1,154 - - - 1,154

Commercial operating and term 6,629 15 195 - 6,839

Agricultural operating and term 6,792 33 - - 6,825

Total $ 45,019 $ 1,475 $ 900 $ - $ 47,394

December 31, 2014

Special

Pass Mention Substandard Doubtful Total

Commercial real estate $ 26,449 $ 3,556 $ 648 $ - $ 30,653

Commercial construction real estate 4,035 - - - 4,035

Commercial operating and term 5,426 - 292 - 5,718

Agricultural operating and term 7,714 - - - 7,714

Total $ 43,624 $ 3,556 $ 940 $ - $ 48,120



For consumer, residential real estate, agricultural real estate, home equity, vehicle and residential construction loan classes, the Company collectively evaluates loans for impairment. The Company evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. Loans where credit quality and aging indicate potential weakness are placed on nonaccrual and are deemed to be nonperforming.

Impaired loans also include loans modified in a troubled debt restructuring where concessions have been granted to borrowers experiencing financial difficulties. These concessions could include a reduction in interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collections. There were no troubled debt restructurings of loans for the three and six months ended June 30, 2015 and 2014.

Payments received on nonaccrual loans are applied as a direct reduction of principal. Nonaccrual loans that are brought current, and do not have additional credit risk factors noted, are returned to accrual status.

There were no loans modified in a troubled debt restructuring during the previous twelve month period that subsequently defaulted during the three and six months ended June 30, 2015 and 2014.

Loans individually evaluated for impairment by class of loans as of June 30, 2015 and December 31, 2014 are as follows:

June 30. 2015

Unpaid Allowance for Average Interest

Principal Recorded Loan Losses Recorded Income

Balance Investment Allocated Investment Recognized

With no related allowance recorded:

Residential real estate $ 491 $ 491 $ - $ 494 $ 13

With an allowance recorded:

Residential real estate 422 422 80 422 19

Commercial real estate 2,619 2,619 341 2,622 55

Home equity, home improvement and second mortgages 31 31 32 31 -

Commercial operating and term 59 59 29 65 2

Consumer 6 6 3 6 -

Vehicle 3 3 3 3 -

Total $ 3,631 $ 3,631 $ 488 $ 3,663 $ 89

December 31, 2014

Unpaid Allowance for Average Interest

Principal Recorded Loan Losses Recorded Income

Balance Investment Allocated Investment Recognized

With no related allowance recorded:

Residential real estate $ 461 $ 461 $ - $ 505 $ 27

With an allowance recorded:

Residential real estate 822 822 115 830 34

Commercial real estate 2,637 2,637 341 2,690 99

Home equity, home improvement and second mortgages 73 73 73 74 2

Commercial operating and term 63 63 32 - 2

Consumer 16 16 12 16 2

Total $ 4,072 $ 4,072 $ 573 $ 4,115 $ 166

Allowance for loan losses:

Three Months Ended June 30, 2015

Balance, Balance,

Beginning Charge-offs Recoveries Provision Ending

Residential real estate $ 552 $ (9 ) $ - $ (15 ) $ 528

Commercial real estate 785 - - 1 786

Agricultural real estate 155 - - 4 159

Commercial construction real estate - - - - -

Residential construction real estate 4 - - 8 12

Home equity, home improvement and second mortgages 474 (85 ) 5 53 447

Commercial operating and term 114 - - 3 117

Agricultural operating and term 25 - - 5 30

Vehicle 30 - 1 (4 ) 27

Consumer 113 (6 ) 26 (55 ) 78

Total $ 2,252 $ (100 ) $ 32 $ - $ 2,184

Six Months Ended June 30, 2015

Balance, Balance,

Beginning Charge-offs Recoveries Provision Ending

Residential real estate $ 545 $ (9 ) $ 9 $ (17 ) $ 528

Commercial real estate 722 - - 64 786

Agricultural real estate 155 - - 4 159

Commercial construction real estate 12 - - (12 ) -

Residential construction real estate 13 - - (1 ) 12

Home equity, home improvement and second mortgages 431 (89 ) 14 91 447

Commercial operating and term 109 - - 8 117

Agricultural operating and term 31 - - (1 ) 30

Vehicle 28 - 4 (5 ) 27

Consumer 112 (9 ) 36 (61 ) 78

Total $ 2,158 $ (107 ) $ 63 $ 70 $ 2,184



Three Months Ended June 30, 2014

Balance, Balance,

Beginning Charge-offs Recoveries Provision Ending

Residential real estate $ 439 $ (3 ) $ - $ 48 $ 484

Commercial real estate 649 - - 63 712

Agricultural real estate 127 - - 15 142

Commercial construction real estate 9 - 7 (15 ) 1

Residential construction real estate 4 - - 14 18

Home equity, home improvement and second mortgages 249 (93 ) 34 124 314

Commercial operating and term 92 (1 ) - 2 93

Agricultural operating and term 10 - - 4 14

Vehicle 32 - 1 (3 ) 30

Consumer 214 (1 ) 15 (102 ) 126

Total $ 1,825 $ (98 ) $ 57 $ 150 $ 1,934



Six Months Ended June 30, 2014

Balance, Balance,

Beginning Charge-offs Recoveries Provision Ending

Residential real estate $ 433 $ (3 ) $ - $ 54 $ 484

Commercial real estate 624 - 7 81 712

Agricultural real estate 130 - - 12 142

Commercial construction real estate 2 - - (1 ) 1

Residential construction real estate 11 - - 7 18

Home equity, home improvement and second mortgages 254 (177 ) 37 200 314

Commercial operating and term 87 (1 ) - 7 93

Agricultural operating and term 18 - - (4 ) 14

Vehicle 30 - 3 (3 ) 30

Consumer 135 (10 ) 34 (33 ) 126

Total $ 1,724 $ (191 ) $ 81 $ 320 $ 1,934



The allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of June 30, 2015 and December 31, 2014, are as follows:

June 30, 2015

Individually Collectively

Evaluated for Evaluated for

Impairment Impairment Total

Allowance for loan losses:

Residential real estate $ 80 $ 448 $ 528

Commercial real estate 341 445 786

Agricultural real estate - 159 159

Commercial construction real estate - - -

Residential construction real estate - 12 12

Home equity, home improvement and second mortgages 32 415 447

Commercial operating and term 29 88 117

Agricultural operating and term - 30 30

Vehicle 3 24 27

Consumer 3 75 78

Total $ 488 $ 1,696 $ 2,184

June 30, 2015

Individually Collectively

Evaluated for Evaluated for

Impairment Impairment Total

Loans:

Residential real estate $ 913 $ 54,382 $ 55,295

Commercial real estate 2,619 29,957 32,576

Agricultural real estate - 36,745 36,745

Commercial construction real estate - 1,154 1,154

Residential construction real estate - 1,061 1,061

Home equity, home improvement and second mortgages 31 31,558 31,589

Commercial operating and term 59 6,780 6,839

Agricultural operating and term - 6,825 6,825

Vehicle 3 1,976 1,979

Consumer 6 6,277 6,283

Total $ 3,631 $ 176,715 $ 180,346

December 31, 2014

Individually Collectively

Evaluated for Evaluated for

Impairment Impairment Total

Allowance for loan losses:

Residential real estate $ 115 $ 430 $ 545

Commercial real estate 341 381 722

Agricultural real estate - 155 155

Commercial construction real estate - 12 12

Residential construction real estate - 13 13

Home equity, home improvement and second mortgages 73 358 431

Commercial operating and term 32 77 109

Agricultural operating and term - 31 31

Vehicle - 28 28

Consumer 12 100 112

Total $ 573 $ 1,585 $ 2,158

December 31, 2014

Individually Collectively

Evaluated for Evaluated for

Impairment Impairment Total

Loans:

Residential real estate $ 1,283 $ 55,390 $ 56,674

Commercial real estate 2,637 28,016 30,653

Agricultural real estate - 38,128 38,128

Commercial construction real estate - 4,035 4,035

Residential construction real estate - 940 940

Home equity, home improvement and second mortgages 73 32,668 32,741

Commercial operating and term 63 5,655 5,718

Agricultural operating and term - 7,714 7,714

Vehicle - 1,671 1,671

Consumer 16 6,263 6,279

Total $ 4,072 $ 180,481 $ 184,553

Loans with a carrying value of $95,103 and $96,740 at June 30, 2015 and December 31, 2014, respectively, were pledged to secure borrowed funds.



Related-party loans: The Company has entered into transactions with its executive officers, directors, significant shareholders, and their affiliates (related parties). The aggregate amounts of loans to such related parties at June 30, 2015 and December 31, 2014, were $134 and $342, respectively. During 2015 and 2014, new loans to such related parties were $34 and $185, respectively, and repayments were $146 and $67, respectively. In the opinion of management, these loans have terms similar to other customer loans and do not present more than normal risk of collection.

Loans held for sale: As of June 30, 2015 and December 31, 2014, the Company’s loans held for sale were $3,567 and $1,707, respectively, and consisted of one- to four-family residential real estate loans.

Interest rate lock commitments related to the origination of mortgage loans that will be sold are considered derivative instruments. The Company estimates the fair value of these derivatives using the difference between the guaranteed interest rate in the commitments and the current market interest rate. To reduce the net interest rate exposure arising from its loan sale activity, the Company enters into a commitment to sell these loans at the same time that the interest rate lock commitment is quoted. The commitments to sell loans are also considered derivative instruments, with offsetting estimated fair values based on changes in current market rates. These commitments are not designated as hedging instruments and, therefore, changes in fair value are recognized immediately into income. The fair values of the Company’s derivative instruments are offsetting and deemed to be immaterial.

X

- References
No definition available.
+ Details

Name: us-gaap_LoansAndLeasesReceivableDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5066-111524

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.3,4)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5162-111524

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 1

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

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5074-111524

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Article 9

+ Details

Name: us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 54 R14.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loan Servicing
6 Months Ended

Jun. 30, 2015

Loan Servicing [Abstract]

Loan Servicing
Note 6. Loan Servicing

Mortgage loans serviced for others are not included in the accompanying consolidated balance sheets. The unpaid principal balances of these loans as of June 30, 2015 and December 31, 2014, were $322,992 and $332,075, respectively, and consist of one- to four-family residential real estate loans. These loans are serviced primarily for the Federal Home Loan Mortgage Corporation, Federal Home Loan Bank and Federal National Mortgage Association.

Custodial escrow balances maintained in connection with the foregoing loan servicing, and included in advances from borrowers for taxes and insurance, were $2,328 and $2,347 at June 30, 2015 and December 31, 2014, respectively.

Mortgage servicing rights are summarized as follows for the six months ended June 30, 2015 and 2014:

June 30, June 30,

2015 2014

Balance at beginning of year, net $ 1,886 $ 1,952

Mortgage servicing rights capitalized 162 107

Amortization expense (177 ) (150 )

Valuation provision change - -

Balance at end of period, net $ 1,871 $ 1,909

The estimated fair value of mortgage servicing rights was $2,666 and $2,578 at June 30, 2015 and December 31, 2014, respectively. At June 30, 2015 and December 31, 2014, the valuation allowance was $15 and $15, respectively.

X

- References
No definition available.
+ Details

Name: wefp_LoanServicingAbstract

Namespace Prefix: wefp_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for loan servicing.
+ References
No definition available.
+ Details

Name: wefp_LoanServicingTextBlock

Namespace Prefix: wefp_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 55 R16.htm IDEA: XBRL DOCUMENT v3.2.0.727

Earnings Per Share
6 Months Ended

Jun. 30, 2015

Earnings Per Share [Abstract]

Earnings Per Share
Note 8. Earnings Per Share

A reconciliation of the income and common stock share amounts used in the calculation of basic and diluted earnings per share follows:

Three Months Ended June 30, 2015

Per Share

Income Shares Amount

Basic earnings per share:

Net income $ 550 737,100 $ 0.75

Effect of dilutive securities:

Stock options 349

Diluted earnings per share:

Net income plus assumed conversions $ 550 737,449 $ 0.75

Six Months Ended June 30, 2015

Per Share

Income Shares Amount

Basic earnings per share:

Net income $ 1,043 739,453 $ 1.41

Effect of dilutive securities:

Stock options 349

Diluted earnings per share:

Net income plus assumed conversions $ 1,043 739,802 $ 1.41

Three Months Ended June 30, 2014

Per Share

Income Shares Amount

Basic earnings per share:

Net income $ 96 760,546 $ 0.13

Effect of dilutive securities:

Stock options 1,070

Diluted earnings per share:

Net income plus assumed conversions $ 96 761,616 $ 0 .13

Three Months Ended June 30, 2015

Per Share

Income Shares Amount

Basic earnings per share:

Net income $ 347 761,808 $ 0.45

Effect of dilutive securities:

Stock options 1,070

Diluted earnings per share:

Net income plus assumed conversions $ 347 762,878 $ 0.45



As of June 30, 2015 and 2014, 7,900 and 15,850 options, respectively, are not included in the dilutive earnings per share computation because their inclusion would be antidilutive.

X

- References
No definition available.
+ Details

Name: us-gaap_EarningsPerShareAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 3

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (a)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 45

-Paragraph 2

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 55

-Paragraph 52

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.21)

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

+ Details

Name: us-gaap_EarningsPerShareTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 56 R34.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loans Receivable and Loans Held for Sale (Details) - USD ($)
$ in Thousands

Jun. 30, 2015

Mar. 31, 2015

Dec. 31, 2014

Jun. 30, 2014

Mar. 31, 2014

Dec. 31, 2013

Accounts, Notes, Loans and Financing Receivable [Line Items]

Allowance for loan loss $ (2,184) $ (2,158)

Loans receivable, net 177,859 182,050

Loans receivable

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total loans 180,346 184,553

Net deferred loan origination fees (303) (345)

Allowance for loan loss (2,184) $ (2,252) (2,158) $ (1,934) $ (1,825) $ (1,724)

Loans receivable, net 177,859 182,050

Loans receivable | Home equity, home improvement and second mortgages

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total loans 31,589 32,741

Allowance for loan loss (447) (474) (431) (314) (249) (254)

Loans receivable | Vehicle

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total loans 1,979 1,671

Allowance for loan loss (27) (30) (28) (30) (32) (30)

Loans receivable | Consumer

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total loans 6,283 6,279

Allowance for loan loss (78) (113) (112) (126) (214) (135)

Loans receivable | Residential | Real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total loans 55,295 56,674

Allowance for loan loss (528) (552) (545) (484) (439) (433)

Loans receivable | Residential | Construction real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total loans 1,061 940

Allowance for loan loss (12) (4) (13) (18) (4) (11)

Loans receivable | Commercial | Real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total loans 32,576 30,653

Allowance for loan loss (786) $ (785) (722) (712) (649) (624)

Loans receivable | Commercial | Construction real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total loans $ 1,154 4,035

Allowance for loan loss (12) (1) (9) (2)

Loans receivable | Commercial | Operating and term

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total loans $ 6,839 5,718

Allowance for loan loss (117) $ (114) (109) (93) (92) (87)

Loans receivable | Agricultural | Real estate

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total loans 36,745 38,128

Allowance for loan loss (159) (155) (155) (142) (127) (130)

Loans receivable | Agricultural | Operating and term

Accounts, Notes, Loans and Financing Receivable [Line Items]

Total loans 6,825 7,714

Allowance for loan loss $ (30) $ (25) $ (31) $ (14) $ (10) $ (18)

X

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

Name: us-gaap_AccountsNotesAndLoansReceivableLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (g)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(1)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(d))

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 30

-Section 50

-Paragraph 2

-Subparagraph (b)(1)(ii)

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

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

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 6

-Section L

-Subsection 1

+ Details

Name: us-gaap_LoansAndLeasesReceivableAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of deferred interest and fee income, unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of acquired loans. Excludes amounts for loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 20

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=6378556&loc=d3e10152-111534

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 4

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5074-111524

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 840

-SubTopic 30

-Section 50

-Paragraph 4

-Subparagraph (a)(4)

-URI http://asc.fasb.org/extlink&oid=25496975&loc=d3e45377-112738

+ Details

Name: us-gaap_LoansAndLeasesReceivableDeferredIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

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

+ Details

Name: us-gaap_LoansAndLeasesReceivableGrossCarryingAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7)

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

+ Details

Name: us-gaap_LoansAndLeasesReceivableNetReportedAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_LoansReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_AutomobileLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ResidentialPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=wefp_OperatingAndTermLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=wefp_AgriculturalPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

ZIP 57 0001571049-15-006744-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001571049-15-006744-xbrl.zip M4$L#!!0````(`(AZ#D<,+,`E;1T!`&M1'P`1`!P`=V5F<"TR,#$U,#8S,"YX M;6Q55`D``V\_SE5O/\Y5=7@+``$$)0X```0Y`0``[/U[<]O&\BB*_I^J?`<< MG_7;/Z<*D@GP;2TL%@2,1,0@P>$A63M7Y[+=[`!`@ M!3Y`O`;#7I65B"0PT^_IGNGN^?'_^K:PE7OF^9;K_/1,.^\]4YACNC/+N?OI MV1]7[\\FS_ZOG[__[L?_X^Q,^3=SF&<$;*:$/ORNO/OG['^]_O);\KHR/N^? M]\Y'RO^G-WFA]5_H/6VH]"8O>^.7^E#Y_/'_IYR=)4.]-GP8!M[A`^CG6OH; M_^:M:X8+Y@3*1P#EUH)G'ZQ@CC.^FUF!ZRE_QG-J?,X!#O7>LV;&HZIA M'RC:0%4X")KV\!"/$LWVX\VWJ)_U8`?<=_^FN^`H]49](%+TGFTY7]?>PS'/7>\.GNSU7^#/ M-X!I\CC^.K-6+V0?'KV(?EP]^F3HASY_5IM.IR_XKZM'?2OO01A4>_&_/OYV M:<[9PCBS'#\`;-9@L7;`OOF\Y;L#71OO>B-Z(GG!<1TG7.0_/PN\%\'CDKV` MA\[@*>99YNJ]_2^MO\`)%^12=1A1-4@>-=W0";S']6=]9I[?N??R%2]_Z"Y9SS_P@ M_Y7HMQQL',,R_?QW^$_XBK;^BF^9^2_`#WF/!TMOR_/P2\X+H7]V9QBI"MX: M_@WG8?Q##NKP"PJ#G_L._R7GI6_V#OG]7[]EE"H,O*V/3E_`K\_0D*`:OO2Y M@GUAMPI7RY>&9WJNS78K[XNEYRZ9%U@`9\9,\`$0^I^>^=9B::^^FWOL]J=G M:*?.$B-T_LV?/7N16-0WKA.P;X%RR.:J3/C'ZW93\_B!Z_[']]=][3K MBZ5WC9)XU>M=1_]Q^M M/,[=%V8RZ]ZXL=GKQ_3O*Q"0BV^6?\V?3[__R!8WS+O.>1O^/;VS#]S_=YCS-Q_["#/L=T#%@.,OVH3^[7G#KVI9[R>YPX/AE/^*K86_^ M'HW4C#3%PA!-G'PQ@RF_+6W+M&)8E)D%OT<>4&QP7I9AR[.?DU%R^?/CBUPH M"H%7"8M3./-X71.8>>*2!62/W.R`ZL43;I,QD<*8O'$7X/"99$O(EA2Q)?O$ MADQ)LZ:$U)1$K5NKUB_N@KW[.P0VI*:,I%BDQ2:/0Z1LG52V3TO<7(;O`9XK MYBWX7.0I2JB\N(OU<@>[R5LDJR)$X'EQYUEF:`>A1P9%9(,B3.C)+=M^J2%; MTDE;`ACY@1?R\Q7R3F0W)ENX3/+VC\QH< MY76:5J%P=+[?UJIVYS&6]2[C3\[LLVTXGVYAX+B$Y"/S[I@7J]%KK#)AOG]A M_AU:OH51$Q_@,OC56##_/9N!YV-?&O?`/60E8M26Q5*G3\!@R),Z"E4_@C9$L$R72J[A14)RO)!IDLB6"V9)NIG3*:TI(34G4 MNK5J476RZ(M-=ZJ32=FH.IF45[RL6O(6J[`J?QIVR#=2KY@Y=ZR_PTBGWUH^ M%V@V>V/X\_>V^[#2:,/R\"40Y8_\&)EO%[_W&+SJF(_\[=4SF2=`-1R/F:'G M`6^?CK7Z\Q?01<,SYX^_L7MFKP_WP5F&@<]_Z,=#?#3^42Y[("BT6'M)?,N[=0K)!2GF$&'=^F(X=Y%I^F@YUB)DV7Z6ZD'9F.4`YSHD\(J6_-DTD<7?U*8M,_OU\X3(_6LDB(]M`26%D&D0W M#6T<\YV092"M(\FAE*U."&5;2T%3*5ND.Y2!1;I(&5C=-!)TV":VG:"#,#H( MD]#L'*JVF1VVCV"L[XP[]MHPO[)9^EPW]+BPF!R,.*6)4N$PVEP4O(D[*8*78]W`OLI MPAQSM7A'A+"FX8-SZWH+'JP#)X$W=Z[W&)G=V&1&NR-7;+%T(5RU[,QNF9>4_U>U?N/3C)\G>B&-OA#FX MJ\(G*0/54V'.9&H>+M5D"\D6[K"%(Y":"=E"LH52V<(M4DVVD&SA#EOX[N_0 ML*_3NX[:J'PF0RCZ&=^%#V3)13: M$E+P3)90.DM(L3-90@J=R2Z27:3(^12MY/[T`HJ=R3(*GN9"H3.90L%-(07/ M9`IE,X44.Y,II.B9#",91@J>NVHFZRX/I>A9;LLH4CU91[86*8(F>T@A--E# MLH<41I,]I#B:K"-91XJER592%3291W',8U=*7"B:)HM(X3191+*(%$^31:2` MFNPCV4>*J"6QEGEW55,0++=)*W@_.<6:9"OJL!44'I*MH"B,;`4%3F0Y*#XA M.Y)K1ZIHC4X9M*=IB81JM=ZQI`@*Q,@H4F!'1I&,(D6<9!3IZ(],))E("JW) M8%)S)S*2XAG);A7O4VQ-5I&B:[**9!4IN":K2.$UV4BRD11=2V8Q+\+`7;@W MEKVG.Q[%PMVW:"MLL+P_#3L$@?O(##_T&&+VWF-_A\PQ'R-E3)[)/('2%WH> MD#?1ZW2@U9^_@+H8GCE__(W=,WM]K`_.,@Q\_H,6#X'BQ0>/3^$N`]?\RM_Z MPF:,+9"%V!C$=?@OW5#X`PB7.)<56,R/57=UB\='UPONC#OVVC"_LEGZ M'"FR+(I\H%#DWO&R6SI(SP77\\L;X[/KVJ3,IZ?,?(U>YS^IJ^#J^L\\\!^$XNUP"XUR/ MS=X!#;RE9_E\,V3M+5+YDU-YOG)G!>5P.2']/T3_?W<=KST3\!XX:=JNSV9? MF&&_\]&LGXJ6/Z7\R2OZ=G$@919?F=^XMHVG%H;]EBV9@XKV8;&$@=DLTTZ, M%/L$%?LPT2`E%U_)+YEW;^&A):+N&69`:GV2:KTZ&=LB#Z3+#4??.AU[219O MZW3L17I>6L_IV.MDE9F.O;JGKG3L16I,QUY2:S@=>Y'*T[&73)MH14T`'7N1 MHM.QER3*3,=>I-AT["6YDM.Q%ZDU'7L)&'WWXR&H-+-+,76_.G"H-+-[RDIG MU*3(=$9->DYGU">OS'1&W3UUI3-J4F,ZHY9:P^F,FE2>SJAEVO$N:@+HC)H4 MGSC^[ MJ15T>-EPQ$*GA^8'2+O7C_&.=L[3 M\09KLD3C+-N'_NQZP2V$@.YEQ)1XN5DLF(=78V[^'`_T`9UAQ[#?@-&S@@L? MG&)_]?9G`*P;NMB-"TK+24)VD_>I2-0$9IY4I8#L$Z\J@-HEH2DDJ:B2U3IQ MJW6Y9/CJ1V2JZY#](OO5`?N5)[1DR4[=DH4WR(^9XNN%-VBK3"R8MVV8K0;1O:,-L3(F,EAS&A/C"P9;8N1&>NV&:.=,?%LV"<@ M@1'`]P#/%?,6M#MVZC:,)S;O$(L3-V*T/48&C+;(R)1)8,IHCXR,&NV3D463 MR*+11AF9,]HL(ULF@2VCW3(Y#=G%G6>9H1V$'NV7D1FKV(QQ8/9+&&V7D05K MSX+1AAG9LB[:,MHO(ZM&.V9DTF0R:;1A1O:,MLS(F,E@S&C'K$I+1IM031@& MVD412*II8Z(E^:;(NFE)IV"U#3&G:*M!&:<`IG$!)P],Z3:O0GW;46SZ]^8W= M&?8[#CV7V/\PV_;?LQE>2/':<`2_+7;&K)<;&,2;BOEXG!1K*[N"K,1-X7H\ M!-U1W-3=9%7<#:Y7!XZ\5R8?I*YGH)9G6]5RES:]\P-K`;2#%39Y:O7'6\O' MF[-`BAI4E">J4I],%L%=!BDI[N<:]@?>'F*MML'BGIE_Y;[[%C!G%L79'3&E M^6BM)]7OP$]P*=@A`_V/[ZY[VO7%TD-.#]]#)&ROZ^`GJV],#KK][(3)K\V2U5Q]UY*=?[(NNETX MK5T<85IA[Y6;.NPM&1.QC5K8E&&Z2\(BBO4)4`Y"U*;55*!9[["T3(H(A@4(0) M/6U-TSGXR)2,9$DC[X9%#D-2ATRD86A0[:R*14O(M"84\W[(I0 M^R@4^LAL5J@02U0CT'0AECS*1I5;5+E%Y_M-K&IW'F-9[S+^Y,P^VX;SZ18& MOF>>S[MG>'?,B]7H=>A;#O/]"_/OT/(MC)JB_@_!K\:")356E\8]<`]9B9RY M\'W7M`SQ6Z`D[E)*F-2%.H@\56C$%@K'D!2B\TEIP"C2@%^-34GO9NJ\UDVJ MBNLM4^K\Z?C=K9\Y"K:C1\9$)&-"1XYD2SI[WDBFI"OQ?^=#:Q(U2IT_L<6F MO=1Y4C8!#WW)4^R"\@IUY$O>8A56!9O+\(W4*V;.'>OO,-)I;#>#`LUF;PQ_ M_MYV'U8:?6Q[K=]=QZNNPU8_'N*C\9?KH2:!W+YE-[AO'2TKESB7%5C,C[;M MF7=OH5@AI3S###K2A#^?/[$J;N52)8I8NLW74XY7#-?1G;[ZU8%SH`!F6EEO MD42R4[OLU!?#N8M,TT?+L1;A(M9_LE]BVZ\5WU(%6&-@%2I(-I)L)-G(-1MI M?",;V6D;F64@V4BRD60C)=]%HU+Q$]A`$^:H5:AZ";(E@E5VTFY\EXR)2(6= MM!E/!H6R2LFB4&(IF10J%2>[(F#>`(4^,IL5*A47U0BT7RK>565;7286;0A# MC+5T'=P87P7KG;H_;BCG8J07,QFO,`65CO#`K5]8RRMP.C(!=\' M"LQ.'$EXCA>>+RPP+(?-WAF>@U784DE-/G(D+B5LC6F&B]"&1V:?@CGS\&>/ MS9$_]^R#8[J+CM05'6IW#L67A.IXH;KR>$+`HWQ^3@YF)"CU=TXZ\?-V.M`F MS2IH@C^R?_XQP$>*Z_8Z?(/Y'LO,9>EP;$FFJ,]=%VTV];F32M&HS]U3H:0^ M=QW6@`O_^M-MOJQWH=.=Y0#E."?RB)3^VC21Q#V[H\9UIW,*V'K`V&I^$=D& MZD-'ID%TT]!&,O,)60;2.I(N;\Q M/KNN+9MP1*=^:[@1^W/8_\!91KV97@SL^XMI+QL8I&\-W60,HW*A>_$E> MY1,*86,&ZO5Y2D)WYZ`SV%.P#Y=63@:#4>IDM!'7B/!TS(50R%VU`=LA* MU%N2_YD3_;/A!V_CE+:\I_J]*WJI M,&>RVPZ7:K*%9`MWV,(12,V$;"'90JELX1:I)EM(MG"'+7SW=VC85^Z_/0:P M>5=SPYGVR#*2993),AXDXV0G.V\G]QVU4/A,AE'T,S^*GLD2"FT)*7@F2RB= M):38F2PAA`NW!O+WM,=CV+A M[ENT%;8Y/!?$3JV@B)$LA44B9&MH+B)+`?%)V1'NMX"OV65@!*'/7__==9;1#S!5 MSIRD-=5IS5YNI*`&]8WI^&'8+`?62&'WH,,7OOL;]#YIB/D3(FSV2>0.D+/0_(F^AU.M#J MSU]`70S/G#_^QNZ9O3[6!V<9!C[_08N'0/'B@\>G<)>!:W[E;WUA,\86R$)L M#.(Z_)=N*/P!!,[([`&4KD25#F)6#EQ/N58%.%L9'U>L[6`_*6M+ROK1^,OU M<&4"?KUE-P$L8U'_VTNJN[K%XZ/K!7?&'7MMF%_9+'V.%%D613Y0 M*'+O>-DM':3G@NOYY8WQV75M4N;34V:^1J_SG]15<'7]XY([71A]?G9M^-XT M[,OP9F;=6R@%I,:GI\;)"X>)!FFXZ!KN_]N]9YZ#<)Q=+H%QKL=F[X`&WM*S M?+X9LO86J?S)J3Q?N;."W5-7.O8B-:9C+ZDUG(Z]2.7IV$NF3;2B)H".O4C1Z=A+$F6F M8R]2;#KVDES)Z=B+U)J.O02,OOOQ$%2:V:68NE\=.%2:V3UEI3-J4F0ZHR8] MIS/JDU=F.J/NGKK2&36I,9U12ZWA=$9-*D]GU#+M>!UZ!BIK6TI.K?IB.C3H8LX:D"G M'$*H!!U1M!Q#T)E`K\Y+2+-OPU^N-V.S#\X]\P.DW>O'>$<[Y^EX@S59HG&6 M[4-_=KW@%D)`]S)B2KS<+!;,PZLQ-W^.!_J`SK!CV&_`Z%G!A0].L;]Z^S,` MU@U=[,8%I>4D(;O)^U0D:@(S3ZI20/:)5Q5`[9+0%))45,EJG;C5NEPR?/4C M,M5UR'Z1_>J`_T8;8F3,Y#!FM"=&EHRVQ#;L$Y#`".![@.>* M>0O:'3MU&\83FW>(Q8D;,=H>(P-&6V1DRB0P9;1'1D:-]LG(HDEDT6BCC,P9 M;9:1+9/`EM%NF9R&[.+.L\S0#D*/]LO(C%5LQC@P^R6,MLO(@K5GP6C#C&Q9 M%VT9[9>15:,=,S)I,IDTVC`C>T9;9F3,9#!FM&-6I26C3:@F#`/MH@@DU;0Q MT9)\4V3=M*13L-J&F%.TU:",4P#3N("3!R[>7L)%&+@+]\:R,RUZ2!E$B.97 MV.9PZ*1TI[IRS'#!O$R#LNJ54G3-J:&0<9VF5>A/.^HMG][\QNX,^QV'GDOL M?YAM^^_9#"^D>&TX@M\6.V/6RPT,XDW%?#Q.BK6574%6XJ9P/1Z"[BANZFZR M*NX&UZL#1]XKDP]2US-0R[.M:KE+F][Y@;4`VL$*FSRU^N.MY>/-62!%#2K* M$U6I3R:+X"Z#E!3W3$.V5)>@I^$&.J6)2W\#:YQ;H(AYM0 MO/&9-JI>\=Z$?N`NKGL::1YI'FE>]$9@>,%;\+PRNM?3,B-F?E])UVSCA:RR MIK]6LDKJUQ?A78ZNYGS?C`(<:=$F9YI>ERL!!NUBZ2$Q!NONI';]T=CX7EPB M#W(%^9';-J6FBCZ.GM:QV#"W"6R M5VYJ]YL%,J!D&\@VD&T0RS:0W]#J=65D&L@T5-LZAKP&L@QD&<@RD,\@8TY> ME]/=Y%Y32'+(YK3JC?SB+MB[OT.@*B7GB^E$Y'&(K"[I#NF.N+I#ZXX('9E) M%T701:%:QH@4$-,"2T:"C`09"?(DVMM/W]\]C.R#"/9!F!WU\CWGR'\@TT"F M@4P#>0UMFH:ZKTXGVR"2;9#D.G1R'<@^D'T@^T#^0^?M`Z7_DX'H<@4`>1!D M(R&F1#J@%.@G4KR(\A*D)4@*T&^1#DK04WV1=7I5IOL MTPI+ND.ZT_UUI[HMJ9`NJ*A\WR>D"RH$77-(;TAO.J0W-:\WOQJ;^A&M-V^9 MB=_W.]"TLG^FZ?4:EX.))*Y#2XWI3L.I/\D"XW)0G?LPA<6&);# M9N\,SP$ORI=*"/*1(TM`W"?=QW7`-,-%:,,CLT_!G'GXL\?F2.Y[]L$QW45' M4BD/71,.Q9D""W92"M(\FA M-A.=$,JVEH)6VDR0[E";"=)%,4L\R#7KDI&@-A,G8!^$"=M$*?\BTT!M)L@V M"%M%3J[#*=@'.@XB`T$G0C);"&HS<3IF0J@]"(HS.F0EJ,V$J#K=:IL)D72' MDCTIV9/.E3>2I)_H39PD3:TZ6DB,;ZAV8KBE=F)(/&^:Y\.FBB%*ZSFUY"#] M)UEH2A:Z8Q>H0<:*_U1E7\201-"%.C\+I MSPV/`8GC[Q?<)+.?8S+Q'Q,,DM^2SSA&SHA_7+Y],ISENP-=&[^$WXJ/=@VT MO+Y$4%;CSJQ[$+V?,P__CF=C1N!Z1T[]Y'W\\BUSW(7EY`U[*('6AGBQ#OUN MS.,$CB>TY,H0_UB0F,LP0\-U3/"G@J.!](8>*,TV"*-?]PV*0O_.YLJ_I@\_ MSICU\AW7RB_LSO(##Q3L=V/!E%B3OK#;U+:./KXK9%F?_?R?=[_]=JF\__#[ MQ>]O/ES\IKSY].7SCR^V38J0IK^]`6`]P_[@S-BW_YL]5@11UKQNG2L!Y,HS M9I9S=_FXN''MB@!`OD53KXV>3/DF]#P`YKWEFX;]OYGAO7-F;\%N5S3[6;3N M1@!LFVN=#^\M&X)'^/K.]:KBPN7"L&%4Y0M;NAYF>"FX&AG.8Y8I:Q-OR$:Z M&G&;Y7\*`UPGW^M;D20"[@EQG^^MXV\KE4'(!;8`>+YEX;?A/Y5,;?PS=^A>BO([XQ3SX8 M$76J!.1_ZGE@9.9!0%:'RX8_OW!F^!_T\NX-FSN!P1O#\QY!4O\T[#!?0"(M MRHVSML1?&2U"ER6C0F=]$-Q!?]P'@_SCBT*P`3)5HI,7$VRC]&YTII/1L&UT MTDRT_9TI]Z"C]T;CH]"I$IF#>RCN0V:D'\>;%!GF81AF@DGS/]V^A:7+MX(V MU&:@3;1U5`Z`K%),S@#BLW5,WAN6QU]\_;CZ\Q>(60W/G#_^QNZ9SA,_,O77O6B+[J/?Z_%.I-*(Z&4$`]G-:(;V7Z MU:\-0@'U1B^([\6]8=FXY_?>]2YA58PW&2R6[ZU6K2W]@39>=SNV`]0HV-HFW2=*K-4M2/$-[>&7?LM6%^9;/TN0/8^+.N#P?#3A/B M\L;X[+KV0=AJD[[>:63_N.0;[)C;_]FUX7N(P"[#&]R'Q'WX@X@P'4TGW2:" M_V_WGGD.!J%GETM`V_78[!W,ZRT]RV?^YEL'B4:O0DU;Q>H66GVB M-\>\`F`W;LRUJ=[O-"$*&?/1I-=I9"LQYEI/ZS81:C'F6G,KG(C>>`FC&#OM MV",3BP%?&\Y7?M;04!`[GN:%$$^@*0VQB"NPUB`!*EM\]=YHT@S$`NK9X$C\ M-\IL?V'V+%;*BP56\39S,#+NK3M[^Z"J#`,1E4]OD2#5><+#44L8"*B'0,V:.1S4 MQNL[)[L@J@+R"H^<-[8/]D$>U6/$6\Z7S+NW^()CW@C;7U[?H,`$?`5:'G/!H<`E>#I-*'$,FM MR^DQ\%2WT3G4^IMG+4_@B9/#&J(0A'`;*U4R?V&81/3H)GBB.=Q4\6-1K$X0 M]!Y?L*J`24!_31LBV0>]?G\OBA>S>XA0V6?C$5T*__7C:]?SW`?F^6!NKXQO M_&CS@P.`X&/-Z`0/V;(Z6@C&FK`34;NF@A*K.CT=Z9IXV(FH\:-*B95$=_`J M+^J."@#AZ=]=QXP^-'6^E1=T[@"K2BP$5'F]US)1*E/MC>6W82Q$5.%Q6:)< MF*87LMEOEG%CV5%ZCA/U=,I\U8C>#B<;R3N'0%8I*I7)Z7`\+(=*T[37]:&^ M>0A>"K(*O>Z!IHT.@0P+I"W>DQVIB_!8SAUSS/IH^,VW7CJ6_=.S`+C[[$4% MP)0@VPY@KMABZ8)->HR;L\0%3-&9Q0?'M$,L(L>+1RS7N0@"S[H)`W[6Y*+1 M`!`]U[;AD<2V-+43L!&+5(_'^DY=LW2J3D7ZDV;I]-ECMPQ6DAE/<.*KV&$] M$FI2MN/AJ4??,JT:&B+.9F[>^M;)#G@J`+O"E,*CP-[2PSKS=I-;O&NAU#[` MJD.CPAWAS>6V&!J;[80SG4+?LEOLY=7,6<=P.%S?(MT/6'5H5'?0,1J,-T\Z MBJ!Q0)_6WUP?SZP^W4)PWPAKIOU-W[@(B#5A5QG'-FK(AX:XDFX5%@F!749N2,WWCL$\4_`Z^W6Q?&=RH*O36.MLVUWQ%GTS& MZYL@3P$Y'LSJ'+5I;]`O`";_=N[:,^;%95W-4'/0FZQ+Q%-`C@>S.FH.)ALU MR!6"69UMU/O3#5>D6C`K,G)Z?[RQ!+<$9N';Q0K%1DT@E2,BW4>J.*=VWP.U M[RAJ6IL%JI!OI5#4M'X'N+CE#I\]W6(FT^9Q*\Z^HW`;]K0Z5YW*M._@FU6* M^;YB3K1.Z.,QF`WZPP[PK,"%!7N\M$'SQJ,7E6F8NVF6PD)B.K\T@G M1=!=SUQL:S__:678/KBJPJ'.:K(B."0)6:^9X<&JFA3G?.#MIIK)RAL/-DH9 M=\-4#?35I;=HO7Y^*OQ^\+>U@;BP;?>AN4HG;;B^XNP%JPT<:FAMC,&X<$]L!"MYNO'-[;A^Y]NNK;EQC>U;39LW?S] M$*N[V7.;6-<>989V$'I'\FY(RW<)W@%. M?N"%_(;8%A3O-!=P07A7TG'6#FO(1\RK;=4K:SO);RG#P8LP76V"2]_SW@$C3=6;6UUJ6YG4IL,Q,=!7!5M=5^I-6TGUI7<5]JH4#@5 MSI$M$FQ?:9!S80(1O$/[2AHQL+O[2FWM"4K!NZ;WE79T_B!FM+U1U($X3%SF M";%1=-@=/L3!JC:*NN`W2+-1-&XI4"_2`D10Y9IGRQTH_N].AG69@G> MUTC".[W!/A5M/>N4P@C`OY92R.30OW;/1]K:HY)#]]KEW4`TN]DIO6LW9YI\ MQ,ZRKJ5T6]*Z*O8K!>/=2:E=V0-H.N!I.4PH[;&T=``MA_H)P4'1#&BG=+!X M"D%?-!>_4QIS!+U%LU!Y\BU-RH8NG#G)$V]IR*UMMGAJD-R'M\D5UIJTFR+3 MWA[KJ;.N9)Z%WIZ-:Y-S^_K(GBA9VCN6'A+!.WW*-FGOI$8"_K5[4M-B6"$! M[]K=[F\O`B?6E=XR;N^L1@+F";'AV-ZFOP0<[-0&V.'TEF='IM]ZSO+^JV'% M%>]6&\,,6]^:/UG6E6T,?98RG0XOV*+I>L9 MWF/DVG\VO$\>OT9N]J=AA^PS\R[GAE?/]5378!JN^?!9E/1G/_?.M0P^!X)8 M,59'-T=N#"O^N__!]T,VJYX_/A]]IV-R)#S'43:!)R7IA]_?/_MY.ASU]*U4 MS8*T%_)/80#.NC,#):V/G$>`GX&K*APJ9<%D.M4GQ^'PV6.WS/-8='7A[RYH M`9?^VLW-#JD^!J9*C,7!,$4DA65Y[GK6/W4J_P:GT8W*KC2[P:H&@4I%M5H$ M&C$8!:6B$0.P`Z;,7;(B^A('@%@I,"5@K MI:TV&&J#\>&P)M<<8QC+V`?'=!=L/R.`ST+1=Y[\;A@=WBH\G>T"4S M0R^Y>WW+5>!-*$8L4T=`5R52%6O*6!,!J6I5)[GQ6"A.E46JK_?+()6C@6^M M>SRMF45JN#H_:$"5=&V[7=@"504X5*LY`_!"FL>AXC6&WYC>+A]*KS'#[?Y* M`1S>?5LRQV=-KB<;=51;(#D6V(K7":U68"NV_[U\S:R%LN5U<%@2V/9EM2AP MCS[.4!%YG2^('?6=!(1#KIYX*Y"R[5`'"U2M#?N.ZU=@J7!7BH%Q`)OH>(7UPR[][";,GW MK!'_1^]E]M"?`%`0M(KW\^(.B96`5K5%'M9%M?*^>&\/:(E`XF?P7O!XV?+1 MKC;C;Z_W;7@*Q!$@5BMW^L:E)96`6/$>QFA:-Q5+V^O!(8SF4AK_%`DJ>S,W MO+MF8C\M8V!R@3@"Q(IE41M7#V+%LI@]!JN'BN5WU::'@LACN=]=QUIS0YM8 MB/6,,.9#<0R0%2_)PWX=0-9QAE8S)4LOTX/1(4`FUK,-B9R,UGO*5@!@M=(( M0=>@:@@K/VN8U$O#TA!.-S:YMNL*+-T8C!M8BPH&]#5SV&U#![/:)),_L@6. MH^"L>+7NC\;UP%FQ6&J#81/TK.`T[#!Z)L+[R33#I>&8CTV=@ZWOIV:G+P16 MQ:MT3ZL&K(JE;EP+MZA4O24T$H4K56TA'8_*Q>R>>8&%7S>7$K.1 MG?T4AB,@K-AAW;@EJ1(0JQ7CT:!N(E:UWW`@B`L7?OR'"^^GVX_PX#5AT^%8OSQG7H+2!4=;@V:!NABG5EH^JF$$+I MUD3:SNO3@[.E%*YB'VV8"A.(!5GY\.J@:P8ED>;.Z"54S!T@[3<',' M+`?`E5.^L4/6G%G$1Z)7QC?D?+8C"^9NIG=8,XD$ MFUL'C6$G$E&KU+,VXB2)6JTIF4PV]^M.DJ@51S8\`T84JL)PL<&-3R6: MV.[:S.7.!>186*L^&-/J!+;B3-,GQ4(U4K;\?MUFW?9>8']G02KF#0CJ=,.1 MRDY?#*Z*0_@-TC4(V#7O5X7&)#(Q>+3I.FA;XJ[-@6%!!/S.\,"AN_,/ZCQ; M'3;5JM-P(].\,C)7L-O7;PNR&@3@<'2249-.::\-WS)K,`2[>KGU4SASP3D. MWG(&8@>\@V$M\);3M!WPCNN!MYP";H57.Q]H)>!]:]EA4,NV])$2'`-T+,RM M2'%)F%N1Y$KIW)`TY\#,]Q)Q!?#8''PVZSX.4OYP/&;8V%/Q%]?&OJ:9$J*T MR9#'CS[?AMA?"":QW!D8_D^WX`(VD2,Z?;HK6@,FK5&K:H]S(#>YJO4++%BMH+$GF+TPS7`1VMB@>QM(AVUP"$&.IHQTZV@T MP]6RY$@:"OIO#'_>Q$ZVOGY"MC9_O8#5L&=4&S:EC]\W:L\:!*P.,A^*#6]# M'K5WSSI>_%Z#9"^$S;*%,(V4V:T!7QQ&`3#<9\QF,POG,NS/AC7[X+PQEE9@ MV`=MNPI/G=)'3-U'L#[VRT^>JZ+$V,W_GP@0(/7S##Z)C^2:6 M_,&ZBW((6*V@49Z10B)>^IQOV`TL:G`\SC;;6W85^<*RJXWDX/I']L\_!O"; M1;]^83/&%GBGZ9OT5J##+D4O)PC\N6AV"/B\-X9MK]OT'3?YE##'!]R[UB1D M>YBUBR?=PN10CZA;6.TUH=U"YY@MF&YAN-OL=PN7HRQYHR@665N;>E>_57GI#Q82D-: M89)7?[0/TMRX);YZ-@Y0/ND=[?%O]M M!WNSYWIR*V2%]W.@L71#T,7?W8#YR=V3[RW'<'A/`F8RZQZU\?5C^O?5XY)Q MW>7/I]]':GJ=\S;\Y7HSEJGC>?WXQC9\_]-MSM/QHI34H^,LVX?^['K!K6M; M[B6[PX'CEWV4XL""A7KC]T/B]8VK[';S@3A6!&">9F%OND@YDSK->BE-7LC:*N@BZN*;>[X M#!LTGL2Q"IS+B792#".#(\2.#ZZ7>98T[L@M+`(N;/16A9WEWDF MPLX&A17-;&R(O+C(L[$Q;%",F[MM+/+BMCNEDQKV_DGR[*2I4NM[>(+ ML2=#!J>-_9MI:P>U7:9S^_LW#48T\K#M5/9OY.%8VUDLK:4>G3+32GN^Q+1N M[O80YQK:[A%X'T*B[9[1L>+\P3&Q+PQ[RZ+_?HC,Z"_,GL&[EX9=1P>C)QD" MVG#XY+K@/6!5CD3IIL/C\=.;>0L@`3PS&9OQ:ZCQMT^WK7!B,GWB[^\!JW(D MRM\4/M">Z$,!)"Z9=V^AHEZ`M@07P7O#\J*&N7$GOB;J^3:N=MT/4^485-R% M^S`,>$\P-%-X0]DG!UF#IM?UF&F[/INE<=7OK(E[S,_BJ\$+P54'(A5QHS`> M"?O>LB4\8_&6_?"WS?`/6%FZ%)^^19=^!FX`_O&?.;T9'^NK$M`EV-6)7ET88!/AHK$Q9_SL_U M`2P_"E;=^@&-PK_T&4V[#VW^HCR+U->P%]&J"@7H08_0;, M`ZE/H]!F5I*]4>`N^&K%K+3[U==K0XTWG$XWU="];F0!&?3VH)0'6"VHE.;. MH!Y,DGV@S\8CWRX"ER[B\F^6<6/9_-KE)CBE[]V9.!C)9%&?0 M1FQ9S7?89FSV^O$/'Y4VE0TSL.[Y6XB5Y83P7?QC,QL'DXU.K.4`;A3U\C?M M;MQ971YW[J;`,/E[>:\-VW#,)MR],ZW?RSA\^R"J$O32@90>.]\50/Z&@;=^ M:YG@&_H8A2U=WVIF&V@TUO8@D0M;/>B4OFQW&J_=1V"SW9Z^9S-0'?M]Z,S\ M2]=NXJ;&J.WT3BN_"57E.%00G)9"`E8N'IU"`!4_]@N_/AM5ROEZ,;M'M6ID MY5G?FSL,KEHPJ2*0*H?)DP.'G!?Y30P-\.7IX>"!L-6&4>D<\4HPBKEZY<;W M8%S<&Y:-3F!\)G3)S-!KRD_,39XDJI7&=E,F8$QPPH/'S^`1!C`@YADO M\9$FC.5N<=T*6FT(51$&ET;HJ8%=[=8VMM_4[SVI)-\#5.4HE.?%;E.Q&X4M MT6QT0"'"UH,^TB>'Q-\'0MPH[J5=DI%6%^Y/PX$K:\'BD*R1_$'QP^]QC:&1GN0 M*P9RP^B7YNZT-NR35_!8.+Z?L`D;NF%"MNPAG@UY_=,@Z>2#(C2)? M?BD:#O6:D,=AP)+A?]"%OP=O$D^U^,6ZFU:Q"3X/A^MVK`A\->)5EH7#P52O M!*_?,4@&A[]J`?SY?]C!JZ7B!X\V^^D9CG%FV-:=\U+Y*P2_\_;QE?)@S=P' M_Z6BO5+X[P$L??ZMZRU>*H[KL/A;R\'"J)?*6>]\:#FOE(7AW5DP3&\9P/^_ M1?^-?KIU\4$-O_GO`%PI7W'8@P(QC>'\MZKP;U3%!Y+*6F!E?(L^Q'-B&_Y`;YX8SA? M`1S$[]["HY-@[KGAW3P9,=HE5W![/!H.__I!50QG%C^2^O(7=\PQ'U7XQCR' M)V#":..(/VR".V+8\,%:/6_PY\^5JQ1*#@=`P0,_4`MW`6[X"J9D_DA()KHV M?@7,LARFV*X9$\-R%-\-@[EB`LL1](^6XS#?#8QS+D<@/$B^S`+[Q,QFC?!K M`RCUZ?:SQWP8SXC3KB]!;_G1IQ/$V2%`P\^N;9FP#E\!+U_;E3F!E9MKF;1@ MW4+KYTJ>B;X,%X#N(XI[AG%*RCDE81T9[EH--Q%Q#Q&YM4$Y32WY)68Y\X.` MK`UZF4=NM*,&"#6WI"C6H6.$,T!R!E81L+(6RNUJ7#\9UU?FQCU3;AASP&*S MI>'!\\O0`W,-DP8NM[I>:`,MT8Y[["ZTTX4'?\P<+^$3[[Z9<\.YXS9]8?E8 M9'JN8+*(`;;9G'5A` M\C%8P8W/F5B?RQ>8!PO6`2-5&N0LR MS]%))&!MAEPB&C%#C4#!ISB44<04(YO_UA/P_+D;VH`%2`TS.%EAB+]"A[=@ MB'B"@!T`D),,B6F8#$0Q*P\9WV;-'S@<89!$/LHC,SR%.3CN4Z+B&@Z"NWO. M]R"PRN69=@Z^#W_(75H.8@L$!=,#C@[."#Z1;2O&#"U>!,%SL$$@)1E_+!)] MH!RHE(>286"N*027/X`E`__,QX4,`3>46\/R4/)71B'1Q_V8IZ*<4/1<^<+\ MT(ZI@IY88C*6/%#EP@7,6$%AT6ARX6JR;_OS`B&B6O\+!`6)=8U@5#;UM)FV::(D^@@*Z#(/>XUS?DOSWQ!55T<="K`>-G/ZK@1U84`/,'SKQ_6K2N4/SEMV$_!&@1A6U7GC%;5;6]745J9%P;,*Z#\VR`OXHK00F: MQ2!IO=Y_O5)NL$F8=P;8V<;2!SHD?Q4CY3:J548EQ<1=_&B@GY[UHL]+8S:+ M/V?(XR6TN4>#8QIVL@C=N$'@+EYEG\7(_<$SEC\]B_Z[X@9"D8P3063]`]29 M+(-#.89OK3X$L[5)XX%C^,\BP(#6.'JK$,7BD`!T8QM@-0$LA4?JL33%Y,1U M@GG(&A/K(0C!G&@;6*0N:%U2!`2-:B:<=LN-A.=(%)SX0_'8S`^ ML8'8(/"DM%B)OU@)%G16%=E7('%O7'_S4*63A!0/HM99BRV8B\07PE)2/(A: MYVUTTX(,I!0/HM:9BZWK4P1X$_ONTG6+KW`#1+WSW-"9G25G.*;)V.WM*^4@ M-R+'^;79;?"TN$C#"J*$&/C(2R7^,C[>F/2&RV_1Z)GKFA2,`#&)Y@PA9;-, M;CBO/$CRO?.)GQSFC)*1-^BVWY./D'DRSK\.?-W#@^7T_8&>#*#K:F^@E0/B M(&3$)<%PW"#ZPXK0'Y9%7TL&>*Z-A^5`^*&3>.N:.M7[Y8#8@?5Z>9L0Z>?#4APM^GXNX?D@RLP-;VRVC:V[0O""@V88VM?5\:B<*3YQ M"NKC*9'O>/(]U[5B.X([\-^U-289V4!O)WJAN.!(P5NSQB]XG47ZF4I:14U*4F*9J4O1UNM2!MTE=.=2K"CW3NY)"0HF0[4XE*">*-RB6GGC;QJ$3E>-IIO?HECTI4FDQU'ZB] M8OX%U5AL4+!DO>")D^^YKE.)RE%ZJQ7<5*82E9I+5+86J]"-C7MNH<&KD9[> M]+3],M\D5Q#`\Z/;_?BEGZN;K/S,S;MK%P/Y!OP17>BZ=K&5BC?3YMPW];RUZ\)OES@ M#8.O0]]R\):KB]G"V8H6`Z=5E;N# MXM?L;/PN5<==49+?Y.@QX`)3$3)_#;;D&M7-FVQ7?,!;O.Y<+Z8G_G3KVL`0 MQ'/UD!_=:+[]RM03UK4]I73<*OWT+#I=?U:"7E19EUV-*<^CNCR/$5WV1/FA M@LMHI940*RPH951:;I]"YMDA5FAO(+X_4L^PI?QHC4[7]%EWXJ-IPU6>S=L0 M;V=?W:>+X0'>LKM#Z$1+-^NO!ICTBW6-.2Z#2K2\JPS^1[;!%B[I:E,R`U>Y MM>XC"14L?Z*OCGORM,4$;/J59E[553D+IGBYWR0PF)^13[;+/9W5I* MWDOE,DU2PT0YQ5!,P_-X?MTJW_!?$"2,-9WG[_U+[ZG3D:88P7J*(?\Q:>RL M]#7^[4#%U,`E,P/KGMF/JO+`/*8L8S`"-X*$81Z5YS[`5[=@[*,\04QG=(,Y MC+4,O:7K8Q*=#Z.!\^)%Z7U+YBTLH.(,DQMMXX'2XH[2D1,FCIWDY\X-YR[* MO(Q$SG072X_-F>/CR8KEP.3.2PO=RH1B$HFYU9&-BKN<`T^7L^VV5,#E`:2FW?I)F4[\V;,,QF:K538.;HX*#CJ:QE,L*9*2 MH-:MP*@BZA5IX=5UHO7K+P:1EWC/!R7[QNT0N9;2[59Q(G-FNX-$R3+&"I8K M4[[=&O6*96D3]4CV.B9[E.=980O*$R:3G:2=L,72]0S/LA\5:[$T>+YD)N63 MTRX]IR`J%NDC2*EGU#A0N!/3"OIT4>=`4814W)O?*VA0B9V0+2=TPTR.'-T& M3ZSI)FNJ;)38':R)U+1R"4*B!LUC?#]ZFMG]S?*#9!M38/H04P2D#YE0N2<] M05)W;K42+$ZMKH*I-/":OKV@RMR<.4&AMU=2G9N41+76Z_J+@C!:2$U`V@[3P@VD!Z0'H@\ M*>G!B3"@(WK0.2].,"^XLCR#\L!W_`(PD2%JG;>X&2\#(<6#J'76DMK*RUM2 M6VE92VHK+V^[K;9-%Q&OI6.?]\Z1_7/,/6="?J!/]N*MDCZ.`>.U/@!CE(.@\_FIO?(JW M"6=(,"YTN9ZXMPD?T"ECU\K')_ET`P,:@>4Z/C;^]P,C8%$__A3+)7@X'$K% M#V]FUKWEX^-%G8Z#94"\VGQ=U:?%FB91;X.U7B3%&JT1\=;NS]3*572?-O5T M$KWCB==7]6(7T1+]UGLQU'^[=+UQ-76'6&^LI@X'Y?R`$R?@H%CD0=3;N$E[ M7/)FRQ,GH#8J=[7EJ9-OK.H3LG\E**AKY7J\47\A:OE"+5^Z=.Y5V0%B!2>( MR66=F;8OVGK;EZHNU1#G@%%<014WT91ZBQ!K1*4257?+/>D)DII6+I',(W48 M(:9TFRDG:$*)U+1:[;%1HL2I56T(4-L7"2!J702H[8L0$+4N!]3V1?9U^U!O MGG`B#.B('G3.BQ/,"ZXLUX`*T06&J'7>=KL0 M762(6FOZ,BY60R]=RY.1J@_JZWK2"1),ZQ.!1KN^\*=53L;85(!)EK1IF]"8U/(DQ$:$^)+2TTM&NZC M=?+=LS1U,*4N,L?3CSH8E9$];5*N9<9ITZ]@Z$S$6V\;."K8:I+HUW#OMCHC M-^I]LM$\2QM3\Y@RS6/*J<.)4T_3U>F4*%A&_GK4?*P4^<``$@7+4+`1"TC= MLX[MGK7,8\5?H1]8MX]\0_U$*78U9QY3'O!??9WO"?7'`*49>E9@`0Z6HX2K M#%W%=GU?6;J^%6TF&7P_Z=?0@9=[JJ+WM"$?(FGFI/0U_NU`53SF+YD96/?, M?CPGYI`XUT.Q/]9E%;58!#0"&;7_\47HG]T9QO+E!^<>T.?8 M?G#>LIO@PIE%M,29W_T=`HJ7JUGAQS<0Y1J6<^49N'Y>`(\#_ZWEF\#NT&-7 M(#&O;=?\^O/WW_V8S/&;"^+_NPL$QK<8#/()P/:^@)6R[G&:O`&0EBA_7]CM M3\_>1']?CSZ^N^YIU[\:SC6B=M7K74?_7'VZ[O>N`>_U[Y_]3,JZP[S9<>X6 M\D89GBN<44K*%RXZT9>_,'L&0WG*)<@A%Z0TPRO/+A)5MV?$$;URZ?7&722N M#9H_F\N=MQ+&ET3%$GUKN=7[Z5F4AOJL!+VHC6TFODR$L=9TXT8FR5LB\W*6 M"P.3^"*"X=MMHF8#/*%P+E&FV2A'MI\'-05!V>*!PL"B8]Q%0K4/01NLJJK; M=GLZ7UM&5N*!:,/<`@W<@%`83[+:02S14O+[JP&&0U4OF!,E1SYVA@0C=53P M/%CLE&P(;1;,,_>+Y_%L.(Z#V0O=='4X+G2(LG_*-M'IJ:-AH1N=*Q.;:NP< M?^KBSK/,T`Y"3VC1&:GC8B4D8HO.1-7T0K=!"6UQ<`<]\$*3;ZP(*T.:J@T+ MF7RA16B@]OJ5*D0;QB?K575%B'JC0J5<0@O1M-B-?N(9H5_-[$#Q=\/#J;I2=K8C&@KZG#B3Q51>#AC0>5JD<;5BFSLKE+YAG8 MZY_+$L3="[$(/E(G?7G$9ZB.M8Y[16ON=`>D1Y?'J1Z#]%3JW]5C>_#O/]G< M,FWA7)MIL58=0DN#IHZ*M5UHTY9LW5A]`TYQ"(O1#D1DJ[L9J?JDT*X*U2UM MTJ]@QYU:2Y78VM MQU-%#4=Q`47+X:F;RBT3+11\WN\5I_@/HN%PQ";M4QQ$Z,`0>?.V[3X8CLEX M8B(7(COIB'<:J\ES705K4,URDB>L,M-M6"B6+4*W1JWIKDJFWS92*%7%84$! M-G>\)DP;C]7)L)RW=>)E==I$5WO%6A%1:9U`:>54\;!&Q,@@8EW0PI@Q+$@" M+*U[:Q8:-B^G>V"VC?\UTTUFOCEH?#MCW]@"L,7SL*ALYW+)3.O6,B//`_7>\![Q?3YRIK0("_#BJB(^(,^3AM_YJ?[?H>6QJ.#HQL!J)?"`L:XG>%RR M)!.>/P:C8<=9!`A^-L%UM@*@3S"W'.8GQ47*TG.36C],T/;`U9GY<3G6'7/O/&,YQP7(?L1S/DQA0YAG6-H4S`V`&,CU%_CGP6,R!P?) M!(%R@4P116W73%]"`F,1D8\R<&^9\/W-(_\>L_P-AVH0J0:QQI+:1,HBXDUT M;?S*5V`@YOAQ=4FD/(KE*W?=_8EC^/ MBAJQ4LUS;?[VW_!>1D_RX.!;)+SJSV?IZ%'IH0N:$GIQV:3'[BWV$&N\L>0G MIRLP7[N&-\-IWH+Q,`,7M!`P,^"EN]`V/+0DED]:1EI6MS^R)?=Y* M1D%7NSX,XY0=`_%BW70Y0?TP(KVP?3<[2O1T,(=`ZV[NAH'RT7)@=70#(_F2 MCV/"PLC\I&XM03_?A/"$$]B/:KR>K:V`/GNR:Q4I+02> MW"CPPER>W8`N0;0:DCJ2.C9019F3:IQH8QHQK"B\;;F\<^%MB[N))K\)FJO; MP@"_%OX/*\T6K#V1I7W[LU?D9OK;RRWY\HN*D1J&O*7$3M>X?^`!>[8>2`P4&-G MF069MS'PK86%RRI?[G?9IK+!F;'QD!P!QQ\!1G[$EBXQ7'"WXH8FPWH8KL")/)PX)X*O@,2KQ5N!O M5`J^=;HP'C$,,&;@!?DXL'%[&T$&CL:M$7D6%I#5#))^`W?,X9%+U/8`;7BV M\8&?A$6Q$4A$%E-LIIU6\UM>?:'V8,67&O%#!FJUXKV/:$K4.`8SXU M3RL;""%2;*)N7+#31FJ?(A,&0<4J'#$LW*RXQPNF5A:/VSI,Y[3^P4'X#)%A MPS_/`O>,/Z]P^^0GI@3MF0N<"2!(,QD,.NJAD3+Y=DD0>5H66*LE6@BR!\7M M`5F&"ORI;3GP!QJ)&;O%?;KU86(53.S&`V\%M-IAX_X'F\6MC*)M!OO)7AI7 M+][F"+3'!NW%)E_\3)3O9V12KL$=V+!`0'%8BK.#S2&`\7'++\[)/E?>ABQ9 MS"T'`73B?41NFM!%S&Q4\FCI<=/'YGQ"-PFX;ZNZUC@LJ!C9;L^-3LC[Z'A+9`CC,36UR.;L'(N MGNA]NGKR#7@(48)HZ?>M;V>\(UAT+'&N_&<.Z_K:V-Q=6"R!<&RFK@49L:W! M4^EH-%B)@1&H]6#`(&C`A1V,"^UTD-8)LC)OB\-SU>V`][@.9/1NQUH4=19\ MW'#C-_WKG.-&55D:7@`*S/<;5=R1Q+Z(/(A65\IL6\EN1_;IR*%^\HC)XXY%&&^SFVG;%$>*08&B"-`8L(=QO"[P`.@@1>!0,`G3O@O:?RS1>,>N(- M&?0#X;\,7N16>>.D..K^F$15_.6DWR7WY:+(:A9Y:ZN>E*Z7/=+*;OW$NSOG MN$5N+<+%QN;7VKY8QD.;&WBPS&!!R9Z#Q5ZYMSP-_9I,"LDMLT>!#SN$F9)P[)S(W]B%XC3`UU+2R&5];Q@W:1(8W_6=/C*_9'X;],:C6KADR]=R3#O$ M/-"H\+]0%X!(^>ZC,LSB6_`SGA'#P]V]$"F16B4;U.B'1YM+)JIB#B!JO#UN M*#YX[#S/E5N_^+5TD]SG'GMBX=;T.3Y6/%?>&>8\U5-0;MQX\QF\B%8EWB7# M3N?15%$*4MP1/;I+$BT9Z'IL3;)(SMA-$(4Z:`2;MJG#!Q$M.R6<9`G:"/DZFH$_3Q!*+6S]GZ M!\=]\(SE3\^B_ZXDMKV>J*U"5+)'JEX>>FPTG6*`':=7'RIL?=L"D4OT5&Y' M)%J9---O]X2P)E++/2F1NNF%;,]"59X-W)M-(?QL^('HI"'1EWO2$R0U.54D M&$)-VM3RT^^MSJJT5\-I"NM;X]$7G4A2-,YT8E!2S?Y=+NT1)2-QLIV<\L#'Q=?RT!+\2!JG;M\SR-=1,/-"X4[257Q M("(^$Y\;X;/KI>!_=#UBLYQL)G4^#3X7#:H$HV1]=Q!C2DMNDLT.ZM0P9(&[ M906!F(A`1"`B$!&("*UVTE]+Z3SKG6N6D[9KQD=>*O&7<5[E2!NO[E,^!/%= M]W`?X$$\O92[8OG82IGC9O[7,1-NW'JM]0I-.=153=>;1K0XB8F5>Z?4U/YX M2)R4@)-C;4I\E("/FMH;=XB3P]8X66SF*CC9FQ::LJ]JXW[3>!(G:^#D<*CJ MTPJ6R7I(W.Q5/P?[[XE%YM:;PTR,IHZ&Q]N83@2H'63+ M5">>B,:3,Z$P(HX01\3C"-DM\7C2U]7A>"006L)N&!^.ZK9.ZR2/!\CC2.V- M!D*A16P)7FG:6"B()+_*0OTA+?^3W0M2HCW6[F7>)3?UG)H[?KA@WJ%DS;U\ MIT9Y*7))4>W"6P28XH&2KD^.%FZE:;Z0'-0D!_KQV5HD!+((P?$>.LF`+#*@ ME[@A@(1`$B$8ENA(3T(@B1"`:UBB(J@A.6@Z@W@3*_U\6%.(Q*\I56S7#[.`J"47@'8#Q0)Y,*PZ3Z&4.B4(\HZ.JX M1X)`@O!J,B4Q(#%XI:F388G[*DD09!&$H3H8DD4@0<`"!+4_J'`[M2[&U'&. M5(/TU"B0G3F"%!2UKL-/K!$6?F*-L/`3:X2%GU@C+/S2LD;>'?C?76?)O%O7 M6V!Q)>W$"Q!<59BA0!$V"0$)`0D!"4%WA8!VWTD02!!($#HG"&M!TXO``+S3 MS\MDB@=KYC[X,'Y,D\"#$`3CD9>*XSIL(^CI+;^]4A:&=VOQ_\#(P-GV*SWWVP&Z^6@`W@ND'GON5G0%.P?QE"AM^SP)SOAHX MCX[+#/>05B4(%,^O]7K_]4J)A1%0L8VE#T@G?Q6CVS825482Q62V'0_TT[-> M]#F65?R<%X!7<%PSRD:X%T M.CG$O3M;?^(;P"J+/AA\(ACJ)IMB3R$@Z/0%(T*W*3W*4GI"E*Z/TF]#EL(S[1&E:Z,TK\83#%E:RB3U4=K>Z*EL MQZPXL&]"SX-QNDBK]B%HG%L\YDT7G9!UD6KM0T!\([X=!*R;.4CXZ'K$MFZP MC=2MFWPKZ/2W3:GZW%I1$O8/9Z8@$!,1B`A$!"("$:'5FJ&#BX.2]+"1-EY^ M*Y#W]X7Y%HZ.UP![#/[%_,`(]EZ?D%(B0Y?X*`P?A[WC;R0F/HK#Q]&D0WPM-"4>%%%B;Y#35&8.+G?LH[4T7@@*BL[?WWR&W>Q8)Y9T%EO4E2; MTHO"-T;UU-&0+KT7C2UTM1IQA#A"'"&.$$>D6MZ%W2@^'-6+.\\R0SL(/7(W M"\OC6)T,1))'8@L^I$_HXEC1>$*+*7&$.$)VJVL\Z4]4K<0-M+2[N6MWTW0= M/_!",[!QJ[T^F0O1N$*+*G&$.$(<(8X01V1:W278Z,SFP)+C>;QH M3@<]H7`BGI`!)XX01X@CQ!'BB$QK>^>W.G]Q%TQA?X=6\*@J<_Q@+9:>>\\6 M,(EB.``-`U=TIBQ<+[@S[MC>"YQ(2(-7?5W5IYI0:!%;@E?:E#(A1./)\85L MQ)&:.#(4:5N'>((/#88B>3W$DWB1'P]$6N0EV`'-G+R[2^89`=X;BEYHP+P% M">7^V8;J<#05"BOB2O"J1+D^L:0>EM#.CF@<&1U?0T\LJ81%[G,3(Y+M5L@2Q%/5P1ZJ2$6$)>)W&$.$)FJX,L&8//*=+ZWL!. M9[4^YI]L;IDV)6\>$G.JHY%(N^K$%7Q(I(B3.,+U1"B,B"/$$0$Y0JZD<"Q1 M1V.1%*7.[LSU.F7DI?#FD(D?A&I8KN&L[>`;9LJ1,`U+G]\6F7FACT,)`@@+,X4(J07IJ%,C.'$$*BEK7X2?6"`L_L498 M^(DUPL)/K!$6?FE9(^\._.^NLV3>K>LML+J2=N(%"*XJ/)RF")N$@(2`A("$ MH+M"0+OO)`@D""0(G1.$M:#I16``WNGG93+%@S5S'WP8/Z9)X$$(@O'(2\5Q M';81]/26WUXI"\.[LQS\$$1?(`@1A,I_!]:"^8K#'A3/71C.?ZL*_T95?.99 M$)CQC?XS?VF8#&?P%H;]"@@3!,`P_!8HDWZ?1'4]_C]X&1B;/L7G/GM@-U\M M@!O!]`//_/`,[)TNX+ M,U''9HKEW#,_X&W1+0>Q-DS3"Y.D,MXN*/IK:?B@?2%3ICUE9CSZBNMA]W06 M=5,/+-M6^*L8!M\\*J9M^/#,;3(.__O7T&%*OZD\;\A??,I,M;IBG]#7^ M[4!5'A@.Z@/PMHW=GGG5J($@>+YM5[OOUXIL1D&5&QCZ0/2R5_% MZ+:-1)611#&9;<<#_?2L%WV.K31^SMMZ.FA_R7$?/&/YT[/HO_LL_"2["MSD M\.EF9>:/6/QY:FRK$!7)(S9!I)B'K'&1,\Y/ST;E@4?SD2(`=B3]@`:ENS3> MLCTJKHRV,NE*E/26].!T)LUQFIYJ=`5L^(WOEZ\@_`P^1OKI;^O='"`Z$IECG]%]4ELQ#!`AURL)2>MY<&D'F.#?V>O MQ!"&=OTAB4'3QF-K:[NUMM8%]J4/IMR1S0>K'CK#-+W8KF(Y]&4C7K$]R6.P MK]?UVI$NS=L7%F!E-M/Z:(H?DLZ^:R/Y^.1T39T,"WG_.U/-C]&%CA.PG"H< MACQEW5/N,>4>BW$N+E#N<5*HD,D_UM;SCP?=I7/G,J$HDU'N29O*9*3\8^E% MB;16.JVE_&/R#BOT#BG_6'B(6F6R5YK+/IJ,RT%` MF>S"9%Q0)GMG,:%,=A(885(R*(^=)(?RV$EXA#`[7<]CUX>45"B,'>I2(GNA MN(S$AA+9:=VB1/8D@Y*D@/+894[%)MI1&OMA%&\SC3UIGWXL-RF-O7;B41K[ ML6GLU#(^GV*_NXJ%F17,QU;Q)NY8/!B^XC'3O7.L?]A,<7,:R`-IE&#.%-_Z MIBQ@[+FO,`<;SS_M!8\YU.?$#9+?>BAV!5+XQETL#>=1"0/+!I'%^PTBH79` M8`W?9T%T<8%U"VX!W\CU'_V`+?`^`D-9,)1H]Q9D?NEZ/%A>>BY8U@67WZ4; MQ%O!R;=+WWZG+)^*[01WS6==353\#_[&/AC1_`J(8WRSZ!\V2>>@O+6G`;VFNC`(/- M.7#.`\.PQ/W*P.4H*1%*8`&L>Z9R_8\V->^9HRKX,#,#^,E^/%`UY,X8/T M&Q8P$XV6#8\KUFTT!@-&6\PQD;J&QT!@@@@7F&UVKO#\\)0#,Z3NB@IX`T;" M/+;";&[<,\6`27'\!V9\=1C(%6(T!]L97;,18[4V;(8&*D`=S/D`L/;#SRG^ M@+*9(ID9?@D4Q=$7QE?&:Z58=!`!,-K6WZ$UB\09)@?0$7:'CW!C^!87:3/T M$#K[46'?.&'OE%N8$A09-Z$M?#FZ#>3>L$/4[SGX,_#TW_`!?^2U7_@[W\6^ MP8\)^3BX,S>B;6::)1(ARRN0'#^\C3@21$($7ST8'MBH)XH)F("]0M`YG<"$ M\9US^`D)!ARY,_=P`#P;M6`17.G-$G0YUI%XD8P@LL'V1/80 M88L>P`'B]0`A4#"87W*C-7<7[AUSF!OZ\;K!#:=O+2S;B!0QOL$(X%@WHC`C M.@31)4,GJ[$5C1R/W%MQ8N.,BP@$3'>$`X;IZC M.X*YSL\B6@-O$!YTE8T[OO%^Z!U)="42E25367+WZQ*T"=V)1#4)I28]P41Y MV:L;XY!"='*0N,L]*9&:2$VKNZC>D4"EL9\A%):!D.)!U#IKXUU-&6@I'D2M M1.NE7JBZ-ND_;BSB+=Q[8N7=U,)G%JXH=J>-IN2N! M3KNJN%_H6DPB'I6S$^U:IQTL:WJQ/2)J!["/ZNU5LP^&:D\K=\'CB?<#T-3! MN)P^G#@!ISWJ1R%X/PIIB3<8J_UIL3,OZNA!%6!4`49)0-54@-'-E"()*A40 MR#UISJ).56`D[K).2J0F4M/J+JIW)%`N.E6!2$Q6![:^'&`.'RV60GG8]"=7B$.V(=MVB M73,VCVK`&BJ"Z*LCO8DB"&DI6'S'F`BX7@,VH!HPJ@%KR?Q-5$UO0ORH!JQ( M#=CNC`2Z)7`O.=^['C_N"!?,XW>V6K/XSMG,N8>J&-E(?NV7.5ZXROX.K>!1 M!==J;IGQ+:'9L=8.5/!"O>AZ/:3(VCVX\:6F>&6LPO`:4IC"SUPS;<%SEH>7 M>$9W^R4OIL^:'IM9@?)W:/#+8M>N[8ONX$.X0S^YTA#'5N,;;O&NZZ7'[BTW M]`&`^)Y`-E,Y/C?PC?&XX'?^(8PP?'*EX0/>^[HY-;X3S8A7*N(=@YD+?9-; M2OG-ATLP0T_NUN:O;]Y%"K_'UPS"N'1W*-T=6A/%/G`]2V[N5`S;=U?W-4=? M+=Q9=*^QY2B&`F/CZCD#:;W!FS$C90\]E/Y8.5P'KPKE=PSS^Y-O&,-[/@U4 M,"[=KN>Y#\SS\=I@H`?>V(PW%%N.X?`C#YCOEML@BT4W>_KKHYIN:,]64!H` MQ2PV.):37FN/]XTF]B#2_42I@4C,X4.I:&ONP`IQ#05#L01$3&MIV/R7&V8` MV";#BX!=&,?C]L#E5UH'T7,@%I_OZ8VB6!-*!H(,1$T4^QPIC<]OP05-V5R]8KN! M%PLOEW9\_[D!.HS7KF=4,ZM^`4T!7SRY7#Q:D>,+QZ/KV&?1 M#>;H;$3K,+_:%R\X=SU^U3!?QV$HP";TG$A)D]DBGX#TA?2E)HJMV_VB2^@L M^@\N`HE_J@0/S,9K[7$9P+NG+7<6J8L?WOC@CP,)P8>=L5L#EDP<-AV#%A)2 M#%$H%@50:Y?.)\'<;"/DR[F5_>#[U*.ER(\O@_>W7Z].[*&..]1QI],%5W7< MN7Z^UFV'[ER7N65!_IY^+85]?SBPN!4IRCT=%IQ@KPS9I?T"?2_<.4NA!!]! M=.K(S1(P_,8=$YT<4O/@0[PW+30]R&\0260^)WNFHA-$:BY\828&*N2_M6:"D6QE8P(<#W=>YM`X MAQ)-M12H:UI"B5`BE*J8MIT>'9%EFRXS'2K3?FQ?\LM_=F`M7'?"57_&P50K M!T&A_GR$OR#X4W?&F/O%2O5EPU\3H#-E>XZJX9"#2B@12H12EQW4@BYIB_0? MZ/)T590)ETFAAAU"HR(36[1"-P>(YH]M,50'W^[0(N%U=50M[0F;RK#I#PK% MZT+C`IR1R%P-VVD<7HE7=4#PJ(W.]<2(_9)MYL,[^UB+I>?>LZCMC3-34LQ\ MB"OABX7K!7?&79QT)PS3^O)HDTRHR&,5).)*I8W4Q7/'A+\K01XG1B)4='E0 M&=KMA6LQ2U6A2+JO+=,A1RDOKV^8K_1EU M;=V!G&Q7$Q0[':9K'8AV1#NB77=I5_\U-DWXTNN-]`LFQIS8=2U]=51LAXHN M?"`"5DK`P:38]>!$ODWY&Y5;\DZ<@)-"&WAT6POU#Z7^H0F?;I(?NU1!>)R7 M7$__T*0!<8I%7U/3#]B2N+N$[ESG#JE;O5`/4>HAVOZD34D[]1`5CR740[1U M'E`/41*9@L!1#U$1N$#=$@5@`O40%8PAI!4",(%ZB-*6&?40)>Y2"T+Q(6J= MP=1#5&[^D@)+SF#J(5I+=2WU$"64""5"J9YI16TFL.HMVI.SM^CH)'MKGCK^ MU%N4#S#L%:HGE@Y_?5P;^AUP8*FW**%$*!%*E=1.VM:'ISNR@@XDL7C,MK5!#2^I$1L2KC'B%3`L1CR2O*N+5+WC-ML.E M%H('-'!3>^-R?#_Q#F1$P)($'!;;HB'R;8KN&`__"[@91PMY-\C#1C[I64M?* M3I<`5M&U\FKN,:9\A$?FOO(.Y':F_!HZ3.GW5$7OQ;Y$)ZGXD'4.H>QQPQ87JM0=TUAR2D>1*TS^+/GWEN^Y3HR4%,\ MB%KG[SMGUNGUMX0WF#-AT8S##"?*CT;3=74Z`9/2XR^3KCW:6,:N/<-AL60, M2;K6K/!_7NQ"O"<`_-`EK*E73\3S@@D@3R`XA.GBH3W4B]T]6DN/GJ9J)C,9 MBEVH^QY/Y&F0($_1BCR8R%.Y/IX42C^KS'"UTESLXLZSS-`.0D]DXZ4-R7@1 M)O5A(D\=MS:4NU-%OM=ENHX?>*$96*XCKA631U\($\*D(YB([7YE-_JZ8<3D M62I)8<3#I-#^D="8%"L:[[(?MK]AF-AMP@82M7%Z?L0N7]Y>#085-IE4VRGK$/]P31-'MLECQ"M>"0K>WIBV[!='G6>WG4 M7AY,Y)&N:B\%:,`#.]A>_I:2'AZ_5:U_RPB^8XU25M7J\#BDY>EO62CYE_I;4G_+/1`=Q^AL M*I]>:<.%5G&1IV!#'DQ&\A1:4X-+X:P7-;@D3.K$1![C10TN!;9BY((1)O5A M\OP(^1*L:)9:6XILON3I=B./TLN#R?/BW0L$LU[4T[(S/2W[$K7*F!3W^$53 M''GBKZD\@D5-+<5L":?U*@WQR7TA3&1M,DY-+86T8!)Y7_*HO3R8=#^2I&:6 MC9*[6-Z*T+(OCQ;+$Q,^[_RE$]3,CC4S+*$P(T*>;@D<3@,-;/$04^NF:4V+,?W$V^-]USK%:MEH&:6.-*H7'/P M$Q>Z<67]4T^1>M3-4KANENM$I+Z6U-=2^+X%5?2UO)I[C&WO;#GH+I4[U^"* M>J()0`_J`2CWI$1J(K5\DY(5[_+"+YCC5)5[2ITM18>H=?Y29TO9.4R=+25G M,'6VE)N_U-FR3,):=YLQTG34V;+SG2T'_9*M'0_"1%S\GQ<[XY:DLV6QBQ9E MZVPYJ*_#8S?0+W:P3ATN*TL:WYNC/AI062QA4J-\R=/^9MQ2IQ+J<+FC=TRE M)3:D\X3)1E](>5`9G$R?I,)%TGZ)S?E>W M&UWVY5GYY-%F>9HA%\L(%-'';:GQ+C6Z;*@)G%YLP:&^@R5B6&H[R*U[H2-+ M$KC-[G,5-:8]*9'3ZV^N2JTN16O[IJD3O9RM.?&^><^GE74*/:%.E\/*VH.> MHLQI0VIU66E]2Q&(.EZF MGWGKR_0C]L!,/_5[:OJ!NF)2/[63ZJ?6UJ34/Y!(+=^D1&JRXM05LWN.4U6> M+'7%%!VBUOE+73%EYS!UQ92FG5UN.0]2),-C+EY4&%NF(*:\;DD3)Y5%\>3+K?68::8@ILO#1Y/'QY=%X> M3.0)A:DI9F>:8A;;L!5:ZIYKX^(J)-CZWY?'".@]>78LJ"NFF-WE)O*H2_=C M%_+$Q,.$NF(*:;>J=9!)ZPF3];6DN+6[9I&Z8 MS?E1U`WSJ$9Q?6I.>#SUGA?K\DZ]";E)H?ZK)22N8&X]2=P==<,\U6Z8XV*9 MS]1:;W-UFY;K]GR:[3"+Y4.3T&UX!SJUPZ1VF"?1#G.9QY2_0C^P;A]YB=2) MTNYJSA3#MMT'['H$SWF*[1H._,OW`0-^L`%/>,Q$+9DIEG//_(#GG5@.?]17 M;AZ5I>L%M^`6NH#@W2HKY<;PX177P705P_+X]PL6S-V98OB*>ZM@9T:EWU,5 MO:<-^2MOF1AYM9>SI\G"[U%,36&H"*V;?#JU7 M'OK=C5V'W25RY_J[2=T2\(,SL^ZM60C+Y*/H-)&:$6]@O6%F8-TS8D3NI"?8 MCY1,I4@:^N[>L$,CR'9?!P=3=.H02X2C#IE/,I]=\-2K"H>J<%-7FRPRD%,\ MB(C!Q.!Z&9R>&7>2D@T7'/&G+K9M7;_,(5@.6DVE]M4U+:$D/DHM%K3@CGQV M%[\O8PO42;%#;$DZH*;M(`?%[E&5K1WF4*\/_U9K:+GR\A>[T/FR/Y"G<);HKR%`EIPRGATI45HAMMKN11#L)$W(6B>^W? MY)$FF9J]RM.I.M6-KG<5Z\LC7P--GGAC,*BTL8T0RTB'FE7I\GCJ$WGZUVA: M.TI1[PK2J6Y(\CA6$O51Z4['BRTJ(&:C'6GD0Z+;E/0.K0#[V[MD?:.3Z^-2 M45>(HTIFNTZ[,;7`*4&\8B>=M;;6J*!K5*;Z^<3:90R*Q394>+\13JFC:;DN M,R=.0%W5"EXB2IT+:JG?@GGJ585#5.LK/$3$8&(P%7,W7LR-?_^& M34.I/)M0$@2EMC-,92_/GFK%\B5DJ\\>#M3^I%"NNGPEVD-5GQ9+_*`J[7JR MT-21)D^&N#Y5IT-Y[M'MZ^IP3-7:E!]>4HQ&ZEBB!@;5HR/>>D&UJ. M#=5ZQPNR-"*BJ=-J-S];QZ9#JP%5?.\LO*W_2GN)::?JXT)G-$2_3?I-ZN\X M0'7?ZQRMZ<)U=51L;X,*ES>6U3$$C<6ZY1$)-T@XZ:G]01/E\U3]76'U-]%K MDTQ4&D^E\<)GDE=1&O^6F6QQ`P'7"HN^MEX>/^@NH3M7M"1U@2&5QPO"""J/ MWS,IU7>2J6Q50ZD6FUC279:0^13??`KFJ5<5$E'UM/`0$8.)P50>3W>='Y7Z M4->TA)+X*+6=S2M[,;U6\.Q3MF+Z0;$;8^2KI"]6"4EE]#5E74ITV7E_(@\N M8[V=FSJI?%Z>Q'MM*$_:?<6XB+="4&%PPP(ESZ6[+5WJ3"7SDFJ&1)4XE:(B MR*+1]9KXL3SRU9>H('Y0;:\"(9:1#E7#]^7Q1XH520F-BM;K4.GC<8&XZ(HA MCV,E53.83JT5'2F!ET?4=7G\HFI1H>+W%@N0BVV44/7VABM4[,"2J+=&O09D MCRK?U_E93]7QL-C^!15M;RB".IQ0U7NY&\^+[3I1S3O5<%,--Z4[4PWW?H@Z M5UDC=14]+GI*_*+MRB7;:Z[.%0[4]/O#1[I([& MA:[AI.KLFG+/U%%?GF1J?:+V-'DNQNGWU-&PG0(CJM*6)U6V/U$UB=)EJT=' MO/6"*E*;Q62@]OKRM#*H'!LAE@VJV&X/D^E`GLMG*\9%D,6#:K:%0:4/0=5( M(G]+5\?5]O`28CGI4.7V2![=&$)$*X^C-53'FHR1")5OM[,&@C@5VA4]+6RH MB%LV@=?4T5B>E@658T.EW&W6T])%YL<3;Z3JQ9Q6HM^3B^`+]06B%.N\323<).%`'18[2J:B[H:+NI=YK/@K]`/K]I'G MOYPHQ7B&*.`?S!5#,0W/>\2]""Q]88I[J_QK.E2U7I]O3OQK.E+'@YYB!,JO MH<.4?D]5])XVY#\F9<5*7^/?#E3%8_XRJ3I4E0?F,65IL]D=FRF!BQOF(7P# M6N>Y#_#5+:R(_CFQK;"@D\@7I9T=9VI_83;6=YTM#2]XY/=8Q;G2-^LDOIHS MY8V[6!K.HS(W?(6GL(/(6@[(,:>;P<]*8SVR`GCD&X@WBCXHT:UE,@$,;,\ M4`<7__2!%Q9\;V!.^=SPV-RU9_PAO@LX9Y:G&/"B;0&`OO+/%AWN;;^2^L/(LWO#_1U?3Y7 MWH8>6HK5(-%[R/_=$$0C)P-KD^&FH<#O/;8T'O%L+7E>&XRB%T;C34`^.$@P MQ5U:#IY7`PE`_(P[?C2GXD\^BT&:&\`/W&+U@0$+RS8\A-*%1SS%!+UP(0:/ M'\6Y9BZ(3:`L83H\Y5NX`$@P-YQ8F,`#\+_B=&9<7>TZ9+YHG:[;:$4+]IS9 M,W[[GF_8+-=H77!K<)"R!ZE]B]Z?Z-KXE9]H37:J1'W5X6@<:[`Z[HWS=!BS M2"P?51_@`.:C/ MN(\`_[;N#>X)6#RKBD\2K=^)3P&P6`N^T..$MP8L_BL'/%J_TE%$?1QW<4G M9];M+4R"%W'>L."!L6@EO`L-X&7`(@\E@ZH5_9Y%-G8W8/GS/+[(&=Y7%JR_ M!\"Z0)59:#+^K+/Y`'@[2]=';]Z`-1&ANP49X'X0OQR4&PYTD>YY_DR011W' M\2-/RLA`%D4(0-;L^@VDQG=]8\&X<$74QZ^L72Q5+%_Y.W2!IQ'9L_@GT\03 M(`JV[^YGH!JY>N#<^2#"B'+"Q%F&@;YR8_AH`!W%!,?ACB&FF[1&D".!\#=X M`]"@`S)CZ"[RH0TTQ[,[G"\##'*1D]5CH,!,S4Z6D28<#SQ0%US/?U`V%@LV M0_\23#&GO^7`["RB41:'2`IS5XA\XO"9,J3ASA0#AXPKU0TF3R&E/##\&3/_ MXXO0/[LSC.5+OL3]#@SSKSQCQBZO8G^OAY]?'?=TZY_-9QK7!^O M>KWKZ)^K3]?]WC4LGNO?/_N9[.H!+@JR3AF=*\@)9<6*C)-""Q4M[;50[./Z MZNQSV6.1^\KCO-2J@K6SPQE?([EY,TPS,G!HL=#^XQ$2-[HWALTON_;GC"5+ M=^@L#0N"6HB!36L)OFO\D)^NV?&2;=)5;T4IP`AD`4=`FB%AWC.P\C``SX'E*KVB\AO76[H>]XW4G.=>&\Y7 M#FORT^_\4?AC-<*%[[NF95#P3&:A1HJ]P-0N3+)LM9I(59*V+,[J-!N?<;;VR#Q>&*9'QC?OP& MN"WX7*+PNMK7)Y&ZPY^#\5'[ZZ0\I#QUKZDKT8_./N.%(US@>O%/%)SQUMR$"K?,/#V'8Q*W%OED1D>)J$$ M.\1/N-YEF>YMDTFQNHARW=O$:UVFJ=-AL6SN6CJ7U5D9O3V<-HVE%<`0$$L? MI>+UE5Z-Y+G<6NM5VI!-E))B3$NP_HFR%-BW)7-\PZ.2IV,&\HX9)[ESO:YH++5/ZF38J795$"V2 M5'+KS6&)7X/_YAVL`_L1UQ]?[,@PQ`3$)(,1,U_@MPMG=C4'?@4Y^8IU)"2> MKA2NM@%Y[N'X7+D,@,9Q554F955Y%S?Q^\+N0ML(7.]1>1/%W9'8X(65N)9_ M`9GVK*BL:V-#DX")XHH)CK1A.5A@-^/@K#1+?X7:LW1]W[JQ'Q7T M3N)4OQF8/L`8/ZP_'Y=,WCRFZ$7U%*IBW2K@Q^-D7YFC`NE#>Q95[QEQ%:62 M))`KX.'C9]?9FJ1^:SE@Y_%9G@(9%V#\@1.L<#9F@+1A/BIW(>B_;3DLK8W( M4/_6,Q8,./^59[A`D+P`.3-=SXN6"R5"*EIJ.#\7(-L1E7%)P9+/U929F7@= M@^7-G4GXAN\SK$BP+>/&LBVLLHQ31&-VN;>W9W'& MVQE/8E5`[A<\-Q6B(C.,ZETXQ;/(8D9LZ/`,_J6'F)EQG0)';0V$%1GC.E0^ MNPV`\2+7:+U-:BLR\@VHV@FF?X6SNTCD8@'.2(5QXX9(Y\42S`"OON"UEP\, MG0F`+YHP*N2\-7B-+27$44)<313[G[D*BOG5-[8%^C7+V#24?!!TYO#RJ"?6 M)C:UJ;U`FQRGI*[L+*UKSP'C4<3A-7F3IRFBOXLKPS#L.X';C"P%1`O M*<)=8>[X*%<6Z,B'R#Y$?Z^@>FY@0<]MD@R;T4$TU#\@;*AV9Y':\80_-#S9 M]WZ(!H:YMX_-!P);[F%@D#/$N?)Q5;^MW("%9/?/9T@N0]H#=N5$2[DH90%^2)5KOO7I@J5;P`\;D)V!&M/#O]'0^ M1Y[.F]33N8@:'F!IZ`U;@V#WQ&IVY@TW:=/P1?:+VQQ>1ZENL66QK,*_V;QU#I%OFET4I*R M8,-#XA1ZFJA/.TN%>]S$NS%D<_:%E!M.09JL[V\14M!RB"+XIEC2R69/[$FI M^U6E[J>XOH@;S.Q'.9NZ?RB1"^3F[Z@&R'!WE99W9LQ0\9*IRF>K4RZ2A(DO79YL9>YTDKW@0M<]P?NB887=2I=1AAM/2U$5AKJ!Y MP@5/ZY&!E.)!U#IS/S,/QY6!EN)!U#IW274E9BZIKLS<)=65F+F=5]T&:MOW MQ@GX9I)!ZMZF.*REK[[,(68.RDUUYJAK6D*)4"*4""71VHEM,]Y)1NA`'R?] MT-8+LK5?)QGF5D^!(XI3]A260V1`P.Z1V$7D..DO MADP'9&!8@PRTVNQP9[RR46VZ5B;V9,G+U(ZOBE@%ZS18?$43VO_2!N?#0@W" MMAJA%I$8J^-A(>,B-$N`(\5[60K&$4U3]6)63FB6C*IAB8!A25X@LD:H3MKG MH322)X5]A@B@WY](PY-100=.2);TU?%$GC5S4@U+!':C5PT7XHNKY3#68U6; M%KI706@IU(;GX^)FCBQ#!RQ#NRP9JWI?'F]:ZS5LK8]UIP^RS*)2F0Z+""5" MB5`2\^"UL2P9)87V2>-Q2I4AE`@E0NF44>K\GO3^-)D6>:8/U?Y$GLAM>C[M M?C#=4_6A/`<$13-*A&2)KDZT0AE"0K.D:()']S:CY3HOE,E":_WS8>>WH,?J MX(A]=%%9(H6%UE1=DR?KJ:(37&%]Y^AV"2G,\U@=CB0Z(1R<%TN#%=(8#-3I M4!Z>2'%".%%'4WF"FEI."--;57]\4>`VR.SED>\,S\%+K3XS[W)N"'5EY%GO M?#RTG">=^J/_QK]A=6L'F_;;V1LD)^=*P@8%^*!P1G#^WB0/TZ4'16\%.EWB M7.`E/ZYC6K:U=K^/Y9CN@D77Y44U"S[>6ZKX6':*#Q1*Q78+81N-$UX#051V57=5Q!+W6KNK8<:]&$3(6N,GC.`HU M<1<'M=#(0E2NA8;6*P\]N"B,*1_AD;FOO`,1GJU?7-9=*I?IM'V1 M.K27R)-D@G%_K&H%FP[M&;Q87Z1*!\MU#_B(RLP-;VRV[B$>O"C#NN>*3XS0\\*+.:3:T`H"8)2NZZ!EN\8 M\-$N^=FBNPQ6-^84B##*6^_ MJPN>`QRCXP<\'L#Z8O"W6],):*DEE`1!2=`H?"/N5I9VZ&/B<[C`EDJN`V#X M!9?@:*YZPY=Z(I8*`_"RH6`#Y*MC]&S-"L38@Y(+<6=H68\H5A0N%S)-:5(P M)=Y1XATEW@ESAB52XMVE]8W2[D204T"I=Y1Z=[*I=Y1X1XEW)[-$J7>4>D>I=P*> M8XF4>K>GY]V@NU3N7,H)983)/2F1FI+O*/FN@RN)0"D\E'PG,7,I^4YBYE+R M'27?G<8.N80H";KI3\EWN.AQ42NAN9MY]_UWC3>^T MQA,>*?>.%E)"243?@#+O*/.N%B)J:F]>Y`E.E$M&I)9O4DK;Z[0E%&PE$2CYA]+V)&8NI>U)S%Q* MVZ.TO=/87)<0I5;/"[[_CA+W"B;N]0?C6N"ES+VUS#U-G?0F50+?SGF@I9Y2W1WE[E+='>7NGO2Y)B!+E[74D6ZJ:`+QL*-@` M^6I/W-/5R;B*&+L#M*SKLMI*PN5"IFDS]6YFW5/RW3KQ=A]#`,%RJ9?EUE^A M'UBWCWPCXT1)>N'C]LA:PI9B.#/><$U5QNJTU^.?M:$Z&?:22%!5/.8OF8E; M*O:CJH"/!Z/RU,I-\PT0I_A.Y87C8++ M':`:VC/X%4`(K&2P\RQ_?WP1^F=WAK%\^2Z>XC/S^#'H%=#BM0WAZ\_??_=C M\M![P_+^-.R0O;5\TW;]$/!8/8@++5+P"[O]Z=F;Z._KT<=WUSWM^E?#N4;B M7/5ZU]$_5Y^N^[UKH-SZ]\]^1O"6%8K;&5Z6;3E/1"[Z;_Q;-Z5OI<:_NP$# MZ,\59)#".:1\9`;R9P%$V#S2SJ3=5DEIF11[>Z(R46R+*;Q\HURY2\M4)GI/ MF;%;RP'(;U$@[[E`&CXW:DO/,M%4&4%JGSQF,C!-,R5P`3';!H.%[CLX]*X' M[H#%?XA("0;04&S+N+%L*WA$2PG/,GUAR0-K!R>T$ MG%O76Q\F\Z:G)J\9-SYS@%JPQAA/QE#Y(PO7!ZAG]X"7<<=,62(4OX)NOCOM@L]D=0Z>9?V?]D!I`7IB1Z!\`Q6=\;MW_`,;.MA&] MS(_GF^:2?,<#EQCRN(]89IB/@9[ESQG:AHPEFEO,,SQS'JDE?A>YRI8#7G.L MR'>PY$1KTARB51@JL@]HKD"B_PY=-%'<3'+-XG8@L2L^']="^N+^5J+<&9N' M]@(UA2\+[L/F\*'C@G'W[KEV15!%=CD7"31]."6:I_CH=4U>R"EITXV#$&.X M(\08=CC$^(U!B*IH+Y7_N:8.ST,G6<1_.$@3GNK/RL/"%T$GYK%_F'@,N!J; M,!>7_-BQV%RRR36)&8^_!_EVE%A]8K51 M$T=P8W%!!?*MA64;7K[ZJ$]7HS4U2C:0(A53\>T(B.QRAP]E@(5G``MTQTW7 M\]P;US-PAIO'[$.Q_PBZ9I"ND:XUJ&O]=5W+<9N"[;I$'=L<$ZP']P8X8K#,G"L?8HG/>SSUN9+G=\RW<&?,CI<7>!T&LNQ'U%&N M>]%RIC[UN\ZB(6`E,D"[F>>?\[.=2,&B^"M6;.,1';F%,>,[=^!82F9-S)O=1_Y?G!`([GZ9XHR4F,4Q92&'2>/;B1[K.\S\NT5]LV$ M@/6.G=D6/YIA?X?\W"8S-IXY<(.TQ8)R_>:Y":`#=ZYG_8/&Q5\%P;'+DK?! MN;GUR4&:L9LUY![0/,?&'PD^SDZ08)GY@S^Q7>K M`F;.'>OO,+:680!._#\X_9,8.`XZHAP-&$SE)&;?@*AH^Q\M9N-ID'>/G+JDTM7TJN" M>K4U(XK.M(J0\0N;,5`RU!_372Q`-7VLA7F91]ZKU*W@N\#)(LT3G;@ER`ZA M0.#N!Z!1J!7<9;MYC`YQ7'O&78E'"$M`7T%9XQ'BX"29XY9O??ES-#I@$;Q\ M4!7^4^HBX7A9!\^)=Z3_^<=PT-E(#682+;FAQ]T=K/*(]M8,V\#C?'_.DI/@ MR.CR';VL5Y%US^`GH+3!34.2"/;DJ(AG"$2989OT>C#6K`M0"WPR^Y$;E<2X MI1X<]]<,<'HS[BOFFAEHR^Y9QG.*C%JR%6+8C^#7)38^(35W\?#X'1B#">)+ M?&`9WMB6&1WN(X+KSI@5A-R9BU#<-G4\W%Q&,I-9FA!"',,% MG8S33]P5*=7TJQO7_3+E^CA\UMCW7KGWR4*SOC^%\<;:/E@FTV%I@_JKJR-'C]E< MYO+S7'Q0-*#H#2;(Y*XJ_;6GUW(&:2$AE[9*BF7-/[>Y8$C!)JNHTP8B[Z$+ MZ*$2WZ!BJ5SY>/3+)=TT/(];LR=17GJ6`C;MWIIE]Z=XI@]:8W^E*C#L^IMJ M[(IMTR%^J(E6FEMU;@=2]Q0/+YC7)G.B_&!9$OLG*?!MZ?(MI?;]LMLH3C%^`MY-( M+.2_W1N>A>F4MX89N)ZOII%?]-I=FNZ83*DFW\9>"ZS1JW5\E=2??7K=`(O\3(D/SR.9YXX*[=;84-O'U4L/K0#FY2UA@X_\M[PC&Y"GDSLAS=_X:'X M^BM90P&!LY/G/;%O)NY-;9CNW2B?*Y^?4FG=%&6#F-1%.B*<67,'M^7P9_#D MABR=,3)I\;GFFD4C(T8!3MT6ZZ/K!7?H(J#(Q]L26">;[XAM?9JKEN58@<5E M.O]4/]&FO/.Z[9M2D9%*HK'5;CCW6Q9XPO5/]IR/NVHA*/#?(3`M!87OE9G& MT@H,FSL.*0918'6N?'@:.F4RNT<]=6T;:8&Q7F2J8X>3*SKX3A[Z3MN,6284 M!,88@9$U;T"HU)YESS^OW/2P[ZD'N\F,-4"__RXZWYQA,<;ZV4A.CE]BVY;H M93M!.@?[AL6A"%88A'S?WP<_%E._\577M#C,G&CX_A/Y,`W;#"-[&06PQ7.< M8@IP*QL!DB7<85+JMIDNVKA)1^ZO[[P3HA>>2@\O]@W9B! MIZ^8C(AKJ;-V@#RS?!Y+\Y_5K<];B'H!KYBYPQQ*@M?RO7%@AE`#C!!0Q5^0('5[HQ`F= M>RB]RMU<205H'5_65N5?B`[BW# M\8)B%PM!,ASNPR="D-FY727,(;=QLU9%-X!QCD8:`2%=9(8,WK$7X9\BR&(OMW.X;A0C+,V7*P,1;Z)^)#"$_N0,4C!W'/# M.]P.SMEIBK!*@M954M5&B+L+1LM?V1>T]ZMH;#49E5]1^55#5..[,[P@B6^) M1)L=8/\QN>D?MJ7:<9NS8FSIH_"6F6QQ`T:JK_%O!TB2.X_=);GJO+J*:\&3 MA,CXP![MU8X3\L3)62MK31^D6BNZVXON]NI0F_S*[O8:E(<>[5F*`1BV]`-= M[467(%5ULP7W`E,(-='I/`G`RG%@XB82\PEYG81HM:9BQ4O*0*\465WZ=K`G3R9=@\:=G1(4,=& MR2^5Z$O^]I^_DQ"I MDT6IX;OZ#C$3O?,^[P@5GU.-)UIRY^`7YD>]^[!;;)QQ=H:@\OR#Q(KL($]5 MUVJ6O9LT>7^PNHCUK-S\!^$A+O:ZID[U?H,D*';=Y_;9#[K+_/!F9MU;VVZ`D\[_;!6EJ:KU-&FP MD<<1.TPK=G2@T M+L25[O@(V7W1+;VHQ&*)/,(E#R;/=;4_*11!\]=^D!2+VE?\@T\[?\]4@=-I M!J%$*)W0649V:<]O["$68^19#^7!I*]JTREATYG8/JOS;_:W(1.+/?*HC3R8 M@,H,BOO$)X.-X,O^UM8X8K%%'G61!Y.1/LAYZ?OO9,*F&K5_PR$2;(N3=3U@;H^=+C$I8JN#TG/FA2+OK;>^6'074)WKD16ZI)J MZOP@+C.H\X-`S*#.#VTR@SH_D/]%]>,20$3,)>82<[L(4>O,IST)_)OZ M.!!*A)(X:4V5)#BL'V1.J5_#:0@9H=0%E)I.==A,:M;7&C-,J3'#WOD/PD-< M['5='0Z )`O-8$)]Z8X7@!$*\Q0ZXYX^]2#X:R8^=G):U5^T_Z>G?PD8%O]OMA@ORB-A4'4VIM%H\3"KGBRC+.;54$`03K4=+OGB85,P5<19\ MZIY`F!R%R7,(<_LR=$^H!HLZUG'\FWHA$$J$TLF<%/!WJ>T!87(,)GUU-!P1 M-J*'VM3A@#"I0#MZ$FT45(Z-.(LY-3,@3([$9#209S6O&)>=K0QFUGTF38`J M]Y%$0!,BT!8"7TSER8?&7I,1\=,S3L>!X*<=C?H>$$%L1BUCU3 M+`>IQ(]*%>/�,E@&%"Q[U!0\\W5"U>\:"$&,A9#O_]%IP\Y1[3XY4%,_S0 M8SQ!U+U=)8$]62>2!V<*SH1<.5OM""DWAF_Y,+(1*`_,8XH)CN6=ZUG_P.,/ M5C"':7FMI-+'.38@F%O@A'KF_/'E4Q&AWA>;&D2]+QKO?9&S.B35*YQ!=GLE MM$INL4JC4&TK^L&\HL/*?@J#FU?FL_IH!/PY3WF!C_X:.IG?^CTU^Z/>TX:R ML$%,J(ZI""L,(`H`7P$S:RDSYX[U]S'E7R=,R#\R;D,*+*^8)#H6`/"+X=P= M+'EEN@((O#*U#T"I)>8Y]Y3=T#>KAF]Z6C\/8_FA5G5-D.SX3T@M5;#8<)P,4;!`K1K%=7Y^N M!MINCG";(WKHK>6;(!L!FRFFX<^56]M]X.SR0[XG\UR+W(3XXZ$FLGP%62+U M*\32\L[/'EL:CWQO[_/E1:U0K`N'WE^-!'*B1*--=$U[I?3[3ZO2FCH3K]G^ MB)Q7)*;%3D%/U$OQ*DPRRE!U:($[/]>%_M;@VD#`**XP?C0#K2QZ5 MYPNPX'/_!^4_%Q]K$,K^AFG4R322-.8-_\;U`U\)W-A?K,-`_FLT5,Z4?XV' M3V_VIH[]=$37N2.Z=?7<[N$WT)2O40C*-N$K#&R!T[C\KO7VVHE<57WKB>VB MG[2="-$J/54[$9JU>8)6?.%8I^8.&E8_HG`'8%TE6N>Y3@A(=AST_7=T("3= M@="3S7IISX2*9=JW=B;TA"%T+-34L=`9G071AN>6X>DXB.11)'EL[D3HC(Z! M2`KI&$BJ8R`B#OK!"E8X,A#GA8'N*2>4A,>,R("B&QC07@BZ6'V#T6'KDQ_*B&$7]V;_YB)J^C M-(+`LVY";#,;5R@N`:!;U[9_, M0%N]1\7P_7"QC/K79NLN@9=?6;"T@1WG)"/'*-"V".=$*08:Y3'EP0!H7<6< MXZYY3HTO2+27WV!115S,.2J&H:3UO/GUP2C+^*L/U+=NP;L`]SROTOAY7.O[ M@ZK,C']06+\Y1^CW\S)(4@A2A/L?>NQZ4?E@G&N)#Y MUC*2[2LHQ"I_M4]B M2V);GF(7EV^4*W=IF\#C M8$'4(C_]TK:,&\OF?;)5D&/3#F>\M<3<]5F!=Z/&#@97C`!7"1?L_S^1D[7N MQ&77D*@G!*B.D^D=&GU[SCW!!0-`9D#5.YP#[R&+?<,(QN-Q3>$]%-9<*/D( MR('01Q?.N''OV3;("P"W/BI8E]_1K]02!IO8]=RV9I&+O!J!]UZ,%N';V,0] M,L.+3=J3Y?6)5!"5J]2HP'HN\)<65F+D=5]R&.\'RI]YOY`K1? M:6*P8_5).P!$U0[:H4N?.*T/ZFK]H$W5R>AI"6O'28#W69T"$89EY6`%B#90 M^^-^.2`*D>#X-A4=)4&][NM3RQ_9>AP"R[_B8LD96[J^%0BV\AYNN?6C+;?0 MOH>FZ@.-L!$2FX&J30@;81W<*$QG,^9!D'X+\_FXGS(3B^IDX?IJK_>T2P5A M(P(V.F'3GN-VL(V[Q(K'N"SQWK!L7AZ$]84^1.]BL8#,75]7)[I.Z`B*#GA! MXS&ATPVG[A=WP93?L(O/:\/YJO!>*&(Q@.P=++JC"6$C*C;C*6$CN'N'!LY7 MYLR>D5,GJ.CUU>%((J]!*FPT==PC;,1VZ"(3YS&36;P'G:HXC(XB1!.]\5B= M#.7Q%Q"?P:C0L9[8^$S``\II^-M=?/JJKLGHT5V8IA?RMF$!\Y@?9"R?6"P@ MHS<=%;H`A7!I")=)?T"X".S1%;D&J4[2[\KW*FKB^G*:.$V=C.5)8]#5D41F M#G@SD0<;71V.*]T];;?P(],/EJH_""5"B5`2PDG;XI*]C3)\F_;`*,3/D'[[5O?&-^?+^3'WKXG%AL(4,(H9LN52`J%S9]B9:HJK$18L_MR;'"TGBD M,P7QI$\B7T\B5#2)DD3:R1"IU[G[DG_WH5B4+V#<)#U-T-7^1*+83S)LAC+% MY55CL^5F[!]?A/[9G6$L7V(C5-XJZ^WJ1C__"F9Y;8,A^OG[[WY,'KP,;WSV M=\B1']?CSZ^N^YIU[\:SC7V\K_J]:ZC?ZX^ M7?=[U[^&&]\_^QD!K.:&RNY>D&7'[<*BB_>T\PQC5W^E?%`B1G#.WJP,;N47 M?G:?G!OZL9M6616KYM*VSA+P$UX!>1_=WZ@-HOL;U>Q]>0IOW!>%9ZZ"-X_? M>8Q?!LEWI98V?.7>HH$`]\FW\#)UYMW!:`]6,%T MI<5KH"Y\WS4M`^\K5YZOGO]!50SE-GYG$08A7D.9O)J^D:L^?P"/HELJ$3HU M`T0$)5X0"+AP/PPWV18<&`YVC":^B[59N<,#R7X-[4=%&T6W^*K)U9F;!#!P MPL42^`KCWCPJAHDWJV)."5Y:E]Q+>._R.T?]N>%%+4U6X.;.?I5A#?8%B*^6 M]S&"'D_4<7^4&'E@`A?W#?+-&7\86)[RX_?8[Q@/DF M_Z4J(U6?3N,IU00GD'P@4`Q5#$YT?7?4T"#>XYQ%.YX9:5R&;-KZ5FNE[2#<;U(P-*]U"Q=D0J&,OPO?A,JM@=-QC"`@YC\7L[,+[*=&8]^/&O\.MXF:<-7KK]D9A#Z:LY%LLDM MJQ9*-A]V:6XA-`!;8ID?%8X8/DZUN M;>6<`_K@O'C+)CH(9BKBK7`WP!<8VD%V#`2.ZS!9"R` M`>![3FD828VWITV<+>*3;2VL`.^YM7F&/$P#%G3%C>VW5I-A7K1ZC75GJ77A MK"Y_S6@9X&[RE,/X-:+1YSEH*#YPPYB3 M5=5'%@`]5A;*6L,CRFY!A`>`.DK%V4S+_)EI#8(5?)#>F9^7; M-?$VS2$H M33'X",_._?3S.Q!XWD$MN2BNS$7"PG)!/(A:EXM+Z]MI2D69NZ7(\#4DX!5< M@4&WZ,K,V@[?HBLR1"*PEK166M9V6&N;2YK)AO?\/H_1JN?\%W;/G)`=V=#]K1V2I7U$1C'Q@BQF9G209.E.A3/:'+).Y.M)&J30K=JE:[X)3"9]!3 M^T.QE+DT-ZRL[:R[( MCWJN/W^:W:O\2QNK@_[@!\'H/E8KWN5J1:S?N+#LQM456"-C.'>6<#T:]$E' M*\A7!C_W'!#?_@0N4ER@LP4'7;]D?ECH.&,7)4FK3DNK^(/OUWHIK!TF M".'[G[B;C]ITP>P M^IZ%?93@_;AM2=+V(9I$Q8Q+.YPEWWK,YLL%)[9A\N-^T_6#M'L7IGUAB[#\ MYEDX?=2R"KM(8=M[ZAI$.E*#CA@WV.,JDZD2Y9SXL5SFGGK%+BCHE7:N#WDG MM_BA[3W;UMN`N9GCG$SFB[.1ZA*GOV#*RPWX6C,E7`*$+S-LMI1! M:V[,QT[QSK'^P6B&W;EHSK1<0< M%)N$:MG4)S]+*Y^,62ECEFGO=)JDN5Q;&N.5%5;@J.E2,(<8X6ZN8#\+I=^+ MVE2"\((?#[_^:SSH[;`3T5A->9[?,2ZQ31O0-3-'+&K+<,=^&7N(2!'/+ MFRE_AX8']$*MB)MG\HUF/P^A!\NV4>'R6_-GS+_W1[L>KS]AG" M1O,Q^O?JC0H;)\=@XI]/"H!OC85E/[Y4-@18Y9]?/5.P0!BKFY,!4-:<._S$ MT4`BIO=#7H()CAJ\?H[Z@'$S]G)#&],AN.$TS:@-)3([=`QP!(/D2@]KD7$D M_63PK(@M/;8T4,3`VJ(`K!IR>J$=WW[DL;O0CI>&F.5IIA5_XMTW,-3.'6^( MN0!!PNZPRAN(B]%PKS4M0\_6=0/LN,>7DK@E=JQ@V+B4N[(-K(.C/P@J"6*IQL0GB)K-^"-*?2[=SY0FG<`<-=SOBG1V; M@^_/&0OBER,G'BF%W@B"]9:94;?@?MS/C:_4$&M;]]E^KHD$K,V02T0C9J@1 M<(^"0\G-4()L_EM/P//G;FC/(ITW.%EAB+]")XH]LJ'&/H"<9$BT;0Q$,2L/ MP9:6JXV&P1M,[ICS/?8NOCS3SI4/T4/NTG)BEP/4 MW[CC,ZKH^BG&#+V)"(+GD8WD^Z<^=W:0&%Q]9Q9 MZ,G>(?+.5/[A&Y7CL:+%:GR%:`]8:(CQ9$`ZS]6N=]-D=HOP%H@*O MNXM#C`60.$9C]R*0JQ:@?O=IXGZR9;_RZ0WLG7IG8^/4&<@G2)D?3XH,3*5H M!0*N$1!JL=B<):VP<8_#P9O;8\U?@/7D+T:&`G0)-S&)$'H@WV(%*_A&R'R.=!TK8FGN8<8CR;@4S?P[2X]PBV MY!+$]#>CAJM7^$S=4AN5(%P:B4'=?6LI&9`QQ[Q/&T&I`W*0_^T MH^#J0[=[0)7I+]B*2+0R:96-I;J#=9LJOUNE*V##OSW7W[R/1SAB$`?:)@:9 M&UJ'!"%1@ZIYL<``Y)\XJ5%@@DC-A3\IF&[7BHQX_!%(P`\1SN#"%E,R7% M'+YTS-V%I*L.015U*AJ5[%0TT),!=%WM#0I5=3\%XB!DQ"7!L%!SE9+H5]78 M?U@6_56SJ^?:N%#OSZ<@Y'4F$A]O75.G>K'N'$60::K2J:"5X^-=OKY0EBZL M4#G8'\^CX]B[ULIK-*ZT+6BKV(C5B;D,)I56?[8M8<4N,:E,RYOV9OAXGV[@ MW32YU(]R,#$M9^EB*0966OCAS^$^P M]H535>NUT\RHDO4^+YHK:!S^[0((#N;7G?E+3''%Y$4>OBX]RV>\!VOP6#2B M/)@OXE7`%[S6IQSZLA%O7'\/*7F)5\C!(MJMKZN:0-W+CO+RRO:9D*U/A:Z. M1^5,\8E34!_G]7@C\AU(ON>Z5FQ'<`?^N[;&)",;Z.U$+W8W9)T-9DK53P== MKJ'>7EY.-2E4DR+F*6D5-2E)L6FF+D5;KTN1[P)K<065J".+` M27'@!,T-K4,BJ2;5I8C`!2J((#:(SP9:K,1?K`0+.@7*@::Z%&E92W4I\O*6 MZE(D9B[5I5!=2HUU*:-QDX49XI&@8!*$?'4ITV*GR;+4I>CJ<%"R(D>8/%5) MZE(F?7D2T>6I2WE>*,UIJTEH6;**I]++7(^2P6WUE\@E*@.)*M;T8:6U4>W: M!KVXG1/,.$S5T;32FB$J4>EZLCN5J)0@WJA<!VBOF7U"-Q08%2]8+GCCYGNLZE:@;E+RH)'OIR8?5 MK2_^&]OP?>O68K/7CWA]B6>806C8'XT`QWQ\"_%VS1>><.+]]"PZ;WJ6V6T] MC5J3"-!5F0F5G8A]"#JBFU`H>4IP&:TT37B%!>532V=[8DLK&1J_5L)WJ=BDS`NJ:5#J4V?+)=Q1`[2B#:=&4*W[DAM"@5 MOTA!*->,/R5LYKE,-R)TOOO^5N>)$A4I4;$ZX@G5TO@($TO).M30N&H*MMI: M-LW;*9-KD\W9^13,F74\Y@#=.7AT M^\%Y9W@.H.13!D^W,WBX#-IMGH\W"D'9#)W"P%[-/99)R?D(S\[]]/,[D-%, M(L33_)T.TKA]"!KG\J7U[11X7#;_@23PT+R;PL!6F-Y'K*J=557U_B96D5:) M"0%I5:TKJ3"I?0).EQ.&;Y4P.4!I*;]RDF;4O39LPS&9JMRP.\O!G8$=Y!`M MLS+3Z$LK5D@I6Y>OYUK)-E_=['(UK>_F]2Z@_UP?%3K7.Z2Y68N=O7#S+GHQ M;<*MW&%?5^6YS3JQK/N;4K_EMTR#X^\`^.;`G,S,U`\9AL!5WA7"=>-PE'!04>/ MQV1O;ZY/=3DZVS5]S`M"I9?Q0HYX.G$Y5T!>#.O6((J3B7D-804.HU(RG8-+5 MA,2:;K+F!&^-)%+3RB4.B1HTC_%E?6D6[3?+#Y(M(X'I0TP1D#YD0N6>]`1) MW;G52K`XM;IJD=+`:_KVXA$WTSWSMZ1A8<<)+AY$K8O`OR'N@U%3''"K-_V4 M(R$24%T\B%J7@RLW,.SN4K)SBY*XWGI5O9<%IX74#*#M/"'80'I`>B#RI*0' M)\*`CNA!Y[PXP;S@RO(,R@/?\0LW1(:H==[B9KP,A!0/HM992VHK+V]);:5E M+:FMO+SMMMHV7;"YEHY]UCO7+"=-C<='7BKQEW%.]$"?)L7D1_90SZ2*"]I= M8:CJPY+]%3K>7Z)_7*,%6="?J!/]N*O;CJ.`>*TF@!CE(.@\_FIO?(JW]V5( M,"YTF8VXM_<=T)5@U\K')_ET`P/R*]5]Q;V%J8R`^8KAS)04RR5X.!Q*Q0]O M9M:]Y>/C19V.@V5`O#IH7=6GQ1K44!WY6M^'8DVMB'AK]U5IY:IG3YMZ.HG> M\<3KJWJQB]^(?NMU[_7?YEAO7$V5^.M-K-3AH)P?<.($'!2+/(AZ&S=7CDO> M)'7B!-1&Y:Z2.G7RC55]0O:O!`5UK5P_K5*]7*+/R\P&3=&.)@O#N[,<_!"D M/40.;5W"=SQXCQ*6]BW9UL\D<5IZ_'\5]C?)(=TRPPMJ^4(M7\0\0*S@!/$M M,]GB)EODT]?6V[Y4=8&!.`>,X@JJN(FFU%N$6",JE:BZ6^Y)3Y#4M'*)9!ZI MPP@QI=M,.4$32J2FU6J/C1(E3JUJ0X#:OD@`4>LB0&U?A("H=3F@MB^RK]N' M>NM4YM]]!M!VGA!L(#T@/1!Y4M*#$V%`1_2@@B0]0Z:TEMY>4MJ:VTK"6UE9>WW5;;=MN^8(+U9NU[]-VJZ:#UU."I6!BU=UY=QL1IZZ5J>C%1]4%_7DTZ08%J?"#3:]84_ M=?GZ0EFZX&;DX'0\V8_C6*:^[:S:V0B3"C#1BC9]$QJ;0IZ,T)@07UIJ:M%P M'ZV3[YZEJ8,I=9$YGG[4P:B,[&F3[?5 M&;E1[Y.-YEG:F)K'E&D>4TX=3IQZFJY.IT3!,O+7H^9CI<@'!I`H6(:"C5C` M+=VS?GP1^F=WAK%\>7%O6#9^_=[U+@V;73(S]"#$9W[:6B/-N,3SV\^N;^'6 M`";"\K/Z*WS]"@!^;;OFUY^__^['9/!+<\YFH/GQAMS\]>Q/]?3WZ^.ZZIUW_:CC7>D\; M7O5ZU]$_5Y^N^[WK7\.-[Y_]S*G*^V!Q8O[T+#K6?I;9XJ>V6"7:8G'QLVM. M7VADDCS-R\N!*`P,2"53^CU5,'R[3=2D^Y>"3;]$PKE$VG>C'-D>7S8%0=ED MI,+`XM+014*U#T$;K*JJ>U][.E_;"4_B@6C#W(0O=-84Q@]M=A!+M!2?_FJ` MX5#5"YZQR)'?D2'!2!T5W%\2.\7CC;M8,,_<+Y['LZ'TJ6]?5X?C0D&9T(?8 MX'*.AH5NB!/L))L_=7'G669H!Z$GM.B,U'&QE#2Q16>B:GJA[O)"6QS3=2`@ M#DW71ZG M>@S24ZE_5X_MP;__9'/+M(5S;:;%2O^$E@9-'14KXVK3EFS=6'T#3G$(B]$. M1&3+XQNI^J30K@KE06[2KV`%KW@WB>93C;<=56Q,;A#,UDQZ:G\@S\ZF-AFH MPY:V-BOSQ'YG@3)CM\SSV(P+C>("BI;#RVZ46R9:*/B\WRM.\1]$P^&(3=JG M.(A0T15Y\[;M/AB.R91;UXN$R$XZ;)S&:O)<5[62MWBN2)`GK#+3;5CN_M@= M=&O4FN[*C.29AHJW2B]4%8<%!=C<\1Q3;3Q6)T.ZIKH,"2>ZVBM6VEQ7JFZ) M;-IL4NYGPP_>ABSG]`1)34X5 M"890DS:U_/1[$7@37=->#:AIF=A6F/ M.",,9XI>/WHZ'#C!I;MS/IU@&XV5[>:6!_Y-Z'DPK@RT%`^BUKG+]SS2192N MH"$^=X>JXD'4.I]=+P7_H^L1F^5D,ZGS:?"Y:%`E&"7K:PO%KP![E@/5#NK4 M,&2!=C^"0$Q$D)`(WW]'9!!H2")"!XG0[C67.^ZF2?(^1]IXU>3J$,1W-4<[ MP(=XVBFM8OG82IGC9O[7,1-NM"+3>H6F'.JJINM-(UJ-)G*R!DYD>M0*R MLMGZRX/]]\,1W=$NMN'8;1O63>E%IA3Q,!.CK;J^BH(6L25X-=6))Z+QY$PH MC(@CQ!'Q.$)V2SR>9/K4BX&6L!O&AZ.ZL\T\R>-N>1RIO=%`*+2(+<$K31L+ MA1/QA!P<\3@R),LE'$]&$TTHG(@G:S?( M@A5QA5P=X@AQA#A"'"&.R+6Z2[#9>?"U=B2:>T0SN6Q/%*R(*V3"B2/$$>(( M<80X(M?JWOD-SR,OPR4QW;TQ#P'2A))T1&.+/CJ^'(YX4@]/B"7"L61"+!&- M)8.>2+F%Q)-XD1].CJ\!I%W0W>?O6RY")Z'!)'B"/$$>((<42VU;V!K8>2-?<*GAKEI:&-S8K918/OI6C(!B%]P#&`W4RJ3!0JI\Q)`KUB(*NCGLD M""0(KR93$@,2@U>:.AF6N+62!$$601BJ@R%9!!($+$%0^X,*-U3K8DP=)TDU M2$^-`MF90TA!4>LZ_,0:8>$GU@@+/[%&6/B)-<+"+RUKY-V!_]UUELR[=;T% MEE?23KP`P56%.0H489,0D!"0$)`0=%<(:/?]E`5A+7>&1.&41:%[@K`6-KT( M#,`[_;Q,IGBP9NZ##^/'-`D\"$(P(GFI.*[#-L*>WO+;*V5A>'>6@Q^"Z`L$ M(8)0^>_`6C!?<=B#XKD+P_EO5>'?J(K//`M",[[5?^8O#9/A#-["L%\!88(` M&(;?`F72[Y.XKL?_!R\#8].G^-QG#^SFJP5P(YA^X+E?V1G@%,Q?IK#A]RPP MYZN!\^BXS'`/::5PIOWTS`3$F?>L!+UB<+1>[[]>*;%L`F:VL?2!!LE?Q*R6P['G/U.99B_)P7G%=PE#/):L5-#L=N5F)_A#$\)%FP M6@B*9%)&0@=<`.D`RH,8ZGIQ:-\RDRUNF)="W=?4](/>TP;=(>2672!A!*T9 M64KEH1GAE6<2(AV1K@72Y;B!.<:].%E_XYO%*X@^&WX@&.HDFF)/(B/IR$F0 ME+%=-]?]7@3.1->T5\-I"MM;X]$7C`C=IO0H2^D)4;H^2K\-60K/M$>4KHW2 MO%)/,&1I*9/41VE[HZ>R';/BP+X)/0_&Z2*MVH>@<6[QF#===$+61:JU#P'Q MC?AV$+!NYB#AH^L1V[K!-E*W;O*MH-/?-J7J8_G)F"0$Q$("((0(0C M.U#)1@91("8B-%Y1='#I4)(K-M+&RV\%<@*_,-_"T?&B8(_!OY@?&,'>ZS4R M26T\0VU4:-(*BL64XV8^.!/T:9KG:D:M5VC*X4`=E6G(TQ2)B95[IQQ/2F3O M$A^%X>.P=_R=Q<1'>O5W[C+A;,,PLZZTV*:E-Z4?A&J9XZ&A[?,KH3P6D'V4)7KQ%' MB"/$$>((<42JY5W8C>+#4;VX\RPSM(/0(W>SL#R.U((V2WNL:3_D352MQ02[N;NW8W3=?Q`R\T`\MU.NI[EKP^KXQH#M1> MGPR&:`:#EE7B"'&$.$(<(8[(M+I+L-69S8*5P/5L332G@YY0.!%/R(`31X@C MQ!'B"'%$IK6]\YN=O[@+IK"_0RMX5)4Y?K`62\^]9PN81#$<@(:!*SI3%JX7 MW!EW;.\%3R2DP:N^KNI332BTB"W!*VU*N1"B\>3X4C;B2$T<&8JTK4,\P8<& M0Y&\'N))O,B/!R(M\A+L@&;.WMTE\XP`[Q5%+S1@WH*$%6B8)]84@]+:&='-(Z,CJ^BKYLEWW]WJDS1!K2:B,:3H3K6*..SKA(C\CN/ MDNX$,B19S$$:XG0F%$'"&.",@1:&-S8KI1$'W\51$(S"GM%$4T=E MKC]JGC$D"C6)@CK0*EP>21"Z*@A#O<)PB<2@JV*@J;TJXV82A*X*@JY.![0P MD""`LSA0AR6NU6A,%.HX2:I!>FH4R,X<0@J*6M?A)]8("S^Q1ECXB37"PD^L M$19^:5DC[P[\[ZZS9-ZMZRVPOI)VX@4(KBH\GJ8(FX2`A("$@(2@NT)`N^\D M"%((PO??D2BV:W[]^?OO?DQ>NC3G;!;:[--MWGL0T%R8IA<:]F5@!.'& M.'B)"]+C"[O]Z=F;Z._KT<=WUSWM^E?#N=9[VO"JU[N._KGZ=-WO7?\:;GS_ M[&=.8!Q8X73]Z9D)(1GSGB54>[!F[H,/)(O9''@05V&0]5)Q7(=M1'*]Y;=7 M"KP2S)'(O?]ZI<3B`T&E;2Q]H'WRURL%B1WQ0OGOP%HP7W'8@^*Y"\/Y;U7A MWZB*SSP+@E";!0#5F;\TD$@XM[=^96DG6)V% MIA-I+6FM4),VI;737D9)C<>,`KM>^O='UR/])<]POV=8@41"Y&5$D9<,Y!0/ MHM89;#BS%/[+P++M]"./N8%>W25T"4N4,V'.P?ZN![)\*C]:H],U?3:>;)1H M^G3Y+7HI>TOOYL6\^4*7##)*AMA-KKW`K,;YUX&O1SM^R?MZ;Y`,H*F]N";Q M:!@.PB5Y:U@1!8;E**`-M&2`LW+S5R&J5;3%YD]E;D_9+9C'<^`XYF5VG`O1 MNP+KU!%,&K9K_*FUMN?""LQP-""1$7DYZRX-)&\8FZS61\'08D^;- MSI%W%`M#_OCV+Y(D`](3)#7EN5>: MYSZ:C,M!0%GNPF1C4)9[9S&A+'<2F-;3-0ZV+I2FW&%,*,=]VZO??T?B(Z#A MZ7J6NSZDE$-A+%&7TMP+168D-I3F3NL6I;DGV94D!4W;#LIQ;S)-FVA'*>Z' M4;S-%/>D/_2QW*04]]J)M[<[=IE&U]F&V3EOO_'8S`K^)[P,P>T'9P8J%K@> M-**3@\1=[DF)U$1J6MU% M]8X$2HS^;/B^#(04#Z+66?L1$QM<1P9:B@=1Z]R]#&_\P'!FAC>3@9[B0=0Z MA]^ZX4UP&U))DISL3<\<.DE)N@^!IFM]NI:*;D;Z."FT.+BV(7.<(5+)C3;0 MDP'Z/74P*-2ZO635C7@DT-2!WF3=D3`46-4=C7N%DD(+51X]Q?^4ZJZZ@'U? M5X?C46TDH.*0_?EQJC:DZS,($\*D!5VAQ/^=]!ZIHV(]@L66'GFJ7[1IAW!) MFV]+;Z!&ZJ1?J<(TZD!M3^$M7G>R<_?J8#*+EQ,]4L?35N_KCQ*M!-'4P+J(.QVI\6._6B*TOHRA*J#J,$H;JKP^C.$I$$E8H+Y)XT9[FG"C$2 M=UDG)5(3J6EU%]4[$BA/G2K$I&4M58C)S%VJ$).=PPU6B*59.\1@JA&KWPO, MF;!H6E=WRYIH.JH1$ZH\:%4@I8_4P:!8LH`D%5)IF9PZ'!Y7(M-Q"JRJA$:# MR5$0R%(E=>(U8CUU-"R6MDDU8I6FE0_47K]#"?][L)$GW9\P$0^3RG6%:L1V MTGNH#O1"WI'0TB./'NC%RE2$QD4>K@S5L5;(EQ;*>Z("L?VU$F/@<+GLTM.N M-:$Z':(=T:Y;M&O&YE%]6$,%$GUUI#=1("$M!8OO&!,!U^O#!E0?1O5A+9F_ MB:KI38C?WON^CKVG*WO7UX?%TK#@I;P;P^AV+ZK?HN2=&F_W.E^KW:+;O61. M@,]?'VI)$OO#`9M>),7S=%AP@I47LDO[A6V[#^"[9"PKN`NB4T=NEH#A-^Z8 MZ.20F@N<1R'83DY5VV452-MKP^9AG02T%`^BUKG[ MP;F'Z&0!0\M`3O$@:IW!N"]C&D&A)5M8:HH'4>O\)066G,'HGQ/S[R4HF^Y./]QPKF0!3%8S8:2L5(MK+AFRC<>9E#XQQ* M-)6>7M>TA!*A1"A5,6T[]1Z199LN,]T.TMK>+\RWT"#*T.Y@,-7*02!>I?^N MZ[=.@P*'X$^U_C'WC[L/6A;\-0'Z'+3GJAH.N:B$$J%$*'7912WHE+9(_X$N M3XV^3+A,"I5_"(V*3&PI=FF=:/[8%D-U<*_`%@FOJZ-J:4_85(9-?U`H7A<: M%^",1.9JV$X;JDJ\J@."1VUTKB=&[!=WP13V=V@%CZHRQP_68NFY]PR/#WD7 MF!0S'^)*^&+A>L&=<1>GW0G#M+X\VB03*O)8!8FX4FE;+O'<,>$[[\GCQ$B$ MBBX/*B-Y>LY6NG[4Z8IM-4N.'X)A$HNJ\O3]E`>30@=80F,B#T\ZY"CE)?9M M\Y7^9'/+M'LC6Z*[8Z3`U"23:$>U.F';??]=YZM7?%K4);WJ],5O!U)@3 M:__95T?%]JBH@2`1L%("#B;%KILB\FW*WZC=E,ML1 MW3(7AG=G.?@A2/M3'MH6DZ^QO/\E2WMB;NN5F<29/?Z_"GMGYI!NF>$%=1>E M[J(=*]>LHKOH6V:RQ0WS4BSZFII^T'MQ#_Y.$KIS?3VD;@1#'4:IPVC[DS8E M[=1A5#R64(?1UGE`'49)9`H"1QU&1>`"]5(4@`G4850PAI!6",`$ZC!*6V;4 M892X2PT*Q8>H=093A]%:($H;0K7.85)AR568>HS64GM+/48))4*)4*IG6E%; M#:QZC_;D[#TZ.LG.FZ>./W4>Y0,,>X6JC:7#7Q_7AGX''%CJ/$HH$4J$DIR. M:T%7M46^3"3JOR83+IHF3R^625^>]JK]0NWR.^BH92U81UJ5]@MYTD*+EUS8 M2-:J="J/&9NVTUF96I668=I8GE9/A(J0J%3JW+1KKD_331.]A6FQ/@5"2YA$ MJ$C4;;G2SGO'8?+]=YVV815T7=(.[+FT;L2V-CS=F1]T,)'%:[6E%6IX25W> MB'B5$:^0:2'BD>151;SZ!:_9=KG48/"`]FYJ;UR.[R?>GXP(6)*`PV*;-$2^ M3?DK>!Q)!-QT&4=B/!,`0UA M2K^G*J@FW:5RYRKRI6[A$!?5JZ+3@[H#RCTID9I(+=^D9,6[O/`+YCA5Y9Y6 M(6_LSG(<((H,U!0/HM;Y^V9N>'?LS+V]+=+E3EAZB@=1ZQS&5AY@>:U";0R% M):=X$+7.X,^>>V_YENO(0$WQ(&J=O^^<6:?7WQ+>8,Z$11.[,IPH/QI-U]7I M!,S]C;],FJ-H8QF;HPR'Q4Z\)6D.LL+_>;$[R9X`\$.7L*:6*!'/"YZR/X'@ M$*:+A_90+W;]8RVM4)HJ3989VD'HB6R\M"$9KQ8P2?M-=Q^7/9C(4S"K#>5N"9#O=YFNXP=> M:`:6ZXAKQ^31%\*$,.D()F([8-FMOFX8,7F62E(8\3`IM(,D-";%:G.[[(?M M[\PD=C^F@43]5K+#`:5MC,4VRGK4",F39/'=LGC MQ'K67!Q-YI*O:[NL->&`'VZL_V=PR M;<'VN21J=B^/-LN39O"\N-\N6)Q>[.*K-OVI8_M:KH6$I]?64BO7;.FT&^0] MKZB[X*Y44-EHIE-'QA("5RQ)BB0.AQD7RUBNH(]EFE1%G2Q;Z^.FJWK!LA1J MA+=N;+1>H?!H%_V*V)N.DZU8@WX2NA)A+!%OT^1IDT(A9[7-*Z//RV2V(_HY M+@SOSG+P0Y!V4#RT<2,/&GF'1I9V;=S6S3%9C7O\?Q5V=\PAW3+#"^I_2?TO M.];=H(K^EY?6-^I^*8*,4M\T`>A!?0+EGI1(3:26;U*RXEU>^`5SG*IR3JG[ MI>@0MI^Z7D#*;NEW+SE[I?ELE?ZV[#1IJ.NE]VO_OEX+A.@-3] MJ7M&%K% M19YR#GDP&UOQ38BI$+1IC4A\GS(^1+L)): M:GPILOF2IQ>./$HO#R;/B_>A M9IT"3##^IW2?TN.];/H(I^EU=SC['M M'2\'W:5RYQI?4:\T`>A!O0'EGI1(3:26;U*RXEU>^`5SG*IR3ZGCI>@0MIXZ4P#/[^.^IYV4&(6E=AZGE9)HVMNVT::3KJ>=GYGI>#?LFFCP=A M(B[^SXN=?$O2\[+8Y8Q-]+PL,'MI[`?U=7[L!OK%CMNI\V5EJ>1[,]='`RJ7 M)4QJE"]YVN*,6^I@0ITO=_24J;3PAG2>,-GH%RD/*H.3Z;_4N=:7Y(*)AXD\ M"\OS(ZR88/6UE7;$$-OQZE[G2WG:D\ECO>3!1*+N=UJEC31$]L"ZW@%3EVA7 M[/FT^!:,8,M_7R(;H,N#2[]:VRRV7]:A%IA3>6Y2Z'ZSLCQ/;,=]>T)S0QZY M.F)-[*@KUJG6EUJEG?V$TWO"A'8J1(R*J07F/D]7GI5/'FV6ITURL9Q`$;W< MEEKR4@/,AIK#Z<46'.I'6"**I7:$W+H7.K0D@=OL2E=1P]J3$CF]_J:KU`)3 MM'9PFCK1R]F:$^^G]WQ:60?1$^J`.:RL;>@IRIPVI!:8I6S>M-B9:ATM,)?) M;-0`L[=)Q&6&*]0(DQIA=JS)016-,"^M;RD"43_,]#-OC)E^Q`Z9Z:=^3TT_ M4,],ZK9V4MW6VIJ4N@L2J>6;]&A2?_]=I_$F.]XV/3JW]`OF.E7ERU+73-$A M:IV_U#53=@Y3UTS)&4P],^7F+_7,+)/YUMTVCS0=]FL&9,'BF31_7EP:3[?6>H9:;`QDN3Q\.71^U6M0XR:3UALKZ6%/=6!%M+.N=O=;Q7ICRNNCQ:+,\MG-0K MLSD_BGIE'M5&KD^M"X^GWO-B/>"IWS??Q-Z'JQD%\[L=]V[3Y@9YSWKI>=XI.3-_;Z.)AYA93XPFY_ M>O8F^OMZ]/'==4^[_M5PKO6>-KSJ]:ZC?ZX^7?=[U[^&&]\_^YF3EG>\C*E[ M,BTNJ:^E^(T(M%YYZ'?WJAQVE\B=:U@E=8^S#\[,NK=FH6';CZ+31&I&O('U MAIF!=<^($;F3GF`W2S*5(FGHNWO##M&'3J$$!U-TZA!+A*,.F4\RGUWPU*L* MAZIP4Q=+P_*PPD$&7V=:`\G M3\V#-IP2+EU9(;K1MT<>Y2!,Q%THNM?/2AYIDJE[I3RM=U/=Z'J3I+X\\C70 MY(DW!H-*^W0(L8QTJ/>.+H^G/I&G'8>FM:,4]:X@G6KN(H]C)5%;B.X4\&]1 M`3'[AD@C'Q)=#Z-W:`78WZTBZQN=7%N*BHK6%X=Y:#'X*T%/C0"F1NNGBI,4O+C[>5)2=^5(__K\(R94XZ>U^VY3+#'BKF MIF)N(7.?J9A;IA(;J>2:D:D4QEJQI*E:/!GB^E2=#N6Y%K2OJ\,Q56M3 M?GA),1JI8XD:&%2/CGCK!=6F-HN)IFI#>5++*\=&B&6#:K?;E*C>2)YV/I5C MT^H"0I9$9U).PUTJ,`[VDN1)WP' MQ[Y8[T;!L9GT96PM157>;8F3+D\07SDV5.L=+\C2B(BF3JO=_&P=FPZM!E3Q MO;/PMOX;NB6FG:J/"YW1$/TVZ3>IO^,`U7VO<[2F^Z/54;&]#2IKO]>^H#ISJP(5/FZZB#OPM,]GB!J*+%19] M;;T6?-!=0G>N0D?J:CJJ!1>$$50+OF=2*F8D4]FJAE+A,;&DNRPA\RF^^13, M4Z\J)*)28>$A(@83@ZD6G"[V/NJ;:4)X<\XIQ$6^%H"K8 MA@5*GAMF6[K!F.K#)=4,B@VL)\(9:1#I5^ M2W3C?;&*(*%1T7H=JO,[+A`773'D<:RDZGS2J;6B(_7>\HBZ+H]?5"TJ5.G= M8K5ML8T2*E7><(6*'5@2]=:HUX#L49GW.C_K*;$=%MN_H`KE#450AQ,J\2YW MO7>Q7254A$);["0T0,)@93#3?=YWWLN^+G&!!* MHF0*[4F?D[XJNW`_9*I]8G: MT^2Y!:;?4T?#=@J,J$I;GE39_D35)$J7K1X=\=8+JDAM%I.!VNO+T\J@6Y:K1@7018/JMD6!I4^!%4CB?PM71U7V\-+B.6D0Y7;(WET M8P@1K3R.UE`=:S)&(E2^W(RKGWT+R]6`]_# ME%^8R:Q[?-6_PG]?`6RO;=?\^O/WW_V8C'-ISMDLM-FGVTOFW5OXW@6,$_@7 MP07N<5K_L-F?AAVF;^.I`:+YA=W^].Q-]/?UZ..[ZYYV_:OA7.L];7C5ZUU' M_UQ]NN[WKG\--[Y_]C.G&R_`YN3ZZ5F4,/HLDW9S&O78$:"K4FQI2K.EKAD" M@69*OZ>*3@]B0MOTH/JAJB!JO?H`5S`9""D>1"*P]C2[8>QUQ??[ZAD^E!^M MT>F:/B=*'%1MNLKA?FW8_()%(U!NV)WE.'A"Y-XJC\SP5/!+@QWB)UQR?J8\ M83(IMO%7KCQ!O-Q\39T.BVU7U)*:7^?1_\I14'HIR91YL.!D])9-^6S/$%.S=\KAW1-_\'T7`8%L_> M>XI#LV:HR$G;G[RE!\H09N]9/OYES@WG;E>YGVS''X5.N.GHJ&':-6UP=VQ$ M9YQ0YLS0_5PRSW)G^QQ0V;;WU4FQS`,Z']DDX+38/2QUG8X4/]7(/Q-YXRZ6 MMH6Z\1\KF']A=Z%M!*[W^"9R<+]@IKC'<\/]/V`-\EX;SE=^\L(?A$7';_K8 M)#W;>!&=,!S0JC=[;'+H64N!E!AUH5L.&CY5B+<)'"&+CI MWZ]9^O=_P(P)3;0R)U]D6TGA3TSA!2>'U#QXD]FP7L')/7JA*406EBQLAR=M M2KNQF_,*OEC51:>-U`SY[+F+99#AB>MYT;4%0E-(X[*S)$[3-WQOX.#?,Q1>)SZ"U=/V[MT7'RB@=1^PSG_8XR[$Y.B#O,<%J: MNBC,%22N7BS8NJ:[$S.V\ZC:06;@W M3L`W,1M*,7S%O4UQ2&HV%N(H!4&$EF,&3;/.*71*0Q*U9U(=JKUA)E6AW*ATI MW#FTF)Y/C[M7:`7+?W52!K2>VAL6RV`7K'"UM`RL*E@'Y[V2UVL=(@,"5N[J MZK#&6[4Z)0/#&F2@U4+3G?'*^B(',>5B@46H_#:`)TN>9_E?E0>&E&.S'0M? MBPY+\15-:/]+&YP/BS>&S3-"+2(Q5L=#>9I3`T>*UQ$+QA%-4_5B5DYHEHRJ M88F`84E>(+)&J$[:9WFN<9#"/D,$T._+<^O,J*`#)R1+^NIX(L^:.:F&)0*[ MT=B8.K*_-X8/QE<.8SU6M:D\E^)JP_-Q<3-'EJ$#EJ%=EHQ5O2^/-ZWU&K;6 M92_=V6F91:4R'1812H02H23FP6MC63)*"NU;9K+%#?.4OL9390:4*D,H$4J$ MTBFCU/D]Z?UI,BWR3!^J_8D\D=OT?-K]8+JGZA+=\UPTHT1(ENCJ1"N4(20T M2XHF>'1O,UJN\T*9++36/Q]V?@MZK`Z.V$<7E2526&A-U35YLI[^_^U]VW+; M2)+V?4?T.^#WS.YV1U`R3@1`][0C),ON48=M:2WU=,R5`B*+$MH@P`%`V=JG M_ZL`G@42IP*0*.3LQHS%`UCY?5F965E969QV<,'&SO%FH1CFV1P,#8%V"/73 M8F6P((V!/A@-Q>%$B!U":V",Q%G4U+)#>+RG/<>N].EM[]_;`;N'++PFP%N_3&_JR(MH&%$MZ(6B42MD]OUOEWU[+.Q?\=+ M?(DL%_[L_D'ZL#*WV19K`%/J:ML4W.53L]`.!@_0&ZZQB3_U?CHEXXB5ID]8ZM]Y M(E)(QHO`B1P28FB`(@$1J=W00$D/#.*GW41LB\R?1^O[)0JL,*I9S@,+JX(\ M%GET99Y3H2WOC;H.HJ97NTV]2?1XCR9'6-3&`.M;@2\WUW$-CB+!%0GH&GQO MU2W-W47(B@07,]9^Q/?H,,*"#CCYK7H7+_6L5S@NOZLN!'G`]^,/&0#60<]V MA3==8^L5'3$<-%M11D[+Y4+&:5-"E_P]KU!(-K.#!\=C?T2;TJV\%6.Q)8Q+ MP\BF7.Q0&=DJ>)#C_W`L*TN!;K[%!1;>8>%=Q[8#>13>W3C?L>P.@HYB+9C8 M/XI08]D=EMUUT),`*M[!LCN!R<6R.X')Q;([++OK1WY<0)&`IORQ["ZU[$X9 MR+I6RXBQ\&ZG\&XTT(=<@<;"NQR%=\JI7NB*$2R\ZZK;09&Z(!(6WD&K&T'EC4I M(Y\%E:J\,^3! M4.<*-%;>Y:B\DT^5QLL=L?(.W2B*!#$RP,J[/E3>_?A#"S`J`]FLUKL(J^^P M^JXK9AQ%ZH)(0)?A>PMOK+WCLP*ONA9L`+VZ"^\,96`H/<&R'DUDSSF0%=_, MW8U@DBRM%M@%]Y>Q;`_+]K!L#S<3093M8<\\P0NUBVUX_DNH`B`=TOP+*]U+(]33=K&2_6[>W4[2D# M2[9X#A[K]G+5[>EX56W'0X,??^BM)Q50)*S^K`,GFLLCN`95V7U7)9,!V//_QC M]8@/MA/\RW87Y"P,211^(G:X",CDROO"5L8!?29[5+C^+K,]3+XO9/KKJW?) MO^^,3^_O9.7N=]N[8P4^M[)\E_S_[=6=)M_]OMA[_=7;&#"LC\/ZN([MVBEZ M]=&S8KB-!)H\V/R!Y7%82,1K=_@C>2+N9H0*=%SZ1(8*'9<^D:%!QT5H,F[] MR'9!@]$YMP8L+`!4,77IS1<1EL,AN;"AA#)KW(DHUOI.3%^-OK)!YNN*%(*%)=/]OL'F(.$Z`8I^K*E%UZ M3R2,9H09O'6UFV0_V8X;)^"G/AVP[>*>/(J$(K5O(OC4N^8Q$O*I-F2O+G>I M3$M9U>U^(:'#ONG8KC3S@^C!?B`G;*ADLF5#CL##JS2]:GW_ZOOZ^C##2;7? MSR4'7.E593!2B_5HK09!L9+YBO7PQR!0JBE`,3G@2E]!`;A6]3<5""UM7/S` MF_,S:>[392LL?U-((4%[3F5@6(7*>T%+@[QT,)B)'WAU3[]LQR<4V&&?,+(C MMN+Q)G3ZNTX\#BE0$<` MO_GTYSR6"CD)YW3B^P$[G<`2VO/`"8E$_K-PHN?C2QQ4.QX>22E4?PQ:%F2E M.U'"=E[T"YD0,HM3H&-_-O,]^F1__!46)>(HESB2_*0.-*O0&CK^VL^"2E&[ MQ\^]V_G9]P+<\$214*0>[F9LN_8/-+`?NWY(H_N`T,4^B5,`L(@1QQ^*(XDV M4$8CE*8S:_OM.?^.'?"C*WGZR,-<+?_:5FJP$[O/CGL'&V"!DY\E"1#$D/5498G>![MP!6:$/5&/?![AD M8-^'E!]-KX?"S@^BSPWL_(`1&)X?%V!$2"Z2B^1V<42MDXN='W)U4L<^#B@2 MB@2GK(EK+_AD(W.$_1KZH60H4A=$:KK48;^H6=UIS3#"U@R9OY]+#KC2J^I@ M6/!6`6S-(%1KAO(*`*\U0ZHYB[^+71AJED096)HJC#3("^P0)?XN\(8+O5&Q MT<`8X<%J>))PYP6*,\>&"D`D461T^?`DX/O1.$EB2](HM;WX&A)D+W M!#Y2U.')V;^Q%P**A"+U9J<@_BZV/4!)RDBB#8RA@=)`7VQCAP.4A,/LD`5* M%7"7!HXSQV8&*$E)20Q='&_.698#S0S^\7H1GCS8]OP-*TB.RY#/PI!$X2=B MAPOJ7J^\=0GNN1TZX2W]X7/7'W]]^^,/_WCQW:1D/7G"_RYL+W)H(.X\T=?9 MW\G*W>^V=\?NA;^5Y;OD_V^O M[C3Y[O?%WNNOWL;@X`G[1D[8IVC@JD(^UD&WO6-Z4FI!?*.CJGJPH/!@TPX2 MK/^TH_AS@?2:?91.G*WW-'FP_2:;4:*0`'-4952C\`"9`L1V=C/26S)^])S_ ME#E@TF,@__#\>Q:!QIYR/=C8P2&.!0;XQ?8>E7/'@/U2^P.HY&)^O07H>U-PI\%000'@`/HPP`XF]2_%F'D3)_K6CNO'__"8%7ZJ6IC$?KQ32?^ MEHM8S5C7_Q=)^&TMZ$$=9QF:JP<4;$()XSB/IH[6#SILCEB2(_G0A1..J6Y$ M9"*-[?!1FKK^MYBN'+VX.Q*SBVP.[C4OOC.WN[,CQZHV-M$/?:>L):%QWU7J"69L[:,4=QRZ: M1S#D_T1P&V#'?^C''^#"UGG>40#<$.KR(K4)X:"0LW3X2 MUJG"F=DL8)[:3B`]L0T#R??6':Y?K'\D)Y0FA`YXYGCT6]$C-7@/CY*]";@E MV[/=YY!^;DX"!B;]F!W13Y+XJ#R5]XFX<8]*^I%[FS7-\+WX;?_^+S)FQ_7H MYZ/`N5^P9I;^-'YO3@Q,Z7X-GR0[#Q6R>=,EO$RPEY7TS4'43@TF!4IR'UK"9D8(1F MX^!>/5AP\`9/L2TN6+C@C:A:$1`'ZU'N:#T\(.&-"`*UO&JTT$E`]*,-^H&] M.]H=+WYG60P8%Q9N_5WTQE"DBS==[^P@>*:S&#H>0I.PFA:0L1":`)P%`$@` M/PLZ%V@`"]3XG6BH//A_.B2P@_'CLPAHPAM1Z_R>Q?LX(D`);T2MDUMTU0`6 M27@C:IU;G+@"D]OQB=MPDZ'X4Q\[)+1)]NE_J:58S$5SS]LG8\YXGTVATOB]+BD M9+F^(U?XP>BUQO%L/7EY8_L?7L$5/ZD&45[H3,_=")@'G>_)9;S;MHZ5;LH0Q474%I M0$JC#Q0+I0$;X";+=#)A-_M)4_I[(.CJ'18%:.XT=6"I`MT4*I@X-`HR312G M&T'=/_T9D3ZRXZ'GMO>5/L8??X5%`-H[ZG0-"Z6!*HTY0FF`AW?,P(72(W$G M&-0!53UM,#0$BAJ$DD89F#)*`SN@2TQ<0,;$B7LW#R2/X%8$--4SS8$U%"=> M8/+H1J%M/=CR6#0"2NDEU5UYM(&JB!C1G8W'P2)N5!21@(31EN6#10$:O9%1 MJ+]KNP0_7L>\=-]YXQ=,?*!**A"*!"-$.!&07285O=^,O09>8 MJBH/+$.OIJK*8&2*4^.B*L.!,A(RKS9Y8NVW0VD:^#/6'SKP MOY$@C+=-(_L[JX^+&X>'BX!]#A8M:`CITDT5:B$JEC2:0"Z*MS0@,FXOMA7F M]C/N*<#3/H%B/8%$400J$FFG0J3>X.X+F1`RB\\VC/W9S/>D;M?["KJ;H`XT M2Z"UGV#2#$5:E_.6YL"E:RGW167<]+1].]3G!;O9XVKZA;`[KM@S;\@#NP\V MY',?E+3PG.01R^>^DB9D[,QL-_SUU>7G#Z_>*AL!#@^&#?D;F<[?;/<%N)HN M:J[1S M"]E'$H92]&A[DN\1Z9G8P3$14D>R/4O.5N<6/_C!C;W#2>OUG<3YPG)V17+>:!9Z2;NJCPA+_Y MU!Y[S'F>W,PI('Y`)N]9YF4>."$)][^5!R\&5NMHE?-L:794-8V."=2\':5A MC:`0%;*C!@A#40<,7.RH+$-P,[7``\N.QB'LX<_3E5X8_N$%A"XKZ;=^LQWO M;#Q>S!8NNV3YTKOTGD@8'5[=<0]532N6E-^P08+0M%E>NBU$M;@E-Q`YSL9? M':(VUNXQ#+6S&'.+UU5SU`<0FG8F0Q-1[9TS@;J24+3N!HR=67X`",H_TK]: M79FH:AFS=VS8($%HVIDHHS*!BKBP%O$F9:(;<9'CLC0IXZ`%AI2/,_D>.F\\ MQ_WU510LR*O7S6'";R6A=-?X`UY)*.808[\LB_B1UT?K/*TD8Y=U_RHE`&T[,IY9$^[/8Q\!MWSR+?'$@%K5AWGKP$H@4AIJY7QX$>`;&G895,[4*D=HQ-'@&Q)V&6-5S5_P71*-R(-QM7&6] M`J[YP)SZ09BU]\A2,THJ@%IR..AL'J3DR]?PY=T85(9:NKBY!UF#B+OGGZJ* M:)H'C'R;(NZR6'49YL*U^R4*76Y[%CJ[:/MW7XC[A/Y1#_]F"\\*+(??.E1"S"S MV>^=/[^C`<"#'SPGD<)RI,]Q>'!+9G,_L`/'?;ZDHR"2)"!HO033,O#GY M2@`CASQV*1'!.@H?]5'>(U0X!7(2F!$%*[G/]'49\2+KRNXYCM7A$^2PFV9/ M54`C(`T6$?8C47E;9.6NHYCJ(5Q/J MR'>-(3<"VYQ+RE4SCI.HG:`]7T5_K]B!&1QR`\E7K@,SVN%U;$<>&GFK4RHAC"16K:;DE^Y"HEKQ M<(J%!#:Z8%#4T:@/Q@UF5,C)0UF6RFM_&#ELP^Z-E+QEQ<@?%[,W,C/*X#DB M7G%%L%H)K)[=M815\Z?L%1X+L9*P(^'UA/9<%M?(:2>\(9]].B2[IBT&&>GI M1F3*RZ'F:SR"A+=.>',]P9#L=M8MBI&K-V6-]%1?,,%+D35N40U5YU7-S'EQ MWV%R6MHI0`+XNA\39P:G.#WNXMA9*&&&6-QB:IG;D2XDAVLK"C7W74V])R8K M$:M:O$KI>2;4NY:.:;Y'.9<$>G-+/F$);3Q!CIR!\$%\63D MK=M*&6,MPO&[`T0UE;S=G?,*-]UOO'7II:M'^+\+^B(U%N'BX!\ M7C#]O)JN/Y7>1:P2S:LYL@W'Y>SB;^0OO:-/U(@$I-5_L<>%GG_JVU>]_ M<#S;&]/?V@SA_'GS;^8M8T,"O_/_T92985&^7/O*UAKV$WTE"9AJLY M#?!8"T@ZGEL2S.+?:M04#4W%0E8!>9:SA\`9+]QH$93T+9:B(J.<&:4RA5&P M&,?'RAN?H[JL#9%16(Q6C.A'>V>FD%$0OK2J\35-!==I^[S:[F4\UQB(UR2( MF+#T]2+)97_VO7GR!OVIE-_,UUI"P2G%>4J=+2)_YM\[[E8@DWD)5U<7 M"?S\"M7T8"OR:WK%;*A[]7#M/9/\/4,58`EBNJ-D<590@IIX", M5H_H%=F`M$H6@E((Z3_#4M'XMI3^LX8J0M]Z^F_4V=230.D_J]9RF=4UEI?> MF"XCX>;`,P+EG&'RKK1\\8&<>-'D?$IT&)]<$^K=@GZY!SLIK>:/=6/OANHB MU""E`#/(+^I'^\UH5FBH&+*)<`'((JOJ2$$B("Y]*U:1#HT1\@K*PU3.))N6 MCCX&7.:1PJTS![D30K%U"T+5FI;B`E0ICY4L5!O M0:Y"*E:(&D-8F3TA>&VY1E0V8*TKA>`46)4H<@J`4]YUHD@J$*?*O5(4F>UX M:@\&@"U4?&K=C0\%2NVI#2Z#K^TPNN!W>0_8V=!F:D\9[9T1+L(,,@HALU?5 MZ8`G):/K\4A'#0:0FM.')B:V'9O_=\"PBY-NGVTO9%<4&$, M"Q4&EL)D!=_U>QV,&KM-H">$(T^ M`'"Z%B-Y9!I-.3*-MKS[O`/8#$"JNT\U6O/>4(WFO.&*P*9S*LJHQ.%?S*DT M2FRI353<98=.*X>-3W6(&5'N-#=1(=RTF<>BF][I"4;I?6*;1Q4-%M&`U!IX M&[%8Y=M#34%_TB^^,?73<+N&QM<$:,2!TUHJ\5.B[Q#2VBBM'&)U)+F6;9B] M9C`-&V05NR[`9K6T/496`;.*@6Y>IFK=B-05-']E6W MV9U74TQ8!:_(:+5NFB,5^A3L-`!K[6K`"-B%H M;;6QKV'!VF@5@E$!&_LB+V4BR3=086!H#[8`JIO%ZI"%PMHV19FAG4I%T$'FQQM<="JS3 MQZ@C/3E,BD3#.T6ZMVMIZ&@:H"5[VU\_H&WH/-/H!?K"-"X%`/,.8!,"J>X^ MU6C->T,UFO.&ZPF;;T4`JV$D$LMI[Q9Y!<\KAY0)L':O0K`,O`$H!MI]8KM< M)QK<8^F=HO#H"XR5&2"U!L(F+KH30?C&Y$V_^,8,3L.M'IK.X&`5/W1:T>1" M9H=#X*SA'*QE5P2[]"*K:%<[R0V/.^_P*-%QCFLU?J:,'62XP%\J@VN-$'TN MZ/,XU&@-<9?M)1D-=>E%\.L$'Q/'(E&"`3$X2M#_`%WM%._2JW>WZ5MM"\3& M&ULVF&FCML$>CP,Z?Q.#(7SCZC;;]1I6B9*5?8:08E#]>ZO&&=UAIXXV^ZC< M]??G50:>M.'0\A$YQL0/$M2=Q(\0#(F?^!&"IN*)GS*'M\!ZH`YG?JH? M_JC,RDYI'I7O)G)<]XP]DGY1^)QILYFDJI8-N>I,1JBC5"$,3:=Y$.&V(U0T M#9VQXLTO)OI-5M=R*,A6IQ(J_::KF]F5?G.6)]72"80[G#1I#5\ADH4]R7@@ M5YV)O6`5Q/04ACYD/(1`N%<9#R$8ZTO&0PBR>I/Q0+8PGNVB[T*#B!F/OI6) M',$W_M'-]S^32/@<7*.KXKVZ*=D8[A9HO\2_J^QD-(*R%%465')`WJV:>@Y- MQ4*.((7W^]W4]@HOD1\0$>(N2Z:IZ,A2:Q[X[I("%GBV^RX@$RQ@DNN,HXY1 M"E0J+_S%?31=N+@0;3^8Y.,),>B$S6,>7XCS#A!?6(.M(VJ_;4H5G?/(9U?&W/V)O: MJ#YC+X1>ME^U9UA:?94J0G#4;M6>H@QQ#@%8`F3-(K6^;6XA6.I`U9XFZSK. M-:@L%E]`*;IJ(IU0Z2RVR#-EM*]0J<2%*)Q@DH\GQ*`3-H^-;NT@7QVJVD.R MT)UU;.W=C$LS#!7S7,"Y++'$PU4!=$Z+K?.4$3(*G%'TC]!RTYP\I%EC12VR MV6!5WUY:N[Z>,?JK^AK`B[^.*^:64*&P%SK?J3ZZOZ M@PQ3:;-S.9O;#GUBRMC^=*+'S_X7XMH1F9RYKO^-?H+\X=$O3*X#AWYZ;KOG MMLM>!5PM"6`CK7!+USU#:2@[2LV)LX;50(@0HU4U&,%3@Y<0HB6`;`E>RML@ M_6@!VK8`G.D_>Z(+KH>\6O#AW^_O9.7N=]M#$U!>!X9[)4_\2&M0%8Q/VZJ` MYJ"L.=`AJD*\4*$/NO3&_HR<)3?!?R+1HS]!NU";,NP5M?)DK5%M0-/`0QL4 M#8(V8.Z@=46P5+6()G!?,J(*M'W25#6T0JX!5:`>%'>Z89"1AQY@[NK M6/$P;I_T@%^M<.-7(NV%8$;'6<-T7=7U>>=C+U2!JK'77H4#JD!'8B^M4*8= M>1,U]AKB_`6@!WDN_-SOVM`?VH0)F6%%S#GWLD1:ZW8X4UEI$PNI[W*&$JGO M5F82^>IZ5%PM(]D1_H4)JZIE(EMD2XBU2X?Y#P*]-62UZ5W`.QP2GLV, MN"%_,DYXI#J0$$4.NA*0:[ES)\`X%29J4R`Q(,0RI]4-7AG9!,2F2/$9Z/O. M+`N1:CL^`^7+A>"@_?A,S9TP14Y;3X("HT"8$+EN`M+RH=CVI87@6B M#-6@2U&W:HQ0#8"H08DD8:%V/ZQ_?F&K9``U$"B M&@!1@ZJ1$ZH!%#5HNC82N>MVY+17RE6H_RGJ0B?3A8)0)TPH#2Z2WFU0^BY&$">-VL#CD&FEY`DJ0SL1&[^MPSXCC8$5JD2)#&:G)E^'0]AR M.'?M4H*,O6K9S&TC*O6[[%H?V8RDI)%_@[`2;#GW"033M-*)^V)PB:)AI>'J M7#5>AHH5Z,A0=8NHJ6O\-B5>@ZF6O-*OS+O5_)(ZKN9`2=<=P@=](H M-X#K,/B#'P>65("/Q`YIY!V&)/PS<")R-9V&J7AI"5YG\R!%X]9X=2&[W^K> M[0ZG.?E`"EM-WQU9%76UR$@#O@0C#>88%XT5Q`,MY@8GEQ^!`D"X&$ M0,M"B,.(4%D(<6@!4PS1IRQ$K:$I@^2)!,]7TW-[8`9.:)!`6CE&POG>T=+T_F(O]A,F0*/EKB&MG09R33R)E2I`5L2(U`'QF%!0` M<@P`P&HOR8)*"S2*A95D$8<;H9(LXM#2D:(/Y`4#71C$B)@I$8>=XIF2_+T, MX05BPF1*X.XY=KDL2J1,";(",-P"0$J&75'1KD!(=P!*A(M#@WC9#G&X$2K; M(0XM8F4[D!<,5CO@8]"!A/8Q40*` ME(R60F#3X%W6X!)7I@!*A(O#@WB9$G&X$2I3(@XM8F5*D!>@F1)QB!$Q4R(. M.\4S)5T.Q(3)E&B\,B5I,FX][%U`)DZ4]"JY]";.DS-9V*[[_/[)=A(XU`P@F@$G(X;$=35GALQU-JN& MU'4[[X;\-=F[%R;:PB3@%/%BQ+2$:>?RV6TFZ"P9=4(XG<#\'"R=R-BG*J])(=E0)V4%'5AVBX3`.H&<53JVJ?EPW"9%;99!2+1B%V.EI- MK>JBS6Q4B6H1OJZ+MNR#7%"I&",#X88W`8NG5O7R[2.02-BKH&H&M7S)-.H% M4`];/;5:NL06=0)N&JV=.DTDKO7\IVA)<2&4`D3^$Q,N`#6C1/Y3[S&/PN0_ MS?96:-FUJ<+O.K3:VU&U,O.A(N5S-@ MV=5`R#-F?D3G1^3,#Q($/?,C!$/B9WZ$H*F&UG8="A"$R1W5GSK"L\JMIHZ& M0VV4663)V3G@7G.F9I?#M\R+$*GH5M-KNF9EGCE"DKN=7AN-AIG' M\GK-<89_,JF#@KX:$&*2E"G/&F9?IX#4P`CA*Y[-,[,O'T>FNYY>,\SLWI?( M2A(FOEADQGUD=BAR3WIAKNOIR^)E#XRL,-S8436]$ MF+/)Q&'Q9+I4'_Z];5^J$J3L77I:<(2\A2MJ/+.TKUG95KZD&>H,LX1T6T/D M+Q]?]A3=X"?@#0F>'.8)S\*01&?1V8RZ.>?_R"3V5(W80L6R=@4Z/B8^H^=G M_*R]/>0&1D]UZ6P>I&"_'GUN[$?RJ(719\QT+??HAVHMHR]BC"M3()L%9$BU MPOR$J3P;C"*$E!$F^8M%T)[2!#M#N8A`VZ.K3ZC*+)F%5*Z<4/^*UXST.^NV MRK70=>3\80WC*XY\ROCB]>`?'EU'3ZX#AZY#Y[9[;KL'A\!]\:&I\K(;]I&A M5!@I-^>JJ>IHI.89Z8KS]^$X\+]=D+D?.KP*JS**'#1]=S;M#*'4V+CAIVI[ M)>,'Q[:>*Q\=^]YQG>CY+/I@.\'*`BRXE:EEC'AH6NFVZ?#`.,K!#WG#.!#4 M'IQ+2#Y1__)*X;?B`3ELDZM[VON8JNAMI> MN4+ZF*M)521OSD2].+BO5%_*?A1/$N>SE*V<3^I(]?H;$HB*K>V>ZBDI3 M%Q)-,T]7UWLMDNI#XM8_)VR,RY=9K`A**51+*0)%BCBU8=&X6M!(0:\;BUO_ M+/D[7D'PVAHH+O_^UI+&MI;DT2A+^+WQ`&R?-`7)_QZ;H=DLOP* M*W#TO:0:'9+'W83@>4=?1-)N!*.FN2P?K2Y6&7"@QV3Q7:AEX#D0G>5]S*W/ MWOV3L`4\J_\`94#BV$71ATI^6-+DX3.90".5A+7ZD,?TX@5AJCT'CZ%1`L.< MDJ8X^?VG0UHS'TR'[0^ZHEQM>./4!%$)N;J1$C/UO:V!PM+4!D7S.3%-:PX+ MZ%DQ15524\,%Y*D/C<950S.MU+P87S2*^L!&%[9)Q*4-K4P02CHXT!'`5KQ9 MC_3\HDL0>;-JXC6*5PN)#Z,]O#B$WBTH6'[`^`7<75VL)(AEF^D*B$%*0E%`=XI+#5$9YQ]V-)86BCX:I$N6+F[NU9G@1&%:1%?J:P#)&PV/"9D2] M'8OY3563JTL+VKDNHUI3?R%D3@\`VA$FT@U-JZQTG8[)7TI=/J84(>:N$8]. MQM1*(HFB[K!6JK4X7 M36-G(4&(5N'8S@'11OI0XR#:I3<.".L?L=J$2[YR%D6!<[^(XM8>?OQ:O`"^ MMI_C;A1!8'L/\??2+1'O"UXC` M`1-RX;@+^NH+2]*0WU7H_V6:N4-CY"T>?]^K6F:V[VU*O!K\K[ZMKZ#8X^*# M+5GE(MX9#<`G['/.$[DAXT7@L!X9[[^/W<6$KK("?T8G^)Q.:780[&KZW@X\ M^H3PF@3Q8X\<).3NA8;6<,L-<1EX&TAPH'\DUPG$^C#F9Q+%2Z3U04UN]S.L M?N'\^1.QPT7B2SX$=.%&O'&R'%Q_9NL3K*?+(@CH\%?MRS8/6O_SGPZ=!,'X M\9G5);N[S[KT*!!A_(:R?,0-ZXC&'KYLGW83^>.ORX9I$T)F20NXV,>Q=XK? M_=LK-#_9?_D!Z\A'D;P@]]&9-TEJZS::N=_5='7Z]-P>?Z7&:OTY1)H+TC?W M]K7ONP@G'SC_N(D-!FLS=>U3,)RQ[=XL[MD-QR%KX((P\X$Y_,VGP8S'QG%R M,Z?`^@&9O*<8!//`":E_V_N62+A_]KV@/>@_4*3'KD^7;9N.H8@N+W0W#3DO MR)QXS`<$?+F`<)>0D3&RD!!>A/`)'5]TH1&+(+Z^N2A'&&/6B2[& MF(UY78PQ\P&K\8,Q'=9,'3!)L:^8\!PNPQJF`AO M"U',8I=!#5/07-'$_'$Y=X]Q;(,@8A#*&5",(.O:N(-985OHOFL`:,*N5^XJ MFMU+BXN.=,-I<='A!)(6%QYFH&GQ1G#O;;UR#]`%4DO2`Z1;JR7IFFUNJUY9 M&:G-);Y%)Z50IM?8:UR/P+=/7*HB.-B5D1ZY6%AQD3LYVK5U9&(['\HP#URHHN6,S2R7IE M51>+A$;JE84/MS$1WHEZ9>&SV)B";@5-S!\#K5?N0QR+06A+@&($V=5ZY>3: MF?4(+IR061-'SZ%PQI*P'V5]G]G%DN'C!]?_%KX$ ML`<+JKWR_5S4<.6RR"1!+HN8ML)FG*Q$]Q5AD$<2.U:.-^)'6?5+4Y4F^:_D>G6=Q()-T.Z7MR[SGA+ MEC#TQTY,&)^9_X7=6!4C],GQG-EBML2U]WIQ]%Y.Y71H_N-U:>I@\6Y_1]YS M\JZ=:D-0O!>V]SC?A9CO57C'^=[D?'\1%B3?7P'\A089Z,E;8EA/+F$?IB6, M7]+4%ILX7XNP.5*'M;.)7E>DN8F^%.+<3'.Z>_?`KI?FZ#_KS9!HYJ?T*.@` M(6WSA[-RCS]UV#R!Z"2[/0'1+0*<@'':^=9/?@H7CFUNQR/]'_8G(GTNV^OL3F["$@,?;Q9S9_>9-KU_:NIG0DU.6S M\P"?2/!`@N77SA>AXY$P/!M3($.'*4?R(]'O]HR$'\B$U1C?V$]4.G;`@!47 M;V6<-Q&'?+%$+@V3[73)=9+&7A6"7H;APO;&)-G@YJ'^&2SKNZ=&C@UG,V<= MC[[HV.ZE%T;!(O["GT[T>#6=GMLN^_S-(R'1%R?\>DN'?.[2)_&1Y>U_N]$O M2\HO$'G="E=L+IWXP>R-YOD>6KSIQ.?@;29Y__T6: MV<&#X[$_HN2%J<_>4]C?_Q,YE&/)(]^DP)_9WO\,I/B5`:LR<*:_2-\>G8B< MA'-[3-@O!!3&7R271!$)XE^;.Y[3U+3BC9TMP.Z"(V\J7I6@F=+27\QI30ITIXOU3",%;"@"HA_9P4 MT<40BH4T?Z;#34B1,:IK6@I/O8R8A_3P3 MSIXE54]D[#]XSO^1R0J;,3MRY3H3FY4X+B&48@A/43EQYI:&Q"UM9M$=(?8(\):?"W0F9.)^.8AM8, MG9G]-3F`L9&*#93^ZL19_IA_[SH/=E(R:M,O1=+$IU]F8/C>GDG<'@BJ+\[M M(N"\.S*SJ*;1"4V1H.]$MDNGASV?!SY="U.G0AWAWW5]8*G#6'?_KED#19$E M.Y)H^$TD31Y(+`:/W[P@XWB%LV%"4^*W]0&=?>& MB,?R`W1*/=I/S`U^I]^@WM4)DB>S((ZZM6#I,REZ,^K3DC)#UX[=#9MF,_M9 M8DDEAPYN51S/!B5-"3F5;IPX`J2RK&+''?]#OT-_D\-X@?$9F'K,4L7&5)?Q=PF50P6JB91\]K+2M-%Q(*&^-C- M^J9^-;/K=R4!RV+*`DX2-Q)VS=P&*'>TI%HM44 MT>7*A`4P]&,D[@`0ZP$-ML(XB*#&FOX[6MI5:@?83%BEYDHD8][^^$-:Q<[F M$"/]\OW>E\.S&';^=TF]'/_R2/]:J6_]]_$T?Q=CGNLLOZ4H!]JA%!(RM;") M&TR%CK#7`9.N4[?/!Z8=C4I)HX;7@?^!:?P7MIQ8I*?VM20?>#8/4I1GC8]KH+IWG6`.3-YR@'`WI=II"(WA7G*Z(0AWM3#'W(0+H3:T6H&P\!X= M7`A-V5+K@O`SB2X]&G:1CRS=(KA%W+^D-C_\V?TR@_EEO7-] M&7:5:J/ZT'_MJ(7@0!\9(6C^$G._A*6%J=;*H5D??]%=-0JX_W+#8:40/Z M%$+UCGX3V=]GWSRT8JZ3A;I8O_0BVWMPUA^^8CM@MX^V]YOO3[XYKHOT[_7! MM\S:R,\DHRXMB'_HL^^-M[4/F=]S]U9]5C^5@+K81GI3)[8A&_417"^C&\W9 M>N^C[SWN/-3KF[TDRSK?1&2^)5URMO-R>9;DTEL^G:Q+ M=I0^GK7,?S%&"L+G=O!@.][U(A@_VB'YC?Y[PV=2XX28EI@4.7#-2MJ38$SE MM1_(U?1??D2'NU+\]:SJM;5*[9*:L>6:`],,5G9-4,A.!],E91"?$J96[_." MC?)J&N\:+-_M]_P)8R2VB;K\_.'56],R,_9B2B"=P5W\T>O@4%>%ODR<8SMD MJIFU1;8!<7T8?C.K5I/H_/E]Z,_[K?@I]HGUDUS6K!_";%N%U_T'R.1BP1IG MT"\Y_B31^/>SN>L_$Q)_Z.J;1R5Z=.9,PG[#?L#>&.IHM-'KDLBF:/S5=-4L MY24T>WR,$^/.3@6MO)` M-V4JO/,#<*MO=C?`I]]9'V$_;6(XGX%K*>3@.6G+R,)^=5;2Y>UX5:M7D&`>&/;U9K3`]@JAJ*# MP;:KA:;IV%)HK2$8;+M:77H`6VNH656PI>C^OY,3:76OHW3#VDCXGG1RPH!W M'>_KF^GRO8_T#^E[_%)$_=6OKY+S_V3R:OEJX+/V"(]1-'_S^O6W;]].O]\' M[JD?/+Q695E[S=Y^S3[X:OUHUQ_O/)'^;4=^L'K@8\`D_]O.3:++MUS[GKCT M"_;]W<[;KU\,^RS8_0T[&*\>0O^9,>;E)UY/J9LZ63WQE>0'E+U?7RFG\NI1 MD;]].>;JU6G@SXX.LC``ZG$`U"X`D#;(G1%29?47-"(MHEB;L7V?N10=[X$J MJ'?RQ\T>8%MC?,L:&I`PBENQ3*0I775(K*4`B5L/^$'T0.?.\I9#UKDA8),J M3+H;).TC6)N'Q\!?/#PF+1.2*U`EV[/=YY!^;MFQB35]2=JHL4XPDLL:B2;- MR;9Z'<3MG.[_2MJXT,]'@7._B%M6)+T-YG1`4]]U?.DGYY2<#J08MN2FQOBQ M26N&@42B\>G/R]YG$[K""9XE>^ONS$6XZ:0QBTM/YZX])J?_>+U#R/)8>2&> M]B%6^1#X-NZ\*BG2RR&6FD7J<3.B-F9&#LZ1K1'NS"MU9^:5-B/J<3.B-F9& MC@"@%@*@E'IJ7-53Y:2=VG'MU-K73NV`=FI\M%,[KIU:^]JI'=!.;@!HQP'0 MV@=`JQ<`_3@`>OL`Z/4",#P.P+!]`(;U`F`%#) M"`@5`!&A4G-(J&3$A`J`H%"I.2I4,L)"!4!+@E-C5-"4S^>T-3;3VCJ!Q*:.A\%U8\G-/7V$YKZ@80F M-P".!J]Z^PE-_4!"DQL`1R-7O?V$IGX@H9D"P*Y5^$C_6)=D?EINFJYO/?P2 M;YD>/]ZHR2>_+[R3O9;;^:YH?+_CNJ8V\6'DO18B_%%I#W.( MRJHS9=6:Q'S9MHW]SU;KMK-H]3.Q3-U2759Q\%896<;NE02Y).4*#3P-8[4( M;Q5=,[5RT+QFGMEYP_Z;_OG_`5!+`P04````"`"(>@Y'(R2@EC(1```3"@$` M%0`<`'=E9G`M,C`Q-3`V,S!?8V%L+GAM;%54"0`#;S_.56\_SE5U>`L``00E M#@``!#D!``#M75MSV[82?N],_X..^UI95ISF-)FF'5FV4\_8D<=6VIZG#DQ" M$B8DH0*@'/77'P`B=27!I<0+1'OZT$0!%KO[+8$%=K'XY;=OOM>:8<8)#3Z> M=$_/3EHX<*A+@O''DR_#Z_;/)[_]^OUWO_RGW?[KXN&V=4F=T,>!:-W)-B." MW=8S$9/6U;_M*Y<(REI_+&BUNJ?GIV>G;UORC]>,N&C^8ZL7CD,N6MVW/[;> MG'5_:G6[']Z^_7#>;=W?M=IM-8I'@J]/B..6Y"K@'T\F0DP_=#K/S\^GWYZ8 M=TK9N//F[.R\$S<\6;3\\(V3C=;/YW';;N>ON]M'9X)]U"8!%RAP5KT4F:1^ MW??OWW?TO\JFG'S@NO\M=9#0>LKDJY7:0OVM'3=KJY_:W3?M\^[I-^Z>*!TP MZN$'/&KIX3^(^11_/.'$GWJ*;?W;A.'1QY-G/)JVE1[/WIV?J=X_]&G`J2=U M+;![@3PEZ>,$8\&_!"B4Z&#WI*6H?WFXV10:>QX?D4!V(,AS*)N>.M3OJ*8= M`,V.XMJ1'4-/J^=6\KC!/?XF<."JT1>_*L)%,J`MASH;8WH**\HV518-J0$9 M(?ZD40EY>XS0M*-4V<&>X/$O6KGMLVX$S@_1SW_W.)?#QY0]](0]/=[?6PTZ M%?/51WS2"USUOZM_0C)#GOQ.>4_T$6-S^3W_@;P0&]B&]=]&N\0 M?]R!>O-CB%IT>.C[FEI;`NK'_4>,^HF:C0>D^PC0HLS%3,YU2.3M7( MR#MI/6,RG@CY3]5CAYF0TZFDC_E@=(FGE!.1`SI(=YN1`XD?`??&)N"NL>0) M>==AX/)'ZKD&D'::6@S(KEB1\L]M4GYOAHA4M(>O*7N47_LC=D)&!,'&V3F] MD\6`F$2-H'EK$S21`?U.?7Q+47"!@J^/@CI?L[^/W2X6PY(N9@3*3S:!HECD M#]C!SJ\4@98L=@?7..K"D.W.+Y49AC?W/6#S( M!9))SQ>&&HB&[?#!%!'A^%^;<+P)!&:8BQ7C!L`2&EN,3))H$00_VP3!/:-3 MZ6'.[^7V44A+4KN#J3K%D"9D`,/8S6)8S.)&`+TO!J#=4PCUR]]W\K,;*^LWI8J.I,(9>;3)N^@P>,O"LNY"ZKYTB;8-@=3A@-QQ.Y M'&+'HSQDILD)U-U"L/*)'R-GU?G`0$PPRSQX6F]E,0X;PL3JMFI7?TO0$_&R M=I+KK3J_5LE?=$)B8F[91')6EQDDJ'';%E:2P([E*CU><&?JN/D>S=7BR2_F M%Y0Q^HP9EQ/&$'W#RBN]">2T$0454H\<\A&R&[&\6H&=VM7AD4L1E,_:#QG# MVE'Z3`-G\1>`BV[J;3>"(/EAYWV5?HZ.PT+LK@DH6=9K"6RZAO6W&SJ@#F`G M@E6"IT_%)M23?'&U'Q%S`U()C:OE]E[2PO)#<#4G.OPP"(4*'JO`N''+:.Q8 MHW&E`["[?30+;]]"W:>^3X.\6)EZ'0501K'M6W9[KDL6/-PC(CV$/IH2@;PU M*8PN5&;GH\`,H@3[EMX'+!`)L'N%6""MB\ME*/25HK%[B4?$(2:'"=#Y**"# M*,&^A7>-2^TG2$N;,CS!`2C.[VK$S,8JU$[I+V)18 MY#<.L3^E#+'Y0HHXW6@1390?OQ,JUP(1AY"H7:,@^IVBK30$@M2J[& M\8[:M/TL8;`CM(@R5`YT=8]-54DM@:YA9RL=]]?OOUO\5U!V\:,*HNCCO\%H ML4@6E&)L(EQ=GK&)BYJR!Z3E7)(9<;$Z6U4<#::82348=[B`SG5E0TB6KO'2 MP5I/\(#)D]:YUK`7'*RT(UF36HK-6TX)W-\$,\F&LOU5AJ$^SU_P=X$1DV(8 MXD_[4#DRT/92E(W)RS&S5]^F>N,NPSSQVYU#JZ#)=)(8V^!J3WT<,)4E'VRE7Y,8O<"I(-!1B`W&U;+:^? M$-$8#`*5<2YW%-JO,T\@Z7UJ-+E4I6];E4'B(F>)%`]6#;;,R)3.=*J3NMO0 M9N6FR69?G$_QI:YA4M\G7$TNIFDVH;'-*)AD+#)LEV+;T;`+$\#]"6+C=/M. M;FRS=DTR%AE92]&N7O4@2XNIM?7Z39/2OL#6&I/9.]2$Q@>:@PH%2CH+'`/W M`@=X9#CS2&MNAT&D[#K-@MKGTP\<)YRBP)F;_:>-9E8#D"R8?8OZ33"B;"'S M$#N3@'IT/%='9D@@N8MPL%P%,\ZB002.`BRH,NQ+Y.FY,U5J0;&7/:4F-#X* M>)*$M#`QQU=!SG^UZ(-1REVRN\<'8THSF,9Q``=729'>BLD=7-T9&SP'.*F\ M1WI;JW5N$!%V&[[RZV^YW,&T'E9CDBDN['Y[I3XZ%JLL.9-[OM&N:M\E'OA: M@M*G@2!!*.>3*,`G-^\76"[H4=A57V&Z(P%E1,S7@H.;5!8)&7=83*B["@6: M@QS5<5&GE2<9Q*X#52$B]NUBEF)%'W:TX\HTGMT>QP%T@J30H$+9TD5\[+*1 M*_"RMALU9':DIA=L90!4)'.W=)F7Z]8&IM5)^":'A)4O$:#0JB&B5X_1G!^3 M2A-..>O1VMLCU5KJ!YR:8%I2DFG"M8P2,DZ-H]23?FIDJ>HBI;N\`*X-F7I5 MG?"V[VZEQO1$@-)W/N!-*6VL=YMVU^I+P##RR+_8_9UZZB;`6B[!*LV2Z;.] MRU!E6-YC1J@+L,/2ACPV\RA/]^`?BZI_GD&[I@5BEY'J M)U7%A/92I707\R\<2S]CN;_I.4)N?)3Q)+DSYEGX$,*OBPMD#U\`=$>X_FQO MJ>)K%KG30K+&AZ)S+QH&:G:)I"%JWZ[BIXJ@+X/@2+_Y_$VB& MUTHYFP]/LSHW$&*(RK*CXC5@K3,HL*N/+A2;D7'"L`9T;B#6$)796)!^&=K7 MU4![XAH1IHL[Q&5R3$LQH',#H8:HK-AR]JEY]IRK962YA,15=+&[RB@P%'P& M]V\0B#D59V,Y^TL\E=P2+9_\LX>CK-'UW!W#1POJWB#$\ZG-QN+YFTE9EU%M M0+6^#!@9DT#_@TK:-[O7N<@TT`#RJ3&[2'\-CIDJ/KJPVTU9"'=4]19U:^.> M89^$/H>EQ.Q)L(G6L:=J`<\,Y#*4M*H0_E2Z&6K,Y-4J;8W/[-<@*(&*LO)Y M@<<)8OA";A+=];L@)M\[N4.#X,Q2C97O%NSN^:."T;LO]615,,A%J(&XYU5E M;`^VGYOIZ-]*-UE/B@`)O`@#2%9=#+Q=AV@IW$L;UOY$5/I?;4!V*LKGMP80 MU9=C(C`EQW9CU8%O.O"X!J MPWO-5E,%]3L2F4A$#H7:LD47@!^*:JS\8KQ-NLY'M<&=&X,UGD49M\5Y/CA M*+D]3G@].7I=RIB"`2/0.+BAB@,&=>L-Z>[Q/G@.(LW#/H<"[2OD$EOND$8/ M;YI>L\_\[B%4FF<`>51HX<,(VP8L-T5W2"B.YX/1?N:P)\7FF<:^JK7O-OF. ME:<^99UGGD@GTCQ;R*'`[&!S];/$-OO&$!.D5_,13@@N986-:W;]EG&QS--G M0.?F`0Q0&/!U>0M.#J\7MUF*/SF$$J[[#&-(?%C!>F-'^ZP$[#99Q>;BK*R M:,=V0+"H]\$/)OT"S./XGQV/65=I/8M"()#=[GKKQL&/Z:`=DDRRT5D#U^U8GC^YSO&H]P;>$_2M=6R:'<>/L!2*'6)*ELF';2UJ&* MJ>3MPG1N/C'*^:J^B;I]M?;P=SR7IUU7*)#XD>!;I#J+K0]P*/3J\EUIT!N) M-Q)ZLSKAI02*+0B4N0!V2UC4=RL*5KRJ=^M>UB_QDTA9`2X0)WD6^TQ2]K@` MBM4HWBK_]B<1$W6U%_\/(W:X=P`F;M7L`C4$N#L!5[*-U8:@YC[CO"B3`JK>QF)'N414@D4R#G%0GG5ECO/RK"M;];!C$(NM MJU23>K4CHY)A+QS98CS['OS8P;W!'5G6XRG:WUL1KO&PN,@C(I@2[4L$.-2E M*-)"LL=HI+$`5&M?_/]09Z%PNS&.T5R[,:O6O@M3>SD'A1O+2[*0=+/(>C\R M,4)9YDGF>0DGF>=UGV2>UWV2N>(PBE?3<.O0^U[E*4K-'/:=P:G;X[EG\7R+ M.1].4#"4)C##=[+UY,#9Z+`1K=H@'F!8\!GM0(2.ZP0U2]AU(0?LE@9C?.`> M[;`17\TQ)T(UQX^SN.^-QPR/D8CJX1<76RYJX`,S90^?9KIO%MC6IJE]&:G! MP:W6&($Q_]*`KJ":S/Y2Q=+$4U)MYKLO(Z_F6S+0P".FHO>$NK0_6U8?1('K MJ5\FV'/E-HI+V=U],U?AI,O=(<+YJ-@/U8S%+^#PC1*0#WA*F322GJ^*OQD\ M2SB-JKWL-,YTTE8VSYO+GW9N*U*$R`N3QZ_FIL; MZRT"S81Y6TO`-\WM@+CG>?0YXUYJ=M]F`KNFF[I26#5K#^LKX/)%GX-367/0 MKF"9AS%BR5=3\DI8H83+NUDKMN2?E+FOO1'>#^7\9A0Q%QDK9PL#I-OS13Z= MV;C@@R2X1UQ<&@]'O%.UO6BW>VK!<%>EGUSA)+ M9JXIZTN?EXC%Z1;58/H73SS2.'#&3E3+-C`H#Y MY2!M'\FZDR9CGWH>5O?%<9J,Q1@48)S&VQ-$US9>>:C#/:_Y<\G^]/-]%@!Z M-29XE>.V071H7[YQ@B!%SY&@N;!AQE#3EU+5 MRV$*?SN,J3M(3GXY4^C4ZAWM">[VO)!3GOD^#!?,](1AY M"H6:ZH9T]8IA5-:MQQ@*QCCKA=8"B#?!3(K0<4T'0X_A$\?_A)*'JYEBY(`* M&&F42LX63QNVXN_L(N0DP-+AH/Y3]%RS.@8R;_+?0!Q2^+F&PJN>E(D6(:M2MU:>K2'<)`]LEPG0#>AJ^7@UZ#+`M?'8K#05K';5M9CU^O"OUEP@E#86 M)"E2\AOIT0=CLFRLG^]5J>R?*'6?B>=59,W9?+R:=1G@VE@SI4@5:)$_T\!9 M_\(KLNGDL5_MN"@08<\\'J_MPEZD+VO$:D,\14JQLI2U?U,W6X:8^:K8047: MS.:CQI!2R89:YG0`P->^&&;I"M"39)V6O6#@U:2+1M2^.DZ%2HXKFXYQ8R;< M-:65:94[CRW:^7[+$6IV8WH!WIHZZ!9X`O./`D\UDUOU+0:C/@TX<:/':894 MH*13@$+(UCYO;7&K#NC%7.Z;,<-P\2?KRI_\# M4$L#!!0````(`(AZ#D>V)B=J]2<``.*7`P`5`!P`=V5F<"TR,#$U,#8S,%]D M968N>&UL550)``-O/\Y5;S_.575X"P`!!"4.```$.0$``.U=;7/;.)+^?E7W M'WS9K^[HZNR"B;X3@]NF?/C$,<''T/T^G1]5_'UT&8 M$GKTSV*LH].WYV_?O7U_Q/YX0\,`O?[G42^;9$EZ=/K^/X_.WIU^.#H]_?7] M^U_/3X\>[X^.C_E7HC#^]HP2?,2HBI/?WDS3=/[KRN/)-QZ^OOY\MG3DW_=W_5'4SQ#QV&K=_BPXC>._WT MZ=-)_J_LT23\- M"=+59S8'^'!2_.,;+BY$1Y1$^`F/CQ9__/ITN_]:&*_O4G"V3S"R]^F%(^E+"Z_SRG_P&G^&Q_MI`$U[,\XYBIS'.`QRJ+4 M(&W[8QNBE,Q0&-LAM!BZ$9WY$,_S77R@.8US\\C5&&5NO,5MR=L60+X,X MBI)Q&+/%,D31B-#YVQ&9G>32,//9AKSW\2BC81KBI/>"P@@]1WA,:!]%^`JG M[(>D.E_J(6W3?&J!Z%/K5)];H/J\*=5W!,4)Q2,&^1B_>M MY/,4Z?PN1;\<5!;3CK?ZHICRBD_T11AN\Q2C):6*VU(2L=S2*E-;;Z\N$L MTEIC0R\?KNG,SIX3_&?&AKQ^:02^;"`[]-4Y%#OE:?<=(VR*:/<=6[Z/?H-LV(CI:C+;Q, ME=RV8TIF&N):?I(HB#TBE"G,;V_8&UG"*"%S3C/BG\L]5[^.2,SMJ^LH?XU- M.#SA?UC_>T02'/SVANWHV!U(A7I?DMFF]X9@/"$K]G":0K MF!1P2OB0HMLV4#OT76TYT04`"9\?_F(#&)EKOP05F;3%(,EX.31PAE>;@19K M(&U'BFRCM&+*`%K[=@G_9;BS1S^Q4RV>\7G/B)F1.-_7[[<".AN85!QA^,D* M.J*HTSXRTHFPC4AUEI;8?'0^E08T/[V\EH-6\O3P[_`!*B=_"<8'YV#T1J-L MQITI.'A@1PK*&:-XRA>2%WP;,XL:*R'2'F/XL3O`56%J">=[YW`^\4-6C(-K M1-G",$F4V(E?&'[H#E!2#I:HG#M'I1<$8?'I1Q0&M_'":ZF>6&7O#=]W!R,5 M(TNHSIQ#I6-/2)\=GG<'$A'Q2QA.G(K7/SW-A9$`4@4W1#Z'=&@ M!*2*(PU/WSG$L(J;H@9CGV0&*:>4D?TP'J`?)7#IO#X\=;F7F4-1 MEU&Q_BBB^8)P'7-68GN6)\*HMK=)@PU.79S+#6UYESN&IU-29H[JO#X\=>DG,0>U+J]PO&$YI84?%0RMZUVHRD.L@@_C%<$W10$K4F]TTD*J#*. MBWP!#?J4J02Z8[C(,J@H?]FDJL!BMW,3[M'_$3I@7TD>QE?X.>W%0;'Z;$S1 M\BP%S1$@Y"M4056L&/K,@G$A:)"LC*5KCV')_ZJ=_%`!G]H`KSC]62$&DD+1 M)M8F$RQ,Q1D3?DY/F6UU3V@Z01-V;AM]P\&:>(W0H^883B-=E::D+$*ISZB] M%)K^,WHD))+C(GC*:1RX@>3%K,!QX'[MYY&>A+'T2*(P3^3N9\]!^!+RU4<] M=_0&<)IO86#B:'-IPGLKF39?D\_D!=.8&\W].<\KISBX9C8UG=,PPFD[#VBS#C"WHX5^%1ZLLDT-O!$O9NYK!9S.G5WU63:S' MDEDK)^(S)4GR-:8819R4STPR&ZE>M_%M_(*3-*\7D4UB(X,[S3)M"+51*5A< MN[5)Y-%`:UI0-KCC=),VU4`EABXL][56>+?)*M97]]<]\[][US'Y)SORWO9,?=^MI<@@&VW:A-1V,'=1BUZ,FJ M%;;IJ-]?S(IW[L,%ZZ"=^UP@]R@5>:][STE*T:B>RU]CW,,.!.@)`$ZX5I<3 MWJDOC!]B_+\8T>:A(=W!G882&J/<3'E*I0+&\-(6TIBMG(R9P922;#*]"5]R MO@R$&6M\QVULPK%>:4NH>ZM4SAIG:,';`,?VE$SU';?!$0A*IB,A.-6)E5BS MJED28;DL/H:@3E*QP+6X.1>2+)$+E)1&"*H.Y;:LN27]T!$"G()*7:&LFA\; M/'OMC>FVCKKE@Y>0^^YM-5M'@!5/ID])JCY1U2>JMJ`0MS&;>;.\U]3%ZR5*\830UR(> MOF#U59&HJCG"822JZC,+YEB8=P$<3%$\P+,YH8B^WL[F;%/A.GA)<1"FO#H% M\TL!R23FSK+;>-E/>L%AR%,D-DI6E%F/UK[I.A&V`OYB!;(I&:]R=@0+)#$7 MLNZU<`W*DN@P6I"-@_*4-.D+3I-OK2X`@BRU,BF`63#:*Y>QXK^&6BX#J>U' MN\44=IS+QNME/C2OH?C8J5EL$F(@VW*;6,.KEVFWK*(;Z>(?FY=5_-VB(56K MJL*E7[R!Y,6LP-D5VRHW<^GI-C!QM+GL0H3KDK`5(,Y(MM,@Y)$DA:\=)TE^ M0/B.HQ=\SYZ>-@Q]-?IBI]NTM"`;)YV<=*D^/2LH[DTF%$_8%"H.E^;Z_5@B MI--]8]R)[!"6O\V)]D#O2#S!#3/;&GW1;5:U\^5/*1L3Z0'&E[_EU%E2[&SY MJTF(VU1MM\M?`Y%U(;%;Q;[=I6YCZAYTLG;RY3P=TN M415$!.?FGSN"XH3B$0Y?.-,H#B+^RQ1'P9C0A`D@<',#$!,?R9BXOI#BA)\3 M^K0B]$XC[4IW"+<95YM$YA0R2F\*L.+)FMH*^5=51G20C54!%G4B5D5>NYV6 MIL&YXPH192TR;"P$KBJ:H/$@&@F#T!1F$WJE$$VT>.N,ZN:0B&+N`@Y M/2S@@`1"VT007B!T9V]3!FZ$SSO-3)+-%3$N,OK!`"+0O$="TS&)0M(O]GK% M;JDY`JR<(C,;HS[K<&*I&C0K%UCM,5QG&%4`J#;"\#*,6H88R,;:)M;P-M:- MI)E=HJMD%HG?=9I15&D**C.*I`R"0?*2S&9L3ZL#I.I5I_E)!G#4X,]FGL&$ MAB,VZ3-:`1K--YVF'C5`1I\].$%W`;N\C("1%ZS=TA>OEQ%*DH>QX.GJ!G'U M\2WE$X&SE^M)IF/*)&>HCAU6?7Q;>4)-[/":P#=0+!TI@;$"NJ)7<(U_D`H& M\>"`HNLDS<.T*-8X*^P_[C;YR]SQ!R#0?"2Q$E*LU$>#.=[L\8Y0?B& MVWPJVSB6,`W'._<[F>$B[5]K-HH>=YNS9!M%&<<6KP!Y8"8S2AF9S.8=8#HK MGV.J5]QF!-F"1X=K0"VRLI3,R',8Z>UYHL?==F:T/6K>3;#5`O` M_8?=MD!L8ZO;Y]=$`J?!*##/=,*HZ.&P8"R_#_H24?K*%Y$9=SFH8L-ZHSCN M6-@XP:LBJW#L&1GA[!B$*>7J/F(;>@V0MP=PW*30&K[[7,+Q?,EH[D41^D3GA.:XJ#V@.HVC!^N]%9OM&6]%3G]KN4]M]:KM/;?>I[3ZUO;T8H4]M]ZGM^@C""Z3Y MU':?VGXX&Z-/;?>I[3ZU'T^M=VGMIM'QJ>V^]1VG]K> M@11D<'8XR,QC.%9`5_0*KO$/4L$@'AQ\:KM/;?>I[3"\V=Q$>G]I^ M$#"J./:I[9V`#WIJ^\TR^>XVWY(YMX^8YE=2QB/,[V?)5)?TZ0YA*:D=A!]% MBWDXJZX.U;KG5HU!;*6[5W5ZZ*%4'^@UMV!.).TC#=P+&PER75\S*(1AF=VW(=-HA,2<&J"N^:S.U/9(+JP-N<68(:W+8MH/W\W M(!\^7:'79$&_->R43)*<6F5 M'-:R>K\@IZ`=BG?*&L3<%>##,\<^DV;PGL#5[AS.SVN\&<_3S= M8,Z4;G*(+0C.?`L"WX)`>^+Y%@2^!4%W_:>^!8%O0=!]X(`X0GT+`M^"P+<@ M.(R-49]UT(X+WX+`MR#P+0A\"P+?@@`"DKX%@6]!T!ED?`L"WX+`MR#H0*DX M.#N\)O!-XLB^!8%O0>!;$/@6!+X%@6]!X%L0=!-%WX(`)#R^!<%!P*CB&$Z! ME&]!T/T6!.7\?V&DC48T0U%1T]GT,+,[7M=OW*O--!QK1XN%K;Q_)JE^&D91 MCS/%7FRJ%*6#=_W./C,24%A6$)-SSWURKD_.]$JGDDN`DT?"KEKUF*0'7K:6O8AA.,4J4-5?ZB MK;Q=;9M;B4`UX-9<@=GZ["$'Q*RU!2$\._21;1M*PV7]D-ML:HTI(@9FFP$P MPN_/,7>HWO..!T1]"!`][C8_NC8@,E;@N"K[V3,[?<0!HH$:F-UGW:8LUT=% MQ`<<$_"*9,_I.(N4>&P_Z#8[N#88^TS`,=UR&W5MDG[!9>V4]Q]V>R]5\TQ1 M,4>*M0MB_O5[GW_M\Z]]_K7/O_;YUS[_NCT/B<^_]OG7^@C"_LR17#O>-3Q=$DNFPXM3[X59NQ/+^B3] MB)N,<7AJ52H@.">.RGSE.?F,E=MXQ$Z\O:+O^CU.IR0PJ5\EGW&3`0]/PQ0B M,G$PJF=5FS:FY=(\<^D3M&M#ES+=F?7#MN&L:1B>N?`\-D>YUD*A+Y*NV,HV M+64-:_#,A5\4B/*(Q=$)XWB7E7HZLCO*\,R%B]6!-H@8[^RV8^%(I&_OG[GP MZ0)9/TJE`L=U7Y&K;&9RYQ;>X>;/28[L0R8/+C(+'*(_MA]M"I/8#F[73B`F+(91%L@1$^I M`<#%K';BTT)2;/^<0?9@&L"_EN!/G!PO&7;FY_&8Z>%"CA[N9YD.J9,[ANGV(DLM=R/1UY0;$Q*8*R`KN@57.,?I()! M/#@8Z,AS`/UY*!]#990\>':[AI/<::=#CLFN+[5DFX]A$-CV0!EG`7)K&M[I]?I?@?7`. MWJI\XX;D-/*D)XP2IFS\9K\G$D7L'[XC6I9EJ3V&VVLDFR=W56(4CB6S]!+E MM&YPK%.&J7S7[6V4U1`I20Q0L0CFB%'.\1\T3/'#>%R:4Z''S!@B]8\`4+,+QSOF#!%RQT$1Y?L'`0 M,*HX]@4+G8#/7L&"_MT-NYF#1;8?6QGV.:UQLT.-T;M:N&!8!'!L'05/EQ0' M85IP=1L'X4L89"B*7J]?4)3Q6TO8,T67;,[B:QUM4"[6-N0TF! M.2558.V21!%FYX07+&/-C+*IOP/K2E9GNJ8G*#@KF]UB+2=5'NWHA!;SH)W_ M8A7N!4%8T'@;CPF=H1PUN=EC]@..2T@:I[>;DP)HU5'OJ-4T13V>FRM8+<"J MK3=Z,H%LM)@V3G3V5F`.1>M:HB<3^/;&9\KD5.N1E?AFM8'H)1W-R] MVII*5)2$8E=INWR1;I8O1OR7:5&^F*`(!WGY(B_I8FM@XHL8?1&C+V)T6\38 MC72T`RQK-"48R-8BP)PAQQ64QE"WF2@$^P@"4:D.*@_-MG8=9A8:L%-JO6DO MQEW"+QCX-&NOJBT#OHK45Y'Z*M*?!6*X&W@GJDA=U*P!2Z$R7;-FI"94@@O? M+0;DGRC*\!/W2HJV1OFLX&V8QB9B!LZ?ES#Q&.)C@H)?G'#![BZ*H9'V3 MO>*TG+.Y*ZZ$+3@15)F3_@ES:H-'1-.PM.^BW@"6"C';Q5*+2SCYV7HT+Z,[ MS3%>C62K4!(6V%OLPDGIUB-^&9LU@?O&6&YKV-I"?H=A."WL=QCF_59OBGZK M>F'KDE?=5K490E;!WQ+(C\XCT/V4C+Y-2<3(28HZK2<\R2*N-Z^7:!ZF*$)Q M<,63<#!/$DQ29H?G"KEHK-MV2/J2S.91R%,'_@C3Z1ZQ3Y@Q0?.X8?*5285> MH/A;?NS('^2$ZT2M#7[%:6"[.1_Z(6]#WW(0##>+MC)>;DY0$"+I"1Z]G9`7 MMF:%7$/?\S]PQ7R_H9CLI^$=GJ#H.D[9$B/Q+0N>`A7'-HC;MHJ(&3?L6=3% MJ:!!ZBKQ1I(P"IYN48C"1AD&(Z4.,[_`+HW&"%\M?B8T@?L%.;%#3SF]ERY?R#<>) M*B9QP3X_N"Q^Z07L)S1ZK8RR?"A+84+P^)=*!(Z_MISX`;G`?*5:_!S^A%H$'5Y;32K28^4U>;D5GETC7:G78RA:!=%02U4J\F3EA#2?;* MT\S2AG?:D;05@#VT@VB;J);+8)V,!0WO:J<-#4/: M:8-0%XA+A+""W'UJ9KW30ZE]?+!.1TWN5^BZ=R":/@W4M&H/WOE86RXK77'O MFC1NW=25E?,"MUD7@J6ZSIO5G^?)O?H)F+A,OL83R^X.6$]R?8IQR M/HHBWH&C]M(W**1Y=QD!9A@' M%;;-,)%,UHH\0RB6;=S>;7-2Z[5HW'T#5$FM'G!B^.7\P:F4HRA.QICR3A)] M3%]"W@%MU5%T:X$>,%H2\3\IV_:9_`R0?L\B5"4..+/,>]UI(CY872%=*1&\ M?LT\\29,"_K)=6Y<%M>N:-S%6_JFTR[.IJ>^Y$R@E``8F%?;Z=JD8AOK\^[& M6C0BN@O1BTLMN*J5E;#HI*[S9/A4L6[C'B]!>Z[Z:)TXJ6XOS, M^VPM9!;B9$%?\!`_X5%&:7%!_1<2T^5?+U`2:K5Q,OH=!X=#$_2K3H[&ON'R M6&D(7]7L-R"BCI]"EY*X>-U81FXH_C/#\4C6V*G"VP!.IT;15BA4J2#@F14B M8M5-Y=5O.S]TZN&A`+.4OY$3"BG0.NHPCOH":V\U5*E/.WIO.[VXAZ]R::/ MJ8`[V&!N[C7U\-P?`<:!S1BD0@;A]-S:6)=6?_P]Q)3);?K*FS)$^G94R0!V M^FL!-J7*90$0_TV=W2>^UEXL'<=21ZTZ)I8"IPH3O819V(NX?;3AV6!MP`[8 M(+N-YUF:Y"R?ZN_;^V\Y[8I6>18J4!6R!QJ[LUK8+=YRVJ3,(G9K]@#NLAMT MGM<";_&6V\9@%M';X`].^]$^OSUUXQ;6_*(*A5TL?<=2SR]HMG`I_W"@W:1. M:?;L/VRKF9>V*5LN9DD06<@&F)VN.21`[$UCV+30R?X)!QC/^)0N^J+D!)2W MLR]YQ7%/,[%^;PM_1^AB[21*_RV"S<\U\P3 M3OBM=FF(HGM"TPF:X`LT^H:#-?7*\Z+V&&X[OE6;EV*P*[%JSVKJ/Z-'0B(Y M-(*GW#99:R)\"3-PW"Q?^[G)S4V&1\+MA1&*^MES$+Z$?!52SR"]`=PV2#,Q M??3Y-'%2ETR>K\EG\H)IS$](_3G[*F%VW76<8CJG88*37:[*)UF]T=QV,FL\ M&>LS;<*LE>!ZPX@H$@.?,(JN$ZYIY=C)WW#;5*PQ/N6,F;A)18(!OZR9?8NB MZ`K/>9YVG-[.YHC7$>=W`I?CH?>VVW9=C;'19Q+.526KPI)+$J<4C5+UEB9[ MQ6T[+!.;6!EG)FX$,1SZ^8+3W*%1J=1E[R6W3:[:SG$7LM^-,I937\?BZUA\ M'8NO8_%U++Z.Q=>Q^#J6AF`"\=/[.A:;I0^'5JI8K'ZS$40%OON6R M@!,L<),+;R?P9KKR0>ISJ+MKP=NTV8`>\A1M+P'89Q*T\"Q6H"MD# M@UU[R6]6PKK0MFI]8<#)TFXW*4#S!BLUV]B+??,Y2>9%9D>\2#,=ER7>RO$OL`(^F1>&D+ M4>4A1_:*K:(.[?V[1-ZZ`*TY`;/.F44(R)YO$JH6BI-YHVO>S)K?:)I,;R+R M79'`+'W!;?%-J<)O"U[-!I@94JS@@J[DFPMVR731>M]MS4U+.7':DH!CD@A# M$?MZKA5'5PSAME:G[;1(#6'`\<\+J>Z'DS@=@LZ=J.%#Y2/$>OG)S'[#D*1QO.ZB0AHS#75=G>7& M9_69DFS.)+^ZTFS=^@P5!LI=E!41K5TG5O*ZRQ*P^D"HMKMR MA@^FH,MJ9CF@LBX%G$IE*&<3C*O+318QG$(N!4P5CK$ES/[L:`.)$;0,NUX8 M8?-_;:K"=9*&,[;=;=P2+G#3*H/A58;I4(:YM"RL(K]PLJ>DGOC>B\HC/AI[H;0/EL-UO&(LHU0^I*M7&/K M*)6S!,=^66C3[V2&>3.["Q1_RWO;JV?2WBMNTV2;SR@A0W#"9GFOP2<\PFR7 M97KU.XZ"A6[U9CP25(*8ZE6WV;8-D--A#$Y3QIQ:'J-@1R6\0?87G#ZQS9;R M<)`6E#ICV.K+WPZFNAS":=]XRYOIXB1=$UR"XO[#;CNM-X!+S(HB)M8DAKEL MX[ZJ@WOBD=2$J8'QC)C?_F(VRS-"L(5H[/)!ACO1B]XX3KX6&2$)1>O%X12\AW3A)E% M`_0C;^1_&S,6^6-E)[)*`[E-LFP,975FX7A`EMLO(SZ_G2RCE/%0Y+F,BK]H MV"$E;[O-J&R,K2:'<%;0`9XQ(Q?1UZ(OP-+Y5IB\M_$HR@+VUT=F`G`DTI2& MSUG*61L0SA+O"4`B1M5DR7G96FS^8VYS,1NKBQV!*-P]+6:(];/G)._4F%Z_ M;"2'M9T;MD/&G4;.E^P5![E<.Z2HV1G[87Q)XA=FG;/Q[S&=8%I>XZO[OI.FRC(-+5T(E'R`.9!> M9`G;9Y*D-V+V5%((M3RE5?(&@.[(>FNVF@\XAT<1C?R/3,^4N8K*=UUW,"X! M0!^Q78Y`3RR#T`%)+;6!80L[5C_]'S1C1]`BKMQ'+^Q`F(>T"(HWRC(5E\%6 M&<1I#JC6Q!%L:%4YA#SYDD=*;@B=H2?,-H?2'#*-MYTF?E8_*.IQ!'K?6]'[ M!7,_3YX*DE2T4\1C.$WM-(OE+E]PO*8"JI=$7R,:\X7E$=/^%%%\%499BLM2 M!:L/YC;ETPC(&AS"R5I;$KM319T3G#QD:9*BF#MJU5A7',EMUFAUH&NPI\AX M<^^L;OW"3.^M]MYJ1Q7"NTRQ[RG\)Y(W.N/S5O,!YA@@(%%Y]I:^X[IXMT3> MV@#!J\PU#!$0MXA)K.#UZ-XA5GW3@^AYISO+-Q4V[XH,7DF[" M_6`VZN?(02Z6CD:PSXC[V[`(X05.-65Y2(%3%\YGF88V"9S"=C'7#)RZOZO. M3.`44IJ[W>B;XVOE2@"H&W0#E")O&3H@)P0;&!YFX-2IYUYKYC2.G$*Z&&[) M\269/8=Q3N43'I%)'/Z%@]N`;0_A..0;Q**C9R&-8+NS9][/NKCK8'&!WJ+Q MB,;-7UK2O8U?W#8[G@](NL*87A] MM1X1-ZZG.`U'*/*%2[YPR1.4&TG=GRGAC\3Y M/1,9BNI$<;2'/8"BHTJ\*@Y"SCN3#=B8C&!_FX9W\WLWOW?S.]^RO)O?N_F] MF]^[^;V;']@>XMW\WLWOW?S>S>_=_-[-WT5?L7?S=Q8Z("<$[^;W;G[0;O[- MFU'83L*V!33!#^-_DG3SE^[K:G-08L*NN_>I_K=_K:I,L*3,F MNEM)-N+UXK)<2RY>KQ,RE^VYLN>[T@%*R02<3DW]E(R^%9/V*J-LV6=DAR0H M)O/U;!Z15XSSAQZ^Q^R0.PWG_-!;YD"M-V+7NBHU8--$KR3E3'L87X7)B`?C M'^+%/6(7H6B_TWJO*UV)M)DQT6!(@L&`_6LR)5$PH"B_K0V]2CWBHF>[TGRG ME`'0#7+`%?QWO[E-+9Y-M*Y1+H27A.(K/">,L'47Q46E\N)W]:JH,4A7FL;4 MXPQ.'YA'],J][PD[<2RW8!2/&!])::>^LM>ZUJ%%Q8NJW8H@]^Z$?^@9)9C] MY?\!4$L#!!0````(`(AZ#D?PWVKQ)6H``/]U!@`5`!P`=V5F<"TR,#$U,#8S M,%]L86(N>&UL550)``-O/\Y5;S_.575X"P`!!"4.```$.0$``.V]:W/DMI(@ M^GTC]C_@>D_L:4>4;,G=?K3/S&SH:6NFNZ619'LG'!L.5A%5XC:++),L=*7AZNC'[[X7__VW__;O_Q_1T?_^^SN';F(%]LUC3+RGHU9!M0G MGX+LD5S^=73I!UFNOCK]Z0]B/5TG@>\\S'!W!*F$0?9Q[*25L5U'ZKU\\9MGFQZ^__O3ITU>? MYTGX59RLOO[F^/CUU\7`+\3('S^GP<[H3Z^+L2=?_^_W[^X7CW3M'051FGG1 MHIH%8-KFG;Q]^_9K_EO=%.D?`OXZ*84?PJZ.3;XY> MGWSU.?6_`!HD<4COZ)+PY7_,GC?T7[](@_4FA&WSWSTF=-F^AS!)OH;Y7T=T MY674!_AO`?[)=P#_?^2_?N?-:?@%@9&_W%UWHO-V!Y:8]/6_D2EV>$N3(/8O M([.M[LV>=,_WF9=D`W9=FS_1OA_BS`N-=ER;.=%>/U`SVI;SIJ(ITX+4C*;5 M3(M[S9K[U"9D14'0U/#S.[;^SL[HYXQ&/O6+O<%,B;;D@+F6YD\S1)OD16` M^-8Y^#]^>/WV^S>O?W[ST[=O3OY0!_3UOQ44V-EP0M-XFRRH%O;B(^SNS)O_ MS/T_ M_R(V4^)VFNQ^#R]9%!ME/_8@EX_X>A$S>[O)CG;P7";Q>M`'*/85#R+6U\I< MEZ/)44SIXJM5_/2U3P.&ZLD;^`$X\LW1\4ENQ_\'^]4?8MT[N@I@N2C[X*UI M"PM>_?3VVQ].OOGF^^^_>_OV/X[?OKEZ<_U'Y_P).._GZY/OCU^_>?/V[0\G M)^^_.?GNY^_^HWM#38;+>:P:1V"@"^;2(^T>3^F180I6.F?\G'CA-5.PG_^# M/O>IL^Z)4ZLO&0H=W),/)'PD84.=*Z?>[]"JC/H^PE@<\Y!X$,+=/Z_G<>/[ MR$1C=Z)+=;./PCZGY'\G8@`J_=)*_5[%TD;ZL?CC?)LDC"&O@G3AA?]%O80% M2Q?,_511*IUS7>@5"2+[#),/)6(L@<',(?()#$>A7OH^2J>&Z?DBXYJEJR"D MR3E;;14G;4:IQPKO3G?OW^RCTV&@^#!2C$.E?22?1=&Y:?LF(_LV\7H=1_=9 MO/AX_^BQSWVSS2!7!PI1P]&107'H] M]7^ZL3BPB!4?&%@=_;4SSZ7BVD.@,P,`?T>EJ=HHWZNB6L@^-F>4^615%ZE] MH@L-U(5")Y.(@;@<(^EWZ%0LLH\P%L>MU.]5*&VD'UNC5*[Z%?M-JJ-3]J>ZU"I--#KU2CWJXH-1:9:. M[]&K6]H_QC3<(_1:%__T&MTF$`P^3!MJ?3R5FRQG7&5`:EUGI^MCZ7+:TDOG M'+]M>K3RO`VPV[=?TS!+B]_PP[4:W^6__N,^8]83MG*SO`HB+UH$;#]Q&NB< ML&G!FEJO:2*ZSY3E-!(O23F1%#,QG;.9?-)636CP/:=CV-,TI5DJ8V8 M[4HU=B+3\,KX``F7#=[W$TWF<5G4,,KVT2AO.0])M;:4@:;C_G,O?3R-?/C/ MY9_;X,D+F7BFI]FYER3/0;3ZU0NWO:&L'C!7"EL5U<9Y`)M`/!;G\A]J4V?$ MRT@QF_#IUJ4IJQ4(383F`GZ@U=2I-<0T6,U($"W"+3\:#")&9IIF1W/FH,,O MO,4BWO)!(#8S\K>3D]GQZ^__`?]\P_[Y_>S-R8EUNFP:A8'CTN:,KH(H:DD1 M6\*D*LL<%X]+''EN(Y4J]9=T].F$)H,F6;`,&'R:WBPOZ`8\N'Z+(36@2C!= M.U>*B#=44&T:./V^F"@*XA>%^7B:WGQ,B"PJ+],N:MP+6,1I`T?G7JF.H"KY MJAI2.ITZNJ(^3;SP:AOYZ7T<^BVJIU5--^:Y\DM;$-AGO7P(X6,(#$+@:&KL M>\GWG8ZQ;Q-GTLK.G?D770PO=24ZN'W"-,N3%[#=A?0J3NZ9(W-/%]LDR`*J MG)16@.3:0Y`BV83A1P`_5%X`8K2R MVDVK$9&Z\H*D/6WAW'7IUQ9JR;4^53&YF_)SO*;O8B\Z\Z*/O(I)TUUISG?L MMK0AU&5,82R!P01&BY(U/([,`$S243`9X-H,Q<5I4*/'_QK>3Y?P3*<%8/7T MCBYH\`1JZ6<:^KEJ.EU#QE'7%^J%Y]HC4D!XGR_Y%%+-(3"I])%F1$Q$Y"`9 MX_C(1N)TCL9!R;E;H2I^2LZ%HNQ-K%Q.(_\=]5):V]D'FMW139QDU._4,JTZ M5QV@*R=$!^5VAH6S(3&[IG)FA`%PHFA&PC*IH1;1R=.QTV`%25DO#.-/T+N% M*Z$0O)HP3GF^]F_?S$Y^>$."B!_J_8/_^]L?\G^_^<>T49R;[^S,>]-635)W M3E"K_.3Y&I/NAY="P37/EPK4OO\5PRJ:5%$+IH2"J>+1;*E?ED.4),F M5,Z9;62)D_!(HA6=\'J,4O;Q:-56?2!<64E^]';9Z=B,"E'$S%\%/G0 M-YH#,$I+C!(^'(7=M(C/.-&3G]_>X&VGQL.*^<9L=U!"QJ,EC[O($!FMN]#] M"HVKH*A$I/Z"F@:9SFFXHUYXF<*=B-,%4[8)]1\>DWB[>KR*F;/&PM9MHEQZ MK03+E1.AB&B37[V0B'FDF$CRF:0V%85+88AC\5>&60+H4@X"C5>APZ)2[T*# M/Z<3P)OLD2;B`H9NF%Z?ZCH^WT5CG\/X7TG[Q1FG8:S*MCV<]WU:&$A+Q^ MB`7(O(+@,0Y]%F!!L)P]FUXB58;KVM)H$*!Q/E%-+;-"V3/6BZAV$)V1]_2O MO[PHB&B!+Z!>!_?W_`_H3)PNKZL=F>LQNAO)UFQ2T#;5V7%X*QHR470G?W80 M0&.])!PD/\OL9)_IN#^_R:,=!)7S7-NE&@*-)C#YG]`IV'VB*RG0/8I/&#WX M3U!5<>L]0Z(R/7L^BY,D_L0T-PO@'[S/7*%?1RR,SQ_.48LR]*`ZBT9TD6]$ M!`)`2H`WR+R8S6M4,IC/_8*@@("@Y.C@43:*Z(8B?;Y-L]@/>!Z/:8A/9.Z% M;=BYB[&,Q%@>BYG(\/05.6Q_4!F0M\!F6_K`R"?^85JB(P/IVB*JH=U9Q)-/ M0W`8.0RA1A7,9B3$;-3SC(.:+7_4202/1+0CHWKL!`+.GG#8V*DJ&8HQ@BC%JU^%;N!F@PK9.\ MSH"DK'-K+N>Y,67'_"JR?,_B!,*Q2"A_?\,+U.LBX'PY]H^(H"Z(5 MC18:QD<&PEGG/BE:C2"L&BW:]M7'HS`NQOC,=I$1Z"74#S)R%Z2-&\CN6J#U M\Z&\\5DO$TXG4P]TO8D3+WD>=L;7!<:U:>E&KZ&RBY'(S^[4,=H_G4-G@WIX M3\D>R1G/F1P53K(OY3 M-FDCK.S*$HY"Q#Y!GU5-;L5",U(N1?*U2'TQDL5D=SE2KH<@MST)$>^H3^F: M4V,A7NC"TR3$)0%$AX`YXZW[F]L9^=OQ5R?'9.,EH@'FC+S]=O;=\3^8 M!6G*@LH9^>'M[.TW/Y"X>NP+&I3\^Y:I[M?'L_Q";SYU;]`%7=#UG,7?KT_X MP#=HO*3Q-*+4N1I-'4[YR(2MTBO$Q59:54<'45-DJ8H(4=W0+8-%$Q:!\3WQ M7FH:+U(J0G%W][,'N99[DF)"\1KEKT*G2UZC=&+_!B"6=\>*XLIF_8-\>WP\ M.SX^+HR6M\T>XR3XB_K_8`.9B8J[\7=X7U2%P2RV]FQV]/9C^\_6'7T41G M,15X6JUS=R]#3UE*YO,7G[SPU@O\Z^C>89A1$=BN&&S3IB&"[$/#2&49T]>\JB%'ESROO&F1=$U+_T M$GCU)3U=++;K;>AEU+^@RV`1:$=/"A!=FTLEI)NY"S&)%+/(J]H\DD_\$I7Q M'(8HS6?-2+J=@VG(`B\,GPG$]TFPR!#:1G5V5C*1RKP\:551L05>2<&4QR:A MCS1*@R=Z'2UX.]L4>A?<+!^\SQKU15I@'58:::+?4HU3"JVH,]J!0000\@K` M?"F:/L9+PF#AL+!6\1=%2(L=_`,.!,U#9L,1/A/UUC,R1_:VF474**Y$@J&2 MZBLF,]!0$YYE)M1+M\ES%5!IEP,T(;CVE%J1:IP-YH-V,@JH_"`]-/+L@7CF M\63VYLVWLQ^.W^19@>*]1_'[;]X4V0)[^+X5^$9T!;SN`-]OV?]]_X,FOLY= MOV[Y4RN)Z!(^ER=8JMY;RTQW3Z"W(*%R,M6H%KCUH&P?06V`$DJB>)6V'K(Y M\125=GW6?A=M.)&U^Y)H$#G=X9Z12&[JKSHENYD?.F3+SES,;F4I]2([-26> MCC&Z;F,O/-=.I`+":IUA<-YD4,6I<;UA1M9EL2FM6L&HJ#?GWI8J$UMI`>/L M@O"9>/N]Z+!PS5^)4JXQ[8'BRD/K1:[K!O#17,P@Q10XC.*3:I?VKH*(V0FX M[GX=I5F0;>'``\<5B^&(>XL%%,2EY!7#W(_#T$O21L;?F4E4XUJI>51B6?>O M%YT6+[IHV\I>@,Z-I0+*6J\6E1,17=PW0?*TXQ4?F2@Z33J9(/E!^F(1KKN< M!NAQ%\A%J&8=DS+S?N;N4&$\I"XMUX%92&E:5!GXG&E5,Z?^!J&"C7-VS>O6 M2VZ2>^C[[?-$ZRU-[B&GK.I7JX)#%=/%R0IA``B'@,*K M-L=6Y390S;P3IA#%X0,>EUN3LW7NX/2PM3/IY9M(KWEMK/8)IP24:\=;CF:_ MI(H)Y+JU:-CMZ:<69FIW]'"72"NPK,D]Z19^=2R&!A>+>N$@,9MM""I+(;;; M10:X:7]H7JJR;$S:L9:.J:OAS]="9Q0`*?EM2U5J]<#!<=UVA;D>D4N-WC5 M)!3V;@!>N=0U+NBAL6MJ#*EQ2[:#&]V*V(";LGW@<%DX%5^L2^JP7IH=@N&N M_#EV+`?QF;FY<^]FUNX$#DV7JH!RV<6Q'TWY!7;\*=)!6!9>*,7GA1JSFXJ- M5&=;)U*IX(BJWN)WX8VJ=@90<-UVI=&Y/VH?,TP>J3%/Z1C#?MYT*'*=)P]] MVFCJTX8^K=:3AV\3JYFCXP4[J.S*D;NC`RU&T315#28K_N?L*J+8D?+I0,M4 M9P<"K6CTW3Z\MWP=;TC67P^!'?E`(Q@29I)G[CLY:ZD"8BSDF5W^`!]$%$9$'T8VT MH8N/U7]01U3<^`]VO7M$5_C&0PJ39]0CC;J>D5P4I]B9 M&#MG4BJ\T7P7'ZC!$6<''"QFK@7!3H$N6KCGHT47=Y2V3@$K:`ES*-%6%Q=J M&;X.%ISR.D3\%*1!'%W%":2_>>J;17Z\P=D[WH='U1JJ@')W]T@%S>9%@7P6 M[ZD"\V;BO&=6:P+W;IQF168WD89C*6G`Y/`6DC*3]EQ%4N50QT;M=,E^V=@M MVZ`54]<-':4!E!%#PRQZ`(8T19H+,'Z#J4.%%C.:H[]1E74$F5J7Z./T,GK5 M@KGOT:<3IE.('^(HV-FA;K:W&X`K[T.&4H-YJ[&%$D.6\S7%!EO!5R^C27V) M/BZ;3F!^\@(NJ3?1O1?2]&;)RU@,XN)N0*[]`AF*^RP'8_,7S0C<*8$)T&>4 M3QDG.C9O#JN-&%PM82,!(3!?N!R7P=B(AC]@F^'7J'IR6O]2SEV,7KVAY$WT M*8T!Y7,`Z9XF3\$BB%97M#\3T3'+21%!14\C M'RX+!BE$%-J9BQ8(KKV05J3V&0P&\>Q@;1@J(ZV$Q764;A/>37K1C89S"];- M94JFJY/%!MBL'*:0/GK^Z"4K1;O5/M.)[>I"HI77H2P['TGRH>Z-F!8&_"&B M'(/%2!CH6S-5%&KUTUYIW+KP0F+3I%+2;==D(C)`9GGZOQ'/JQHL&0A7%DN. MUCX'B7.L9N()09QL@,CDHFMAXZTR?/KPOBP4KVQ4_JLCIG>C;?ZTVO_TUIM_ MU*[*.)%R;>%0,=7]PN4P,6V3,3?+ ME+N4W/X;!-*(0P+)=70J15(FY.ZO%HR#5UYRF3HY<3+E(IWXM9<9!_C$S.$` MB-SG82[W&8WH4O6.9G.3-XL%MN-%RV>#.SJ2U\8Z2$6MAG"F++Y=QLN:"]T`7CU$'2WNN\&BPZ'1R M>.JS#YT%L';W%3RI_FF!X-H*M2+5.(^N!KFZFV<5"72&J9NUE,Q3)U]-*!SK MF.W@+RZT-\OW[!\K;T7+\_V[8/68I>_O[Y0OZJ@#=&6J=%!NJ?`HYT+84,RN M%=J(^>050)C\'?71$5X7"%<%.@F?C\:@:7.TU*;ILO/0D$[ZH67*;1;O?D4 MJ3^&T`W`_2EA$Z7V,T(81\1`PD>BL%7Z>"2`!Q5XQ*/@,?#0L!^1UA0)%&-^ MS2\T%:7/\-O&5R._)4%&?88Y\5+RB88A_)=!]()D1AZ\S[S[?E$"-",Q;`GC MH6*'*"H>*;;+X83YEKUS3UA)ZD-E?.2 MRY.ZX2=TS@-!)5Y"(`W#D6B>8!>'<(CNEUK&Q'F$VR_RNN1P\W0%N"U7#.7S M.,J":,M<][SA8!RE9W09)WF79NZ?O`^BF#DQS[5FA;M0Q!O:[VGV&/M5-U7E M&'G*+;E+"$])]HYG.O*;>OPB1K4%4NV!S/DF\E?OB0!-:K!GQ3W9W'&]_)PE M7ISX0>0ES^0ZHVNX]L<$C$%G1`H!?+%_%`X'BN^04SF_+I_!(F@\&P?ZH2>+ M/K5RF%H7LSWGQB`_C=9UP[K`N/;%NM'KD`LVM*R0>I6/GCQG:!.Q.`J%C3?KKBRXC<_E)<$M3#Z=7%YZ"0MY5FGQM+)I,7`G'-=&3H+@ M/CL50ZM7Q+'6`9L@53X9CJ\&N($E2Q=#P>Z$ZDS+PT6JB:O?;(KT]>%2K_D MS`@?.^VUN4$XW!;RD9\AS<@<1I)7041\%BI[24V&<)R4JZ)VIH&(,\LI%1NI M!97)C#NQOPC";:9^)-X'!IL=K=!340;Y:`2W:/7Q:2H&7XQ%HAHLH7FAA10Z MGV%/W(QJ%GS1UVPKKP,??3W>;=Z MWSI>DIVI_7TCG1D\PZ\N-85FGWSB,H^6#4'LRP+AF^6#]YE)8P!YWP4\)$\O MJ/BO:6!J8477IM<*T=KK3EIE162Q^(4@D"?(^B*-@T>DS&*',J]"GMASV+9U M;";7L9O69,J]XODE@OK'X"_J_QR'T/>NUL.Q>FTTX47O%UMX:%0@5J"I5:`V MQOI.*]S&(:B!JJI6)?FR9+_W;>WQ9+$Z$WAC`9!I'?Q3#[R3[S M\SI='-!IXTZ^4O5/6YEJRKXD?@#UW%YXZP7^=73N;0(6B'3*2/MM=RD09RT6 M>E!K]O@HQA.84Y MZ:X\K*:-4@;HS%YIH-S0\3?GUQV92F3&:PB2U5S2>WJ$Q[;I4",U0;"M;5K1ZMQF3X?-7:D-<3.F6""SL))N$S)O'6SV(0UQ;L) MD8MXS2RNJAUKG^SL*D$'*GWY+O*[&(HGX27]*/)"=3BW*B:3J9)B1EW>;.$-Y7BC:@9W"!\ M:RWBUONH)Q7J"X%Z"K"0-7G3E_+^UF_:(N[@".@=VQYO7*)][E/-='[84T=" M?%\%3X-/(3\^]]%'7*NU. M=FUS]E%I7CK-_SXC,`)%<*6Z=_@U\8M!Q*>+T$MLWG%^*W"(Z`I$<$H)E-31D+,>;A.TRWUZY<$?O7"+2WZ'5!^R[-X.$T]4M*&["Z2,B!" M,]*"3(Z`LG_[AT.:B7X%1W,`1NK02I//G+8E#;)M,D(?7Q/3;X\P.=:+VE`T M!M]N@R+B\E.I4JZ+N?!\ M?)KEG7-1N1M#\>4Y2[)A6WYD3,LV&XJX2Y_M5(^JJ!<^J_ M**';[K044PEC:C%YWX&YMRSJ0WT2(V3/']F_(`E!EEZ0D"=@UBH'$7<=U>#R M4]2YNM\Y46;I(>^;LZBF#'&*7DA:1\7M$)R>"G#VJE$1J39E?*^IZ6L"=B4]XT_K_;_,FGA_B.`I&#D.Z\ MD_$0*R)F:F!'V8-KPSP289O7B(ME1,HF7X>7E!1OJL7\7SR>>[4M=-NFIO'B M4H:]4J9SKN+D7>Q%IY'_#@KG8/?J*>`>**X< MA5[D&OWFBPG\!`.F\(,+/HF(60B>U3!'"X4O,O"KA/!5PM9OXI6PRBKSV(%QO MDF`51'F($R^Y+*;DDT)``SJX\9OG9,ZKRL=JR@RL@# MJD8@)H!^]C<12']ZLV1Z@"Y83$3].^J%ERD<;;#OT6<1]8!-;11U4=UG2)A* M7L'D+\E-Q`UC2FYX&7D.@0`((F!`D;E3`VD'W15'%XJS.+K,0BXK=.%)!$(Y M#'[+;/**%*L(UXI3Q.N`PA_0IH*3"I8!L+;=?#%%@'G#O9S2.&' MT\@_!6L1_-5U@49^M4@%IFO701'QQA6]VK09*2?RG&1]*BKGP0*NA'Z&6Q_X MPFP=!E:[WJ;.O1,>`M86OUE>T"5-$NI#T%%+C5Q1FBJX&$8PG35WU$.\J+YB:YVT8+9*JX=$V/BM+1] M%8#(JSJH+[D>+*!QQZ6`-R,UB*@\&'M$V=,1U9-^9),#0'5D(A:U[984"E/U`O$27Y(`;7&@6TYI3LQ@"`S8H!9:T8D M4$`720I$E4^[4Q^*3#KA28EJEQ!YCMI91Q!YKENYR45':P]49G]PRPZT:0NU M-ATFQ'%?EE064^:/R>C>A="`Z"HMH86T8GE25:=?/I^$Z\;"(*3%7?84$/7@ M&$Y$'F'@S8/073GS4/Y3"<6UV=FE[((_O(6*Z(PRMLKNZ((&3]!AH#VQJ%D! M)87NVG1J$T-1KG,HI`!#*CA.$H[C$J'`-BBP3">^(6[L_R.=C]4744!4X>98Q&7#H M,0HFF'PGB;SI^DW=PN9YHS6$/@6V>;I#!%%6M%#+Q`G10\*J+4)?AG7%)/8;T1M:C[/_?T70\S\`J%7052+ MV/CE4`2E'`98U4HY\MX]?-K7):8,/;@'.Z>K((JX5\2",`J!V!*:LP9Q7H4Z M%TND2$H\5*6RN\1#421M:XYSFF3!,F!0X$;-!=W$::#LGNB"==J^60M]93U3 M!P"W\'(0*'P'.VAW**%%'7$FG/Y(B)MW@QZ$>8>B(G5%U4$"9*VC]<6^OY^T MMLR[3"U?49^Y8>'5-O+3^SA4[C6M``G/(54+DHKYWWPFX5,)S$5Z.*6`(NBK MFIJJ"^LR1W/)T4Q;T$1TWM/%LIIG/1W\.F%W&^^9UWI?Q4F^EY]Y"T'P:J*/ MI_X3]^%TLR&*4%UG.Y21;[2%R2?RUB^%>,+<(JJ)/I)B.@I'8SC&> M.\*MK[(XK7Z9'%OG:1<]<59*JVC)LLNV7"V[XP73JMZ$!D0\;;HD2*NUZ^I@ M[WN[PFRU;Y8CS=SI.G[P@A+/JO,W8?7F+ MS]0140&-Q1M1(T.G2Y+%Q4LUI`10=N(C%0R4?HDA[C5S7;OQZ3701^F=3(PS M&A]%0]RU'!5U67?GK9Q&_GLO@]T\WRRUU)V2K5`%C\6/42>'@E,#YQ$%-)`. M5%IP9'+DTP*1[FPJ@YJJ0.OH:,J&EM>C)Q@.72"V\0U-LN=;]GDSMNM+]ML- M#!GL`75#1N<`R8B@XO\4\V>$0YAQU5`"P>T`:>%>\P5XFXNB-I;:QW4,QV=< M7/$Y/+W";>;O]$FV0W6FWO)#!80SMT6*EHI&NJOZOJ*XEJ.'4=4;AI_7*#4P M<>=6]/.@W'7H94"GRZ++8/1 MMW:_QP'RV&[U:"H/DUL]>IK#N3J]"B(O6DQ]JT=W5=>>E#7B::K=Q`P5/<8F$KS"KJ M\7$X7MJ8[=3?,Y3\#FP0E:ZV,:)FV6H+%SIMYR:*T(J,S=GS69PD\2>:0-': M@_>90H/CZRC=)AWW[W3;2NFMY]K\6R"8:A,X`9>4J4_F#I2@>;$L!\[S]25X M5/9^!%KMJP@O+YD4F9OY#GFRDCQ!%WF<.P&VY,^T\9J)\$U_]`'=U<%CB7SU M*HZ6J:Z/.G;1Z#SBX(\MY.-0&'*U_9=_(QLOL'BKQL*)S)"-.S]S:6%^I;.6 M)N0`-LDV>NZK"NV_H]8!R>FNV%\T.H85#D?)KN(-FZW.BGV&/OSN;VRJZ9; M^J_I*BF60\FR#CRT4ET%V:&5.G'&RYZB<+E&H4_CW*;JT;8LZ7,(QU<6R)!C M#E10P1W;Z96F%C$YO=)3(=/I5=@KBTKA/U"4]^2%8,MO>;><_0A7-SVE!=MU M*DJ3$*V')I`=X3_4(,R(@$%:$E,HO%E+!/A0[W3RRJ_GWA8%;?@/M`(^K4[$ MCKWS])F)+E!*E1DH`M<:4/?-I!XHKCS#7N24]1BVQY#L88;&.U'C1*GWH<2& M0_K`P14E>K,T+V#I`^.VSYL,O8;.YX.A<9M2L8CC3EZ]'TZA1N'P8)%EJ9%A1)(KL,S*9(MKW'D@TDQ&J-B5O^`JD]IR[_>="QYYJ5! M>K.\%4<#7"Z85W(?K"+>Y#'*FGL%C<85FJHB'[2&*Y4_D##[C,[!@4*M`^1. M;@TD:14';!;$,F7NM^NUE_`N"SVD0&.!;`B-U%99D)@!H4-KBU>CZ$$.R6D` MT8=D(RAM;P&-T5JI?\3^2$+E"]IF-64#HP+"R1L'O6@I%VT3X@O:#SHD-% M]ESUW3$-J30@NPZQM(C0W8`AG1&87G:TR9YK3:TP&C9S)E"L$];D`"=L?QWE MFWOO)1]I!KVG&MN,?!!;+X@>$L\O'X"]*/66=@@WVOKNKA^-1E")P,$I8RER MU7(MTO>*GW^(-4F^:-YWXDM2K8O'07!`V!JYRC9LW"+?.VI9.:WHJ`22(\OM M=`H0N@O#_M[!R7-Z1Q`(4JKV9VGT-R*[MOA81]J6%3^:*1TPGU?P=A8+7 M[.OS@)+9UV:`B;G^0\Q<;Q!(Z#S)7V.N]CC$IIL!=V6P34G1*@8SPB'-N&45 MW5[%`^DU<*BMK%5JU#4!UP_\ES_3T,=G30=)A-14#A&'`1DP6/:>)D\!+SDU M2;*V0W":7.U"JHW]2#D0H^WI_T;].539![+%.7HYTXZI3G*EG6CT,0L6G3P$ M"P294.6==V=`^5NM:0$#2>)3+A[="4^I;$QY,!]]!'41^0^/2;#4/G_KA>,Z MF)$@V#P\YT.Y2&G0G'WGOV=,6RPP%4ZJ,',/?49 MJIP\G:!>>@D\I0Z7->X?/;EX2O57-R#7)D.&XC[7%F/A4A?AHYW*XXAXH3.` MO9RH9`'E;+C_ORDE[Q#;9T483OCXFM5S?7"L M3VT5A:_PN=SRG[&VEP-SK?'[4%5E2:R:?P!^[WF3#[I&>4%5B465S(`*?TXG M>O?;>4K_W#*:7SZ97#[MG.]*Y4L0:A9J%T.)&(M1T_=](*F6[_DZ[MC,6+MW M`W*MV64H*G`>5H4^""UT:KR7#Y54>!\33G[;:>_VQ+/X_Z;WFOJ@.;[!U(]L MYUVE:NI,7,)Y)K_G_\67VAJ*;-[WQPO)/3QWQ!ODU2_@H#%Q>DRL2_HYLXT9%2N2Y3`NK<+"JBWJR%Y/-(.1&3Q(Z*<5),Q&<]==A8S9)J M\/"$XKIXI/X67DSK?@WYC@(E@S#@NO0!QFC;V\'K.`NRAA.HP?TYR-['RR2J) MTY1L(W@`D4]<>4%>/ANROR"ZC&Q+^N21L1W1J:!-IX%X]?##HQ<]T#5SUY@ENEYOV,>%[9\G MU`^R=]R0@-I<1<`$UU%QYFGF'UE>>[N7EM-3[FZSEJP-5:47V6,.4$7\7J3T$<:I<$3/$[$_DV/&IY3 M'-5]+&_GOEZ*Z8:!?;F5>E;6A7;"=F:=KF#>,#O>IK^4?`!HW$+S`.828JT9J9U#N]>'SBE:5X\UQ2<" MQ3VO;D:\U2H1CZ%4;TCS3!;TV%A!026/,FFT8G$HO&$"+UPRJP5]JWTHKP1G ML*9+'SVF=N>41OQA..XRYM]O;R]DDV.&SH,<39.HM>,;28TXR<")5+ZXR%;< M;"V?-*@NLPU)OFDO@2#O9D`6:)*UN5U=/KM2N5;I7DA,3")S"7$C@ MGR$G3U*"0>/M69`QDFEUL:^@-2J7I7!^S:_](A0?--O#0C M;'*K!L`0-XZ&>5WP,4BZ)6;4\2%T6=R%;]"VN0]QQ!13PEQ*J'K8&F:>!JWA MWCLP(HQ,"%HU`/@*$0(60M'Z(VW9\ODT2&D%[2>;& M+,0_AOD%XVS"M=,P%FEE\K1_K,W7(EG<%:;D"_)L9K4D`K6#CK)>&,:?&-A: M&R1WU8$.I$G'7QE3GB<\\RZ^^%6RY-X/6<.7P#"1,XY!Z1[)V-5@< M'99C9)DT2@J(*^_LD4(F-DY\7L-4'C0'49ZFG3\3N$FPC,,@)FE^H0)FSCUX M)YX1.BB+4?=I=EH4F8J3ZN'^F/(* M>)PM#:(T[QD5'2?Y7.)EI)Q,SJ%LU[W:F8`*-:4#DU;>BE8M'TD2K!XQWE\V ME@I-ET93))R$J?5O>O>T.WKO/VXG\$ODTR7N4E*G7: M!AF<6Y?T7>3T36H+HW%^1A5KQ3,L^S+M0BWNMYF#*_$+%G%>!.$6`E-+.2R] M9?`X3KKDD>=0#A&!HG)`FGE)!C\G`RV(M6'$2E'V>1PH1)HN MEHD$.>C))QS`O#F;?Q/=03%QPC;.>VUHNU#:<)WWCE0G0'=SNUG^U%G1Y(ZG M(DI`1/1L<:\HQB+$3H9'$&)=$(*%G[4KHO"&.*1X#.FPJ/6LE-/;MK>7E'V>?K@.?=U^A&6^3C,..?3"9]/"@`(E(YM MO.NJA:99L.;NR5X3'CBO@JR,%SW_/6U7'_A\%D6F5_-5U#A^.M'^L%W/:7*S M%!W'@"GS%F2IK@\B@>3:QY`BN<_(8C!P:S6<%.-1N0:&:"456FD'6LYM<#]; M*MG87IX<\#H?/*0<+*$"EZ8WRPO*;T/^1N& MP-L"!AZ]K?VEI7I;]S-/Q]%W-(7GD[.`N4-YE?69M_A(_6IG[RDDK70UMSI@ MU[I;AP1-#[R<2XK)1,S>86\!P/ZA2D83PV2M+:R+VORCN<":_1@ML$26KI!U M;I2UQ5K)+.O*](`4T/WU.<9*(;VVY$,G./\!'CZ03M''+_ MIL].R09&(,CY]F[V@2;K_+8A"`OQR-R+/I*8]PU?TX0?\(8T\N'<&PYZ@VS+ MZTQXQULX$09T5ULO\:*,PL7&E*RWBT?X[P_'19:X.#WF-R`W2<#4P(;!92$I MDCQPNP!U9WE;I6_X('K2HA->ELF#AA??;.;0?3J%RW\P)483JV@-1 M1GZ?UW^Y%V\'BMNWY5Q2GRS<[BFO_PY8`?1=$]#JC:^VLD1YPU]*O2XH!R5$`0S@^DOK4%C'=0%%KL.""B[%_H)7EZLGEOXR0N@+>IVO>6-@JZCVB-@6N4&=E9T6HE@ MBVB=HDP88'*_9Z8X[/I;,`"=U,"3ZXC4%D#AR(Y*KU:*8"IC&`OQ6H4#1-O> M&EXTX+?4:MS`AAQEWN?FXZESRBP%)3ZS_@MXO;AM9%BV>`IJ+TG"PS9-0<5"=V*:NO=L M[,N283Y54Y#P:9G39483MN.'QR3>KAZO@B>^^=YC$CNJ7VGQ@_%\%$DY5"UQ M9^?A4TSRA0BLA$,S.:5C35EE,5E"QQM06OB*$T:13;N>DH9@(M5IL.=\^P\T M4M)I@TR,VJ+8_2E5TEG18??!YU*'L85PJ#`GY`/5Y<%;)5B&_0E'D^IT*RBP<&Z"YW28]5+Z!(= M?-ID)[==;GO4HZAJ%2R.@S9QQCB"ZA8NU+D191J]R$.GAL38/W#:%Q=\.J0K MK2Q3)Z-FTB?5,*-FYFTJG8X#)G=ZQQGE_FF.E#K5TT2D1ZVQ6M+*HSE`_0MB M]X542#;.\=&!.D8F!/MG.3`:QVU2%3*D^DA%"=E/F1^HKS2&^FD<#KT$UTA/ M[;RLXZ`)W!]$.H8Q>=IWE1"N:9QH.S?JD)U[,3I$T-07[5>M7P&T+Z=M5C@> M"7[9OQ;\2MSY_9+X6_[L&]Q'`PV!SQ719G\UGT.7]P?KAWAW/57'0!.JT_8).L@W[%<^E[#)1,PFQ73R$._++`IC;@]I MN-M)!=))@706[U_W1-0`80C6M:NQF@2H:[`-38+81]:"0%O\^]L,Z,K^=%Y+ M[8',L^=S+Z.K.'D6#9]S5?OJ#K39QXR?/U>L/$C%Q2W,T`FAJ7KL9W=D`7QH+C;<1URF`,4G<:(8):T$CVXB4JY%JN1D1 M"^:W_DFU)!P=%(O.2+4L-&BH+>RT3[\C_M$)L\?FX@&.>+&C(,SW1'V-WMK= MLYVTKY$AT^P'78XEQ6!$S;=-40D*5*IN)@BZQVAAPYS6(*-K>`"V;`U3:JV@ M%!S>)*;L*\3L*-GKXH*DXW:OA'6W).D3+PS9?7@X+8BV\7:O0\HMO*K&^.,= M35.N^G@)D*@`&B'M/VP;KIV!\L)]\DU,,"L-@"1GEG+M0(XO^P',*&W(_2E=!U8V=?",V=;I:);P= MF."6D3H0CK4K9-T*QR.^7F=#!74JM"ELIJ87ROT4NN,PFR%.]QF,%>_>:`2^ M,@9RGFJU891T5VSSR\6+.H\>WAC"E2TXA-BD[A3<)._B:$6E%T-&\I/DVSCULL9@84>>TG.](3.<\TU7H1>F@;+@/W52]N>4GJ9WB\";_?PO-O;D/HK MZI\RU$+8:.(U](.Y=6\#CM=C;2>%EF]*3HP[U/"_`/]S&[.QW`=]SIJ5U_I?V[9+\$R/M&+(%TPV[)-Z(+,M1 M%J[M#MX!ONN]%HC:KVMF=6431)VN)HN2:\N2:MT9$2N#9U$.QM7-9`K*5D1( M=^BY[UAMNDB$\):Q+:DVO(UL2:2GTX]W=$&#)\`E-6U@VP;"M8/3CE;S]FHY M:LQ^L=+F`1;0.`W#^)/'I$C4),5>E#\-_B,Z-T3";DK.1C>O32K-DH0T$J.F'.*/I.T;W]#3RKX*(?0OF"59[?8#_I^HOF()WY0R8DV.?CPM( M8)$*6,Q4`[09X?"(%_FDA$@JD.1W#A3/#=R!3"(U/\,X9$+?6W%W9\^UG;)- M==PTE\J:;7^[:H6-BLVXTZ8-=&0H<$IHR-M:>,]N=7TLZZ MWWY*KSD-?+9\X(7[.U)K%:,.R)T_W8]BT[DNY[1Q[UC.D'ZWU('(H3$MRGS8 M$SZH,>%T\G4>K]B(EU0_]<)S;3P4$&Y>GRBF3"EK0P*/04BBLWFJ/*ID MZA09=$AI["H)%MLPVR:F-DL5C)OB5!7T&B=9M4F(A&@$[#!4=)K@4'V4-/\H M\9+W\%W$ZXT7/?\]);S(EBQ+#[I*6*2B(3#T"(Z)5__6M3%82C"5Q5-20ZDJ MFT[C0NCHF/A0G5G49IX]GT/U[,VR9;3)X8R=15V[!+9(US"I,`'$J"WHG*$^ MPK'*3:8AJ#$K(9.Z[CWKG0+960Q1,M*(5$92ANT`RBK?Z.8QC9EFRK2/%UZF M&;]KX$5FH6@K#->VI@.Q9@J$^4YB'"^0P1EFZB!#^3ATAD[&:(J%:YU<-F46 M)TJS9+O@G;/@I$TO-]HUW96IZ$:GI;-%.3*O)$.4_#3$(W$K+UHLHF*"Y.PU MG93\'*_IY9_;('LV-RJM,%P;E0[$]ID,AA$Q#K%1T4&&\G$S\@C_"-:;)'ZB M/'N>V1\:/2K9'PHP#\I!W/@W!`>-8*P[4E[4"L MD?`OAR$VI(JX_$H?@P7"FD,9CZE5AW(KARV+YMQ&_BS-0; M:`ZI#Z"O-MQKR>(%[>MH$:^UF\TJ0G7M&"@CKZ4FR_?9Q714,:@QQA]H1OP" M,=[Y(DZ"%7.!1/-K:O-ET;<"SXCWMO.QX^G\P,L MR'#>TH3G'QGY[C,OVZ8&]P7[X3FNT5%!N.-B%7,1JKFD-IF(V4BO#"I_8I5: M&]7OBXN1!]T:5('LVOIJ$<&8O9%?'-1@`9VR3?7O/QW3?XBCC=@*E1HA+49U6BF=,DT1Q/ZM MEV876UOW#UJ`(C$\O:BKW%5/9T1,)3"7L,D'=(6@^X.;7A'H_-J(&'MPD7\K M.$1E_!WHFK+S`=3JRSZP;C6^Y.NZ9>+7QP_QMV\OO.KA=&/C)&=SM]+]'=O;#TK2 MK:P4NT!B,E7=:"M*\W=^!#G#[7".ZUOCT>QSVH+8;36JB12E'8.#@2^>!PW@\=QWQZCD/[)B".. M'TML"_3CA+R/D\,P\5JB8VSP=>0&VR7U;9)0]=(D+9B('``9XBHZ848*"+7W M#&"^7V^LBL\OBR&3[0QQYBT7"_`AQ>&K5(#>`H[;,+:08 M(.85M/RL'F>H;D2&:LAAF>TN9A]NOSLX'9FP[T0'IY%_GP5A>`K[9A-',>_R M%0_"Z/<1;8".:`3V4'++X9-B@>%Y0OT@.X4W!5/=UR^D,%PY%CV([?-Z,9R(\:2:@*U05>6+2[H5#)^QY:X,2&35I:8;C6IQV(-5Z=%<-( M/@YGP8T9+NBTOXS7E'2^A-$FE)CM/,U8?.,EOI[";TYT]FAS"PH-9JK&X+(" MFIM'8Q,Z^4;^VG,'TTS'[Q?Q=IXMMZ&9;=B;[=HJ-)#9YYQB`$Y#H+Q]=+J_ MG8N4M'XK"TUY0RRKWS;^0)7+'UIFNKOYU8*$6@Z4C45P"**$`*Z.'=V,TW,U MJX-K!G1K;4D^7J\W7L!BY]^"[/%#?"=>YCD-P_@3W,DL4I.GS/HDWJ*-Y5O% MW?M._XE8A/\VR1@HS=>>.:%\%OE`P=+ MRSD[F[!&KD;"N%`V[7;^4Y<*FA&Q!"G7(/DB"/R"\9H^Q/[J#)%O[X#PE.2'MJ:IBG;SAZXSD2Q&QUB&[3YHD MW"4$5V"K*/B+.CD:G$XR1O6K^D5RO&RU3I*Z^;R2,7`GKY(-((5!`GK:K+.Z M@V.;%!Q9+\*26K;(I#*WQ0;[H_%0C)/&0Q0PGM3Q$&T^:@(9;?;8"<4PY9`G M8'R++L=AYI.-LLDFH2R.'+))5#Q:YAACVG@R`AUP5D8_13P251'IDOW=6O1C M&J`1>RLM9-#4#`VE6FG/O_D9SZ3GO@<['F//+U[[J6/9UX:I*.<]^BM MC=A;,2&D)0W5..R!E0A?:JSSGB'76,8FXHLY\3&2RS'2+RI".N$ M9Q<8MA.=?53U3G!$-[^#.*_I0Q3'/1XCSC0Z>6EC2Q2^P>BG*H=W@F+KM.2P M3T7^J4Y`QCWMP'^R,4HRXC`R#C;2"@>7-GC))P[V`W_;Y=+6M\UR>KC*WG*]SD)>SZ@D<=N;- M+K<.=!-L9=#LZ(0RL7<5)W!V?!KY[ZC'&(.UWQ^<0S_.X`@.0Q\K5BU.4#)(.I^?BP<_UL29/1FN53N:ZT*SI6- M4T?7@+=GA`,XBAD$!`;,'-?S1R]9V<;CK<`CHBLX0G&/B3-3JRER4LNJ)V\X MU`IX/RP*>+Y9GGG^!9UG;=K%6$FW0,=L4EN)H:U[1#8-X)!XR1QIGW!0B,+L MP33(!P74B2#;9$=;CD,GI]L]<=[?@E`M;"/-&'[H>;3)4EA.J\W(I'2678G_ MU7Y-*],"+1DGATWQ)J35KE8,@2PA!X3WMN(`6=(Z03<7)*>/?-6W+1ZP$!N_ MCOS@*?"W7A@^7SYYX18\2#9&Y!4`BQ-=%\+RZJY=#.O$5&N"NRN"^8LK13!4 M7XB4*_&1U5J(7)31:6A$$.?>S3AR:OHXV'`A1:GASN,PI(LL>*)=VU?-P-A= M%-$;IX-(9T&=U=>93IU9>L3<*O&,*('I,=7A4JC[R.I@$42HM4Y]]D,01UYX M';%OO_;@'[J=T2VO>C!^6!_Q!BHL]J=R`5);`5N[]-'IQA]DQ=,9?1PAL^M, MJ4B84W74[^L-<)84@"-RBI1(H:9+$(9KHU(!;31FD5,-O15E&7"J!HQB)EVM MC"-&TE7L%F,B-V&/U2S.RPIR1N#@@6Z$U2"FXV`*_+B'^%<&G-Z!0]);D=(Q MR\EQ4=OFVQQ5\A`3/HJ(8>X/;Y1WGL7DB>\\&6?G?KS8`B=Q9]3:UN_HAFV& M@4U)4`N2XB4_3CK*XJ,Z4E\Y]P;DHM!]1-0E!]/9;QZ'W8;47U'_E*<]F))( MO`87]BFX3CBNK;`$P=:8E.1CB9>2:C2JH%P#I7,O29[!=1#RD@M02C8YDDP] MI'2Q32B9QTD2?P)+NHU\?+4KE8)K[\DWCK>@MDK)36KGA;$T*/X&HNUA%WRK M_*MMJ[5E`YMJ*$+P=N4P0*O6`>,V[+LD&*80:K`.R.#+*]Y37=D/ZF* M3$$4,2@"2[QJSQEH2L!TPG]/DZ<`DFVG:4JST^QT';,]_45]'LKG/5$&7$O4 MAN_:,S`@R+X+G#976[=C&YH$L7^?,2VI9J9?,2$3'0NTR MTKNE.`0QRAP3AI)8N!4I9[973AQ(5*A0W2?P4I/#3 MXI&-P-S_T32#4S*>'D=0Q*:,=ZV2;=M! M`B3E:VIMPY5),;6=OTP9WI\NZ"9.`^T"\]W)KBWT/BK[/"7^3O(!J,QJW];/ MMVD6^P$7:([$'&E__59V4C*';;SDP-U]%WCS(`RRY]/LR@N2PA/?JE_"4@'E M/,J6HMGMMY;3P'>%B:*^FT?76R37QF>12I"=659=)&OC-=6XF@F(TV4+2'_$!;8AD"J.@9&,3^@Q+!ZIOPWIS?(\7F_"`#8AWM1;;4-8]/E< MG*C1ADX.9\#Y0/QMJFN/(IV-!K5H3"" MB"'D=QB$I]I+\B&DYJ#[*XS%+F*ABWCM!0U78%\0&^.GUJDM&V[D/W)^$`/< M*Z\N&K?JG`X"#PA*?J-AF%Y1'VZR@3YZ3]=SFJ@J!1D(I^%&)UK[[,`'DGPD MMW+D=S$81R^EH=@@B@TL8N'6PY?+3+\[+Q68Z7SWX>[*NR"BUQE=*U]/L;FD M*W_=+MF:'4JL>>>P#.'KN+=R(_*=#0).;B+ZCXG6]?,NZIU,= M4%P?4W4BUW@?G0TD;"0IAA9R@,(\FZ%S7=29DE=PC3/'RX,*B/3+&3E=9%OV MM_;3!.>'6W*V5#KEDO*D:P'+=0+T.LI_<^JS7WF+9U4KIPW7E2DS(("R>!9F M2G37*GY90$)Q1F8+_1YQ?A]$P7J[;J4#N=TFFYBWHG8G[G:86,4<&TH&%I7P M$)]1<-[/JUL"=LRQ;`&*K%`[>4X8'>0^C@8@.WH)V%74MIM[/2 M+[\#E&+_#FL6S*AP09=,L7$=]>-__V^<)B<"\SG_].WD\5+B MPT0V((A(]DA)4AU#(BMRUI#[_GH(=:$?5U.9G_Q86,'))>*A1#'6!:'(,)>RJ&C6IIPF*(5Y!ODU.OKR&IJ9P MH=IFF7AK^BE./O+)&^&#+BH?U.,^*)+KUU:46_"$SL92V%U3 MPU,[=6W^T!K('917.^@\3UNQCW7&A]MGUJ3Q(VTJ_Q:>[%#^(A'#U`U=Q0FG M+O.T/P'%%S6*'YH1&$V'V73;[1RZFIN%AQC^^ELN?6KISD&PL7KQ'80PU_A, MT?,Q!4@,RR^C(2.)TRG5(),G&5\U#4G5;LD.+JA^)>*Q-SI/P)%NV,@)CCY5Q;_V+?7?]BW].?UU/2UMUX;54M+-DSY@.O^ZR6&,!??*-EAC" M8JA!/Y^)F[8ZO!F#'U:]:)-!Q^`[FGN]P M"B@)]T%?]]47%)4"56TI0:,@[-WXU5D!J16W5SUP@+=^+1!#2WV\],N_!A(W MQ/-`>/UW?XLFN2L3D,@<$0LYIPQA%LDBUCHQ!=)[,#J\;N)18([MQSEBM;LH MQ! MBLG!B:N#$FL'(W@/0DS2_H=SR&%TJ&$@NXXU03]^0OXP$O#C)MP/+,%N+3_\$I+G]I+E M3N,&I,[*&&GR`TF+7WI)%$2KE'V9^T&BQ.YVF6>(M,UY61`W/MLO2A MVGA#-A\/7$OXC!GA<\COQ2P:(BB0H06:&X9F"O-^1.<@*'&IDB.@PJ+3 M25\I_*)?[XI:N?U@+HR[[JH-Y^/+:QTWFY: M0(#>40(&J0')!1>%*;>&>-%G.RH13P7B<1WQ.1?R5T&4__5+-,;7B/FE-M>$ M\Z<3]HL@W()C=$\7VR3(`IJ:VED))-=&5HIDHX-R/IA4HV?DH+DD?D&%M)R'SP+W,Z^2^>WEW.G$\3I:B#>!BZO%0DV<9ED2 MS+>9-P_I0USX"-2_]9YA\&F2L*\HWA)6-<@65G)EI:T0:9_U:T"+1A*YR:[# MA7"S5!"5M/"11R)VS9049AFB\BK!>!^+O02@SV8$!ED]0^>#-@R$7WZP"07 MT:,,IM.!IU$6^(UH[/+S(MSZU+]B!&.^U68K>GO=+/=5N*@`T_5;["SJVKNQ M1;I]B:K#K:5$2`&9`!N3&FR0M3;'::3'`H8X2Y/0K(B-Z`[!%KL$:SI?Z'PO MJ[*IY*'9%,SI=-C]XI'ZVY#>+*^\(/G5"[?LQ^69QSAD0>\?*#.```PB',"(-Q-!=`"(?""R)2\CL'U(B^G-EKD^\N M-=8&'WTZ+K\*(K:-P`NO(Q8O\8:;IY\#[3K#+C"NK6DW>OML6XXDU5#R.PQV MPII&U-91RO(O-N&]\,2+TB5-TM/(OZ?)4[!@NI^)2G-[Z0/;2]K^IXMX[06- M+K&=%UIMKNGLCKA=PJG(`U/68CP>;3T&^\AO*-OGG0EK0./U.LC$YN++SQF- M_/.$^D'VGD($J5U=W@/.M?;O1[=1SEG-@",B,8>(2>1W,0U7HG@PCE3@N."3 MT)DZ18Y5J]-68M<)?2^9.W@1I(LP3K<)O8Z6<;+FP=&[(*+7&5TKGPX/6<*5 M81M&EH8=ZP]!((=<0"4UL.1W`$PX9#P6SP+72`W<<)9Q($'5OMBNY_N[%AF$ M=X$W#\+:L^+*P8W9*JZMGS%QND6H)B@2:1(09Z2$BP&2FA$8])61T>N@RB=992L]>6^,F!Z)T] MU[[U%;R$0Z/%LU$>4@$D&KLL17M?,&I#23D6;8)2_S^J`>]MVI)>/ M5`'E7-E+T91%71V)ISEA`,( M410^L6Z4TO]]'1N7Y@:'ARS=0%$9&@GJDFQ4C:$/(7+I_<#Z>KGGZSI@Z.MH ML\U2+EDG`X.8%E!H]'`KFC+E*R;,")]"3L9SAS*:#`U4E)#+$<$9:NE@D'\: MO-:P6Z3T3&"G/+E5$]\8!E(M()S;M%:TU-7"-X[4@@6D<@1P17H!K3Y M7,M?Z)03MV+_VIYW\!JQ=_#:0`V\/A3OH!NY'!'TWD$O!H?D';RVY!V\=J0F M[C,OXW'->>BEZ?US$X)KR].*5!]_.@`B`J\4MO?.G5DT*"#7/(HO19?\NP4(8SG2&X;,0 M^*0PWCH:?KS@=XMX2?8(>%S0=)$$F^*F.VR4Q`E9%(*>M./YE7.CHBI4K39% M4:(&B/M5G%"HCZ7^'?7"RQ2,EUZXT@?&E<'H1Z\1II2#"8PF8CBN4HM!6"6` M%>7#)U<`EK"YHQNV.U[UWHZ8$XDW$@P52Z\F7`/D_SP.0P8N\<(+NJ&1SRA[ MO=YXT-?_'=P@T+#\BJ"<.`'*:#:O610323F3%%,)GXO(-["`YI%?HAD4:/*[ M)`A:';[#UIR.6$*I+B^?AY'O%=BMZZ1QE"=<%Q'JA($ M&UUKBJ&D'(O+[3#`Z7V<9"MHGI>6R"70-PY?@K&/$Y5B\1XV/*PK9>^,;WI; M6=3YX:8ETLG.0<02_#I9;9&BK-2'*YR22V=\*>0WQ&WRW^AWT/:9SX&\?J`9 M1V#X3?$F)->V4(JD3$S8>"$JY%4YY6B[UXSAR%`%OUK_2^_)"T*>M8+W M+5,OM!^86SE'Q(>6M"_P.+S8X$-TGDR_+M$[*>U2)--IQSMXV$#G8+2:X,J+ MJ&^Y$8C"W["==S9H++6V^P2>F!?,@L3Z5->V-#@[!>F+9\@V45$KS`TS' M-_DCKWK%E[N37.F2_:TW@NS\_5H4*4C-3:/1?ZW\(=6!;$^*@U6$7_'F0Q3W#PZ'=[*/TI:O(UYIN-[<$GY8<$#73Q&P9];+<>P M8[8KS=Z)S#X7E0-).1*;`RG_,%)-*OTJ+EG+K&"N$XYK12M!4(GAL/JC?1]. M2:WU?+4!Q^O0?0XZS%'_W$L?K\+XD\Z)>O=L)X?H,F2:[\$58PD,)GPT#C=U M""X+P&4)HQ$&NH^^^P1HPC>I^-%$2U?* M^DF$KK51`^K:]*BBWGC_B,^;U9YQV6D`*VM/XC0L,,6WPA.=E=7B7K57F318 MUW&SBJ9WH'\LW@?/^8EW/\+*O5);_$<<3U"3/^-Q<`;1K8ZI'!F69K4$@-1"H[.HPU'^)XCE4HO%3 M:7X#%)V5-6!Q\Z:#4OX>)$7/O\%=8&G:YJ`3)-U7GU[-/<6'QFLM)S] M%7D`H/>G;(S/B.B!]#.@0;1(F'X`*+4])5[&_@:+P%:609)FY/4QFQIECRGQ MEAE-RK5(G`2K(!+[@I)%CS!U",]`9_L@`1I;#:8CR3(,T5O="8@!2LM9SY(B M:7+'OI.Q*]4""HWKU(IFK_:=E8DS+E`8/)EN-/M]EV(NR2>38C8Z M9T4=R^)/Y)6PAU^2WT[?X_-2U!&J^24MN.U_P74^!*<%[Y%)99LM%TA[.N0\ M3N%E2'&/2-GP*D!R>P&_!\E^Q<&GD(>8Y)-0&%XCW`0F69S?B$-U!U\3E9JB M2'C!:KPD^^AANXFO(FX*E_$59,U)J_CZ:YD_)?%VPR(YLZ?A9+"<'U3($95= MWV#A]-G.@Y'%9+Q/N"E\5;5L?O\GG8YG+],L8*X#O5F6VVLY!S2K;M6"[3H@ MU23$/F\7TT'WMB?V,3;7'(@TXD-R$[Y6BF0-F-J%!6I1,%=!Q'X7>&'5%-$3 M!PWOC&^8FZ[CWG(9$TAFU=I-VHR4D$D)FA2PD5\<'\A)BA9Q$!LA*!P[G:>\ MSX2UHK$2H&N[J(*R5K$8^;V8B>L"B0FBE5Q[?/:/Z.R@,L<.*Q3;8]?I)++6 M7$)/+%NUGB(T5]9+&=E&4_%J(CZIM(MJ)9)A!<*)7`[A,!7KJ<6L$[82V\Y3 M_L1M=OG$_E]7UD/>!*H-AFM+V(%8H_-&.8SP<2X3&OI$UK$&DJ\T(!-_NDHH M=_=4[A.VS'!R-K>_Z89'5/R]X[:@@W.IOBW7LLKLX]%5G`1_>47+9S]8+FD" M^,"6>=-GKX"'I65C*R-UGS2U<9$--M:[N]@ZU^FA41,1"7-WW$QT>)C2O_T: MHY<\S,N]V&Z1'9MT,%7_04D[1UG1TI%_R\AYLSR/(^;HI>S[O*?)BB8:5RN5 M@3G6[;VH=DL&FTM@,KF!L[EB.A'S$5W%M((LE!MN`%EF%A85LFL^'Y7ITT:R MIBR":!DGZ[S`V^P&Y2DJI MH*C"CC-23,/WK+;R9Y0F;%2_X0"W[#[[=V]-TROJ0XOY>^\IB%:\!V_L1;6J M=H-'9?0@.XU8=(G0R.!DA`,@.022@^!.'`#9N?.!JAN6)?R_$@1`%,8-Q4GJ MMW5^<*_E@R,+"8TDOC]@-!%W9SGFQJESGS7MG._LOTH*WFU+%YA$\D^4P4=G(8IOE? M\#V>HL&OIF%4![/BD,D/-+N.%O&:OHM396.@#A!1B-6)LJY4PIL.`@!Y!2`: M??2='/\/P1@P"O@`--90FV=UXT@IPSJ5S6)CEUX2@0]Y2Y/[1R^A%T&XS:AO MP7SVK8#0FO8315>,"TB$@2(<%ER1YM`0U9M;(47^%Q*5&,O2:O?3J[3IB/"I_Q"Y)&7WP/E"*>*=,#HL"@J#%/_14U;3*TIOMAET[/#91KOU9:O%T07KRK711[_9EJ;0@8T[T0(*J8$93RF:>#G#D5=1 M`^)')[)OA3557"(S=G=7%,G6,SF([`+CVL7I1J\W>P5CL9Y$]GPUHR+)W4_F ME`/U3B"[`2!)FNZ@I,AWV`X:>[^23MZT\8F<<9OA8]*M0)#INNY3M$:>'M-! MX5!LL.MJDT>C)>PV?0KE/%[/\_9]=W01KZ+@+^I?PWOQP3*`2OO\?5U10.#O MOK/+FXB*/OOL#Y=LR),7PN&G;DYTI%VX3J2.1MS.M$UMQ1FIUB3U18MGJ(ME M&^]1YRO/Q"L>\-?:ZM.F>7"0MZ0#?SN#=A/#>>9W7'%62A>/*LL'JB"W"5QB M$2/?>\E'FL',JA.H:7IZFLVY=H6F_A13:5>Q%5)<8Z]V4^O[B\J+<_TANLGB MW"]THBZTDM-3ZHH7H*89%!KPEP/<>+-=>WD1/FTWH1WIWMHF4*3L'5$;RBY3 M\HHI0GZI?PL=1]:\;?3?3KZ?O7G]!D]Z?TK!G\[OE4O]8:K5ZRAC/!:4@V_@ M'8"'1R_Z*8[]3T'8$(HI;6W_YEZ2]ZOR*2;2P-562B7,=T,RMAU2[.?%NK\F M7^(\3N"ID$V+E2D9[,Q97)\V&JRD[=.)F1G$XI M3F9=I]:&;I2?>W(^Q%G95M3^T1X`/TS<7Y03W:[JI_X`AZSC*X-5^]N[.%H] MT&1]0>?*K5^GW=1+<)-52#^1D:@YRSNM;F$W1QG;#H']O#@/VN0+7(@TQM:HJ>$':EP<2+KUNR:Y>DB^_$OP9G?).9'Z?->M%<:-\1V34P3XCG7BI"(R MM=_9%,_#U'(?J/:;2K:7?U$^(YTR*J>3A]R."0FM9T3:DGCY[!>:NS7&_V5Y MNU3O_:QQ5)-3S7Z?T4VMO0;<#,F>KZ.,,M[.KLL&M^4+12<#G%7]M1!YIB:$ M4E/4`'FW+Y``3@KH)(C*YLKU][]P7AFS02B.XQ-_XTQTX$\#:&0*\+!F@2=& M&Y.';:Q#=-UI4P7B5,.>>/7DI_8C]71N.45X%;<)%55D'H":L1 M1TV/YK!(`6Q&`%S-#YX1`1&[5VM&E.)E:Y_,:O)DD+H?L+)CC9PZB<5T7+M>M9/ M20Q#RDMSUKPE];40^DPZA%+SG,I<8`TD\YX`**E!' MTSP$YTE;?DQ=*%WA<=N_FC)F9/9JQ?3>KW$61*LB7BS3<[H9+4WHKG-8VL10 M[%U=P@+3*Z"5&:OJ>`%5NF8P*7:1?A)(Y[U:76;,;?*K3F[&2!28OI)$Y(`7Y& MQ`(@>F()E(D4OUYLP?J:4#[KY%+&/]QAL;ME'4[6UIN"===TW)D?SG6%P0W,_ M7<`B`EANI5/FU><`B1A<@B0`$X7]MD@/D0?(W?%MY#.++L7?MXNBA#@\>\<4+573`OALA_;^@!J$!&X@ZH M$4%B.7F;S'QDO5_PVCIS`8^45[CU!1?(329U0*P]E3LW+$&K*;#^>G MA66F`F80/@5%\D$3)X%'4."Q@&$SDE07/;V4>!&)JXZ;SKT"';:4/Q';QY/M M_QOD05P%$5LC\,+K*,T2KI'3WX+L\6:Y//-"6/[^D=+L+D@_/M#/V1F#_;%% MQLQA*@]K#@U MROL66>*J,^G;*TQ>EG0):G1YQ:35I^QOU/]RQOZR"+?:/@$S6`Y--CL'@D<-88Q5E=1P21V&$),&5(T7Q+\7)Y-,\_ M4PH$^Y+,Z<+;IA0F/0->(K8$-;Z:W=_UQ%JV6-[) M2\E#:67*GSN?UXH_\$OZ4\Q41@2KWF_B*&7^OW$]42;)$AI*@J,JE>[.M]- M'@+-D%F'[7T(O_Z2DFII4JY-:HL7U7_5\F;/+4^/=)]?D".65HCEYX/S9_++ M/5E5A$E+PD`?"6'>?[J_3+\<9D+')T&/$:V6/]I!,=\`?_8U>T:.H[2J0PW# M&@\XT\+#"+6CB(=H+X'^.P;SW]C/[#]S+Z7L#_\_4$L#!!0````(`(AZ#D>Z MBU#V]T$``#2+!0`5`!P`=V5F<"TR,#$U,#8S,%]P&UL550)``-O/\Y5 M;S_.575X"P`!!"4.```$.0$``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`U?ML'[";7(JF)M&6M'OQ\C;$ M7TWMGA5C-T3QX"4I0>/Y>(U(=IC48`YGC(:S>DY7*X]L*'^#1405FYE'3[[9 M#*?TZ(L6CY0TLP#5F*GBN$TE`Y$D&SQ!E&?7:(WC(*DA!-QAFE(6S5(2)!3E MZ-4+0N\E1+>8/'NLIS8UQ6,UG.4G[$7Q$YJAX)6-2M=T]LOO*/1KSU9A3`.S M?D;DE0I1M*@WP7WWIGP^V1B?T"(-/7HIV%QYZR#Q0DJ!Z^`U\%'D/Z$X(<&L MYOIO\*V&*&\\0O?Y1?R(R/.2[N[Z&,;HO/W-';#B<;S^=E M%?(IB+_H3U9G\*8XO(#\TPM3=(^\F.[NV;=JS)@[3./3X25&?Z9TJ)O7>M,Z M&<',>87EYTKCN/++)LZ/)9(\' M:?\<\?A[>VU9:?I%PV=*71R"<=K8E^M.4398)QK\-4KH=C!!WY*TUK6PUE?: MT.Z;`E$9M+5=/?^.T6V]&++M.9^U,.FSUF=]WL*LSUN?]44+L[YH[S[;>&]1 M'=F$[D+*&D;(?EGF&D9,O^?779_J0[>N?]5?KQIC=X6BQOK5&+LK%#76L\;8 M7:%XWR**]YVA^+E%%#]WAN*7%E'\TM4^F]0^,;2_8/+.6%N)XXYB?F;U#V+9 M8&"WV_HZ<^-/&K[?UD8B&JB5^=47GXKQNK/W-@52_U-MV!QJBXUTM!9G6D/U ME`_7XEQK*)CRX0Q;W.OO?H*!VIE?'>N`:"3#,SR,13`W7\&XK="WB=U..I[6 M;'FQ?2$A^86@'V;Z)Z4SWJW>FK?T;PGF.I>M69G@'TP2AZ\ M%>),6-1TNCT2R^P;D<.Y>F16C$C_>,*[PT#R;8MWZ^S\?3M;!N&.[7."5_KT M*^:"*Y&\P83>)O_^`^V3QG22>,V&\L).6'!%D1!V)_'1M_^'-E(>'+6=G@^7 M":=0"BZ<=5%S:?OA\@$"9J"'Q<@N]!M$")R16>RP$2^!QVTG/X\1"[P M@10,>`]S#.#5"D>9<3.SLL7C-&'I77X6"BL[$R0=I[\,EST5N`IN_=PQMPI8 M$SJL@"_E)M._#9$#1P@*6O\"1.O=-5QR3G#;3G\=,O6/H11L^%O';!C1R?AL M0K>A)]J+#MI,/PR1[,<0"G+_"B3U>R7AEOX25\C]4>OIV4]#Y($$3<&.#Z#L MR->D.D-*[:=G@[PS2_'L[VQ\KKP[-N\D/QS1&]Z.5N`\G\L\F_(O*"]Z;:;CG)$F+IGL#^ MPX(I7KV0N9-&R95'R(9JVIE'5,)@I?Y`=BHQY_@<5L5B!^-Y`?,:?%?H#F0G MTV:[&A2Q>7)(;+]%%(07WJ:1'S_C/?DX+#YN"F1QTV4G9]IB4^>06'<<1;^/ MKY<=P,).0*8[779*`8AMID-B[%9B?\A257:J1,%JQY#H):ZNZ`ED4=5FL`$-LPATDA3<10FB/$GV6"7L/FT,9#'5Y2MWXF*S M])`8^$CPFEX$-H^AEUO)Z`UPS8P%5&8EK)1U@[+!ZG*U"H/8$-X-@P4A6/=T M'UEX"[1+;7D*%LLDYO.KH@>4;5:550K3%]O'A[0,GY`7WL3,4#>:43&D#<,?&%R.<4^:QVW:@. M,3V#-20U\^KHH+3#`EQ&K"<%.U+`&IFT6%;-]1(J*QP[6P>&;&LNFDS/8&U) M(C;PF5:>M2E.A3!GI__*0A,>O4V69'JYN<2$X*]4@JEJ-_&^98)]%U$%;UO> M7WC&:@TT/8.U'NFQ6Q^;L?T91BH*XPI%S"PKVU!Q"O(!1[/\+PHV)4GOZ1FL ME4F/_XJ`+/'MS68DI1,].-JRBT/I)]E&H-)_>@YKC])<_ZJ0['`"JO'Y`#JL MR4J/FT<3-^;E`[QCL02%(,D.)Q8UA+.2F2B:R3DHZ34]AS5,&5"L*]#9<8.: MH-4:$X]LE._2@A[3 MTH0I+!/,%!6Z`B@&.JM%H<_(-@?S'YN>P]K?9/*A)%&&:&#%U;Z6'4^RK,]A M+7<&MA\Y.&.:(P]KO*G@F\E%70;)BA9>27C7X M+>DU/8.[3(D>\'^;0?O<"_B[:U*TO8I8:_JL[3W_R$8Q;=,YY/O&]RXY_.2-,+6#-@O9U!'Z,=D>03DI4CW>Q/0]G]\:3Q M]`(ZY[(&L_DPFH>+\^M00M_AM.YNTPM8&V$M?O)A&`O\[G&<38/XFND%K'&P M%J=50!F+%S_F>^^*#1R]E^Q*#QCTDE\BCV3/&>1!(7=9$IG,MBKO..C2!)70 MK+"-B)**1F&(OU8$RE3V!2Y1T#"(40&=,:-)4JXK#.J+H=OKF&24\S,EH`=,][@JTXBH"W#%A&8,EX"R([G^$&`NT*,T M66(2_"7=WN4=@6LHF&0Z!YH=&?4\F'7[(+1CS#3S#['9D8Y?@-77&@F!6KXH//VC4N"QOXOZ05=EL$8ZWG`[*@"<`*R\CHGZ`%=U\$PK_>@ M6DSZ9_\#\W#F.%5=G'EKZ$(`#2]M?$#FTM!/5S*@HV1'JW@\S]WV8*69\\_O M)J3@$A'T`/2"C/8O'>>3&Z\1\5C2A1($<*2&^1;N` MF+);0$T0!)V!W2-Z_*R4"3%(8%D05+JZBU[IQ)GH[ZN?9LG/7+#VT=D055].MT8$`[!HQO`^(01KSC`'&)A5`;[ZM410C#87@J`>P3Z3V MZ7\*PZXUOL6G4/!%T`/8]R'ADQ)C2S"LTN&V\-3Y">S.:,K'J<&4GA[LM_E^ MM<4FKQXKZ@+LHJB]XW)PV!%C\DCP:Q#3>=]BPBX-V85A5X\$Q_+[E4)O8'>$ M-L?5(-D1;L*5[M&<_GA"!0I<=[D+!X+V4YC9!:3P;"@#\X"CX`"X@J(M[`/M MK]#FN12)'3$H'[T@$]AQQ%ZOB,?SS&HD/]B%?:"+3\OYQ>>Q%$P_+69LAKLR MZ;>(>SKS&T([DW08)$9@QT67HMH8NO9TG;7&1P&M1`M6 MV7:RN?2AJZ5'%N*5QFT,73Q:>[4)44"KN@(69?KX"4H1C_BMH0L^:S-)#,.< MP@F7!:/"36%;Z)+/=?9$+@ACNF4_K@[J1GIQ)^CZSDTN#QPHT&',@AV559Z@ M4\V)&_F7*$)SB==5T!RZ%G,%Z3F;J@2(%=;W\6R6KKUHMI'?[,K-H`LJ:S%1 M!,".J\)=-,=DE3%@@F;+"(=XL6$N7B_Q'@F>(:I,5_B^50:`+KI(&_`O;0EH1"CL,)L?7\*KMV)! M#^@RQ?6T+#$6Z'M-6W=7K3LK=!'B6DSEPVBMGE6GZG-10?&6DBI_MR&E)\D^B#`)DDTIGO)PE+P(P3U*EMC?1^/*_>.=S0*Z+G(- MYWJGM+$CBWA'C.URW1HM*D7PI`=T->6:XL+%84=:\`-*]L(L.WK*[:"+(NM; M2(]G;RR_%_"P*:H[%ZGJ"D9O41?H6L;:#)4!L>0A[V.(EUX8PF,D;7T2.!_=C%#I":P!DEFQ;W)(HR"(DE[`6>QMRI(<=6MIECW153EO M5D3^/?KK+X_J[RC_I0_*:\V'/!7Z`RBJNWE-6,UY%0!9P_ZHJE)J"M;9"193 M.VT(LL7NX&P?W:6["([8FAI]"V27#VF_OBB4.Q95L%*`8=B<+=40O$>K%T3D M1^9AV[Z\@R#BC/`,/(%ABHF`W#O0X7`7)CMO;\6N8E9SF M=^C+DP9Z+!9BL21&M?H]R^J%K3I&7]XXT%SD&O#L"'0]*`5;R7Y.Z[Z\:Z#' M:#X0Z#!50VZS0TIPFEM"/N1VWL=MA>#NQ*&>+1C)*.,+QQDJ<]J=K7!-VARRF9 M$Q15M,VM-[W97W)3!O+'Y,H+P\,%4OD.F>((/:C)9'(G40-LBQ6HX941/->L MQ2OC!W,9HOF=\28J;P5#C"=[S-BR1$DP\\+819>)ZJ=1176GM4K>\A4W'F;D MF!2/%7&ZG)5GC2 M#281C$TC>T.!\NAR\YG>V.ZB_9-GLX3N*"P7@%<50J6BJ)$/]&=7YC%-;"\U M`]V*#;QF30780C[&.*AB40=_[\!4*.G_I-MB+Q/\A&:8;NLA.H`ZP8ID5=A@ MVO@<<&ARVV+7$LD&[MP_?D>H>+I7^P6NPX[`0=!M\9HO696DL&*',_MH#ZRW MJ%OYD%&A^?;1!^/OJ64L@_@["GVZ)AAJK:B@X\[`T=;=2HL2.9I[FOL@-EFI M;.1GE?,8L.W*4!.;ZL[`L=N='T+5Y+`CJ']7A7E$S]=DE-QZ`^!.?DW2&08Z*+Y;<=*E3',7>A_TXM&,JOX97P_A!_$,IRRW M*/(?"5H%Z2I6*P->;T#H$/V.1:TVC9J7?VXF=`+UZ&ZUILI<[L#AG>,BM:BJ M'W1L?X?ZD`HIC-6/!DKCT8[]%<2X?D\67S$-+*DX?6J$VM%I6QE$P4FE/@AT M]@"TA4]&EYU$#3OAZ!0T.W!31L3\+0U*=A2\LOQ:N;*L-U#_\@ZDO%85F"K( MC3U.?5"#.;1CB5C[-<=,5A6OWR@,T+^,`R,B(H)JJ\D'(#!/;0,?]4SX*&Y#"*.`OJW>U"RG2PHZ")<=+ MA]4A\!(&UQ.I>B-"/YS>^2:E01<[PL1.UA>E""5@LGFD%TKVB#Q+@%^S M)CH;EG`0Z*?5N]^OI*2P(R;L!+,TD$>A%_3+[=U+R2%VZ*BMUA3J79Q2I7^T MNC/T:_`0"C2'!,9BO/KHV%(D9FM.!.B'Z5N7L>;D,1=5UC]?UFU>`Z<]7Y;F M!]@;]-;XLFI@M\-`>6J,G00KM+79ZX6`E#M.+WIIQ*[#9E4C]C%\*XH9<"+J M;BXQ(?@K(LPV._&^(98`%# M%^"DFR4A&[H'9B5@]'E_V'_Z'M9XK,!,+2DX16?-(V\=R0.LH;=M>3@S=RWM MP0L.#\Q%C\;SDAK:.#[Y9$C),5/1`Z)L^"E%)(KY26.@1 MM).19WQX'Y"M#85>D&=.%<%X]L!*--9(]C[.\3@"LNLSIU3-ZAJ]%.%SR:8T M0Y5:+ZJ#`)Q)I$$V(Y^]J)[!"8"&.J4JD M+=U=5NK*P> MC%:EI'(;FU!.#P:N5$KYK2&541%A>$JH1P*GH'B$)OX.-"0FJA84,% MDS4+[<8C$86[?Y6W8P$\_K["\A%U`5@^QU-1633"/L!+14)6P5*1(;%F@=P6 M/]]%E!YI=BO$TB6X_E\6V[G>8E0\A3$7QIK4AK?JM*S:@QE0@O3^&RECE9G M+$@-KA[)>?I=3>3VK+GBC9_[+-8R?UVZZY-I-XF]!J!B9Y1U`SBA>--1.:6D M_8!/J@H2"TZK*D36K)[G]"5&?Z9T$M7B(5S_'V5Y]<%70`6S/%45!:+L`_T M`^EBL@H6B0R)10LDBZS`\L@*%V'1,,+B:$Z;_/\U8BDJ!AANU$0U,"MR&)_1 M@FEN3VC-WBO2%P.E_E/@)Z!J2($JKA9S".%C">:YEW"2^5M<1('QM3=;(C]E MY4+$]:N*&NGY8X@9)Y269<.A+8@0,$`"*W;X$BVO0B^.J3+%R<+)BSKOL_?VT-15KW5$MB,IKAMX*=?K1BY/K%'&@JJLTRF,`*\HF1$8' MJQU:\7Z1\$`_X/S=32]DQ052=:%I,BRPYFMVZZD%WPY=EP,]U_K_09%3O>TN M\H/LX^IB57=(8,W5A$@U@-ZB@MJE:2B[.R+>N:TN0.J#3&'KS)D0&2VP=E1Y MV6^\AP:&D!5"FV`>):Y2PAA":4WWY5G^EQKGG,'O36'KWYD]`,W2I?E#+'V0 MTE$8XJ\LZNX6DS)]QE&CS:W)L%/8LG@F9*XA_!8?7H',QM*UV/0C)\OT:;"? M399+.TI&*^8J_POYN4U/:ZM7'6P`V5^-P-D3OU6='.;QD\-@[*'#3A$KZ09X MM0X#MF6S8/03FC^AK$!N9O'_3)E+MB"V#3/ZZ^EHYKXWN#2TMJA@S29PDGP$ MLK2'G;ZV%[+C2;%`Q5F681NF[`J@?\'2&G%PJ6_U<5JS`+E).C"KT+)4G5R5 MVY+5'T=/S.M-J)!EX<-:V3N*0PT[H4<=I!5>PAWNNVB=4I4_0_^/U(N2@''N ME?X^QV2E%]19?U!@/V)#V:D#UPY7XHX$EYMR4NE'@M-U10D5W2&`780-1:0: M7(L.P%X6G;U&B1>$C`*I%[H$*6T$#^GJ!9'Q/,\`8=O+-B5$6J]9V&F`B5!2 M,-:HR-QBH7473S]+Q1JJ[L^=CWIQ?X7N`RHTJPG+U'()-=40'8'\`P6+);T. MC^B:]!;H7P$*?7ICGB'NB_*UQ@'20\U6$I;C@U8\=3A^FJW",T=`4B5 M-,ME$3*+]$AAPF=^_+F,SQ:-N>*LB>PJJQ:!+A_C.\GA++!"';%F)./>^Q], M)O0KV0[$)]>W0';W4!P!V!2DQ5&^4*@#M5XDKO'*"Z)F0I&/`6S^T>!I;:'8 M`1VV6#RAF,5,)/0\OZ?W\@5502^]V1?D[Y'>(W9SEXB%\AC`4=Y:7.4+A@Y4 M8->#0'5_?O$>,0[%7.6T`@ZU;L`W/ACH6Y69I?OY.7M0E$5E,C-<0J\O0\J5=;S3@\..F6T!MT':DYJCHR9^""-TE:"6[%6B-,P5^;KOYW4`7 MKK%S!487%(//X?"8Y+538^TGUU M-)NEJS3+#KJ+2L88T2EC9/#I&>QKW0T%Q2PAH)76IE+$K*7#UX'Y,R3BMR6[IU0`[6D54'JC&+08(( MK/]QL"XH/ACG9W)^)N=GG+"?%<".)I3Q8!28K(D.%TL;X/7 MC"@&W.TUO@/M)@,62V4:0?MA`424$6-+EPF*VA/1JN]`^^GZ(*(J-(*^7P*( M:*MR*2`TK.FY#$H)(P=U]EC6C`*"**\LL)#&O)6-=3T#-:.W9%TJ9#!6.'S MX\"%'NYE^PI7YJZ[)V-.SV#-X!W?=;GXOR\M[N#.M:.'Z5ON;N#I&:S!OIED M&+S>'E#$76VIIF!2^"J_,3V#]29`RJ$2<;ZO75!T?S(ND[)O3,]@W17@,EE% MG._X\FI<$#D$AG5S@$L?ER)VWE:;!L6?#\--8494&-K6+II]BY`_=Q'RQA?? M/NU6=O>%`T!)%<59:F/(&L=2KCP8<%"]T0?C=4#W,C+R>OMA*N(W\SF:)=EK M?*SP-#Y$(8JX4QX`.&B^"=NU@5IRG0`[7F#=$!#'B\'W>//SY2;R>ZP,7CAE MT#1"ER[ITB5%LK][9.1RATQ[U!4896OE@5 M\-EY#G:T6)"LFFEN)S!7I+:EB4"G038563BJV:&[U2==>8F/R2<<+5##=)!& M7X1.H83?>RO)`ZU5&M]\BU5;H`7;?&M.!#HQ$WCS;4`UVZ.LJTC7[D9;VC7Z M;U5O=U,](`5L]K#Q[1-LNU1>Z+"V>^#M48-*A6#^;%^VP2ZYGP683>CHJ>?> M?^[R*'H,D;]`_HC*:\BDCS"IJG'H<,:Q(-Q,%Z\53GUQG/Q=Q-_+XG_091LP M#K^BZR">A3A."7I(F;U[/-^UJI>1T/2C5F]W%R% M7AR/YYS6^IJC_O@]BCEN3;&L1Y6!1R8KT4%,A3HZJ?[XT%''YH2E@3"J$&GH MRJX7WL1)%@_@10KZ[6ESZ&!?,;:S*VBWW![0 MD;)M2X$$-FRM-C-R\#M>H=Q!K+0/$I#QYVV+0$BS-`JL>"F,UXCDI6D* M$27VGS:&?JJBBP/^%+&Y&%BXL_W@^DZWN".WWR>%9&G5(:#?CF@W_*$"N+%S M`M#_S2`B+Z]%M<6852F^\@C9L!-RQ_)P@+'Y=;+/HO"`DB>TQH1.K/917V1(.+U9BB`9R8=40G M;TNYW_/`^5(%\+.N(^>%._Q=^[\+O7?B]"[]WX?Q=^[\+O7?B]"[_G MW#>]\"Y381B='A')GH&.9HB]W996O5:K.H1UX??J\"5=7VH#`(=/"] M%F?K"\<>[+`-!0\X6N?8Z/+AK*/*$T5M`.B@>TV6\N5"':H5-@0.PI@2+<#^ MHQV2:%G%67#0E8:X^57RCF7QN+B6"4Z7GO M#)@&Q$0"U@;#-0_RS9^I%T[P1X+8`S7L(=0//S65&:4QI^>]LY(:D"!EZ,8L MX=])K8+SWCP$UW&M@G.#;[OU1H?A6"-3POC0.%0C'V9Z#FN`U>)NDZ"+/5Q; M]9A3T-N]M*FH;(>9GL.:8;L2E1)-T.6NUV"28/FZW'67N][%?<3EKKO<=0G083/;Y:Z[W'67N^YRUUWN>DVI M<+GK+G?=Y:Z[W'67NSXTOKK<=9>[[G+7>R5]+G?=Y:Z[W/4^)#6YW'67N^YR MUUWNNLM=MY"Y+G==Y`-UN>LN=]WEKMN0N^Z>CG-/QYDR2SQ0/+,92;TPS^-M M:H8X'@\ZH]W`*T"U<5O@-5'"?I#Y0FG\G`1A.&+4H!V;"I1T<.C,^*ZDJY(( M+7IG^AK">^%">$TC="&\+H37A?`.2X=U(;PNA->%\+H0WB%8K%P(KPOA=2&\ M+H2W5\&;O;."&P_>!*\9`!&[.=B87'6`T"&YWU/L)JP5NZ>AFP;#AWNC;O0Q M&[0BF0P(8- MW.PH;L^*L-P3[JK@A@[,-+/0[R(J77325W2V03**8Q3'"I8O63?H2%WCZFD5 MV(%'YHC@5>J3\H[0,;V57--C]A[4L#6[1[H95A[F^T;00;D*[.#S\1""%4K9 M\QHQN]H]2X_'U4HYKSETF&UM=HK`V&%U>DY?Z$TB\CWB5[/UN"UT5&Q]GO*0 MV*%67>/T)9FG824W#QM"QZ?69N4I#$O26KJL-6Y90KX.\(&_H)-!W$-[0+*@ MR]/&T"\G:7&*SVP^J+9BSOL:!?S>10$;5XU<%+"+`G91P(,Z[%T4L(L"=E'` M+@IX"#<\%P7LHH!=%+"+`JYQZ+M"OJZ0KROD.^Q"OBYJV"8%Q$4-NZAAU&`C:'(GQ*?(YH!_^1 M!+3UV@LOO9#]*DM5,?,%J%!K@_+"WZ$,TL<"H[XV-4[U").R>#HZ5)QX_^20 M3QL;WDS1)L6([N'>HF59%'X$*GR]?R(I)9$Q,\"0)#-+*Z%$N(MF>(5&>67R M>Y0LL6]2-B6?@8JP[Y]T5A`)UE91[PYB^NHAYL,YK'&ZY1N'%/=W<*2V?)!_PYT_`[NGAK7*AAW04_V+2E=;'`]:M+C\()SY<7+2R\.XJ;73:W/ M3,]A7!,]$&&#>^5!_^DY;&AWB_?($YR6'X8F[XBBJT\_ M;?VGG-;>.\2`[;[KF5*3.&?^13^M\`:$A0_6W<_J7%(N^FD--R(EIU`M/X(, MW[W$]XD+&.MW!U(CQ6SY':J%^Y)<_[_HIWW;@!A5XC9V[QE*0:R?74$LTPA= M0:P:3!*L95<0RQ7$ZB+FVQ7$<@6Q)$"'S6Q7$,L5Q-*M'.(*8KF"6&ICN()8 M0Q$+5Q#+%<1R!;&&7A`+XG5DV,)4#?BJ#M".\@_#J',&7&NJIX7.S@PF'_5& M[SRE`WRELP$4L%(2E@;"J$*DH2N[!DJ=65'J2KAMB3!;824Q^$"R%36QA%(@ M@6U#[(Z1DG=6%,422H`(,[1*W%').RN*7ITP5P6W)4\`FJA\UCLCIM$5+L(, M'>;?DYJ'O3-=&C_@3Q$7K/]YP&=[IR7O8&V;@"7O?C5W3@`%TQ2QQK:(V`OB#P@9$0P-J#.>7WK^-7I)Z@K)Z4#@18U:EA4^8AMR@AX)?@UB M.FLNY20"(N\(58#(I$!4([0AJZ=E]0+6+-F1>O'>G)4BUR]NHO+YT=?$G%]< M8HYIA"XQIP:3!`O7)>:XQ)PN+%,N,<:XQ!R7F.,2:XQ)RA\=4EYKC$')>8TROI;T(6+3)>:XQ!R7 MF.,21'[P&?NJ%X>;FU0M3EDI`V^0% MXQEUSB0;DMD/]>TU]KHBI&SJ:D@K"_Q[&D2YPF&(Z,7_%8F(8D90J[_3MW?9 MP>14C530/LA!I"WTZY4:LQ*E!-]<;A-[$J7GN]G(IW_(T-U%*,`O4(>V?BI$F+UG0PB(12 M4DXH#=DORSRA-/9"Y&<)I0G]"MVY8Y=6:AJA2RNMP23!(OY>TTJ'$1YJ6:*I M*:)\!Z(''ALZ@%`O%4EI((@*)!JV()H(#.W=I;P>'_EB(D!LJQO/YXT?^Q4NJTVP]-E4)_B?7IBB)\8' M'GOY#8$3875HSEG7/#A6+..,#H\A\A?('V4A%%1Y)0R$W-3'Z0*=FUJ?Q2K( M[/#,BBR`3XA!]1\]D@32NJ=J`T`GBAH2!26HW6 M.`YD9J:#=D"WI3H7Y.-Y6Z;9?@J\ER`,DLTHN?4"4JAGD*K]9AP.3ICR!9GA#]"5%F$,2"U>+/E+MD"V+;D#%`/3'* MT+>`4Z8D;!3MT"U0H`]6[!C-?ES@UW<^"ICHO6=_8!+WOB1Q]*?I)[3PPILH M84<3/QZ93/01B,?=P$2#\2D.R4KD=S-4!4@0+S M!SO4;I'/@L(8Y^71SOS60*H)CTX%N&:#7X&VE;:_+[9# MM(%GTDP"1,81^H3H:J&W@RT-)"+'[P!L4#7,4K[<")%;L6'QT6TIQP*#MK^, M?/J3-]MHBXAX*.!,'$#AD=+$#I.:'/@$7R*F"&Q_9IZ+VH+%&0LXGZ<'DL4G M"K35KDW1FN!1_O?,)2;3GI3Z`V<3`8K0*2'L\"GK;L5-!4IY9.BTIAYL5THT MLB,V77O?-B6'U4-#)U7U0!#5B&0L/-ZL]VL+[2F(OUQZ,?*W(-B[N3C*W2`B M2Y)"5^@\JE:E0X<(!?=_&1SWM:YUS0>%SJ'JA<3(R5/(TM\&*TMJ5SD#HT)G M7O5*F@3T*<3IU\&)TP2S?_T#L>@$EALO4'6:#`?]FF`O!$A$F$)R/@Q.R%M^B3;6S\'*XC<.T0KDJCX)>A'%'LEBAHTV\FB%:;X8^)4 M&Q*.>T"_L]BE?8"'?2A&2G3O!8! MO9;8!_G3I]1.,J',\U#'J%G15+TF`;^MV`?9U"#53CBA[/V&HIPK;Y#%K0GX MB<1.Q*.$=<=?*`.\4?[6NA%6WW6`'S7L4B;D5-A)"Y31O15IT;OAJ5Q=+#:D MZY%A'[]I@\!H*BS2&XG%!FY%_#O9&+:QVO0-K.8]XCLP=->FS$[2AFT&-WZC MJGLM^`X,XO5)LQ.VX1>EN/%(1"D7/R+RO*2\`2HU<3P-A5(3HBX`I2:.IT(O MY,&L!H2#?L`E("3D%:RG*C16I"8^H.0NHJL'L2?!):P]:`=)[1)1ZG29QXD4^)E=%(PE^M<8"K"]?DORY$.W)$N<32 MW<.!BP379+@(BK$,3P/4FFFOYIWCL2.BOI^C#FN@4>*.BZO]J MQYH5Z*];HIRHL?K*OF@DX#(-M:5`'Z8QQ2'!](SIU=:NOZ5#ETRHS7<)GM94 M_UZ8.?4K]CMKYWHZBI+`/]$F;[[-PI2RYY;*)3/?ISD;Q_.3F5>5+C&L/O;VA\N>IUCAI# M@9;*WA75YTQ0HPIV]3"0+X/48XI@W6J"[D--Z_J"PJ&5+Y68QJ? M]6)LP^;RA'A13&?)GO+=/=%`2<59-A,ZEYC_3$ZVVU\!MC#(I$$ON@8QCYL M>6.VQ2#)P>*;3&>XHC,.$F&A<<6>P&X8TTP6A+%4TL`*:XYTH[X.XEF(XY2@ MNVB.R:I01RN+EC<8M3=%RAL=88WP#[S>^`[\'B@EP\LQ&?*KU>[E*15ITAH0 MV#'44`0JY$J7$O9<7PL*W"./P<_W$O1GBJ*9Z(DGC=[`%V"CG*X0)BD1+!$3'L+*"[!";^A[K1H/*P1`"L\^ M`8AWJZ;R_JK2'?@2J\A%=1'@X+/K@EK&6MXTZTG#Z0C`%T_S`L&%:$=,8FD# MW?WQ]P`12O+EAI5[#]55"U&+]MA=TL&*+O"\AM",4_9ER)R/05>C%\7C^G.#9EPJ]4=@' M^CVE#G1%*79C(@'D*R]!JE0"3QM#OYMM05C#W78-_@G%`<^)6K@A?>8 M)`MO@2Z]V1?D[Z%6JO;*8T`_^:/'5[YL:($U)1NUBA4(M(/G%^\1XU#,5DXK MZ`=RFC!.`,>.N_CGYTR+9=Q$=&]8DR!&\3%%Y`N\WFC0K],TW@CJ MPS:F`IKQ$S"Y7P7]X!^&:8Q;^70H%]'%W#P"H47*W6GNL"N0G[$EV<(W>T`^T-.:L.DSHE\<-65F+#(TK'&5QDM4' MN:@+].,H)HYN&3;HQ\;[$T_\22?'Q,1WH-\VZ3+4PQ2]C)U"P`[_!Y1D)-%* M13GI!/W\B7GV5H@1EP+&K`1'A6MZE&5RYM),7)J)2S,9Q-;NTDQ9)N`IQ;84^Z@T]2"GF2F5/)68T^18+7DF#$6 M9=R3Q!)5[E4(`1>@%8=)=R%N/4DV@8]P,^CS_AX"W'KO`R^86ELJ=D"'?8B8 M]*,!)ZEH,4W3C5;*3AGTR?'$WOJH.!MV;;Z#Y),#K`,/8B[EM!IY<< M$E_"H/UTA[W9W@=1L$I7E3PZ:`>=77+,`<&)>3QE*[;+>^^;&L/*[:#S0A09 M=CQE.$]V7F1$7R"9LLH^#.M.NWX':`S-#HX^L3`!QZ!<0JL\F(CZ@*=CB'A MD2I3]T!ZEH/)G-"LGBCRK[QX>1OBKQ61G,(.T+D74J(?\JD:B!7GYC"#]8!3 M.`87K%=*!&D<3`QS5.1DX,3%E%%+Y$^I/W1&B'FF\X5+F1AV;7%E;\7I2:"T M>U4,`9UVTI4`Z=##CML*%_%SL(B">3#S(A8)FZXR8-IRQ!\%.L\%5)3$).EI M/N.1*_.1H'7^:/-C^A(&LY(W(X[Q+,B8*=*>ZXP%G1G3MK0T(HPQ:W$_=J`< M?7$U>?(2I8CHTUXVI+QH[3!\$O0TE_)HUD=O"-]["9-U7J:*1F^[4E;4=@T) M*:#S+=4DX0K'[$6JW`'*6_K5G:;GP[>9ZO+]E`(M9EOV*%OIW&4K-8P"+C_> M])'@=$U%4#D12=)]V#E&$YV]@I65@B"':(DH=!K*TJ/1W*VVENT\B/G_&> MH#SUXJ@I='1Z`P[SH!AS,0)R<_3J!2'3DVXQ>:8;V-XW)CO[A9V@(]L;<%@. MRHJ+1"[#O^,58@4D+[WH2_9:1/4*/ND"'1#??"5S(1ES\0%R.:L-^H1FB"HD M5)I_1Z&_E>C1BKDS)=RNZ@H=0M^`ZRK0C+GUH+G/_&3(BU$)\`-*GJA:0IA# M4TD,5,:`CJ5O*@^J&(TY``$%XXZ5^T9QLH&235[LI[,CYC>0NFH6I3__Z2#4EQL,D M(<%+FC"B3#`C!JMT@T,ZJT5!,]G18?YCT`'CC46M'9*T9D/L.(KT.7V)LY*P MRE;%8+0@*+N1 M"&(W3QL!QV>*R,JY7!]/NZ^D%X9)\IH!14'R"2HC.G@Q]$J)C_Q'>ET06B,C+>*CV!RIN+F*"='U4(K$BQ.NUF#)%' MK`MZ`%!Y95_@2N(2IJES^1A0SS;BY^3_>BMZ M:*[U"9%XJ[$6E7.6*5ZQU!@&."E?B$6>?UL5HQ69]M,E]4@CP%G4! M#MS6VZXE(`9>P9LC_O$CP;>8K+PG1,%*@RH5>@,'84XM=!F"9(%GRK M/QAT`+81&5'`:(.'H(!Y5*4B@QJ/TR1.O(C9J*OE1',DZ!AN?2&I`;#%0D#] ML-5W_C2M,];W:F\=GK&^'4;2[U78NP0]!F'RK\9@'3\]\@5EN09*I5HZG0=T]1=H85:ACUV>:N-DVR?I@TAUZ?/0)6[Z M),Q'9(%^6Z=_,GQ'Y2-:!+O&XV2)R&3I11\Q]K\&8=B1,%?.`[J$#[!4*]'' MCF>`3)(M(],^S3;OT9%(<[\-77D(6(R%-(%^HZA_HMNIK!:,@`VJ!Q;./1', M%53#B1<.7Q;W*[;T;Y]PM)@@LKI&+[)HJ$[G`5T["EB"E>C3XJM0-HEW=E1! MRG4V`>A:6'T4Z!UAC)7"LT:22[]T)+JE7Z!+>`'+ZA$ES!7\LT2'X-:";.E+ MT+7$H+?-G`*%"'ZP2P2?$[0N^9/S4D=%P:*[G7]Y5T'I3$_NM(>'+E!F1MAJ MP=X[!>QR>5UZ9.$%T6-*9DLO1A_IG_>+L;(.=;T!H8N/F1$C1:`[P8%R)PDB M=*H7QFX!9+&#<<`"5-CO$[9'BF)V&@X+_8RUAFB8@KL3D.;)CD>'%W`BVV-& M\25*@ID7NK0VE];FTMI<6IM+:W-I;4-AJTMKDC9;CB>YX_"Y/^J)T@U/C#@8R6#.C MADQ;K#?B``M5-4`*77ZJAOFF(KI);-07;QH M1FD02PL_RKH-L/!-%1QC56P4W[1]QV;YXL6(_N7_`U!+`P04````"`"(>@Y' MGHHCW2P/``!4I@``$0`<`'=E9G`M,C`Q-3`V,S`N>'-D550)``-O/\Y5;S_. M575X"P`!!"4.```$.0$``.U=;6_C-A+^?L#]!UV^W!Y0QW&\]G+8 M;(+8:7N?"D8:VT1ETB6E)-Y??T-*LMXHF;*=77MMH-@ZXLR0\SS4D$-1U(=_ MOXY]YQF$I)Q]W.OL'^PYP%SN43;\N/?8OV[]M/?OG__^MP__:+5^/W_XY%QR M-QP#"YQ;E!E0\)P7&HR'9UV.\[]K=-JJ5JD.X(Q<0(BAA!\)F.0$^+"Q[U1 M$$Q.V^V7EY?]%_!].:",,)<2W^5BLN_R<5L9/#CIJN;[H!IXS<7X$@8D](./ M>W^%Q->MW7/07R9/7V`P:696Z^55NOM<#%'DH-/^_?933[<]J<"G[,^<].N3 M\!/Y;EL5/Q$)B;@J]8*90E;XN!T5SD3]&KN_?T+#6:.T1I@R&:"_:2-*C8Y= M[+Q__[ZM2Q-1!D,2@%=I_'U;,,(=:591Q15+7K(`% M!G$D()A.0!JIT24&7V0P$1658(FA%@&#RHYVTL;2E(6)`'=.QR3"U7US0-R@ M!:\3GS""@6MZC7_/D..,A6.S$2\0;>5:&X5:*`6"NC.]^4JQ@HIVA#$>D`"C MY<\?R&1"V8"KR^H^.U5-[*."HWX\/MS8!"OM5A*@SYAWQ0(:3&_0K!CK:O8< MBLC42LP:X`%60'7C,,`YK33R9WX2YCF1#2=CY$.[:"$Q&DKP[MC/^C=2)=&& MUE!1*]:*14P:J4$[>1>Q"?WJ"MHYI)>'_H(SR7T"""0CXR$ M.#JJ0*@(L)`STW"(V/<0,8AYR!IR8DM.9&K'016V]P2#>#""@&+;I"TC!2TS M/UU[?IQW>8O_VA$&W@P[>3>XP5GH&&KNG#IA,SU'=?2DYAP^<"*#SKLP,;GC MIP#Y!1^CLR-@DCY#([)J-^%X3,048QD=,CK`H(!)LZM7 MCR@;WF,/=2G$B%O*&EGH'!19B*WI4);:^"&`ML'\NR94)\\^7#-18_X$'?[ZG(SX(>E MKCZSX,Q,.`,N'&5D6V'_Q`F3#^`"?59XX,Q)7_D/^%X.?@LY,PW=(@U:STE- MZ=E2=%%9VS&"4/1`/&/09<,4_/22&>`\A`4#N1M\G245.MJ9MY?:* M"$RPAO(>1&^$"57$6.FJF8>3(@^)GH.*CM;<5EROD\LW##N9?OXB?Z/!Z&XP MR"Y9/U#Y9P1Y$P4S&S\6V9B9=#(V'6740:NMV&Q+VW64X:TEBU#Q*_%#N`6B ML--`Q;08B\P$_%0B`)4=K>UDU;<5YE[X).&O$)VZ>DX1+ETU@UO*?5,])U+< M7EAU^LGKDUEC`FRK8Z3D<(E$V'F7_-K:U2!#,C:(LH"^^BTK4[:\E)F:4J9< MF[@Y[R)C6\M%(3,CF=JN:BUK!4S>:7\?/F\;^L)+Z9Z61HKRLSDE)+RW6"O%Z=$=@7,5U=&T0J81*R\[*!O+VZFR?AL34/ M_9.&;)V8V3HJK3XT9^MDN]FRF(X'N52KL9:9N=(B15/F=ME7[FGW93'1*I68 M>3#N0L@^"-]E3B4L^Z4;HDK`C/G['K[L+H3\PX:ES9AY?)-]"-M^OQ4W M&^28K"HT\V.U%6&'MPG2?(B;(V-&W^*M@%VD6^`]`1-!BZN;N5O^'8(=M;6; M?7)1K5;"3)#M.P:[^%8';F<^_A7KVT>E=8)Y!&SQ->KBVS7Y^7%%H1GV\O:"XALXNZ!3@6BG%N^*4'-H)J)`UTU'>+%"FHW`FT8Z?JENBN,.V5L;,1SD+K[H]OINYJ/I''43]``-' MG_!\JHZI_;@GZ7BB3IF(KHWT$;SJT.Q6H,JX*^=(]BO MFSI2N!56ZTX[.:D9?Z7G-V,!>L)%X##CJ?55!Z]'!]Y_XJXV4Z.B_FHE>BUU MJ=4Y;'4[^Z_2BQK6H/Z91PWK3_2:U6\^S-ZRYD1!57EL45GMD?(5=>KZC(IM M\`.97&FEIFR]KCFBO:XM!K7X=RLUT;0-IE/O;1J1U4O^6*89ID/TK=J159S] MU4K--&U)Z:A]FU;,E/2O);I$^01^F^I3K>AG*S70M`'%$_UMJD]TU(]EJBZ> M\V]5=Z*D?S6K?=[G*6R"D2]$3DM%I/WI?Y[%&=/,A"Z6ZJD3LT,_[`3CZ:7^@LXI^J9*!O>!#!6J<^> M0V*ICWN!"-7D4TOA=(]RKZ_UO#`Z^G3/8=376_8368D9(58:JM)?!`\G2244 MS:-W3LF]6T1]2(8P>RC_0(>C0'Z&K%-U0EE7QASO?R*F)F<&F(X:O8FFC4%2 M]!0]84$OX4F=F;F\BS=Z;J(N9-Z>8-X-"P`SON`V')@>0I<:7B#?"K<$C^`WB`(S":1+*PR7IGT"V,GT!D!Y`&2A$&T3>N3CT^ M)I1]J\%1'>>>[%XJG!@9]4]S>>P!-G\27UN0PU6$>RE_003OF-I2*N\&UUR` M6D$&+^U\^<'>7F4#>NO->$*H4!?,?F1'^[FB&^`O\H)#@``BX1*B_]\P-:[' M&U_X2":R8L,!%64 MKP\Q^>,"#814"7QK(J+_;+K9;Z"6),`[>\9;?@C_H^![."-S@7J*8YV^%DEUW_2HW7.^)W'/NRU(>42SXEKE" MN=G%(SG252,T(>4CP^'6IU_`4]/K,]<-Q^HY,'@W+%UIRK*W(GOKOT)G[:C* M358)7+V]-P-N==.A2QB`0&M]\GHU&(`;/(#:6H!!G.>[1W:)VEYG`V:_?5!/ M#HB@_C3*X,`KA8T:F35:;:CNM2IB4Q;RL-!U[U4X5_M(0,K^B+#.X2U*CN39 M<"CT8T`E!,O=,6]6]P;<78NCDJ!Q)SYQ-@3Q-1E9N.[OFI&OR_!4(F4`JV-\!I%W'A]`),VYO5!C/5;^"6G:J76R)OXU34V M3,\62$8[]?[:9Z['>*&FPY#GZMO MDC5RNZ"RUF[.Z,%(KN[>."RK5^`CNM*@;`?"0@;7!R+5Y#[7+Y`]**/%30"% MLN760%;9\$>&G<^[1^Q<.B%^^:%&E<#ZY\`5>VP4$='S[Z3+S=^78]+9@)G& M;^JEFFOP<+1%XECY*7*5P!J-P7T*XHZ!>C'\G$CPXG,PHL?K]9O<2E;BHYNL;I:]FM M&IDU\F1VT,<-FX2!O!,8> M/W>>5CMQ=IEW`GJFWZI`X*I\4G)&L6/%%CFW2.;=X,+SO!F4*[>@AB",*V^ M6ZJLD9^]X+_JG:\XK>^19W5RWEET0'(FMI6W@C336R./ST-)&4B,`N,GRK39 M7@`3O2GXT"Q>:04F]>!NC7G/-8+"TI;<+/*M+`^.M6#@(Q+M6O?/IE>23 M[,;62I'U&1#3-MX-DAG,'8N'MW/J&=VI$ET?M_HC`5*=!-L7Q%-OPY%I+E4R M%J_5&)ZB?<'5B9]ZC]P-7F!#BH;CNZ>\B[RAWOI0UN`,S>JG(PBW8E",1=9SX$C_(7CJ&$Z?=:)S@H8.]5 M[RJ#F`@J(3XX.DTP2B/OH@9JA^`W[@7MZ$5Q_/E_4$L!`AX#%`````@`B'H. M1PPLP"5M'0$`:U$?`!$`&````````0```*2!`````'=E9G`M,C`Q-3`V,S`N M>&UL550%``-O/\Y5=7@+``$$)0X```0Y`0``4$L!`AX#%`````@`B'H.1R,D MH)8R$0``$PH!`!4`&````````0```*2!N!T!`'=E9G`M,C`Q-3`V,S!?8V%L M+GAM;%54!0`#;S_.575X"P`!!"4.```$.0$``%!+`0(>`Q0````(`(AZ#D>V M)B=J]2<``.*7`P`5`!@```````$```"D@3DO`0!W969P+3(P,34P-C,P7V1E M9BYX;6Q55`4``V\_SE5U>`L``00E#@``!#D!``!02P$"'@,4````"`"(>@Y' M\-]J\25J``#_=08`%0`8```````!````I(%]5P$`=V5F<"TR,#$U,#8S,%]L M86(N>&UL550%``-O/\Y5=7@+``$$)0X```0Y`0``4$L!`AX#%`````@`B'H. M1[J+4/;W00``-(L%`!4`&````````0```*2!\<$!`'=E9G`M,C`Q-3`V,S!? M<')E+GAM;%54!0`#;S_.575X"P`!!"4.```$.0$``%!+`0(>`Q0````(`(AZ M#D>>BB/=+`\``%2F```1`!@```````$```"D@3<$`@!W969P+3(P,34P-C,P M+GAS9%54!0`#;S_.575X"P`!!"4.```$.0$``%!+!08`````!@`&`!H"``"N %$P(````` ` end XML 58 R51.htm IDEA: XBRL DOCUMENT v3.2.0.727

Subsequent Events (Details) - Agreement and plan of conversion merger - St. James - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Subsequent Event [Line Items]

Revenues $ 3,580 $ 3,256 $ 7,082 $ 6,540

Net income $ 591 $ 102 $ 1,116 $ 386

Diluted net income per share (in dollars per share) $ 0.72 $ 0.12 $ 1.36 $ 0.46

Diluted weighted-average shares (in shares) 816,185 840,352 818,538 841,614

X

- Definition
The pro forma diluted net income per share for a period as if the business combination or combinations had been completed at the beginning of a period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (h)(2)-(3)

-URI http://asc.fasb.org/extlink&oid=56956515&loc=d3e1392-128463

+ Details

Name: us-gaap_BusinessAcquisitionProFormaEarningsPerShareDiluted

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
The pro forma net Income or Loss for the period as if the business combination or combinations had been completed at the beginning of a period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (h)(2)-(3)

-URI http://asc.fasb.org/extlink&oid=56956515&loc=d3e1392-128463

+ Details

Name: us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The pro forma revenue for a period as if the business combination or combinations had been completed at the beginning of the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 805

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (h)(2)-(3)

-URI http://asc.fasb.org/extlink&oid=56956515&loc=d3e1392-128463

+ Details

Name: us-gaap_BusinessAcquisitionsProFormaRevenue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The weighted average number of shares or units and dilutive common stock or unit equivalents outstanding in the calculation of proforma diluted earnings per share (earnings per unit), which is commonly presented in initial public offerings based on the terms of the offering.
+ References
No definition available.
+ Details

Name: us-gaap_ProFormaWeightedAverageSharesOutstandingDiluted

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Detail information of subsequent event by type. User is expected to use existing line items from elsewhere in the taxonomy as the primary line items for this disclosure, which is further associated with dimension and member elements pertaining to a subsequent event.
+ References
No definition available.
+ Details

Name: us-gaap_SubsequentEventLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Details

Name: wefp_AgreementAxis=wefp_AgreementAndPlanOfConversionMergerMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_BusinessAcquisitionAxis=wefp_StJamesFederalSavingsAndLoanAssociationMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 59 R21.htm IDEA: XBRL DOCUMENT v3.2.0.727

Securities Available for Sale (Tables)
6 Months Ended

Jun. 30, 2015

Investments, Debt and Equity Securities [Abstract]

Summary of amortized cost and fair values of securities with gross unrealized gains and losses

June 30, 2015

Gross Gross

Amortized Unrealized Unrealized

Cost Gains Losses Fair Value

Residential mortgage-backed agencies $ 22,041 $ 57 $ (175 ) $ 21,923

SBA pools 1,674 6 - 1,680

Obligations of states and political subdivisions 9,005 138 (42 ) 9,101

Government-sponsored enterprise equity 40 78 - 118

$ 32,760 $ 279 $ (217 ) $ 32,822

December 31, 2014

Gross Gross

Amortized Unrealized Unrealized

Cost Gains Losses Fair Value

Residential mortgage-backed agencies $ 22,677 $ 60 $ (192 ) $ 22,545

SBA pools 1,835 6 (9 ) 1,832

Obligations of states and political subdivisions 9,474 250 (26 ) 9,698

Government-sponsored enterprise equity 40 62 - 102

$ 34,026 $ 378 $ (227 ) $ 34,177

Schedule of amortized cost and fair value by contractual maturity

June 30, 2015

Amortized Cost Fair Value

Due in one year or less $ 839 $ 841

Due in one to five years 3,708 3,736

Due after five through 10 years 2,456 2,477

Due after 10 years 2,002 2,047

9,005 9,101

Residential mortgage-backed agencies 22,041 21,923

SBA pools 1,674 1,680

Government-sponsored enterprise equity 40 118

$ 32,760 $ 32,822

Schedule of changes in other comprehensive income-unrealized gains on securities available for sale

Three Months Ended June 30, Six Months Ended June 30,

2015 2014 2015 2014

Balance, beginning $ 216 $ (10 ) $ 93 $ (264 )

Unrealized gains (losses) during the year (298 ) 153 (89 ) 771

Deferred tax effect relating to unrealized gain 123 (63 ) 37 (427 )

Balance, ending $ 41 $ 80 $ 41 $ 80

Schedule of unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position

June 30, 2015

Continuous Unrealized Continuous Unrealized

Losses Existing Losses Existing

12 Months or Less Greater Than 12 Months Total

Fair Unrealized Fair Unrealized Fair Unrealized

Value Loss Value Loss Value Loss

Residential mortgage-backed agencies $ 5,250 $ 33 $ 8,829 $ 142 $ 14,079 $ 175

Obligations of states and political subdivisions 2,294 16 911 26 3,205 42

$ 7,544 $ 49 $ 9,740 $ 168 $ 17,284 $ 217

December 31, 2014

Continuous Unrealized Continuous Unrealized

Losses Existing Losses Existing

12 Months or Less Greater Than 12 Months Total

Fair Unrealized Fair Unrealized Fair Unrealized

Value Loss Value Loss Value Loss

Residential mortgage-backed agencies $ 5,679 $ 20 $ 10,566 $ 171 $ 16,245 $ 191

SBA pools - - 1,250 9 1,250 9

Obligations of states and political subdivisions 1,495 6 1,180 20 2,675 26

$ 7,174 $ 26 $ 12,996 $ 200 $ 20,170 $ 226

X

- Definition
Tabular disclosure of fair value of investments in debt and equity securities in an unrealized loss position categorized neither as held-to-maturity nor trading securities.
+ References
No definition available.
+ Details

Name: us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of maturities of an entity's investments as well as any other information pertinent to the investments.
+ References
No definition available.
+ Details

Name: us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the amount of other than temporary impairment (OTTI) related to credit losses recognized in earnings including: (a) the beginning balance of the amount related to credit losses on debt securities held by the investor at the beginning of the period for which a portion of an OTTI was recognized in other comprehensive income; (b) additions for the amount related to the credit loss for which an OTTI was not previously recognized; (c) reductions for securities sold during the period (realized); (d) reductions for securities for which the amount previously recognized in other comprehensive income was recognized in earnings because the investor intends to sell the security or more likely than not will be required to sell the security before recovery of its amortized cost basis; (e) additional increases to the amount related to the credit loss for which an OTTI was previously recognized when the investor does not intend to sell the security and it is not more likely than not that the investor will be required to sell the security before recovery of its amortized cost basis; (f) reductions for increases in cash flows expected to be collected that are recognized over the remaining life of the security; and (g) the ending balance of the amount related to credit losses on debt securities held by the entity at the end of the period for which a portion of an OTTI was recognized in other comprehensive income.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 320

-SubTopic 10

-Section 50

-Paragraph 8

-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27340-111563

+ Details

Name: us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the reconciliation of available-for-sale securities from cost basis to fair value.
+ References
No definition available.
+ Details

Name: us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 60 R26.htm IDEA: XBRL DOCUMENT v3.2.0.727

Fair Value Measurements (Tables)
6 Months Ended

Jun. 30, 2015

Fair Value Disclosures [Abstract]

Schedule of assets measured at fair value on a recurring basis segregated by fair value hierarchy level

June 30, 2015

Level 1 Level 2 Level 3 Total

Inputs Inputs Inputs Fair Value

Recurring:

Investment securities available for sale:

Residential mortgage-backed securities $ - $ 21,923 $ - $ 21,923

SBA pools - 1,680 - 1,680

Obligations of states and political subdivisions 9,101 - 9,101

Government-sponsored enterprise equity securities - 118 - 118

Redeemable common stock - - (2,383 ) (2,383 )

Nonrecurring:

Foreclosed real estate - - 3,199 3,199

Collateral-dependent impaired loans - - 3,143 3,143

Mortgage servicing rights - - 624 624

December 31, 2014

Level 1 Level 2 Level 3 Total

Inputs Inputs Inputs Fair Value

Recurring:

Investment securities available for sale:

Residential mortgage-backed securities $ - $ 22,545 $ - $ 22,545

SBA pools - 1,832 - 1,832

Obligations of states and political subdivisions - 9,698 - 9,698

Government-sponsored enterprise equity securities - 102 - 102

Redeemable common stock - - (2,533 ) (2,533 )

Nonrecurring:

Foreclosed real estate - - 3,656 3,656

Collateral-dependent impaired loans - - 3,002 3,002

Mortgage servicing rights - - 646 646

Schedule of quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis

Fair Value at
June 30,
2015 Valuation Technique Unobservable Input Range

(in thousands)

Mortgage servicing rights $ 624 Discounted cash flows⁽¹⁾ Prepayment PSA 157 – 335

Discount rate 8.50% – 9.25%

Maturity (months) WAM 37 – 325

Costs to service $65 - $750

Fair Value at
December 31,
2014 Valuation Technique Unobservable Input Range

(in thousands)

Mortgage servicing rights $ 646 Discounted cash flows⁽¹⁾ Prepayment PSA 157- 335

Discount rate 8.50% – 9.25%

Maturity (months) WAM 37- 325

Costs to service $65 - $750

(1) The estimated fair value on mortgage servicing rights is determined through a cash flow analysis performed at the loan level and is based on the objective attributes of the portfolio (i.e., note rate, loan amount, etc.) and industry assumptions used in the marketplace.

Schedule of estimated fair values of the company's financial instruments

June 30, December 31,

2015 2014

Level in
Fair
Value Carrying Fair Carrying Fair

Hierarchy Amount Value Amount Value

Financial assets:

Cash and cash equivalents Level 1 $ 19,865 $ 19,865 $ 14,373 $ 14,373

Certificates of deposit Level 2 1,241 1,241 4,181 4,181

Federal funds sold Level 2 3,000 3,000 2,000 2,000

Securities available for sale Level 2 32,822 32,822 34,177 34,177

Federal Home Loan Bank stock Level 2 2,068 2,068 2,079 2,079

Loans held for sale Level 2 3,567 3,567 1,707 1,707

Loans receivable, net Level 2 177,859 177,463 182,050 183,219

Accrued interest receivable Level 2 966 966 834 834

Mortgage servicing rights Level 3 1,871 2,666 1,886 2,578

Financial liabilities:

Deposits Level 2 220,860 214,033 221,972 215,199

Advances from borrowers for taxes and insurance Level 2 2,621 2,621 2,630 2,630

Accrued interest payable Level 2 60 60 17 17

Redeemable common stock Level 3 2,383 2,383 2,533 2,533

X

- Definition
Tabular disclosure of assets, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, by class that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 820

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (a),(b)

-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 820

-SubTopic 10

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19190-110258

+ Details

Name: us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13476-108611

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 820

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13467-108611

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6447952&loc=d3e13220-108610

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 30

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14172-108612

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 10

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13433-108611

+ Details

Name: us-gaap_FairValueByBalanceSheetGroupingTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_FairValueDisclosuresAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of quantitative information about the inputs used in the fair value measurement of assets. This disclosure may include, but is not limited to, the fair value of the asset, valuation technique used to measure fair value, the inputs used to measure fair value, the ranges of the inputs, and the weighted averages of the inputs.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 820

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (bbb)

-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258

+ Details

Name: us-gaap_FairValueInputsAssetsQuantitativeInformationTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 61 R49.htm IDEA: XBRL DOCUMENT v3.2.0.727

Fair Value Measurements (Details 1) - Nonrecurring - Level 3 Inputs - Mortgage servicing rights - Discounted cash flows - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended

Jun. 30, 2015

Dec. 31, 2014

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Fair Value $ 624 $ 646

Valuation Technique ^[1] Discounted cash flows Discounted cash flows

Unobservable Input Prepayment PSA, Discount rate, Maturity (months) WAM, Costs to service Prepayment PSA, Discount rate, Maturity (months) WAM, Costs to service

Minimum

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Prepayment PSA 157.00% 157.00%

Discount rate 8.50% 8.50%

Maturity (months) WAM 37 months 37 months

Costs to service $ 65 $ 65

Maximum

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Prepayment PSA 335.00% 335.00%

Discount rate 9.25% 9.25%

Maturity (months) WAM 325 months 325 months

Costs to service $ 750 $ 750

[1] The estimated fair value on mortgage servicing rights is determined through a cash flow analysis performed at the loan level and is based on the objective attributes of the portfolio (i.e., note rate, loan amount, etc.) and industry assumptions used in the marketplace.

X

- Definition
This element represents the aggregate of the assets reported on the balance sheet at period end measured at fair value on a nonrecurring basis by the entity. This element is intended to be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements.
+ References
No definition available.
+ Details

Name: us-gaap_AssetsFairValueDisclosureNonrecurring

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

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

Name: us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Interest rate used to find the present value of an amount to be paid or received in the future as an input to measure fair value. For example, but not limited to, weighted average cost of capital (WACC), cost of capital, cost of equity and cost of debt.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 820

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (bbb)

-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258

+ Details

Name: us-gaap_FairValueInputsDiscountRate

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Description of significant assumptions used by management to measure fair value.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 10

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13433-108611

+ Details

Name: us-gaap_FairValueMeasurementsSignificantAssumptions

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Description of the inputs and valuation technique(s) used to measure fair value.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 820

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (bbb)

-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258

+ Details

Name: us-gaap_FairValueMeasurementsValuationTechniques

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Represents range of Costs to service.
+ References
No definition available.
+ Details

Name: wefp_FairValueInputsCostsToService

Namespace Prefix: wefp_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Represents prepayment scale developed by the Public Securities Association for analyzing American mortgage-backed securities. The PSA model assumes increasing prepayment rates for the first 30 months after mortgage origination and a constant prepayment rate thereafter.
+ References
No definition available.
+ Details

Name: wefp_FairValueInputsPrepaymentPublicSecuritiesAssociation

Namespace Prefix: wefp_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Represents Maturity (months) Weighted Average maturity.
+ References
No definition available.
+ Details

Name: wefp_FairValueInputsWeightedAverageMaturity

Namespace Prefix: wefp_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_ServicingContractsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_ValuationTechniqueAxis=wefp_DiscountedCashFlowsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_RangeAxis=us-gaap_MinimumMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_RangeAxis=us-gaap_MaximumMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 62 R41.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loans Receivable and Loans Held for Sale (Detail Textuals) - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended

Jun. 30, 2015

Dec. 31, 2014

Accounts, Notes, Loans and Financing Receivable [Line Items]

Carrying value of loans pledged to secure borrowed funds $ 95,103 $ 96,740

Aggregate amounts of loans to related parties 134 342

Addition to aggregate amounts of loans to related parties 34 185

Repayments of loans receivable from related parties 146 67

Loans held for sale $ 3,567 $ 1,707

Real estate | Agricultural

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loan to value ratios 60.00%

X

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

Name: us-gaap_AccountsNotesAndLoansReceivableLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
For an unclassified balance sheet, reflects the carrying amount of unpaid loan amounts due from related parties at the balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(e))

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 850

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=6457730&loc=d3e39549-107864

+ Details

Name: us-gaap_LoansAndLeasesReceivableRelatedParties

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Reflects the amount of new advances made to related parties in the form of loan and lease receivables.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(e))

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 850

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=6457730&loc=d3e39549-107864

+ Details

Name: us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Reflects the amount of collections received from related parties to reduce the carrying amounts of loans and leases receivable due from them.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 850

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (d)

-URI http://asc.fasb.org/extlink&oid=6457730&loc=d3e39549-107864

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(e))

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

+ Details

Name: us-gaap_LoansAndLeasesReceivableRelatedPartiesCollections

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Carrying amount as of the balance sheet date of loans that have been pledged as collateral for borrowings. If the secured party has the right by contract or custom to sell or re-pledge the collateral, then the debtor reclassifies that asset and report that asset in its statement of financial position separately from other assets not so encumbered.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 30

-Section 45

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6467456&loc=d3e113888-111728

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5086-111524

+ Details

Name: us-gaap_LoansPledgedAsCollateral

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The face amount of loans that will be sold to other entities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

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

+ Details

Name: us-gaap_LoansReceivableHeldForSaleAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Represents information of loan-to-value ratios.
+ References
No definition available.
+ Details

Name: wefp_LoanToValueRatios

Namespace Prefix: wefp_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=wefp_AgriculturalPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 63 R5.htm IDEA: XBRL DOCUMENT v3.2.0.727

Consolidated Statements of Comprehensive Income (unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Jun. 30, 2015

Jun. 30, 2014

Statement of Comprehensive Income [Abstract]

Net income $ 550 $ 96 $ 1,043 $ 347

Other comprehensive (loss) income:

Unrealized (loss) gain on securities, net of related taxes (176) 89 (52) 344

Comprehensive income $ 374 $ 185 $ 991 $ 691

X

- Definition
Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Other Comprehensive Income

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Comprehensive Income

-URI http://asc.fasb.org/extlink&oid=51831223

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 5

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e557-108580

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Net Income

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

+ Details

Name: us-gaap_ComprehensiveIncomeNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Net Income

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.19)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 260

-SubTopic 10

-Section 50

-Paragraph 1

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 225

-SubTopic 10

-Section S99

-Paragraph 2

-Subparagraph (SX 210.5-03.18)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.22)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Other Comprehensive Income

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

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 19

-Article 5

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

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 20

-Article 9

+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount after tax, before reclassification adjustments, of unrealized holding gain (loss) on available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 10A

-Subparagraph (e)

-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669646-108580

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 220

-SubTopic 10

-Section 45

-Paragraph 11

-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

+ Details

Name: us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 64 R10.htm IDEA: XBRL DOCUMENT v3.2.0.727

Summary of Significant Accounting Policies
6 Months Ended

Jun. 30, 2015

Accounting Policies [Abstract]

Summary of Significant Accounting Policies
Note 2. Summary of Significant Accounting Policies

Basis of Financial Statement Presentation: The accompanying unaudited interim financial statements have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission. Certain information and footnote disclosures normally included in annual financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted as permitted by such rules and regulations. The accompanying consolidated balance sheet and related notes as of December 31, 2014 are derived from the audited consolidated financial statements as of that date. These condensed financial statements and related notes should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s audited consolidated financial statements for the year ended December 31, 2014 contained in the Company’s Form S-1. In the opinion of management, all adjustments (which consist of normal recurring accruals) necessary for a fair presentation of the consolidated financial statements have been included. Results for any interim period are not necessarily indicative of results to be expected for the year or any other interim period.

Segment reporting: The Company’s activities are considered to be a single industry segment for financial reporting purposes. The Company is engaged in commercial and retail banking, investment and insurance services with operations in southern Minnesota. Substantially all income is derived from a diverse base of commercial and retail lending activities.

X

- References
No definition available.
+ Details

Name: us-gaap_AccountingPoliciesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for the basis of presentation and significant accounting policies concepts. Basis of presentation describes the underlying basis used to prepare the financial statements (for example, US Generally Accepted Accounting Principles, Other Comprehensive Basis of Accounting, IFRS). Accounting policies describe all significant accounting policies of the reporting entity.
+ References
No definition available.
+ Details

Name: us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 65 R27.htm IDEA: XBRL DOCUMENT v3.2.0.727

Summary of Significant Accounting Policies (Detail Textuals)
6 Months Ended

Jun. 30, 2015

Segment

Accounting Policies [Abstract]

Number of reportable segments 1

X

- References
No definition available.
+ Details

Name: us-gaap_AccountingPoliciesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of segments reported by the entity. A reportable segment is a component of an entity for which there is an accounting requirement to report separate financial information on that component in the entity's financial statements.
+ References
No definition available.
+ Details

Name: us-gaap_NumberOfReportableSegments

Namespace Prefix: us-gaap_

Data Type: xbrli:integerItemType

Balance Type: na

Period Type: duration

XML 66 FilingSummary.xml IDEA: XBRL DOCUMENT 3.2.0.727 html 378 276 1 true 47 0 false 6 false false R1.htm 001 - Document - Document and Entity Information Sheet http://www.wellsfinancialcorp.com/role/DocumentAndEntityInformation Document and Entity Information Cover 1 false false R2.htm 002 - Statement - Consolidated Balance Sheets Sheet http://www.wellsfinancialcorp.com/role/ConsolidatedBalanceSheetsUnaudited Consolidated Balance Sheets Statements 2 false false R3.htm 003 - Statement - Consolidated Balance Sheets (Parentheticals) Sheet http://www.wellsfinancialcorp.com/role/ConsolidatedBalanceSheetsUnauditedParentheticals Consolidated Balance Sheets (Parentheticals) Statements 3 false false R4.htm 004 - Statement - Consolidated Statements of Income (unaudited) Sheet http://www.wellsfinancialcorp.com/role/ConsolidatedStatementsOfIncomeUnaudited Consolidated Statements of Income (unaudited) Statements 4 false false R5.htm 005 - Statement - Consolidated Statements of Comprehensive Income (unaudited) Sheet http://www.wellsfinancialcorp.com/role/ConsolidatedStatementsOfComprehensiveIncomeUnaudited Consolidated Statements of Comprehensive Income (unaudited) Statements 5 false false R6.htm 006 - Statement - Consolidated Statements of Stockholders' Equity and Mezzanine Equity (Unaudited) Sheet http://www.wellsfinancialcorp.com/role/ConsolidatedStatementsOfStockholdersEquityAndMezzanineEquityUnaudited Consolidated Statements of Stockholders' Equity and Mezzanine Equity (Unaudited) Statements 6 false false R7.htm 007 - Statement - Consolidated Statements of Stockholders' Equity and Mezzanine Equity (Unaudited) (Parentheticals) Sheet http://www.wellsfinancialcorp.com/role/ConsolidatedStatementsOfStockholdersEquityAndMezzanineEquityUnauditedParentheticals Consolidated Statements of Stockholders' Equity and Mezzanine Equity (Unaudited) (Parentheticals) Statements 7 false false R8.htm 008 - Statement - Consolidated Statements of Cash Flows (Unaudited) Sheet http://www.wellsfinancialcorp.com/role/ConsolidatedStatementsOfCashFlowsUnaudited Consolidated Statements of Cash Flows (Unaudited) Statements 8 false false R9.htm 009 - Disclosure - Nature of Operations Sheet http://www.wellsfinancialcorp.com/role/NatureOfOperations Nature of Operations Notes 9 false false R10.htm 010 - Disclosure - Summary of Significant Accounting Policies Sheet http://www.wellsfinancialcorp.com/role/SummaryOfSignificantAccountingPolicies Summary of Significant Accounting Policies Notes 10 false false R11.htm 011 - Disclosure - Certificates of Deposit Sheet http://www.wellsfinancialcorp.com/role/CertificatesOfDeposit Certificates of Deposit Notes 11 false false R12.htm 012 - Disclosure - Securities Available for Sale Sheet http://www.wellsfinancialcorp.com/role/SecuritiesAvailableForSale Securities Available for Sale Notes 12 false false R13.htm 013 - Disclosure - Loans Receivable and Loans Held for Sale Sheet http://www.wellsfinancialcorp.com/role/LoansReceivableAndLoansHeldForSale Loans Receivable and Loans Held for Sale Notes 13 false false R14.htm 014 - Disclosure - Loan Servicing Sheet http://www.wellsfinancialcorp.com/role/LoanServicing Loan Servicing Notes 14 false false R15.htm 015 - Disclosure - Stockholders' Equity, Regulatory Capital and Dividend Restrictions Sheet http://www.wellsfinancialcorp.com/role/StockholdersEquityRegulatoryCapitalAndDividendRestrictions Stockholders' Equity, Regulatory Capital and Dividend Restrictions Notes 15 false false R16.htm 016 - Disclosure - Earnings Per Share Sheet http://www.wellsfinancialcorp.com/role/EarningsPerShare Earnings Per Share Notes 16 false false R17.htm 017 - Disclosure - Financial Instruments With Off-Balance-Sheet Risk Sheet http://www.wellsfinancialcorp.com/role/FinancialInstrumentsWithOffBalanceSheetRisk Financial Instruments With Off-Balance-Sheet Risk Notes 17 false false R18.htm 018 - Disclosure - Fair Value Measurements Sheet http://www.wellsfinancialcorp.com/role/FairValueMeasurements Fair Value Measurements Notes 18 false false R19.htm 019 - Disclosure - Subsequent Events Sheet http://www.wellsfinancialcorp.com/role/SubsequentEvents Subsequent Events Notes 19 false false R20.htm 020 - Disclosure - Summary of Significant Accounting Policies (Policies) Sheet http://www.wellsfinancialcorp.com/role/SummaryofSignificantAccountingPoliciesPolicies Summary of Significant Accounting Policies (Policies) Policies http://www.wellsfinancialcorp.com/role/SummaryOfSignificantAccountingPolicies 20 false false R21.htm 021 - Disclosure - Securities Available for Sale (Tables) Sheet http://www.wellsfinancialcorp.com/role/SecuritiesAvailableforSaleTables Securities Available for Sale (Tables) Tables http://www.wellsfinancialcorp.com/role/SecuritiesAvailableForSale 21 false false R22.htm 022 - Disclosure - Loans Receivable and Loans Held for Sale (Tables) Sheet http://www.wellsfinancialcorp.com/role/LoansReceivableandLoansHeldforSaleTables Loans Receivable and Loans Held for Sale (Tables) Tables http://www.wellsfinancialcorp.com/role/LoansReceivableAndLoansHeldForSale 22 false false R23.htm 023 - Disclosure - Loan Servicing (Tables) Sheet http://www.wellsfinancialcorp.com/role/LoanServicingTables Loan Servicing (Tables) Tables http://www.wellsfinancialcorp.com/role/LoanServicing 23 false false R24.htm 024 - Disclosure - Stockholders' Equity, Regulatory Capital and Dividend Restrictions (Tables) Sheet http://www.wellsfinancialcorp.com/role/StockholdersEquityRegulatoryCapitalandDividendRestrictionsTables Stockholders' Equity, Regulatory Capital and Dividend Restrictions (Tables) Tables http://www.wellsfinancialcorp.com/role/StockholdersEquityRegulatoryCapitalAndDividendRestrictions 24 false false R25.htm 025 - Disclosure - Earnings Per Share (Tables) Sheet http://www.wellsfinancialcorp.com/role/EarningsPerShareTables Earnings Per Share (Tables) Tables http://www.wellsfinancialcorp.com/role/EarningsPerShare 25 false false R26.htm 026 - Disclosure - Fair Value Measurements (Tables) Sheet http://www.wellsfinancialcorp.com/role/FairValueMeasurementsTables Fair Value Measurements (Tables) Tables http://www.wellsfinancialcorp.com/role/FairValueMeasurements 26 false false R27.htm 027 - Disclosure - Summary of Significant Accounting Policies (Detail Textuals) Sheet http://www.wellsfinancialcorp.com/role/SummaryOfSignificantAccountingPoliciesDetailTextuals Summary of Significant Accounting Policies (Detail Textuals) Details http://www.wellsfinancialcorp.com/role/SummaryofSignificantAccountingPoliciesPolicies 27 false false R28.htm 028 - Disclosure - Certificates of Deposit (Detail Textuals) Sheet http://www.wellsfinancialcorp.com/role/CertificatesOfDepositDetailTextuals Certificates of Deposit (Detail Textuals) Details http://www.wellsfinancialcorp.com/role/CertificatesOfDeposit 28 false false R29.htm 029 - Disclosure - Securities Available for Sale (Details) Sheet http://www.wellsfinancialcorp.com/role/SecuritiesAvailableforSaleDetails Securities Available for Sale (Details) Details http://www.wellsfinancialcorp.com/role/SecuritiesAvailableforSaleTables 29 false false R30.htm 030 - Disclosure - Securities Available for Sale (Details 1) Sheet http://www.wellsfinancialcorp.com/role/SecuritiesAvailableforSaleDetails1 Securities Available for Sale (Details 1) Details http://www.wellsfinancialcorp.com/role/SecuritiesAvailableforSaleTables 30 false false R31.htm 031 - Disclosure - Securities Available for Sale (Details 2) Sheet http://www.wellsfinancialcorp.com/role/SecuritiesAvailableforSaleDetails2 Securities Available for Sale (Details 2) Details http://www.wellsfinancialcorp.com/role/SecuritiesAvailableforSaleTables 31 false false R32.htm 032 - Disclosure - Securities Available for Sale (Details 3) Sheet http://www.wellsfinancialcorp.com/role/SecuritiesAvailableforSaleDetails3 Securities Available for Sale (Details 3) Details http://www.wellsfinancialcorp.com/role/SecuritiesAvailableforSaleTables 32 false false R33.htm 033 - Disclosure - Securities Available for Sale (Detail Textuals) Sheet http://www.wellsfinancialcorp.com/role/SecuritiesAvailableForSaleDetailTextuals Securities Available for Sale (Detail Textuals) Details http://www.wellsfinancialcorp.com/role/SecuritiesAvailableforSaleTables 33 false false R34.htm 034 - Disclosure - Loans Receivable and Loans Held for Sale (Details) Sheet http://www.wellsfinancialcorp.com/role/Loansreceivableandloansheldforsaledetails Loans Receivable and Loans Held for Sale (Details) Details http://www.wellsfinancialcorp.com/role/LoansReceivableandLoansHeldforSaleTables 34 false false R35.htm 035 - Disclosure - Loans Receivable and Loans Held for Sale (Details 1) Sheet http://www.wellsfinancialcorp.com/role/LoansReceivableandLoansHeldforSaleDetails1 Loans Receivable and Loans Held for Sale (Details 1) Details http://www.wellsfinancialcorp.com/role/LoansReceivableandLoansHeldforSaleTables 35 false false R36.htm 036 - Disclosure - Loans Receivable and Loans Held for Sale (Details 2) Sheet http://www.wellsfinancialcorp.com/role/LoansReceivableandLoansHeldforSaleDetails2 Loans Receivable and Loans Held for Sale (Details 2) Details http://www.wellsfinancialcorp.com/role/LoansReceivableandLoansHeldforSaleTables 36 false false R37.htm 037 - Disclosure - Loans Receivable and Loans Held for Sale (Details 3) Sheet http://www.wellsfinancialcorp.com/role/LoansReceivableandLoansHeldforSaleDetails3 Loans Receivable and Loans Held for Sale (Details 3) Details http://www.wellsfinancialcorp.com/role/LoansReceivableandLoansHeldforSaleTables 37 false false R38.htm 038 - Disclosure - Loans Receivable and Loans Held for Sale (Details 4) Sheet http://www.wellsfinancialcorp.com/role/LoansReceivableandLoansHeldforSaleDetails4 Loans Receivable and Loans Held for Sale (Details 4) Details http://www.wellsfinancialcorp.com/role/LoansReceivableandLoansHeldforSaleTables 38 false false R39.htm 039 - Disclosure - Loans Receivable and Loans Held for Sale (Details 5) Sheet http://www.wellsfinancialcorp.com/role/LoansReceivableandLoansHeldforSaleDetails5 Loans Receivable and Loans Held for Sale (Details 5) Details http://www.wellsfinancialcorp.com/role/LoansReceivableandLoansHeldforSaleTables 39 false false R40.htm 040 - Disclosure - Loans Receivable and Loans Held for Sale (Details 6) Sheet http://www.wellsfinancialcorp.com/role/LoansReceivableandLoansHeldforSaleDetails6 Loans Receivable and Loans Held for Sale (Details 6) Details http://www.wellsfinancialcorp.com/role/LoansReceivableandLoansHeldforSaleTables 40 false false R41.htm 041 - Disclosure - Loans Receivable and Loans Held for Sale (Detail Textuals) Sheet http://www.wellsfinancialcorp.com/role/Loansreceivableandloansheldforsaledetailtextuals Loans Receivable and Loans Held for Sale (Detail Textuals) Details http://www.wellsfinancialcorp.com/role/LoansReceivableandLoansHeldforSaleTables 41 false false R42.htm 042 - Disclosure - Loan Servicing (Details) Sheet http://www.wellsfinancialcorp.com/role/LoanServicingDetails Loan Servicing (Details) Details http://www.wellsfinancialcorp.com/role/LoanServicingTables 42 false false R43.htm 043 - Disclosure - Loan Servicing (Detail Textuals) Sheet http://www.wellsfinancialcorp.com/role/LoanServicingDetailTextuals Loan Servicing (Detail Textuals) Details http://www.wellsfinancialcorp.com/role/LoanServicingTables 43 false false R44.htm 044 - Disclosure - Stockholders' Equity, Regulatory Capital and Dividend Restrictions (Details) Sheet http://www.wellsfinancialcorp.com/role/StockholdersEquityRegulatoryCapitalandDividendRestrictionsDetails Stockholders' Equity, Regulatory Capital and Dividend Restrictions (Details) Details http://www.wellsfinancialcorp.com/role/StockholdersEquityRegulatoryCapitalandDividendRestrictionsTables 44 false false R45.htm 045 - Disclosure - Earnings Per Share (Details) Sheet http://www.wellsfinancialcorp.com/role/EarningsPerShareDetails Earnings Per Share (Details) Details http://www.wellsfinancialcorp.com/role/EarningsPerShareTables 45 false false R46.htm 046 - Disclosure - Earnings Per Share (Detail Textuals) Sheet http://www.wellsfinancialcorp.com/role/EarningsPerShareDetailTextuals Earnings Per Share (Detail Textuals) Details http://www.wellsfinancialcorp.com/role/EarningsPerShareTables 46 false false R47.htm 047 - Disclosure - Financial Instruments With Off-Balance-Sheet Risk (Detail Textuals) Sheet http://www.wellsfinancialcorp.com/role/FinancialInstrumentsWithOffBalanceSheetRiskDetailTextuals Financial Instruments With Off-Balance-Sheet Risk (Detail Textuals) Details http://www.wellsfinancialcorp.com/role/FinancialInstrumentsWithOffBalanceSheetRisk 47 false false R48.htm 048 - Disclosure - Fair Value Measurements (Details) Sheet http://www.wellsfinancialcorp.com/role/FairValueMeasurementsDetails Fair Value Measurements (Details) Details http://www.wellsfinancialcorp.com/role/FairValueMeasurementsTables 48 false false R49.htm 049 - Disclosure - Fair Value Measurements (Details 1) Sheet http://www.wellsfinancialcorp.com/role/FairValueMeasurementsDetails1 Fair Value Measurements (Details 1) Details http://www.wellsfinancialcorp.com/role/FairValueMeasurementsTables 49 false false R50.htm 050 - Disclosure - Fair Value Measurements (Details 2) Sheet http://www.wellsfinancialcorp.com/role/FairValueMeasurementsDetails2 Fair Value Measurements (Details 2) Details http://www.wellsfinancialcorp.com/role/FairValueMeasurementsTables 50 false false R51.htm 051 - Disclosure - Subsequent Events (Details) Sheet http://www.wellsfinancialcorp.com/role/SubsequentEventsDetails Subsequent Events (Details) Details http://www.wellsfinancialcorp.com/role/SubsequentEvents 51 false false R52.htm 052 - Disclosure - Subsequent Events (Details 1) Sheet http://www.wellsfinancialcorp.com/role/SubsequentEventsDetails1 Subsequent Events (Details 1) Details http://www.wellsfinancialcorp.com/role/SubsequentEvents 52 false false R53.htm 053 - Disclosure - Subsequent Events (Parentheticals) (Details 1) Sheet http://www.wellsfinancialcorp.com/role/SubsequentEventsParentheticalsDetails1 Subsequent Events (Parentheticals) (Details 1) Details http://www.wellsfinancialcorp.com/role/SubsequentEvents 53 false false R54.htm 054 - Disclosure - Subsequent Events (Detail Textuals) Sheet http://www.wellsfinancialcorp.com/role/SubsequentEventsDetailTextuals Subsequent Events (Detail Textuals) Details http://www.wellsfinancialcorp.com/role/SubsequentEvents 54 false false All Reports Book All Reports In ''Consolidated Balance Sheets'', column(s) 2, 4, 5, 6 are contained in other reports, so were removed by flow through suppression. In ''Consolidated Statements of Cash Flows (Unaudited)'', column(s) 1, 2 are contained in other reports, so were removed by flow through suppression. wefp-20150630.xml wefp-20150630_cal.xml wefp-20150630_def.xml wefp-20150630_lab.xml wefp-20150630_pre.xml wefp-20150630.xsd true true XML 67 R38.htm IDEA: XBRL DOCUMENT v3.2.0.727

Loans Receivable and Loans Held for Sale (Details 4) - Loans receivable - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended

Jun. 30, 2015

Dec. 31, 2014

With an allowance recorded:

Allowance for Loan Losses Allocated $ 488 $ 573

Total

Unpaid Principal Balance 3,631 4,072

Recorded Investment 3,631 4,072

Allowance for Loan Losses Allocated 488 573

Average Recorded Investment 3,663 4,115

Interest Income Recognized 89 166

Home equity, home improvement and second mortgages

With an allowance recorded:

Unpaid Principal Balance 31 73

Recorded Investment 31 73

Allowance for Loan Losses Allocated 32 73

Average Recorded Investment $ 31 74

Interest Income Recognized 2

Total

Allowance for Loan Losses Allocated $ 32 73

Consumer

With an allowance recorded:

Unpaid Principal Balance 6 16

Recorded Investment 6 16

Allowance for Loan Losses Allocated 3 12

Average Recorded Investment $ 6 16

Interest Income Recognized 2

Total

Allowance for Loan Losses Allocated $ 3 12

Vehicle

With an allowance recorded:

Unpaid Principal Balance 3

Recorded Investment 3

Allowance for Loan Losses Allocated 3

Average Recorded Investment $ 3

Interest Income Recognized

Total

Allowance for Loan Losses Allocated $ 3

Residential | Real estate

With no related allowance recorded:

Unpaid Principal Balance 491 461

Recorded Investment 491 461

Average Recorded Investment 494 505

Interest Income Recognized 13 27

With an allowance recorded:

Unpaid Principal Balance 422 822

Recorded Investment 422 822

Allowance for Loan Losses Allocated 80 115

Average Recorded Investment 422 830

Interest Income Recognized 19 34

Total

Allowance for Loan Losses Allocated 80 115

Commercial | Real estate

With an allowance recorded:

Unpaid Principal Balance 2,619 2,637

Recorded Investment 2,619 2,637

Allowance for Loan Losses Allocated 341 341

Average Recorded Investment 2,622 2,690

Interest Income Recognized 55 99

Total

Allowance for Loan Losses Allocated 341 341

Commercial | Operating and term

With an allowance recorded:

Unpaid Principal Balance 59 63

Recorded Investment 59 63

Allowance for Loan Losses Allocated 29 $ 32

Average Recorded Investment 65

Interest Income Recognized 2 $ 2

Total

Allowance for Loan Losses Allocated $ 29 $ 32

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (c)(1)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 17

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

+ Details

Name: us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (c)(3)

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

+ Details

Name: us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 14A

-Subparagraph (b)

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

+ Details

Name: us-gaap_ImpairedFinancingReceivableRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (a)(3)

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

+ Details

Name: us-gaap_ImpairedFinancingReceivableRelatedAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (a)(4)

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

+ Details

Name: us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 17

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (c)(1)

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

+ Details

Name: us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of interest income, recognized on accrual basis, on financing receivables that are recognized as impaired, for which there is no related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (c)(2)

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

+ Details

Name: us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 14A

-Subparagraph (b)

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

+ Details

Name: us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (a)(4)

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

+ Details

Name: us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (c)(1)

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

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 17

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

+ Details

Name: us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of interest income on financing receivables, for which there is a related allowance for credit losses, recognized on a cash-basis method of accounting that the financing receivables were impaired.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (c)(3)

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

+ Details

Name: us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 14A

-Subparagraph (b)

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

+ Details

Name: us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-Subparagraph (a)(4)

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

+ Details

Name: us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: wefp_FinancingReceivableImpairedTotalAbstract

Namespace Prefix: wefp_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: wefp_FinancingReceivableImpairedWithAllowanceRecordedAbstract

Namespace Prefix: wefp_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: wefp_FinancingReceivableImpairedWithNoRelatedAllowanceRecordedAbstract

Namespace Prefix: wefp_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_LoansReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_AutomobileLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ResidentialPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=wefp_OperatingAndTermLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 68 R20.htm IDEA: XBRL DOCUMENT v3.2.0.727

Summary of Significant Accounting Policies (Policies)
6 Months Ended

Jun. 30, 2015

Accounting Policies [Abstract]

Basis of Financial Statement Presentation
Basis of Financial Statement Presentation: The accompanying unaudited interim financial statements have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission. Certain information and footnote disclosures normally included in annual financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted as permitted by such rules and regulations. The accompanying consolidated balance sheet and related notes as of December 31, 2014 are derived from the audited consolidated financial statements as of that date. These condensed financial statements and related notes should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s audited consolidated financial statements for the year ended December 31, 2014 contained in the Company’s Form S-1. In the opinion of management, all adjustments (which consist of normal recurring accruals) necessary for a fair presentation of the consolidated financial statements have been included. Results for any interim period are not necessarily indicative of results to be expected for the year or any other interim period.

Segment reporting
Segment reporting: The Company’s activities are considered to be a single industry segment for financial reporting purposes. The Company is engaged in commercial and retail banking, investment and insurance services with operations in southern Minnesota. Substantially all income is derived from a diverse base of commercial and retail lending activities.

X

- References
No definition available.
+ Details

Name: us-gaap_AccountingPoliciesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for basis of accounting, or basis of presentation, used to prepare the financial statements (for example, US Generally Accepted Accounting Principles, Other Comprehensive Basis of Accounting, IFRS).
+ References
No definition available.
+ Details

Name: us-gaap_BasisOfAccountingPolicyPolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for segment reporting.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section 50

-Paragraph 3

-URI http://asc.fasb.org/extlink&oid=51655414&loc=d3e18780-107790

+ Details

Name: us-gaap_SegmentReportingPolicyPolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

Earnings Per Share (Detail Textuals) - shares	6 Months Ended
Earnings Per Share (Detail Textuals) - shares	Jun. 30, 2015	Jun. 30, 2014
Earnings Per Share [Abstract]
Antidilutive options excluded from computation of earnings per share	7,900	15,850

Securities Available for Sale (Detail Textuals) $ in Thousands	Jun. 30, 2015 USD ($) Security	Dec. 31, 2014 USD ($) Security
Investments, Debt and Equity Securities [Abstract]
Pledged securities carrying value	$ 22,712	$ 20,961
Number of securities in unrealized loss positions \| Security	32	37

Loan Servicing (Details) - USD ($) $ in Thousands	6 Months Ended
Loan Servicing (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Balance at beginning of year, net	$ 1,886	$ 1,952
Mortgage servicing rights capitalized	162	107
Amortization expense	$ (177)	$ (150)
Valuation provision change
Balance at end of period, net	$ 1,871	$ 1,909

Loans Receivable and Loans Held for Sale (Details 3) - Loans receivable - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 47,394	$ 48,120
Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	45,019	43,624
Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	1,475	3,556
Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 900	$ 940
Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total
Commercial \| Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 32,576	$ 30,653
Commercial \| Real estate \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	30,444	26,449
Commercial \| Real estate \| Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	1,427	3,556
Commercial \| Real estate \| Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 705	$ 648
Commercial \| Real estate \| Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total
Commercial \| Construction real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 1,154	$ 4,035
Commercial \| Construction real estate \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 1,154	$ 4,035
Commercial \| Construction real estate \| Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total
Commercial \| Construction real estate \| Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total
Commercial \| Construction real estate \| Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total
Commercial \| Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 6,839	$ 5,718
Commercial \| Operating and term \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	6,629	$ 5,426
Commercial \| Operating and term \| Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	15
Commercial \| Operating and term \| Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 195	$ 292
Commercial \| Operating and term \| Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total
Agricultural \| Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 6,825	$ 7,714
Agricultural \| Operating and term \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	6,792	$ 7,714
Agricultural \| Operating and term \| Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 33
Agricultural \| Operating and term \| Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total
Agricultural \| Operating and term \| Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total

Subsequent Events (Details 1) - Jul. 16, 2015 - Subsequent Event - Agreement and plan of conversion merger - St. James - USD ($) $ in Thousands	Total
Subsequent Event [Line Items]
Cash and cash equivalents	$ 6,938
Securities	1,053
Loans (contractual amount $17,434)	17,102
Core deposit intangible	287
Other assets	683
Total assets	26,063
Deposits	22,971
Other liabilities	38
Total liabilities	23,009
Net assets acquired	$ 3,054
Fair value of consideration
Estimated bargain purchase gain	$ 3,054
Total	$ 3,054

Financial Instruments With Off-Balance-Sheet Risk (Detail Textuals) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Commitments to extend credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to extend credit on loans total	$ 44,825	$ 38,110

Loan Servicing (Detail Textuals) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Loan Servicing [Abstract]
Unpaid principal balance of one to four family residential real estate loans	$ 322,992	$ 332,075
Custodial escrow balance	2,328	2,347
Fair value of mortgage servicing rights	2,666	2,578
Mortgage servicing rights valuation allowance	$ 15	$ 15

Securities Available for Sale (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 32,760	$ 34,026
Gross Unrealized Gains	279	378
Gross Unrealized Losses	(217)	(227)
Fair Value	32,822	34,177
Residential mortgage-backed agencies
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	22,041	22,677
Gross Unrealized Gains	57	60
Gross Unrealized Losses	(175)	(192)
Fair Value	21,923	22,545
SBA pools
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	1,674	1,835
Gross Unrealized Gains	$ 6	6
Gross Unrealized Losses		(9)
Fair Value	$ 1,680	1,832
Obligations of states and political subdivisions
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	9,005	9,474
Gross Unrealized Gains	138	250
Gross Unrealized Losses	(42)	(26)
Fair Value	9,101	9,698
Government-sponsored enterprise equity
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	40	40
Gross Unrealized Gains	$ 78	$ 62
Gross Unrealized Losses
Fair Value	$ 118	$ 102

Certificates of Deposit (Detail Textuals) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Certificates Of Deposit [Abstract]
Certificates of deposit with carrying value	$ 1,241	$ 4,181
Certificates of deposit, weighted average yield percent	0.67%	0.41%
Certificates of deposit, contractual maturities	Less than one year

Stockholders' Equity, Regulatory Capital and Dividend Restrictions (Details) - Wells Federal Bank - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier I capital (to average assets), Actual Amount	$ 25,007	$ 25,380
Tier I capital (to average assets), Minimum for Capital Adequacy Purposes, Amount	10,059	10,255
Tier I capital (to average assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 12,574	$ 12,819
Tier I capital (to average assets), Actual Percent	9.94%	9.90%
Tier I capital (to average assets), Minimum for Capital Adequacy Purposes, Percent	4.00%	4.00%
Tier I capital (to average assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Percent	5.00%	5.00%
Tier I capital common equity (to risk weighted assets), Actual Amount	$ 25,007
Tier I capital common equity (to risk weighted assets), Minimum for Capital Adequacy Purposes, Amount	7,754
Tier I capital common equity (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 11,200
Tier I capital common equity (to risk weighted assets), Actual Percent	14.51%
Tier I capital common equity (to risk weighted assets), Minimum for Capital Adequacy Purposes, Percent	4.50%
Tier I capital common equity (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Percent	6.50%
Tier I capital (to risk weighted assets), Actual Amount	$ 25,005	$ 25,380
Tier I capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Amount	10,338	7,478
Tier I capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 13,784	$ 11,217
Tier I capital (to risk weighted assets), Actual Percent	14.51%	13.58%
Tier I capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Percent	6.00%	4.00%
Tier I capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Percent	8.00%	6.00%
Total risk based capital (to risk weighted assets), Actual Amount	$ 27,196	$ 27,566
Total risk based capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Amount	13,784	14,956
Total risk based capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 17,230	$ 18,695
Total risk based capital (to risk weighted assets), Actual Percent	15.78%	14.74%
Total risk based capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Percent	8.00%	8.00%
Total risk based capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Percent	10.00%	10.00%

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Cash Flows From Operating Activities
Net income	$ 1,043	$ 347
Adjustment to reconcile net income to net cash (used in) provided by operating activities:
Provision for loan losses	70	320
Gain on sale of loans	(524)	(350)
Originations of loans held for sale	(17,747)	(11,551)
Proceeds from the sale of loans held for sale	16,411	11,898
Net change in mortgage servicing rights	15	43
Loss (gain) on sales of foreclosed real estate, net	15	(34)
Depreciation expense	96	89
Amortization of net deferred loan origination fees	(43)	(31)
Amortization of securities premiums	106	102
Impairment of foreclosed real estate	94	258
Stock-based compensation expense	6	17
Changes in assets and liabilities:
Accrued interest receivable	(132)	(51)
Other assets	(14)	40
Accrued expenses and other liabilities	30	(247)
Net cash (used in) provided by operating activities	(574)	850
Cash Flows From Investing Activities
Net decrease (increase) in loans	4,206	(1,308)
Net decrease (increase) in certificates of deposit	2,940	(3,671)
Net (increase) decrease in federal funds sold	(1,000)	1,500
Purchase of Federal Home Loan Bank stock	(60)	(89)
Proceeds from sale of Federal Home Loan Bank stock	71	61
Purchase of securities available-for-sale	(3,124)	(4,510)
Maturities of available-for-sale securities	4,282	10,376
Purchase of premises and equipment	(3)	(6)
Investment in foreclosed real estate		(28)
Proceeds from sales of foreclosed real estate	306	303
Net cash provided by investing activities	7,618	2,628
Cash Flows From Financing Activities
Net decrease in deposits	(1,112)	(3,550)
Net decrease in advances from borrowers for taxes and insurance	(9)	(16)
Dividends paid	(266)	(228)
Purchase of treasury stock	(165)	(242)
Net cash used in by financing activities	(1,552)	(4,036)
Net increase (decrease) in cash and cash equivalents	5,492	(558)
Cash and Cash Equivalents
Beginning	14,373	12,625
Ending	$ 19,865	$ 12,067

Securities Available for Sale (Details 3) - Temporarily impaired securities - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Continuous Unrealized Losses Existing 12 Months or Less, Fair Value	$ 7,544	$ 7,174
Continuous Unrealized Losses Existing 12 Months or Less, Unrealized Loss	49	26
Continuous Unrealized Losses Existing Greater Than 12 Months, Fair Value	9,740	12,996
Continuous Unrealized Losses Existing Greater Than 12 Months, Unrealized Loss	168	200
Total Fair Value	17,284	20,170
Total Unrealized Loss	217	226
Residential mortgage-backed agencies
Schedule of Available-for-sale Securities [Line Items]
Continuous Unrealized Losses Existing 12 Months or Less, Fair Value	5,250	5,679
Continuous Unrealized Losses Existing 12 Months or Less, Unrealized Loss	33	20
Continuous Unrealized Losses Existing Greater Than 12 Months, Fair Value	8,829	10,566
Continuous Unrealized Losses Existing Greater Than 12 Months, Unrealized Loss	142	171
Total Fair Value	14,079	16,245
Total Unrealized Loss	175	$ 191
SBA pools
Schedule of Available-for-sale Securities [Line Items]
Continuous Unrealized Losses Existing 12 Months or Less, Fair Value
Continuous Unrealized Losses Existing 12 Months or Less, Unrealized Loss
Continuous Unrealized Losses Existing Greater Than 12 Months, Fair Value		$ 1,250
Continuous Unrealized Losses Existing Greater Than 12 Months, Unrealized Loss		9
Total Fair Value		1,250
Total Unrealized Loss		9
Obligations of states and political subdivisions
Schedule of Available-for-sale Securities [Line Items]
Continuous Unrealized Losses Existing 12 Months or Less, Fair Value	2,294	1,495
Continuous Unrealized Losses Existing 12 Months or Less, Unrealized Loss	16	6
Continuous Unrealized Losses Existing Greater Than 12 Months, Fair Value	911	1,180
Continuous Unrealized Losses Existing Greater Than 12 Months, Unrealized Loss	26	20
Total Fair Value	3,205	2,675
Total Unrealized Loss	$ 42	$ 26

Subsequent Events (Parentheticals) (Details 1) $ in Thousands	Jul. 16, 2015 USD ($)
Subsequent Event \| Agreement and plan of conversion merger \| St. James
Subsequent Event [Line Items]
Loans, contractual amount	$ 17,434

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Assets
Cash and cash equivalents, including interest-bearing accounts, 2015, $11,037; 2014, $7,411	$ 19,865	$ 14,373
Certificates of deposit, at cost	1,241	4,181
Federal funds sold	3,000	2,000
Securities available for sale	32,822	34,177
Federal Home Loan Bank stock, at cost	2,068	2,079
Loans held for sale	3,567	1,707
Loans receivable, net of allowance for loan loss of $2,184 in 2015; $2,158 in 2014;	177,859	182,050
Accrued interest receivable	966	834
Premises and equipment, net	3,079	3,172
Mortgage servicing rights, net	1,871	1,886
Foreclosed real estate	3,199	3,656
Other assets	1,764	1,711
Total assets	251,301	251,826
Liabilities
Deposits	220,860	221,972
Advances from borrowers for taxes and insurance	2,621	2,630
Accrued interest payable	60	17
Accrued expenses and other liabilities	575	588
Total liabilities	$ 224,116	$ 225,207
Commitments, Contingencies and Credit Risk
Mezzanine Equity
Redeemable common stock held by ESOP, $0.10 par value, 95,602 shares issued, 89,928 outstanding at June 30, 2015; 95,602 outstanding at December 31, 2014	$ 2,383	$ 2,533
Stockholders' Equity
Preferred stock, no par value; 500,000 shares authorized; none outstanding
Common stock, $0.10 par value; 7,000,000 shares authorized; 2,091,898 shares issued	$ 209	$ 209
Additional paid-in capital	17,116	17,110
Retained earnings, substantially restricted	36,479	35,552
Accumulated other comprehensive income	41	93
Treasury stock, 2015, 1,451,478 shares; 2014, 1,445,248 shares	(29,043)	(28,878)
Total stockholders' equity	24,802	24,086
Total liabilities, mezzanine equity and stockholders' equity	$ 251,301	$ 251,826

Consolidated Statements of Stockholders' Equity and Mezzanine Equity (Unaudited) - USD ($) $ in Thousands, None in scaling factor is -9223372036854775296	Common Stock	Additional Paid-In Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock	Total	Mezzanine equity Redeemable Common Stock
Balance at Dec. 31, 2013	$ 209	$ 17,096	$ 34,893	$ (264)	$ (28,193)	$ 23,741	$ 2,342
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income			347			347
Other comprehensive income, net of related taxes				$ 344		344
Cash dividends declared ($0.36 and $0.30 per share for June 30, 2015 and 2014 respectively)			$ (228)			(228)
Stock-based compensation		$ 17				17
Treasury stock purchases, 6,230 and 10,308 shares for June 30, 2015 and 2014 respectively					$ (242)	$ (242)
Change in fair value related to redeemable common stock
Balance at Jun. 30, 2014	$ 209	$ 17,113	$ 35,012	$ 80	$ (28,435)	$ 23,979	$ 2,342
Balance at Dec. 31, 2014	$ 209	17,110	35,552	93	$ (28,878)	24,086	2,533
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income			1,043			1,043
Other comprehensive income, net of related taxes				$ (52)		(52)
Cash dividends declared ($0.36 and $0.30 per share for June 30, 2015 and 2014 respectively)			(266)			(266)
Stock-based compensation		$ 6				6
Treasury stock purchases, 6,230 and 10,308 shares for June 30, 2015 and 2014 respectively			$ 150		$ (165)	$ (15)	$ (150)
Change in fair value related to redeemable common stock
Balance at Jun. 30, 2015	$ 209	$ 17,116	$ 36,479	$ 41	$ (29,043)	$ 24,802	$ 2,383

Loans Receivable and Loans Held for Sale (Details 1) - Loans receivable - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	$ 174,888	$ 181,607
Total past due	5,458	2,946
Total	180,346	184,553
30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	2,708	1,416
60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	898	520
Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 1,852	$ 1,010
Nonperforming loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current
Total past due	$ 1,852	$ 1,010
Total	$ 1,852	$ 1,010
Nonperforming loans \| 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Nonperforming loans \| 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Nonperforming loans \| Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 1,852	$ 1,010
Home equity, home improvement and second mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	31,183	32,291
Total past due	406	450
Total	31,589	32,741
Home equity, home improvement and second mortgages \| 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	262	193
Home equity, home improvement and second mortgages \| 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	62	2
Home equity, home improvement and second mortgages \| Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	82	255
Vehicle
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	1,939	1,661
Total past due	40	10
Total	1,979	1,671
Vehicle \| 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 5	8
Vehicle \| 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due		1
Vehicle \| Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 35	1
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	6,228	6,243
Total past due	55	36
Total	6,283	6,279
Consumer \| 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 26	26
Consumer \| 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due		$ 10
Consumer \| Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 29
Residential \| Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	52,122	$ 54,698
Total past due	3,173	1,976
Total	55,295	56,674
Residential \| Real estate \| 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	1,375	782
Residential \| Real estate \| 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	719	507
Residential \| Real estate \| Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	1,079	687
Residential \| Construction real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	$ 1,061	$ 940
Total past due
Total	$ 1,061	$ 940
Residential \| Construction real estate \| 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Residential \| Construction real estate \| 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Residential \| Construction real estate \| Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Commercial \| Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	$ 31,653	$ 30,653
Total past due	923
Total	32,576	$ 30,653
Commercial \| Real estate \| 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 923
Commercial \| Real estate \| 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Commercial \| Real estate \| Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Commercial \| Construction real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	$ 1,154	$ 4,035
Total past due
Total	$ 1,154	$ 4,035
Commercial \| Construction real estate \| 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Commercial \| Construction real estate \| 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Commercial \| Construction real estate \| Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Commercial \| Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	$ 6,659	$ 5,569
Total past due	180	149
Total	$ 6,839	5,718
Commercial \| Operating and term \| 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due		$ 82
Commercial \| Operating and term \| 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 117
Commercial \| Operating and term \| Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	63	$ 67
Agricultural \| Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	36,064	37,843
Total past due	681	285
Total	36,745	38,128
Agricultural \| Real estate \| 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 117	$ 285
Agricultural \| Real estate \| 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Agricultural \| Real estate \| Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 564
Agricultural \| Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	$ 6,825	$ 7,674
Total past due		40
Total	$ 6,825	7,714
Agricultural \| Operating and term \| 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due		$ 40
Agricultural \| Operating and term \| 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Agricultural \| Operating and term \| Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due

Loans Receivable and Loans Held for Sale (Details 2) - Loans receivable - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	$ 1,852	$ 1,010
Loans Past Due 90 Days or More and Still Accruing
Home equity, home improvement and second mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	$ 82	$ 255
Loans Past Due 90 Days or More and Still Accruing
Vehicle
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	$ 35	$ 1
Loans Past Due 90 Days or More and Still Accruing
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	$ 29
Loans Past Due 90 Days or More and Still Accruing
Residential \| Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	$ 1,079	$ 687
Loans Past Due 90 Days or More and Still Accruing
Residential \| Construction real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual
Loans Past Due 90 Days or More and Still Accruing
Commercial \| Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual
Loans Past Due 90 Days or More and Still Accruing
Commercial \| Construction real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual
Loans Past Due 90 Days or More and Still Accruing
Commercial \| Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	$ 63	$ 67
Loans Past Due 90 Days or More and Still Accruing
Agricultural \| Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	$ 564
Loans Past Due 90 Days or More and Still Accruing
Agricultural \| Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual
Loans Past Due 90 Days or More and Still Accruing

Consolidated Statements of Stockholders' Equity and Mezzanine Equity (Unaudited) (Parentheticals) - $ / shares	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Statement of Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.36	$ 0.30
Treasury stock purchases (in shares)	6,230	10,308

Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Statement of Financial Position [Abstract]
Interest-bearing accounts (in dollars)	$ 11,037	$ 7,411
Allowance for loan loss (in dollars)	$ 2,184	$ 2,158
Redeemable common stock held by ESOP (in dollar per share)	$ 0.10	$ 0.10
Redeemable common stock held by ESOP, shares issued	95,602
Redeemable common stock held by ESOP, shares outstanding	89,928	95,602
Preferred stock, par value (in dollars per share)
Preferred stock, shares authorized	500,000	500,000
Preferred stock, shares outstanding
Common stock, per value (in dollars per share)	$ 0.10	$ 0.10
Common stock, shares authorized	7,000,000	7,000,000
Common stock, shares issued	2,091,898	2,091,898
Treasury stock, shares	1,451,478	1,445,248

Document and Entity Information - shares	6 Months Ended
Document and Entity Information - shares	Jun. 30, 2015	Aug. 12, 2015
Document And Entity Information [Abstract]
Entity Registrant Name	WELLS FINANCIAL CORP
Entity Central Index Key	0000934739
Trading Symbol	wefp
Current Fiscal Year End Date	--12-31
Entity Filer Category	Smaller Reporting Company
Entity Common Stock, Shares Outstanding		811,478
Document Type	10-Q
Document Period End Date	Jun. 30, 2015
Amendment Flag	false
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	Q2

Loans Receivable and Loans Held for Sale (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan loss	$ (2,184)		$ (2,158)
Loans receivable, net	177,859		182,050
Loans receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	180,346		184,553
Net deferred loan origination fees	(303)		(345)
Allowance for loan loss	(2,184)	$ (2,252)	(2,158)	$ (1,934)	$ (1,825)	$ (1,724)
Loans receivable, net	177,859		182,050
Loans receivable \| Home equity, home improvement and second mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	31,589		32,741
Allowance for loan loss	(447)	(474)	(431)	(314)	(249)	(254)
Loans receivable \| Vehicle
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,979		1,671
Allowance for loan loss	(27)	(30)	(28)	(30)	(32)	(30)
Loans receivable \| Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	6,283		6,279
Allowance for loan loss	(78)	(113)	(112)	(126)	(214)	(135)
Loans receivable \| Residential \| Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	55,295		56,674
Allowance for loan loss	(528)	(552)	(545)	(484)	(439)	(433)
Loans receivable \| Residential \| Construction real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,061		940
Allowance for loan loss	(12)	(4)	(13)	(18)	(4)	(11)
Loans receivable \| Commercial \| Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	32,576		30,653
Allowance for loan loss	(786)	$ (785)	(722)	(712)	(649)	(624)
Loans receivable \| Commercial \| Construction real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 1,154		4,035
Allowance for loan loss			(12)	(1)	(9)	(2)
Loans receivable \| Commercial \| Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 6,839		5,718
Allowance for loan loss	(117)	$ (114)	(109)	(93)	(92)	(87)
Loans receivable \| Agricultural \| Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	36,745		38,128
Allowance for loan loss	(159)	(155)	(155)	(142)	(127)	(130)
Loans receivable \| Agricultural \| Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	6,825		7,714
Allowance for loan loss	$ (30)	$ (25)	$ (31)	$ (14)	$ (10)	$ (18)

Summary of Significant Accounting Policies (Detail Textuals)	6 Months Ended
	Jun. 30, 2015 Segment
Accounting Policies [Abstract]
Number of reportable segments	1

Loans Receivable and Loans Held for Sale (Details 4) - Loans receivable - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
With an allowance recorded:
Allowance for Loan Losses Allocated	$ 488	$ 573
Total
Unpaid Principal Balance	3,631	4,072
Recorded Investment	3,631	4,072
Allowance for Loan Losses Allocated	488	573
Average Recorded Investment	3,663	4,115
Interest Income Recognized	89	166
Home equity, home improvement and second mortgages
With an allowance recorded:
Unpaid Principal Balance	31	73
Recorded Investment	31	73
Allowance for Loan Losses Allocated	32	73
Average Recorded Investment	$ 31	74
Interest Income Recognized		2
Total
Allowance for Loan Losses Allocated	$ 32	73
Consumer
With an allowance recorded:
Unpaid Principal Balance	6	16
Recorded Investment	6	16
Allowance for Loan Losses Allocated	3	12
Average Recorded Investment	$ 6	16
Interest Income Recognized		2
Total
Allowance for Loan Losses Allocated	$ 3	12
Vehicle
With an allowance recorded:
Unpaid Principal Balance	3
Recorded Investment	3
Allowance for Loan Losses Allocated	3
Average Recorded Investment	$ 3
Interest Income Recognized
Total
Allowance for Loan Losses Allocated	$ 3
Residential \| Real estate
With no related allowance recorded:
Unpaid Principal Balance	491	461
Recorded Investment	491	461
Average Recorded Investment	494	505
Interest Income Recognized	13	27
With an allowance recorded:
Unpaid Principal Balance	422	822
Recorded Investment	422	822
Allowance for Loan Losses Allocated	80	115
Average Recorded Investment	422	830
Interest Income Recognized	19	34
Total
Allowance for Loan Losses Allocated	80	115
Commercial \| Real estate
With an allowance recorded:
Unpaid Principal Balance	2,619	2,637
Recorded Investment	2,619	2,637
Allowance for Loan Losses Allocated	341	341
Average Recorded Investment	2,622	2,690
Interest Income Recognized	55	99
Total
Allowance for Loan Losses Allocated	341	341
Commercial \| Operating and term
With an allowance recorded:
Unpaid Principal Balance	59	63
Recorded Investment	59	63
Allowance for Loan Losses Allocated	29	$ 32
Average Recorded Investment	65
Interest Income Recognized	2	$ 2
Total
Allowance for Loan Losses Allocated	$ 29	$ 32

Summary of Significant Accounting Policies (Policies)	6 Months Ended
Summary of Significant Accounting Policies (Policies)	Jun. 30, 2015
Accounting Policies [Abstract]
Basis of Financial Statement Presentation	Basis of Financial Statement Presentation: The accompanying unaudited interim financial statements have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission. Certain information and footnote disclosures normally included in annual financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted as permitted by such rules and regulations. The accompanying consolidated balance sheet and related notes as of December 31, 2014 are derived from the audited consolidated financial statements as of that date. These condensed financial statements and related notes should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s audited consolidated financial statements for the year ended December 31, 2014 contained in the Company’s Form S-1. In the opinion of management, all adjustments (which consist of normal recurring accruals) necessary for a fair presentation of the consolidated financial statements have been included. Results for any interim period are not necessarily indicative of results to be expected for the year or any other interim period.
Segment reporting	Segment reporting: The Company’s activities are considered to be a single industry segment for financial reporting purposes. The Company is engaged in commercial and retail banking, investment and insurance services with operations in southern Minnesota. Substantially all income is derived from a diverse base of commercial and retail lending activities.